vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: KY

Complaint narrative:
To whom it may concern, I am filing this complaint against Edfinancial due to severe and unjustified negative credit reporting that has significantly impacted my financial standing. My credit report was recently updated to reflect two late payment entries from Edfinancial Services, which has caused my credit score to drop by XXXX points. This action was taken without any prior notice, warning, or correspondenceI did not receive any emails, phone calls, voicemails, letters, or alerts informing me of this drastic change before it was reported to the credit bureaus. If I had been, I would have taken the necessary steps to remedy the situation before it escalated to this. 

Additionally, I have become aware of an ongoing data breach involving student loan accounts, which raises serious concerns regarding unauthorized access to my personal and financial information raising concerns over a FERPA violation. Given this security lapse, I have reason to believe that my account records may have been compromised or altered without my consent.

I have been working hard on building my credit and paying down my debts piece by piece, and this has completely erased all of the work I have done. Additionally, this has caused extreme financial distress and this error in reporting needs to be remedied immediately. I did not authorize any changes to my account status, and I no longer feel comfortable having my student loans serviced and reported to the credit bureaus under these conditions.

Violations and Consumer Protection Rights 1. Failure to Provide Notice of Negative Credit Reporting - Under the Fair Credit Reporting Act ( FCRA ), loan servicers are required to provide accurate and fair reporting. I was not notified in advance that these accounts would be marked late, which denied me the opportunity to address any potential issues before they were reported. They had months and months to contact me before my credit was impacted in this devastating fashion, and they did not do so. They had an old home address for me, but if every other government agency knows where I live, I refuse to believe that Edfinancial could not find my updated address. I dont understand why they didnt make every effort in good faith to reach me.

2. Possible Unauthorized Reporting and Account Compromise Due to Data Breach - The reported data breach involving XXXX raises serious questions about the integrity of my loan accounts. If my data was exposed or manipulated, XXXX may have incorrectly or fraudulently reported late payments that I did not actually incur.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to request the removal or amendment of derogatory remarks on my credit report related to my XXXX account, which resulted from a missed payment caused by XXXX failure to properly contact me. XXXX had incorrect contact information on file and continued to send correspondence to an incorrect address, failing to notify me of an outstanding balance. As a result, I was unaware of the payment obligation, leading to a missed payment that was reported to the credit bureaus and significantly damaged my credit score. 
I only became aware of the issue through my bank, not XXXX, and took immediate action upon discovery. I contacted my bank thinking there was an issue on their end considering I got the notification through them. My bank assured me there was nothing wrong. I contacted XXXX, clarified the communication error, and promptly resolved the matter by making the required payment along with additional payments to ensure my account was in good standing. XXXX has records confirming their use of incorrect contact information, which caused this issue. 
I requested that XXXX issue a goodwill adjustment to remove or amend the negative remarks on my credit report, but they stated it was not their policy to do so. Consequently, I filed disputes with TransUnion, Equifax, and Experian to correct my credit report. I have an impeccable history of never missing a loan payment and would not have missed this payment had XXXX properly communicated with me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This collection XXXX XXXX XXXX XXXX XXXX is on my credit it is a fraudulent account I want it removed or I will fill a lawsuit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
A XXXX XXXX account ending in XXXX that was previously deleted from my credit report has been reinserted without my knowledge or permission. I did not receive any required 5-day written notice, which is a clear violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). I have disputed this account before, confirmed it was removed, and now it suddenly shows up again with no explanation. After researching my rights under the Fair Credit Reporting Act, I learned that any reinsertion must follow strict procedures including proper notice and certification of accuracy none of which were followed.

This also violates 15 U.S.C. 1681b, as I never authorized this account to be reported again, and there was no permissible purpose to access or share my information. Reinserting deleted, fraudulent data without new evidence shows a failure to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ). This has caused me financial harm and emotional distress. I am requesting the permanent deletion of this account, a full explanation of how and why it was reinserted, and immediate correction of this violation. If not resolved, I will continue to pursue this under 15 U.S.C. 1681n and 1681o for noncompliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Subject : Request for Reinvestigation of Credit Report Account FCRA 611 To Whom It May Concern, I am writing to request a reinvestigation of an account listed on my Equifax credit report under the following information : Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Creditor Name : XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Balance Owed : {$5400.00} Account Status : Closed Account Rating : Derogatory Dispute Status : Account information disputed by consumer, meets FCRA requirements Under the Fair Credit Reporting Act ( FCRA ) 611, I am requesting that you verify this information and confirm its accuracy. Please provide the outcome of your reinvestigation along with a description of the procedures used. 
If the information can not be confirmed, it must be corrected or deleted in accordance with federal law. 
Thank you for your cooperation and attention to this request. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Subject : Request for Reinvestigation of Credit Report Account FCRA 611 To Whom It May Concern, I am writing to request a reinvestigation of an account listed on my Equifax credit report under the following information : Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Creditor Name : XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Balance Owed : {$5400.00} Account Status : Closed Account Rating : Derogatory Dispute Status : Account information disputed by consumer, meets FCRA requirements Under the Fair Credit Reporting Act ( FCRA ) 611, I am requesting that you verify this information and confirm its accuracy. Please provide the outcome of your reinvestigation along with a description of the procedures used. 
If the information can not be confirmed, it must be corrected or deleted in accordance with federal law. 
Thank you for your cooperation and attention to this request. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: PA

Complaint narrative:
Im reaching out because my Chime account was suddenly closed without warning, and Im struggling to understand why. I havent done anything that goes against Chimes policies, and Ive always used the account legitimately. This account is not only where I receive my direct deposit paychecks, but its also the main account I use daily for spending, paying bills, and managing all of my finances. I rely on it heavily, so this abrupt closure has caused a lot of stress and inconvenience. Im asking for a clear explanation and a chance to resolve whatever issue may have triggered this decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Let me be clear that this complaint is legitimate and demands immediate attention. My credit report contains inaccurate information that fails to meet the required standard of maximum possible accuracy. These errors are having a serious and ongoing negative impact on my life. I insist that these inaccuracies be thoroughly investigated and either corrected or removed without delay. Resolving this issue is not only necessary, it is critical.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have 2 bankruptcies reporting on my credit that do not belong to me this is the only credit report that this is reporting on and this is clearly violating my rights and I will send in court documents and documents showing this is not linked to any other credit reports and will like this removed immediately please, XXXX  XXXX bankruptcy ref # XXXX and chapter XXXX.. I will like documents showing courts verified this with you under my full ssn, These bankruptcies belong to someone else not me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am a victim of identity theft, Theres an account and several inquiries that i didnt authorize or give anyone permission to open in my name. 
This is really affecting my ability to get the job i really want and tje need to provide a better life for my family. Inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of identity theft, Theres an account and several inquiries that i didnt authorize or give anyone permission to open in my name. 
This is really affecting my ability to get the job i really want and tje need to provide a better life for my family. Inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Credit Karma, LLC
State: OK

Complaint narrative:
I filed my taxes back in early XXXX through XXXX XXXX and did not realize until after filing that the account that XXXX XXXX  would have me direct deposit my taxes into would be a credit karma money spend account that had been closed for months. On XX/XX/XXXX my taxes somehow still deposited into the closed account with credit karma and they mailed me a check in the amount of {$4900.00}. I received it XX/XX/XXXX of XXXX  and tried mobile depositing said check and the mobile deposit failed therefore voiding the check. I immediately contacted credit karma and had them make a check reissue request and provided their bank of records with photos of the check marked void. It has now been over a month and have received no progress updates despite my efforts of talking to someone in charge of my case with credit karma. I am very confused on where to go from here and would just like access to my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted Transunion and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Let me be clear that this complaint is legitimate and demands immediate attention. My credit report contains inaccurate information that fails to meet the required standard of maximum possible accuracy. These errors are having a serious and ongoing negative impact on my life. I insist that these inaccuracies be thoroughly investigated and either corrected or removed without delay. Resolving this issue is not only necessary, it is critical.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
I am reporting a fraudulent hard inquiry on my credit report from OneMain, dated XX/XX/year>. I did not authorize this inquiry, nor do I have any current or past accounts with OneMain. This inquiry is not connected to any credit application I submitted and appears to have been made without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
Spring Oaks Capitol LLC. has violated the ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), regarding your continued reporting and/or collection of an account that was the result of identity theft. I filed a complaint with the CFPB, on XXXX XXXX, and Spring Oak Capital, responded back stating the account was verified as accurate. Attached is a copy of the police report. and ftc and government id, that supports and identify the claim. As, of today the account is still reporting on my credit report. Below, is a screenshot of it reporting to Equifax Information Solutions. 

Collections If you've fallen behind on payments, your account could be sent to a collections agency. This can have a big impact on your credit score. 

XXXX XXXX XXXX, Reported : XXXX. XXXX, XXXX - {$1000.00} Needs Attention Overview You have 100 % left to pay on this collection. 

Balance {$1000.00} Highest Balance {$1000.00} Opened XXXX XXXX, XXXX ( XXXX mos ) Account status Open Type No Info Responsibility Individual Account. 
Remarks Consumer disputes this account information Collection account Original Creditor Name No Info Closed No Info See an error? 
Dispute Something not, right? Visit the Dispute Center to submit or check the status of an ongoing dispute with TransUnion. 

Go to dispute XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
XXXX XXXX XXXX  has fraud and it's been 4 years of back and forth and it's still on my credit report. 

XXXX XXXX XXXX has fraud charges and they won't delete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Thaxton Investment Corporation
State: AL

Complaint narrative:
They keep calling and harassing me even when I am not that late, the have several times threaten to continue to harassment every two days till I pay them even after I speak with them telling them a date of when I will find out if I can pay or not. They are in clear violation and ignore my warning to stop it. I need help

Company response to consumer: Closed with non-monetary relief