vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 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: EQUIFAX, INC.
State: VA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-11-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Braviant Holdings, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX  ] Tel # XXXX Account/Application Number : XXXX Original Loan Amount : {$2500.00} ] Date Loan Originated : [ XX/XX/XXXX ] I. Nature of Complaint : Refusal of Hardship Accommodation & Predatory Practices I am submitting this complaint regarding a high-interest installment loan that I can no longer repay due to a verifiable financial hardship. The Annual Percentage Rate ( APR ) on this loan is extremely high at [ State the APR, 224.0041 %, making it impossible to reduce the principal balance. 

The core of this complaint is the lender 's failure to comply with reasonable consumer expectations and ( where applicable ) state-mandated relief programs by refusing to offer a workable hardship repayment option. 

II. Explanation of Financial Hardship ( Medical ) I am currently experiencing a severe and verified financial hardship resulting from a necessary XXXX XXXXXXXX that occurred on XX/XX/XXXX, This procedure prevented me from working consistently for a period of two ( 2 ) months, leading to a significant and immediate loss of income. 
This sudden and unavoidable reduction in earnings has rendered me unable to meet the current contractual payment amount of {$220.00} biweekly for this loan. The extreme interest rate on this debt prevents any hope of recovery while maintaining essential living expenses. I have attached supporting medical and/or income documentation to verify this hardship. 

III. Lender 's Refusal to Negotiate I contacted Balance Credit on XX/XX/XXXX and XX/XX/XXXX via telephone and email to explain my financial hardship and formally request a reduced payment plan or a temporary forbearance. 

The representative for XXXX XXXX XXXX XXXX XXXX XXXX refused to offer a fair or manageable payment solution. I was explicitly denied a Hardship Deferment and a reduction of the interest rate, or a temporary reduction in payment. 

Current Situation : The company is continuing to attempt electronic withdrawals via ACH, which I have revoked authorization for as of XX/XX/XXXX. Their unwillingness to work with a consumer experiencing documented hardship suggests a practice that is harmful and potentially predatory, leveraging an unmanageable loan term to trap the borrower in a cycle of debt. 

I will appreciate any and all assistance on this matter. Thank You. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I assert that the erroneous late payment entries on my accounts violate 15 U.S.C. 1666. I have consistently made my payments on time, and any inaccuracies in this reporting are both unfair 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 explanation
Consumer complaint received 2025-11-03 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2025-11-03 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:
I am filing this complaint because my XXXX XXXX credit card account ( Account # XXXX XXXX XXXX XXXX XXXX, balance {$650.00} ) XXXX XXXX  is being reported inaccurately and inconsistently across the three major credit bureaus Experian, Equifax, and TransUnion in violation of several provisions of the Fair Credit Reporting Act ( FCRA ). 

Each bureau reports a different Date of Last Activity ( DLA ) for the same account : TransUnion shows XX/XX/XXXX, Experian shows XX/XX/XXXX, and Equifax shows XX/XX/XXXX. None of these entries include any late payment history, even though the timeline of these reported activity dates suggests otherwise. These inconsistencies create confusion and may misrepresent the current status and age of the account. Because credit reporting agencies and furnishers must ensure accuracy and consistency, this appears to violate FCRA 623 ( a ) ( 1 ) ( A ), which requires accurate reporting, as well as 623 ( a ) ( 2 ) and 623 ( b ), which require data furnishers to promptly correct, update, and investigate any reported inaccuracies. 

Additionally, I have not received any documentation verifying which version of the account data is correct, nor have I been provided with billing or payment history to support the reported activity dates. This violates my right to full disclosure under FCRA 609 ( 15 U.S.C. 1681g ) and my right to dispute inaccurate or unverifiable information under FCRA 611 ( 15 U.S.C. 1681i ). I am also aware that FCRA 15 U.S. Code 1666 and 1666a protect consumers from continued negative reporting or collection activity while a billing dispute is unresolved.

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 2025-11-03 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: EQUIFAX, INC.
State: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-11-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Climb Credit Inc.
State: VA

Complaint narrative:
XXXX XX/XX/XXXX I attempted to communicate with the school ( XXXX, emailed to XXXX ) to request for a refund and received no reply. 

XXXX XX/XX/XXXX I attempted to re-open an old request to cancel my loan that started on XX/XX/year> and received no replies from either XXXX  or Climb from this thread. 

XXXX XX/XX/XXXX I emailed this message to both XXXX ; XXXX : Hello, I attempted to contact XXXX  earlier this week due to the closure of the school. I was hoping to receive a refund or cancellation due to the lack of services provided during my time with XXXX  as well as due to this recent closure. 

Thank you! 

On XX/XX/XXXX I receive the following reply : Hello! 

Were very sorry youre dealing with this. When the loan was originated, Climb sent tuition funds to XXXX. Climb can not process a refund until XXXX sends back those tuition funds. We can process a refund only after XXXX initiates it through our portal and remits the tuition funds. The final decision of whether to refund rests with XXXX, but well move quickly to apply any school-submitted refund to your loan. 

We encourage you to email XXXX  to request a refund in writing and send any communication regarding refund promises to Climb. You can reach out to XXXX  at XXXX. 

If payments are difficult while this is being reviewed, we advise you to contact your loan servicer, XXXX, at ( XXXX ) XXXX. They may be able to offer alternative repayment options. 
Best Regards, Climb Team -Today ( XX/XX/XXXX ) I was advised " Under the FTC Holder Rule ( 16 CFR 433 ) and federal consumer credit protections, when a school shuts down and stops providing the program we financed, the lender can not force students to chase the closed school for refunds. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: MS

Complaint narrative:
I am writing to request a review of the following accounts that I have identified as inaccurate or incomplete in my credit report. I respectfully request that each of these items be reviewed and corrected. If any information can not be verified, I request that it be removed from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX Accounts : XXXX, Account XXXX. XXXX, Reported Date : XX/XX/XXXX, XXXX : {$0.00} XXXX, Account XXXX. XXXX, Reported Date : XX/XX/XXXX, Balance : {$22000.00} XXXX XXXX XXXX XXXX, Account No. XXXX, Reported Date : XX/XX/XXXX, Balance : {$0.00} Inquiries : XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX  XXXX, Date : XX/XX/XXXX XXXX XXXX  XXXX, Date : XX/XX/XXXX CICXXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX  XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX Late Payments : XXXX, Account No. XXXX XXXX, Account No 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 2025-11-03 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: Affirm Holdings, Inc
State: CA

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681, section 602 states I have the right to privacy. 15 USC 1681, section 604A, section 2.it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666B, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Im dealing with my credit score trying to boost it up. Theres things that I wasnt aware of having. Ill like to take some type of action in resolving this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
There are a few items on my credit report that are not mines. Ive been a victim of several identity theft and data breaches. I would like the information removed my credit report since it is inaccurate information. I need those items removed within 4 business days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: MS

Complaint narrative:
I noticed some inaccuracies on my credit reports that seem to be affecting my ability to get credit, as I've recently been denied by a few creditors. I'd really appreciate it if you could take a closer look at the accounts and inquiries in question. As you know, it's important that the information reported is accurate, so I kindly ask that you investigate and update e records as needed. I'm hoping we can get this sorted out smoothly and avoid any further issues down the line.

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 2025-11-03 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: MS

Complaint narrative:
I noticed some inaccuracies on my credit reports that seem to be affecting my ability to get credit, as I've recently been denied by a few creditors. I'd really appreciate it if you could take a closer look at the accounts and inquiries in question. As you know, it's important that the information reported is accurate, so I kindly ask that you investigate and update e records as needed. I'm hoping we can get this sorted out smoothly and avoid any further issues down the line.

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 2025-11-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE NO AFFILIATION WITH THIS FRAUDULENT ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I am reviewing my Equifax credit report as part of my efforts to repair and maintain accurate credit reporting. I am disputing the following accounts and late payments that appear inaccurate, outdated, or unverifiable, and I request a full reinvestigation under the Fair Credit Reporting Act ( FCRA ). 

Charged-Off / Collection Accounts XXXX XXXX XXXX Account # XXXX, XX/XX/XXXX, {$1000.00} XXXX XXXX XXXXXXXX Account XXXX XXXX, XX/XX/XXXX, {$4100.00} Inquiries None listed for Equifax. 

Late Payment Reporting XXXX  XXXX Account # XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX Account # XXXX I request verification of all disputed items and removal of any inaccurate or unverifiable entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-11-03 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: MS

Complaint narrative:
I am writing to request a review of the following accounts that I have identified as inaccurate or incomplete in my credit report. I respectfully request that each of these items be reviewed and corrected. If any information can not be verified, I request that it be removed from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). 

Inquiries : XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX  XXXX, Date : XX/XX/XXXX Late Payments : XXXX, Account No. XXXX XXXX, Account No . 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 2025-11-03 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I respectfully request that each of these items be reviewed and corrected to ensure they are accurately reflected in my credit report. If any information can not be verified, I request that it be removed from my credit report in compliance with the Fair Credit Reporting Act. 

Charged Off XXXX Account # XXXX Date Opened : XX/XX/XXXX Balance : {$110.00} XXXX XXXX XXXX Account # XXXX  Date Opened : XX/XX/XXXX Balance : {$26.00} XXXX XXXX  XXXX Account XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX Account # XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Inquiries XXXX XXXX  XXXX : XX/XX/XXXX Late Payments XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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