vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: OH

Complaint narrative:
I have requested chain-of-custody documentation for my current federal student loans. My privacy has been violated according to FERPA protections. My loans should be discharged in full and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: Advanced Resolution Services Inc.
State: VA

Complaint narrative:
I requested to opt out of all third-party data sharing and reporting. Please suppress my information from future use and remove it from active databases.

Your agency is obligated to comply with the following federal mandates : 15 U.S.C. 1681b ( a ) Limits use and disclosure of consumer data to permissible purposes only.

15 U.S.C. 1681e ( a ) Requires you to maintain strict procedures to ensure lawful and accurate use of consumer data.

15 U.S.C. 1681g ( a ) ( 1 ) Grants me full rights to request and receive a disclosure of all personal data you possess.

15 U.S.C. 1681c ( a ) Prohibits retention of obsolete consumer information beyond federal limits.

15 U.S.C. 1681i ( a ) ( 5 ) Restricts reinsertion of any previously deleted data without certification and written notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: CBC Companies, Inc.
State: VA

Complaint narrative:
I demanded that your company and all of its partners, affiliates, data brokers, and marketing entities immediately cease all sharing, use, or sale of my personal data without my explicit and informed consent. 


I am formally demanding that your company and all of its partners, affiliates, data brokers, and marketing entities immediately cease all sharing, use, or sale of my personal data without my explicit and informed consent. This includes any activity related to consumer reporting, profiling, marketing, or third-party access. 
I previously requested to opt out of all third-party data sharing and reporting. That request still stands. I now reiterate and escalate that request with legal force. You are hereby ordered to permanently opt me out of all consumer reporting and marketing systems maintained or used by your company. 
You are obligated to comply with the following federal statutes under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681b ( a ) Limits the use and disclosure of consumer data to only those purposes explicitly authorized by law.

15 U.S.C. 1681e ( a ) Mandates that consumer data handlers follow strict procedures to ensure the accuracy, lawfulness, and permissible use of such data.

15 U.S.C. 1681g ( a ) ( 1 ) Grants me the right to request and receive a complete disclosure of all personal information your organization holds.

15 U.S.C. 1681c ( a ) Prohibits the retention of obsolete or outdated consumer data beyond allowable federal limits.

15 U.S.C. 1681i ( a ) ( 5 ) Prohibits reinserting previously deleted data into any system without proper certification and written notification to the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 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: CA

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 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: CA

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2025-04-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have asked for a copy of my wet signature with no response for any of the companies that I asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Synchrony Bank representing more than XXXX of my accounts that lost greater limits to affect my credit score and debt used to credit avail

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 2025-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
I'm having a lot of issues logging into Aidvantage to pay off my XXXX XXXX. I got so many notifications from my credit card company that my credit score is going down, and I'm trying to fix it, but for some reason my SSN and birthday combination isn't working for me to login to Aidvantage. I need this resolved ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

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 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: EdFinancial Services
State: AL

Complaint narrative:
Under United States law 20 USC code 1232 ( G ) My rights were violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Byrider Franchising, LLC
State: OH

Complaint narrative:
Non stop problems with Byrider from start. Only went through them as this particular car is hard to come by. First off I made significant down payment and they DID NOT apply and finance me for more than should have. Refuse to this day to update balance!!! In XXXX I really started having a fit over it. Demands for them to fix and for accounting records. The day they finally gave me this insanity of account they retaliated with repossession the next day!!!!! Then they told tow to take right to auction and sell. Repo company and auction lot helped me identifying their lies and getting car back. Only to then have them illegally transfer my title out of my name!!!! I threatened to sue if they didnt immediately send me paperwork via fed ex and then title. They refused and kept repeating some bs then said on vacation so couldnt. Then I said going to lawyer and they transferred title back. Weeks later they changed lien on title. Title says purchase {$0.00}. Odometer wrong. That was XXXX Been arguing since. Last few weeks ago I reported to credit bureaus they had reported incorrect information and demanded it be fixed and why and they retaliated again last week suddenly started sending me a link to sign documents non stop. It said I requested redo of terms and that I owed for XXXX and XXXX and would sign forebarencd to be back on track for mid XXXX payment schedule but I very much did pay XXXX and XXXX and was not behind. And they still have not updated balance with downpayment or the illegal interest they are charging daily!! Any payment made suddenly goes to interest only. After over a year balance not down even {$1.00}!!!!!! And as of XXXX  the XXXX XXXX started threatening me to sign that paperwork or be repod when I pointed out why I would not and to fix account and that I wanted a full copy of my entire account with all documentation contracts disclosures and financial statements or please schedule mediation as per our agreement- and he turned around and sent me notice of intent to repo!!!!!!!!! So as of now I have not paid XXXX payment that due this upcoming week or signed anything just keep repeating to send me documents! This is insane please help. 

And also- upon purchase there was and issue with door and fuel pump they were to fix and I paid for the service extended warranty thing but then they shut down all byriders in area. So they never fixed nor can they honor that whatsoever! They should have to refund that and credit for what wasnt done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: FIRST CITIZENS BANCSHARES, INC.
State: IL

Complaint narrative:
To whom it may concern : On XX/XX/XXXX my loans were originated with XXXX XXXX XXXX XXXX XXXX for XXXX XXXX and XXXX mortgages. On XX/XX/XXXX, Vericrest Financial XXXX XXXX became the successor in interest of the loan from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX payments were never recorded on my credit report nor does it show that it was paid on my Mortgage statements as of today to show the amounts that were paid. I filed Bankruptcy Chapter XXXX with the XXXX XXXX Bankruptcy courts XXXX XXXX XXXX Illinois on XX/XX/XXXX which included payments to be paid by me through the Bankruptcy courts XXXX XXXX With that being said, on XX/XX/XXXX, I received a confirmed statement from the Bankruptcy courts that both XXXX and XXXX Mortgage Principals & Arrears were paid and stated on my Trustee 's Periodic Report of Receipts and Disbursements to Vericrest Financial XXXX Fka The XXXX XXXX. The amounts that were paid thru the Bankruptcy courts, XXXX XXXX as follows : XXXX mortgage in the amount of {$34000.00}, Mortgage Arrears paid for {$2400.00} and for the XXXX mortgage in the amount of {$7400.00}, all payment amounts were paid to Vericrest Financial XXXX XXXX Groups by the courts. I can't find any way to contact this mortgage company to get this issue resolved and I have tried several times. Your assistance would be greatly appreciated. Hopefully, I can still get this issue resolved. Thank you very much. 

Respectfully yours,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Public record information inaccurate
Company: Servicer under contract with Federal Student Aid
State: MD

Complaint narrative:
I owe student loans. My student loan payments were on pause from the law that was implemented. I was not aware that payments have resumed and as a result, it shows that have been delinquent in payment for 90 days. The address on file is somewhere that I no longer live for quite some time. I did not get a phone call or anything to inform me of this. My credit score has taken a significant hit and it is unfair to me because I was blind sided with this occurrence.

Company response to consumer: Untimely response
Consumer complaint received 2025-04-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
My bank CD 's were running out and I want to add my personal external account to send this money to another bank. I have met all the bank 's requirements and received XXXX control deposits from them on the external account. But the bank demanded to send them a copy of my ID and external account bank statement ( even though both accounts belong to me personally ). I complied with their demands and sent the documents. But they are not reviewing them or approving my external account. This way they block my money on their account and do not give me an opportunity to place it in another bank on more favorable conditions. I have been waiting XXXX weeks for this simple action. I have written several inquiries to them, but have not received any answer. After that I wrote to the management of the bank. But they replied me that I have to wait. Although only a couple of minutes would have been enough to check the documents I had sent. All this is done on purpose to keep my money in their bank at low interest rate. This is fraud and breaking the law. This is a violation of my consumer rights. I ask to oblige the bank to unblock my money and impose sanctions on the bank.

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 2025-04-13 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: SC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: PR

Complaint narrative:
I have never pay late and Citi put in my credit a charge off. I almost paid full my credit card and I was never late. They were responsable for not putting a credit limit on my card. Please see my attached a screenshot of my account.

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 2025-04-13 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: NJ

Complaint narrative:
After looking over my consumer report I noticed that Experian is reporting a bankruptcy but without the proper consent. I mailed them a letter asking them what's their source. If they received this information from a third party company then that is not the proper source of information and shows that they violated laws within the FCRA. I as a consumer have. the right of privacy. In accordance of 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ), if they can not properly verify this information ( excluding third party companies ) then this information must be removed from my consumer report immediately.

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 2025-04-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Recovery and Collections, Inc.
State: NV

Complaint narrative:
Sentry recover inc account number XXXX This is not my account nor my social listen on the lease .. DELETE OFF OF MY CREDIT REPORT ASAP .15. U.S.C 1692C If a consumer notify a debt collector. That the consumer refuses to pay a debt. The debt collector must cease all communication. UCC

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 2025-04-13 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:
I have made several attempts to figure out this loan that has shown up on my credit report i have called the creditor several times and my social security number does not match the account holders information i have filed this complaint with Equifax and XXXX and both of those claims have not been correct as i assumed and verified myself but it is still on my credit report and its hindering me from getting an actual car loan because this account is not mine! two completely different social security numbers as XXXX XXXX auto does not have any record of my social security number whatsoever.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 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: GA

Complaint narrative:
I have made several attempts to figure out this loan that has shown up on my credit report i have called the creditor several times and my social security number does not match the account holders information i have filed this complaint with XXXX and XXXX and both of those claims have not been correct as i assumed and verified myself but it is still on my credit report and its hindering me from getting an actual car loan because this account is not mine! two completely different social security numbers as XXXX XXXX XXXX  does not have any record of my social security number whatsoever.

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 2025-04-13 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: GA

Complaint narrative:
I have made several attempts to figure out this loan that has shown up on my credit report i have called the creditor several times and my social security number does not match the account holders information i have filed this complaint with XXXX and Experian and both of those claims have not been correct as i assumed and verified myself but it is still on my credit report and its hindering me from getting an actual car loan because this account is not mine! two completely different social security numbers as XXXX XXXX auto does not have any record of my social security number whatsoever.

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