vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Servicer under contract with Federal Student Aid
State: GA

Complaint narrative:
I have been dealing with Student Aid and XXXX since XXXX with my PSLF status. Initially, the loan was being handled by XXXX. I could see my status and credit for submitted payments. Then, Studentaid.gov took over. I could not see my information. I spoke with an agent, who told me that I had credit for XXXX payments. Additionally, I needed to submit another application and work verification and that my repayments status would be XXXX payments in XX/XX/XXXX. I completed the request. Within several months, I started receiving collection calls. I returned the call, pleaded my case, and supplied proof of sending files. It is XXXX. Every time I wait on the phone for hours to speak with an agent in Student Aid department, I get the same information : " You have a XXXX payments on file. Please send proof of work verification and submit another XXXX application. I have done so 5 times and the message is the same. I need help!

Company response to consumer: Untimely response
Consumer complaint received 2025-06-09 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-06-09 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: FL

Complaint narrative:
This complaint is being filed against Experian due to its failure to comply with federal obligations under the Fair Credit Reporting Act ( FCRA ). Despite XXXX separate dispute attempts, Experian continues to report inaccurate late payments and unauthorized inquiries on my credit report. 

Experian has refused to : Provide documentation containing my signature, Identify who verified the disputed items, XXXX evidence of permissible purpose for the hard inquiries in question. 

According to FCRA XXXX, a credit bureau is required to conduct a proper and reasonable reinvestigation, yet Experian has relied solely on data furnishers without verifying the information independently, violating rulings such as XXXX XXXX BAC Home Loans Servicing, XXXX and XXXX XXXX Equifax XXXX. XXXX, XXXX XXXX 

Disputed Accounts Issues and Requested Actions XXXX XXXX XXXX Issue : Late payments are incorrectly listed on this account and do not match my payment history. 

Requested Action : Remove all late payments while keeping the account open and in positive standing. 

XXXX XXXX XXXX Issue : Payment history inaccurately reflects delinquencies I did not incur. 

Requested Action : Delete the negative payment marks but retain the account status. 

XXXX XXXX XXXX  XXXX Issue : The account reflects inaccurate late payments despite timely compliance. 

Requested Action : Remove the entire derogatory account reporting. 

Disputed Inquiries Issues and Requested Actions XXXX XXXX XXXX XX/XX/XXXX Issue : This inquiry was conducted without my authorization and lacks a documented permissible purpose. 

Requested Action : Immediately delete this inquiry and provide proof if Experian believes it was authorized. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : No credit application or interaction initiated by me ; inquiry is unauthorized. 

Requested Action : Remove the inquiry from my report due to lack of consent. 

XXXX XXXX XX/XX/XXXX Issue : Appears as a hard pull without any related activity or consent on my part. 

Requested Action : Delete this inquiry and ensure no duplicate or reentries occur. 

FCRA Violations by Experian FCRA 611 : Failure to properly investigate and verify disputed items.

FCRA 609 : No provision of documentation or signatures to support the negative data.

FCRA 604 : Continued reporting of unauthorized hard inquiries.

FCRA 616 & 617 : Willful non-compliance subjects Experian to statutory damages, punitive damages, and attorney fees.

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 2025-06-09 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: AL

Complaint narrative:
I am initiating arbitration against Experian and the relevant credit reporting agencies for their failure to accurately report and investigate my credit account as required under the Fair Credit Reporting Act ( FCRA ). Specifically, this dispute concerns account beginning in XXXX, with an original balance of {$1800.00} and a charge-off date reflected in XX/XX/year>. 

After reviewing my credit reports, I noticed a material discrepancy between two separate updates of the same account. In one version, the account shows delinquencies for XXXX ( 60 days ), XXXX ( 90 days ), XXXX ( 120 days ), and a charge-off in XX/XX/year>. However, the updated report reflects ND ( no data ) for XXXX and XXXX, and then a charge-off in XX/XX/year>, which contradicts the previous entry and suggests the account was re-aged, a direct violation of the FCRA and Metro 2 reporting guidelines. XXXX XXXX also stated they did not receive any contact from Experian for the May dispute for this account. 

I previously disputed this matter and requested : Full investigation records. 

Proof of communication and verification steps taken with the original creditor. 

The date the account was first delinquent and the date of charge-off. 

Despite my request, I was never provided documentation of any meaningful investigation or proper validation. Instead, the furnisher changed the reporting with inconsistent charge-off timing and past-due markings, without explanation or notice. This is a violation of my consumer rights. 

Additionally, I have experienced tangible damages due to this inaccurate reporting, including denial of credit and emotional distress, which I am estimating to be at {$10000.00} in total damages. 

Furthermore, I have documentation of this and several other violations related to re-aging of accounts and inconsistent reporting. 

Relief Requested : Immediate deletion of the tradeline in question from all credit reporting agencies.

{$10000.00} in damages for emotional distress and loss of credit opportunities.

Reimbursement of arbitration fees as allowed. 

This complaint will be filed with the XXXX XXXX XXXX per the terms of the cardmember or service agreement, and a copy will be sent to all relevant parties. If you fail to respond or settle the matter amicably, I will proceed with arbitration without further delay.

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 2025-06-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NV

Complaint narrative:
To Whom It May Concern, I am requesting a debt is taken off of my report, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Until this information is provided, they are not legally allowed to report this debt to the credit bureaus, and I request that any current reporting be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: MA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: IL

Complaint narrative:
I have mailed disputed online and attempted by the phone no one will assist or update the incorrect information.

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 2025-06-09 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: TN

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under XXXX XXXX XXXX XXXX ( XXXX ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per XXXX XXXX Code XXXX ( Civil Liability for Willful Noncompliance ) and XXXX XXXX Code XXXX ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, XXXX XXXX XXXX XXXX holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA XXXX XXXX ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of XXXX XXXX Code XXXX ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating XXXX XXXX. XXXX ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ). They must be deleted from my 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 2025-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I had an account with chase an the funds in the account were from my fulltime job that I work. For a short time I took a part time job, was paid with checks. Well it turned out to be a scam, I did not know so those funds were never deposited. So they closed my account 2 months ago an said they would mail out the remaining balance owned after all was done, there was {$1000.00} in the account when closed, after 2 months I recieve a check for {$3.00}. They kept my {$1000.00} that was made legal via my fulltime job where I still work. An recieve that money direct deposit. An I can't get anyone to tell me anything I'm just so frustrated I could cry literally, I recently lost my step dad to XXXX so I'm caring for my mother, paying her bills an taking care of her an I need my money, this is not right. I have not been told why they kept {$1000.00} or anything. Is very wrong cause you clearly see that money was from a recurring direct deposit. Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: MA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, 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 2025-06-09 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:
Hi I have reviewed my credit report and have several inquiries that were not authorized by me, and have been done by someone else who has compromised my personal information, due to the amount of inquiries they have done it is negatively impacting my credit score I called transunion, Equifax, & Experian credit bureau to inform them however they have not corrected my request of deleting the UNAUTHORIZED inquiries the following information is the inquiries that were done by someone else please remove thank you XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX and 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 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 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 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 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 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: MO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX MO XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
These inquires on experian credit report are fraudulent. 

XXXXXXXX XXXX XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, 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 2025-06-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: First Technology Federal Credit Union
State: TX

Complaint narrative:
On XX/XX/XXXX, between approximately XXXX PM and XXXX PM, my vehicle ( a XXXX XXXX XXXX ) was repossessed by a company called XXXX XXXX XXXX XXXX on behalf of First Technology Federal Credit Union ( FtCU ). The vehicle was parked in a secure, gated residential garage at my apartment complex in XXXX, TX. The repossession company entered the private garage without any permission from me or the property manager, and without a court order or notice. XXXX XXXX XXXX management confirmed that no access was authorized and stated that security footage could only be released via subpoena. 

I contacted FtCU immediately afterward and requested reinstatement of the auto loan, but they refused to consider any options other than a full payoff. I offered a {$3000.00} {$5000.00} down payment and provided proof of stable income ( $ XXXX ), but was told to get an attorney and deal with FtCUs legal team if I had concerns about the repossession. 

I believe this is a violation of repossession laws, specifically breach of peace, as the vehicle was taken from a secured private property without consent. I also have concerns about the lack of transparency and refusal to offer reinstatement despite a good-faith attempt to resolve the matter. 

I am requesting a full investigation into : The legality of the repossession process The refusal to offer reinstatement despite financial readiness The total amount and fees being demanded post-repo Whether the lender is compliant with state and federal repossession regulations

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 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is a formal and valid complaint that warrants immediate corrective action. My credit report contains demonstrably inaccurate information that violates the required standard of maximum possible accuracy. These inaccuracies are inflicting serious and ongoing damage to my financial reputation and overall well-being. I demand an immediate and comprehensive investigation, with all false or unverifiable entries corrected or permanently removed without delay. This issue must be resolved at once failure to act is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: EQUIFAX, INC.
State: MA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF MY CREDIT FILE.

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