vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC XXXXi ( XXXX ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: CA

Complaint narrative:
I am formally disputing the accuracy and validity of the following accounts and inquiries listed on my credit report. I assert that these items are either inaccurate, outdated, duplicated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be corrected or permanently deleted from my credit profile. 

XXXX XXXX XXXXXXXX BALANCED {$300.00} DATE OPEN : XXXX. XXXX, XXXX XXXX  XXXX XXXX XXXX BALANCED {$0.00} DATE OPEN : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  BALANCED {$170.00} DATE OPEN : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  BALANCED {$190.00} DATE OPEN : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-04-29 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: 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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-04-29 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 dispute the validity of the debt of both XXXX accounts, Im questioning verification of the debt which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed, I am requesting validation made pursuant to the fair debt collection practices act please note I am requesting validation that is competent evidence, bearing my signature showing that I have. Are ever had some contractual obligation to pay. 

failure to respond within XXXX  days of this certified letter from the cfpb will result in small claims legal action I will be seeking up to XXXX in damages negligent, enablement defamation identity fraud

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 2025-04-29 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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-29 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: NC

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that I had fraudulent accounts on my report. Please remove these fruaudulent accounts, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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 recently reviewed a copy of my credit report and noticed that I had fraudulent accounts on my report. Please remove these fruaudulent accounts, they are hurting my ability to obtain credit.

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 2025-04-29 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: NC

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-04-29 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: IL

Complaint narrative:
This is one of my multiple attempts to notify credit bureau that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX * * * * * * * * * * Balance Owed : {$310.00}

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 2025-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Gordon, Aylworth & Tami, P.C.
State: WA

Complaint narrative:
In XX/XX/XXXX, Gordon , Aylworth & Tami , P.C . offered me a XXXX interest-free payment plan. I did not respond at the time. On XX/XX/XXXX, I accepted the offer by replying to the email. Later that day, I was informed that wage garnishment had already begun. 

I was surprised, as I had not received any prior notice of garnishment. Upon calling the firm, a representative incorrectly informed me that I did not need to be notified of the garnishment and claimed notice was sent on XX/XX/XXXX. However, both I and my employer confirmed that no such notice was received. Only after I raised concerns was the paperwork resent to me and my employer in late XX/XX/XXXX. 

XXXX began without proper notice or opportunity to respond, violating Washington XXXX law ( RCW XXXX ). I subsequently negotiated a XXXX payment plan in XX/XX/XXXX, freezing the balance at {$3000.00} with no additional interest or fees. Despite this written agreement, XXXX, XXXX XXXX XXXX continued to add unauthorized interest charges to the balance. 

I requested proof of mailing, tracking numbers, and compliance documentation, but did not receive the requested information. I respectfully request enforcement of the agreed settlement terms and review of the firms procedural violations regarding garnishment and debt collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: AL

Complaint narrative:
On XX/XX/year>, at XXXX, TransUnion received a certified letter from me explaining that I had inaccurate information appearing on my credit report. I asked Transunion to remove this erroneous information from XXXX XXXX XXXXXXXX account numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Then, I received a letter dated XX/XX/year> from TransUnion stating the investigation of the dispute was complete and it has been verified. Next, on XX/XX/year>, @ XXXX, TransUnion received a certified letter from me requesting the method of verification to include : the method and sources used to verify the reported account, the name, and contact information of the entity that provided this information, a copy of any documentation relied upon in their investigation, a copy of the original agreement which contains my signature, a detailed accounting report of the total amount being reported, and a copy of the chain of ownership. Finally, I recently received a letter dated XX/XX/year>, talking about their investigative procedures. TransUnion did not provide me with any of the requested information that I politely asked for. Also, on XX/XX/year> my Transunion credit score was XXXX and on XX/XX/year>, my TransUnion credit report had dropped XXXX points to XXXX. The only thing changed on my credit report was the date, information, and balance of the accounts that I disputed. I feel this was done because I disputed the inaccurate information that Transunion was reporting. It appears as if it's retaliation at its finest.

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 2025-04-29 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: CA

Complaint narrative:
I dispute the validity of the debt of both XXXX accounts, Im questioning verification of the debt which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed, I am requesting validation made pursuant to the fair debt collection practices act please note I am requesting validation that is competent evidence, bearing my signature showing that I have. Are ever had some contractual obligation to pay. 

failure to respond within XXXX  days of this certified letter from the cfpb will result in small claims legal action I will be seeking up to XXXX in damages negligent, enablement defamation identity fraud

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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am submitting this complaint because Portfolio Recovery Associates ( XXXX ) has violated the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) on XXXX separate accounts. 

On XX/XX/year>, and again on XX/XX/year>, I sent written disputes directly to XXXX and despite providing these disputes : XXXX failed to investigate or respond properly within 30 days as required by FCRA 1681i. 

XXXX failed to mark the accounts as " disputed by consumer '' under FCRA 1681s-2 ( b ) ( 1 ) ( D ). 

XXXX continued to furnish inaccurate, unverifiable, and false information knowingly. 

XXXX altered the balance of the {$3600.00} account by {$1.00} on XX/XX/year>, despite no payments or account changes, a deceptive practice likely intended to re-age the account and deceive credit scoring models, in violation of FDCPA 1692e ( 2 ) ( A ). 

I have documentary evidence of all disputes, account histories, and balance manipulations. 

I respectfully request immediate and permanent deletion of all three accounts from all credit reporting agencies ( XXXX XXXX XXXX XXXX ), and confirmation sent to me within 15 days. 

Failure to comply will result in civil litigation against XXXX seeking statutory and punitive damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: NM

Complaint narrative:
I submitted multiple ADA accommodation requests to XXXX XXXX XXXXComenity Bank XXXX requesting accessible billing practices due to my documented disability. Despite these requests, the company failed to send proper billing statements by mail, failed to properly notify me of billing and interest rate changes, and failed to respond to my XXXX XXXX seeking resolution. 

Following my XXXX XXXX, the company retaliated by raising my interest rate without proper notice or justification, further compounding the financial harm. 

As a result of their noncompliance, unauthorized late fees and derogatory marks were improperly applied to my account, damaging my credit standing. These actions violate both the Fair Credit Reporting Act ( FCRA ) regarding accurate reporting, and the Americans with Disabilities Act ( ADA ) regarding accessible billing and communication. 

I am requesting immediate investigation, removal of all unauthorized late fees, reversal of any retaliatory interest rate increases, correction of all inaccurate reporting, and full enforcement of my federally protected ADA rights.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: GA

Complaint narrative:
I am submitting this complaint regarding the federal student loan forgiveness program announced by the XXXX XXXX in XXXX 

I applied for and was approved for up to {$20000.00} in loan forgiveness. Based on official guidance and the repeated extensions of the payment pause, I was led to reasonably believe that my balance would be reduced before repayment resumed. 

Following this official direction, I did not make payments, as federal communication indicated no payments were necessary while forgiveness was pending. However, after the program was overturned by the Supreme Court, no alternative relief or adjustment was provided to borrowers like myself who acted in good faith based on government promises. 

As a result, I am now considered behind on my loans, not because of negligence, but because I trusted the guidance given at the time. I feel this situation is extremely unfair and has caused me financial and emotional stress. It has been a major mental and emotional struggle to even motivate myself to repay now, because it feels fundamentally unjust to be penalized for following what the government instructed me to do. 

I respectfully request that my loan account be restored to good standing without penalties or negative credit reporting. Additionally, due to the false hope provided and the harm caused by being placed into delinquency, I am formally requesting that a meaningful percentage of my loan balance be forgiven as compensation for the damage caused. 

Borrowers who relied on government communications should not be punished. I followed all instructions provided, and I am simply asking for fair treatment based on the promises that were made. Thank you for your urgent review and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: 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 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 2025-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: MI

Complaint narrative:
This letter serves as a formal dispute regarding the reporting of the XXXX XXXX XXXX XXXX XXXX account ( Account ending in [ last XXXX digits ] ) on my credit report. After careful review, I have found several serious violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. that require immediate correction.

Violations Identified : 1. False Foreclosure Reporting : The account is listed as Foreclosure when it is clearly a vehicle repossession, not a mortgage foreclosure.

Misclassifying repossession as foreclosure severely damages my credit profile and misleads potential lenders, violating FCRA 15 U.S.C. 1681e ( b ).

2. Incomplete and Inaccurate Balance Reporting : The account lists no balance but states there may be a balance due.

Under FCRA guidelines, a specific final balance must be reported or the account must be resolved/closed properly.

3. Incomplete Payment History : Numerous months are marked as NR ( Not Reported ) across multiple years.

Payment history reporting must be complete, consistent, and accurate if it is reported at all.

4. Outdated, Stale Reporting : The account was last updated in XX/XX/XXXX but continues to damage my credit report in XXXX. 
Stale and unresolved data violates the FCRAs reasonable procedures requirements.

5. Conflicting Comments : The account comment states Transferred to Another Lender while also stating the merchandise was repossessed.

This materially misleads lenders and violates the duty of maximum possible accuracy.

Resulting Harm : Due to these violations, I have suffered : Credit score suppression, Denial of new credit, Increased interest rates, Emotional distress and reputational injury.

Formal Demands : 1. Full Deletion : I demand the immediate and permanent deletion of the XXXX XXXX XXXX XXXX XXXX tradeline from my credit files at Experian, Equifax, and TransUnion. 
2. Monetary Compensation : I demand monetary compensation of {$5000.00} for the damages sustained under FCRA provisions allowing statutory, actual, and punitive damages ( 15 U.S.C. 1681n and 1681o ).

3. Written Confirmation : I require written confirmation of the deletion and a settlement offer regarding monetary damages within 15 calendar days of your receipt of this dispute.

Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and State Attorney General, along with the initiation of a private lawsuit for damages.

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