vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 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 am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including XXXX Late CLosed XXXXT XXXX * * * * Balance : {$220.00} Date Opened : XX/XX/XXXX Charge Off : XXXX XXXX * * * * Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX * * * * Balance : {$14000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX * * * * Balance : {$14000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX * * * * Balance : {$3700.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX * * * * Balance : {$14000.00} Date Opened : XX/XX/XXXX XXXX XXXXXXXX * * * * Balance : {$670.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX * * * * Balance : {$780.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX * * * * Balance : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX * * * * Balance : {$0.00} Date Opened : XX/XX/XXXX Collection : XXXX XXXX XXXX XXXXXXXX * * * * Balance : {$1400.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX * * * * Balance : {$1600.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX * * Balance : {$2500.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX * * * * XXXX XXXX {$750.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX * * * * Balance : {$1100.00} Date Opened : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: CT

Complaint narrative:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have 15 days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

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 2025-04-16 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: CA

Complaint narrative:
Hello, Im contacting you because I noticed a suspicious, unauthorized credit inquiry on my report. I never applied for credit with this company, nor did I give them permission to access my information. I take my financial privacy very seriously, so seeing this kind of activity is deeply unsettling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: IL

Complaint narrative:
My personal and financial data was compromised, violating FERPA. I request full cancellation of my student load debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to file a formal complaint against the XXXX major credit bureaus : Experian, Equifax, and TransUnion. 

Since XX/XX/year>, I have been unable to access or pull my credit report from any of the aforementioned credit bureaus. Each time I attempt to access my report online, I am met with a generic " error '' message, and no further explanation is provided.

Despite multiple attempts to resolve this issue, I have not received a clear answer or guidance on why I am unable to view or obtain my credit report. This ongoing issue has caused frustration and concern, as access to my credit report is essential for monitoring my financial health and protecting myself against identity theft or inaccuracies.

I am requesting the following : A detailed explanation as to why I am unable to access my credit report.

Immediate resolution of the technical or administrative issue that is preventing access.

Confirmation that there has been no fraudulent activity or freeze on my credit file causing this issue.

Access to my current credit reports from Experian, Equifax, and TransUnion without further delay.

If this matter is not resolved promptly, I will have no choice but to escalate the issue through formal complaints to the Consumer Financial Protection Bureau ( CFPB ).

Please treat this matter with urgency and provide a written response within 10 business days. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
I saw an account from rent recovery solutions reporting on my credit file but I noticed the last time it was reported was last year in XXXX. Is Rent recovery solutions still collecting on this alleged debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: EdFinancial Services
State: WV

Complaint narrative:
My personal and financial data was compromised, violating FERPA. I request full cancellation of my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: CA

Complaint narrative:
I am submitting this letter to formally report that I have been a victim of identity theft. As a result, there are unauthorized accounts and inquiries listed on my TransUnion and Equifax credit reports that I did not initiate or approve. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ) and 611 ( 15 U.S.C. 1681i ), to request a full investigation and removal of these items.

Details of the Disputed Items : Collections Account : Creditor Name : XXXX XXXX XXXX Reported Date : XX/XX/XXXX Status : Closed, {$0.00} balance Original Creditor : XXXX XXXX XXXX XXXX  Comment : Account information disputed by consumer ( already acknowledged ) Hard Inquiries : XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Type : XXXX XXXX and XXXX XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Type : Banks I did not authorize any of these inquiries or accounts, nor have I given anyone permission to use my personal information to apply for credit. These are the direct result of fraudulent activity. 



Requested Actions : 1. Immediate blocking and deletion of the above-mentioned fraudulent collections account and inquiries from both my TransUnion and Equifax credit reports.

2. Verification of all debts listed above by furnishing documented proof ( e.g., signed applications or account agreements ). If such verification can not be provided, the items must be permanently removed as required under FCRA 611.

3. Written confirmation that these items have been removed from my credit reports.

4. Notification to the furnishers of these accounts/inquiries that the information is being disputed due to identity theft, and that they are to cease reporting unverifiable or fraudulent data.

5. An updated copy of my credit reports reflecting all corrections.

Supporting Documentation Included : A copy of my government-issued photo ID Proof of current address ( recent bank statement ) Add FTC Identity Theft Affidavit & Police Report I request that my case be processed within the timeline outlined by the FCRA. Should any item be falsely verified as valid, please be aware that under FCRA 616 ( 15 U.S.C. 1681n ), I am entitled to seek statutory damages of {$1000.00} per violation and will pursue further legal remedies if necessary. 

Thank you for your prompt attention to 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 2025-04-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I recently discovered two federal student loans serviced by XXXX that were automatically added to my financial aid package on the first day of my freshman year at XXXX XXXX XXXX in XXXX as opt-out loans, not requiring explicit consent. I had absolutely no knowledge of these loans until noticing a sudden, significant drop ( over XXXX points ) in my credit score due to late payments reported in XX/XX/XXXX. 

Years ago, I consolidated all known federal student loans and have maintained perfect payment history ever since. I genuinely believed these two loans were included, as I received no clear separate communication about their existence. Furthermore, these loans were transferred from XXXX to XXXX without my clear awareness, making it even more challenging to identify any correspondence or recognize their existence. 

Immediately upon discovering this, I brought the loans current and enrolled in autopay. I requested that XXXX grant a retroactive administrative forbearance or deferment, or provide a goodwill removal of the negative credit reporting due to this genuine misunderstanding and lack of clear notification. 

I'm requesting the CFPBs assistance in ensuring XXXX fairly reviews my request and ideally removes these negative marks from my credit report, given the understandable circumstances surrounding the opt-out nature of the loans and subsequent loan transfer confusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: TX

Complaint narrative:
I am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including loansIappliedfor Late CLosed XXXX XXXXXXXX * * * * Balance : {$220.00} Date Opened : XX/XX/XXXX Charge Off : XXXX XXXX * * * * Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX * * * * Balance : {$14000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX * * * * Balance : {$770.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX * * * * Balance : {$3700.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX * * * * Balance : {$14000.00} Date Opened : XX/XX/XXXX FST XXXX XXXXXXXX * * * * Balance : {$780.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX * * * * Balance : {$6400.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX * * * * Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX * * * * Balance : {$0.00} Date Opened : XX/XX/XXXX Collection : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX * * Balance : {$920.00} Date Opened : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX * * * * Balance : {$910.00} Date Opened : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX * XXXX * * Balance : {$1400.00} Date Opened : XX/XX/XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX * * Balance : {$2500.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXriginal Creditor : XXXX XXXX XXXX ) XXXX * * * * Balance : {$750.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX * * * * Balance : {$1100.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX BANK XXXX A ) XXXX * * * * Balance : {$670.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX * * * * Balance : {$1600.00} Date Opened : XX/XX/XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I disputed inaccurate information on my credit reports, including closed accounts still marked as delinquent, false late payments, an incorrect address ( XXXX XXXX XXXX ), and unauthorized hard inquiries. Despite multiple written disputes over the past year, I received no results, reinvestigation findings, or confirmation of correction. 

The accounts in question continue to harm my credit score, and are being re-reported monthly as if active. I have experienced denials for credit, housing, and high interest rates as a result. My personal information was exposed in a data breach, and no fraud alert or security freeze was applied to protect my identity. 

These failures mirror violations in CFPB XXXX XXXX. XXXX against Experian, including ignoring disputes, re-reporting deleted data, and allowing harmful inaccuracies to persist. 

I am requesting permanent deletion of the inaccurate items, removal of the incorrect address, deletion of unauthorized inquiries, and that all future harm and reporting errors cease 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 2025-04-16 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: EQUIFAX, INC.
State: VA

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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: MI

Complaint narrative:
VALIDATION AND CEASE AND DESIST Sunrise Credit Service. Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sunrise Credit Service, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 6. Please provide the original contract between the creditor with my wet signature stating that I agreed to pay. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to 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 explanation
Consumer complaint received 2025-04-15 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:
Im filing this complaint because Experian Information Solutions XXXX Inc. has completely ignored a legal notice I sent on XX/XX/year>, which was delivered to them via certified mail on XX/XX/year>. I gave them a clear 15-day window to respond and resolve the serious issues with my credit report, but theyve done nothing. No response, no investigation, no attempt to fix anything. This is not just frustrating ; its outright negligent.

In my letter, I detailed the following serious violations of the Fair Credit Reporting Act ( FCRA ) : Failure to investigate my disputes properly Ive followed the legal process, but Experian hasnt taken the required steps under 15 U.S.C. 1681i.

Inaccurate reporting of delinquent accounts, which violates the FCRAs accuracy requirements under 15 U.S.C. 1681e ( b ).

Duplicate collection accounts on my report, which is a clear violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ).

Re-aging of debt theyre keeping negative items on my credit longer than allowed by law, violating 15 U.S.C. 1681c ( a ).

Failure to mark disputed accounts as disputed, which is a blatant violation of 15 U.S.C. 1681s-2 ( a ) ( 3 ).

These are clear violations, and Experian is fully aware of their obligations under the FCRA. Despite this, theyve chosen to ignore my rights and ignore the law. I gave them a reasonable opportunity to resolve this outside of court with a {$15000.00} settlement demand, which is well within my rights for the statutory damages provided by the FCRA for their willful negligence. But theyve refused to respond.

Ive attached the original letter I sent. This has gone on long enough. Experian is actively damaging my credit and causing financial harm by allowing this to drag on. The fact that theyre ignoring this issue completely shows they have no intention of doing the right thing voluntarily.

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 2025-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CLGF Holdco 1, LLC
State: MN

Complaint narrative:
I am submitting this update to my prior complaint regarding inaccurate legal representation designations on my XXXX and now XXXX credit card accounts. 

After further investigation and multiple phone calls, Ive learned that both accounts were transferred to Concora Credit, the managing bank that now oversees both accounts. It was only after this transition that I lost online access and discovered that both accounts were flagged as being under legal representationwhich is completely false.

I have never authorized any attorney or third party to act on my behalf for either account.

The following issues have now emerged : - False legal representation designations on multiple a

ccounts following a transition to Concora Credit. - Loss of online account access without notification or cause.

- Difficulty reaching accurate customer service responses due to the account being flagged incorrectly.

I am requesting an immediate investigation into Concora Credits handling of these accounts, specifically regarding : - Misreporting to credit bureaus - Blocking consumer account access - Assigning third-party representation without consent I am seeking the removal of all false legal representation notations and restoration of my access rights and account accuracy across all reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
I received a letter from radius, a collection agency, about a XXXX XXXX order.They didnt name the company. I told them, I didnt place this order, in a return message that stated if this is not your debt, please return this notice, so I did. Well about XXXX later they send this fraud affidavit, asking for all of my personal information.My ss # DOB.Where did I live, when this purchase was made.A five page document, which I refuse to complete.These people are trying to scam on me.I want them to leave me alone. Someone used my name and information to make this purchase.They dont even name the company., there are multiple XXXX  that sell XXXX.It was not me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief