vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
Last week on XX/XX/scrub>/2025 I wanted to check my options for a personal loan to consolidate some credit card debt and have some capital for summer plans for my business. I searched for places that don't do a hard inquiry as I was only interested in figuring out options and NOT to apply for a loan. For my research I used XXXX, XXXX, and XXXX. 
I got results for 3 agencies that were all highly recommended by all 3 sources as places that provide a quote using a soft pull only - XXXX, LightStream, and XXXX. 
I went to their respective websites and explored the options with all 3, submitting my information. 

Out of the 3, I got a report from my credit monitoring service that Lightstream did a hard inquiry on my credit report. 

I called them and in reply they said I should have checked their FAQs where is says it is a hard pull. It is not mentioned in the application process nor in the acknowledgment section of the application. 

I believe this to be false advertising - as they are listen in all places including XXXX as a place that only does a a soft pull, there is no specific language in their application to ensure I knew it was going to be a hard pull and impact my credit, and now they are binding me to them by doing this hard pull on my credit as I can't inquire with other places seriously.

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 — Personal information incorrect
Company: EdFinancial Services
State: FL

Complaint narrative:
Hello, To who may it concern, Student Loan 90 days Delinquency, No 30 and No 60 day of notice. 


I never received the following before i got hit with late fees, drop of credit score and insterests. 

I never received any calls I never received any electronic emails I never received any in mail letters

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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have some hard inquiries on my credit report from both Equifax and Transunion that Im not sure about. XXXX XXXX, a personal loan company, inquired on XX/XX/year>, and repeated the inquiry twice in different names on my Transunion report. XXXX inquiry is under XXXX XXXX, and the other is under XXXX.

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: EQUIFAX, INC.
State: OK

Complaint narrative:
Please block and delete the unauthorized accounts from my credit file immediately. I have no knowledge of these accounts and did not authorize their creation. Pursuant to USC 1681g, I am formally requesting their removal within 15 days. Supporting documents are enclosed for your review. I also noticed inconsistent and inaccurate account information being reported to each bureau.

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: EQUIFAX, INC.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX5 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX5 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: ME

Complaint narrative:
In XXXX, I took out two private student loans from Sallie Mae to attend XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX, SC ). I withdrew after one year due to debt concerns and realizing the school had misrepresented job placement and salary outcomes. In XXXX, the U.S. Department of Education discharged my federal loans under Borrower Defense for that fraud. Despite this, Sallie Mae still holds me to over XXXX XXXX in private loan debt ( originally XXXX XXXX XXXX ) with a 20-year repayment term. I requested a lower payment plan early on and was denied, then forced into forbearance due to hardship, which caused my balance to grow. I formally disputed the loans via certified mail on XX/XX/XXXX, and am requesting discharge or CFPB-facilitated resolution based on these circumstances. All supporting documents are attached.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
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: EQUIFAX, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Possible Financial Inc
State: TX

Complaint narrative:
I am filing a formal complaint against Possible Financial regarding the inaccurate and misleading reporting of an account currently listed on my credit report. This account has been closed and charged off since XXXX, and no activity or payments have occurred since that time. Despite this, the account continues to reflect a monthly CO ( charge-off ) status in the payment historyincluding up to XX/XX/XXXX. 

This pattern of reporting is not only inaccurate but also suggests re-aging of the account, which is a serious violation of the Fair Credit Reporting Act ( FCRA ). Reporting charge-offs each month when no payments or changes have occurred is both misleading and detrimental to my credit profile. Once an account is charged off, it should not reflect continued derogatory marks unless there is new delinquencywhich there is not. 

I have previously disputed this account through the credit bureaus. However, they verified it as accurate, likely based on automated systems that do not conduct full investigations. I am now addressing this directly with youthe furnisher of the informationto formally dispute the accuracy and completeness of the data you are providing. 

I am demanding that this account be immediately removed from my credit report due to the inaccurate reporting and the practice of re-aging, which is not permitted under the FCRA. If this is not resolved promptly, I will escalate the matter further and seek legal relief for the harm this reporting has caused.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Block, Inc.
State: GA

Complaint narrative:
I purchased groceries at XXXX XXXX XXXX on XXXX, XX/XX/XXXX and used a CashApp visa debit card to pay for the purchase. On Monday, the charged was increased to double the amount of the purchase so I tried to open a dispute to get the money returned to me and every attempt to get support from CashApp has been unsuccessful. When they respond via email they say they can not provide any information or I am given links or email addresses that return errors or message delivery failures. I tried submitting the receipt for the purchase to show the amount that should have been charged I was told no information can be provided and I will need to wait up to 45 days for them to review the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX Debt Bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXInquiryXXXXXXXX XXXXXXXXInquiryXXXXXXXX XXXXInquiryXXXX XXXXInquiryXXXX XXXX XXXXInquiryXXXX XXXX XXXX XXXXInquiryXXXX XXXX XXXX XXXXInquiryXXXX XXXXInquiry1XXXX XXXXInquiryXXXX XXXX XXXX XXXXnquiryXXXX XXXX XXXX XXXXInquiryXXXX XXXXInquiryXXXX XXXX XXXXInquiryXXXX XXXXInquiryXXXX XXXX XXXX XXXXIInquiryXXXX XXXXInquiryXXXX XXXXXXXXInquiryXXXX XXXXInquiryXXXX XXXX XXXXInquiryXXXX XXXX XXXX XXXX  - Incorrect Personal XXXX  - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX  - Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX  - Incorrect Personal XXXX  - Incorrect Personal XXXX XXXX XXXX  - Incorrect Personal XXXX XXXX  - Incorrect Personal XXXXXXXX XXXX - Incorrect Personal

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: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One deliberately underpaid my savings account interest. My account was migrated to a 360 Savings account when Capital One purchased the former XXXX Bank. I asked if there was a higher performing account and was not told about the 360 Performance Savings, which paid almost XXXX the interest rate. I even called the bank about a separate matter and asked if there was a better option for my savings account and was told NO even though the new option had existed for quite some time. I lost out on over {$10000.00} because of their deception and they refuse to return what I lost in interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: NC

Complaint narrative:
I am writing to formally dispute inaccurate and unauthorized information appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( 2 ), my personal information should not have been reported without my express written consent. The accounts listed do not reflect any transactions I personally authorized or conducted. This reporting may constitute identity theft as outlined under 15 U.S.C. 1681c-2.

I request an immediate investigation and correction of these inaccuracies to restore the accuracy and fairness of my credit file as required by the FCRA.

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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the following federal student loan accounts listed on my credit report. These loans were issued under the U.S. Department of Education, which has since been abolished, rendering these debts legally unenforceable and unverifiable. Accounts in Dispute : Creditor : DEPTEDXXXX ( XXXX XXXX U.S. Dept of Education ) Account # : XXXX Open Date : XX/XX/XXXX Reported Balance : $ {$1700.00} Creditor : DEPTEDXXXX Account # XXXX Open Date : XX/XX/XXXX Reported Balance : $ {$2100.00}. Abolishment of the XXXX Department of Education The originating agency for these loans no longer exists, making these debts legally unenforceable. Inability to Verify Debt Per the Fair Credit Reporting Act ( FCRA 1681i ), you must verify the accuracy of these accounts. Since the Department of Education is defunct, verification is impossible. No Valid Current Creditor Nelnet services these loans on behalf of the DOE, which no longer exists. There is no legal authority to collect or report this debt. Requested Action : Immediate deletion of these accounts from my credit report. Written confirmation of the removal. Notify all credit bureaus if these accounts were furnished to them. If you fail to verify these accounts within 30 days ( as required by the FCRA ), they must be removed. 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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the following federal student loan accounts listed on my credit report. These loans were issued under the U.S. Department of Education, which has since been abolished, rendering these debts legally unenforceable and unverifiable. Accounts in Dispute : Creditor : DEPTEDXXXX ( XXXX XXXX U.S. Dept of Education ) Account # : XXXX Open Date : XX/XX/XXXX Reported Balance : $ {$1700.00} Creditor : DEPTEDXXXX Account # XXXX Open Date : XX/XX/XXXX Reported Balance : $ {$2100.00}. Abolishment of the U.S. Department of Education The originating agency for these loans no longer exists, making these debts legally unenforceable. Inability to Verify Debt Per the Fair Credit Reporting Act ( FCRA 1681i ), you must verify the accuracy of these accounts. Since the Department of Education is defunct, verification is impossible. No Valid Current Creditor Nelnet services these loans on behalf of the DOE, which no longer exists. There is no legal authority to collect or report this debt. Requested Action : Immediate deletion of these accounts from my credit report. Written confirmation of the removal. Notify all credit bureaus if these accounts were furnished to them. If you fail to verify these accounts within 30 days ( as required by the FCRA ), they must be removed. 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 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: CL Holdings LLC
State: IL

Complaint narrative:
I recently became aware of an account opened in my name without my knowledge or authorization. 

I contacted the company to request verification of the original documents and information used to open this account. However, they were unable to provide these details. This lack of documentation raises serious concerns and further supports my claim of identity theft. 

I request that this matter be investigated thoroughly and that any accounts or activity linked to this identity theft be suspended or removed from my records.

Company response to consumer: Closed with explanation