vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 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: MS

Complaint narrative:
I am writing to formally dispute and report unauthorized accounts that have appeared on my Equifax credit report. I did not open these accounts, nor did I authorize anyone to do so on my behalf. These entries are fraudulent and are negatively affecting my credit standing. I request that Equifax immediately investigate these accounts, remove any inaccurate information, and take the necessary steps to ensure my credit file reflects only accounts that I have personally opened and authorized. 

A dispute letter and Identity theft report was sent to Equifax in XX/XX/year> and again in XX/XX/year>. The accounts have not been removed, investigated, or properly resolved with documentation. 

Equifax is the only credit bureau that is reporting these accounts to my credit report. They also have reported my information as " consumer deceased '' which is false information and has negatively affected my report as well as prevented me from applying for loans or any other accounts/funding.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: NY

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) listed on my credit report. As per FCRA and FDCPA regulations, you are required to provide proof of debt validation within 30 days or remove the account 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 2025-05-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: MN

Complaint narrative:
To whom it may concern, I am writing to formally submit a complaint regarding the mishandling of my student loan payment records, which is directly impacting my ability to qualify for the Public Service Loan Forgiveness ( PSLF ) program. 

Over the course of repaying my student loans, my accounts have been transferred between multiple servicers. As a result, there appears to be no centralized, accurate record of my complete payment history. I am currently with EdFinancial Services, and for the past year, I have received inconsistent and conflicting information every time I have contacted them. 

I am a XXXX XXXX XXXX and a PSLF-eligible borrower. According to my own records, I should have reached loan forgiveness eligibility by XX/XX/XXXX. However, due to payment misreporting and missing payment countspresumably lost during the transition between servicersmy PSLF qualifying payments are not being accurately reflected. 

Since XX/XX/XXXX, I have made multiple attempts to resolve this : On XX/XX/XXXX, I submitted a formal request to EdFinancial for a complete payment history. I was told it would be processed on an emergency basis and that I would receive the records that day or the next. 

After receiving nothing, I called back on XX/XX/XXXX and was then told it would take 10 business days. 

On XX/XX/XXXX, I was told it would take 14 days. 

On XX/XX/XXXX, I was informed by a representative named XXXX that it could actually take 30 to 60 days. He confirmed my previous requests and noted that the 10- and 14-day estimates were recorded in the system. 

Due to the repeated misinformation, I asked to speak with a supervisor and was transferred to XXXX ( ID XXXX ). She informed me that the request was with a " back office, '' but could not tell me who specifically was handling it or how I might contact them. When I tried to ask follow-up questions, she frequently interrupted and talked over me. I requested to escalate the matter, and she stated that someone would call me back within 24 to 48 hours. As of today I still have not received any follow-up or the payment history I requested. 

Ive also been advised by EdFinancial to contact my previous servicers, who have all stated that they no longer have access to my records and that all information should have been transferred to EdFinancial. Meanwhile, XXXX refers me back to EdFinancial for this data. 

At this point, I am deeply frustrated and concerned. I have made consistent payments on my loans while working in public service, and yet there is no accountability for my payment tracking. I am stuck in a loop between servicers and government agencies, and this lack of transparency and coordination is obstructing my right to PSLF.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: WI

Complaint narrative:
I'm confused on to how a company can allow a XXXX women who can call a child the XXXX word and raise over a half a XXXX. Can you please send me the policy and guidelines for such behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-14 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: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: TX

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX # XXXXXXXX XXXX XXXX  - Date Opened XX/XX/XXXX - {$1100.00} Account Name : XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX TransUnion

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 2025-05-14 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: PA

Complaint narrative:
This is a follow-up complaint regarding the inaccurate reporting of a late payment from XXXX  - Account Number : XXXXXXXX XXXX XXXX  - Reporting Past Due : {$0.00} * * on my XXXX Experian, and XXXX credit reports. Despite my previous disputes, this account continues to reflect a past due amount of XXXX dollars across all three bureaus, which is both misleading and potentially damaging to my overall credit profile. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 15 U.S.C. 1681n ), each of these credit bureaus is legally obligated to ensure maximum possible accuracy in the information they report, including accurately reflecting account statuses and payment histories. 

The continued presence of this inaccurate late payment, despite the account clearly reflecting a zero-dollar past due balance, raises serious concerns about the quality of the investigations conducted by these bureaus. Given the identical nature of this error across all three reports, it is evident that these inaccuracies are likely the result of poor verification processes or inadequate communication with the original creditor, XXXX. This not only undermines the credibility of my credit reports but also exposes me to potential financial harm, including unjustified credit score reductions and unfavorable lending decisions.

Additionally, recent findings by the Consumer Financial Protection Bureau ( CFPB ) have highlighted significant concerns regarding XXXX XXXX failure to conduct proper investigations. Specifically, in a lawsuit filed against XXXX  the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. As per 15 U.S.C. 16811 ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. This lack of proper oversight significantly increases the likelihood that this late payment entry has not been appropriately validated, further compromising the accuracy of my credit history.

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 2025-05-14 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: IL

Complaint narrative:
I would like to file a complaint against Equifax, and experian due to the stalling tactics I've filed multiple disputes against the account such as " XXXX XXXX XXXX '' where Equifax is reporting this negative item without my permission. I was told the account was verified, and is accurate. I am requesting the validation method that was used the documents you'll have on file to confirm this account is 100 % accurate, who did you interview with? what did they say? what time did you speak? what date? I would like these documents to be sent to me within 15 days to avoid more stalling tactics I will attach two pieces of identity documents for identity purposes. Equifax, and Experian being sued currently isn't stopping them from continuing their violations such as not properly investigating disputes, accounts, reinserting accounts without notifying consumers within 5 days of the reinsertion, etc. I would like a proper investigation, and I am requesting the documents with the information I listed above within 15 days. according to the FCRA section 605 B It is illegal to report anything on my credit report without my permission please remove this negative item. 

Equifax response to my previous account was to please be specific list the account names, and the nature of the dispute when I listed the account name and the nature of this disputed. This account has many inaccuracies such as payment history, account type, closing date, and also this is alleged debt I am not responsible for this debt. again the account name is " XXXXXXXX XXXX XXXX XXXX 

thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: KY

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. Accounts in Question : XXXX  XXXX number:XXXX XXXX XXXX XXXX  XXXX This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. 15 USC 1681c-2 ( a ) : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately. 2. 15 USC 1681i : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach. 3. 15 USC 1681e ( b ) : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies. 4. 15 USC 1681g ( a ) : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach. 5. 15 USC 1681m : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately. 6. 15 USC 1681n : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests. Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts. Additionally, I would appreciate an update on any measures you are implementing to protect my personal information. Thank you for your prompt attention to this matter. I look forward to your immediate response in 4 days!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
I made a payment on XXXX XX/XX/year> of {$20000.00} which was supposed to be applied towards my principal. However, they took out mortgage payments of two months out of that principal payment whereas I am set up for biweekly payments. I called them and they took out those mortgage payments but still my principal balance has not reduced effective XXXX XX/XX/year>. They are charging me interest on full outstanding loan amount without taking out these {$20000.00}. Instead, they are showing multiple debit and credit entries which is so confusing. I feel cheated with this company. This amounts to 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 non-monetary relief
Consumer complaint received 2025-05-14 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 was a victim of identity theft and even after filing a police report and a complaint with FTC, I STILL have these items on or returning on my credit report. 

This is ruing my ability to rent or finance anything. I have DOZENS of other accounts for YEARS with stellar payment history and I refuse to pay for anything that isn't mine. 

Please help me with this. It's been a credit nightmare. 

Please note that I actually have several accounts with XXXX that are in good standing ; the one that isn't IS NOT MINE! I even have a screenshot of the email that affirm sent me over a year ago confirming that they removed the account because they investigated and CONFIRMED it wasn't mine. Now it's back on my credit reports!!

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 2025-05-14 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX  sold my old debit to a company call XXXX. This debit was settled back in XXXX. The company notified me about XXXX  months ago with a Subpoena to appear in court like XXXX business days prior of receiving the subpoena. I reached out to the because I was scared or garnishment and jail, therefore I arranged a payment plan with them. Can you please assist me with this matter?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: IL

Complaint narrative:
Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
Addresses XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX Accounts Auto loans : XXXX  XXXX Opened XX/XX/XXXX XXXX # XXXX  Opened XX/XX/XXXXXXXX XXXX  Opened XX/XX/XXXX XXXX Opened XX/XX/XXXX XXXX Opened XX/XX/XXXX XXXX Opened XX/XX/XXXX Student loans XXXX  Opened XX/XX/XXXX XXXX Inquires XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX 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