vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are multiple inaccuracies on my credit report that must be removed without delay. Some contain incorrect details that do not match my records, others are entirely unfamiliar, and several have been reported without proper verification. These discrepancies violate the FCRA, which requires all information to be 100 % accurate and backed by legitimate documentation. 

To resolve this matter fairly, I demand that all inaccurate items be permanently removed from my credit report. If the reporting entities can not provide legitimate proof confirming their accuracy, they have no legal right to remain on my file. I expect immediate corrective action to restore the integrity of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: MA

Complaint narrative:
I was alarmed that there are inaccurate late payment remarks on 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 explanation
Consumer complaint received 2025-03-26 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA # 605B ( 15 U.S.C. # 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of Identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent. inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX. The aforementioned account appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. This account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that this aforementioned consumer credit account is the result of identity theft and 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 2025-03-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: FL

Complaint narrative:
Dear CFPB, I am submitting this complaint regarding EdFinancial 's misrepresentation and mishandling of my student loan, which has resulted in financial hardship and damage to my credit. 

Key Issues : Misrepresentation of Refund Impact on Loan Forgiveness : In XX/XX/XXXX, EdFinancial explicitly told me I could request a refund of payments made during the COVID-19 forbearance period without affecting my eligibility for student loan forgiveness.

Relying on this, I requested and received a refund of {$14000.00} in XX/XX/XXXX. 

I had already fully paid off my loan in XXXX, believing my financial obligations were settled. 

I was never informed that accepting the refund would reinstate my loan balance or accrue additional interest.

Unfair and Deceptive Practices : Despite being assured my loan forgiveness eligibility was unaffected, my balance was reinstated, now totaling {$15000.00} with added interest.

Had I been properly informed of the consequences, I would not have proceeded with the refund.

Mishandling and Lack of Transparency : EdFinancial claimed my loan records from XXXX were lost due to a server overhaul. 

For years, I sought clarification but was ignored. Only after I escalated my complaint to CFPB and provided bank records did EdFinancial acknowledge the issue that lead to an unsatisfactory result.

Financial & Credit Damage : The reinstated balance and
accumulated interest have caused a significant financial burden and negatively impacted my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: NJ

Complaint narrative:
I just reviewed my credit report and noticed some inquiries I dont recognize. Im really anxious because I believe Ive been a victim of fraud. This whole situation has been incredibly stressful, and its preventing me from accessing the credit I urgently need. 
Im truly overwhelmed and dont know what else to do. Please, I sincerely ask for your help in getting these fraudulent inquiries removed. Any assistance you can provide would mean so much to me. XX/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 2025-03-26 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: NJ

Complaint narrative:
I just reviewed my credit report and noticed some inquiries I dont recognize. Im really anxious because I believe Ive been a victim of fraud. This whole situation has been incredibly stressful, and its preventing me from accessing the credit I urgently need. 
Im truly overwhelmed and dont know what else to do. Please, I sincerely ask for your help in getting these fraudulent inquiries removed. Any assistance you can provide would mean so much to me. XX/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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I am demanding the immediate removal of the unauthorized transactions and inaccurate information appearing on my credit report. These errors are a direct result of a data breach that compromised my personal and financial informationa situation entirely outside of my control. Despite my efforts to rectify these issues, I continue to suffer the consequences of reporting failures that should have been addressed long ago. 

The fact that these inaccurate and unauthorized entries remain on my report, despite clear indications that my personal data was compromised, is completely unacceptable. This reckless mishandling of my information is damaging my creditworthiness, jeopardizing my financial stability, and blocking me from important opportunities. I will not tolerate this negligence any longer. 

I demand that you immediately investigate and permanently remove these erroneous entries. Any delay, inaction, or refusal to comply will be treated as a blatant violation of my consumer rights, and I will pursue all legal avenues available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable laws to hold your company accountable.

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 2025-03-26 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 dispute the inaccurate and fraudulent charge-off and collection accounts that have been wrongfully reported on my credit file. These accounts have no verifiable connection to me, and after reviewing my records, I can confidently state that they do not belong to me. I demand their immediate deletion from my credit report. The inaccurate accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, the law requires that all information included on my credit report be 100 % accurate, verifiable, and timely. If an account can not be properly verified, it must be deleted immediately from my report. Additionally, 15 U.S.C. 1692e of the Fair Debt Collection Practices Act ( FDCPA ) prohibits debt collectors from using any deceptive or misleading representations in their attempts to collect a debt.

I find it appalling that despite previous attempts to dispute these accounts, your office has failed to provide proper verification. Instead, I was met with vague responses, stalling tactics, and unnecessary delays. Originally, I was informed that I would receive a response within 30 days, yet 65 days have passed, and all I have received is a generic letter dismissing my concerns. Is this a deliberate effort to prolong the process and avoid compliance with the law? Additionally, given Equifaxs history of data breaches compromising consumer information, I have reason to believe that my personal data may have been mishandled or accessed without my authorization, further calling into question the legitimacy of these reported accounts.

These inaccuracies have caused me significant stress and financial harm. Due to these wrongful entries, I have been denied credit opportunities, forced to pay higher interest rates, and subjected to unnecessary hardship. This is not just a clerical errorit is a violation of my consumer rights.

I demand that these accounts be deleted immediately as they can not be verified. If this matter is not resolved within the legally required timeframe, I will be left with no choice but to take legal action against Equifax for willful noncompliance under the FCRA and FDCPA. Furthermore, I will seek monetary damages for the emotional distress, financial losses, and inconvenience this has caused me. 

I have attached proof of my identity, my detailed complaint, and my Federal Trade Commission ( XXXX  ) complaint as supporting documents. I expect a written response confirming the permanent deletion of these inaccurate accounts. Failure to act in accordance with federal laws will result in further legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FULTON FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have not been able to access my Fulton Bank account since XX/XX/year>. I have contacted the bank on several occasions and the issue is not resolved

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 2025-03-26 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: TX

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. Please review all the documents I've sent in regards to this!

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 2025-03-26 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: TN

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: PA

Complaint narrative:
I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence.

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: MI

Complaint narrative:
After multiple disputes with Chex systems they are continuing to violate my rights under the FCRA. The account named XXXXXXXX XXXX XXXX  is inaccurate XXXX  XXXX XXXX  no long exist. I never did any business with XXXX XXXX XXXX.How can I owe a company that does not exist. XXXX XXXX is the company I had an account with that went into collection because of overdraft fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I am disputing this account under code 16810, which signifies an issue with the reporting. I request that you conduct an immediate investigation and provide documentation verifying the accuracy of this account. If you can not verify its legitimacy, I expect it to be corrected or removed from my credit report promptly.

To assist in your investigation, I have attached copies of relevant documents, including my credit report highlighting the disputed account. Please provide a written response confirming the results of your investigation. 

Per the FCRA, I expect a resolution within 30 days of receiving this letter. If no action is taken, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or seek legal advice. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: CCS Financial Services, Inc.
State: IL

Complaint narrative:
I am disputing this account under code 16810, which signifies an issue with the reporting. I request that you conduct an immediate investigation and provide documentation verifying the accuracy of this account. If you can not verify its legitimacy, I expect it to be corrected or removed from my credit report promptly. 

To assist in your investigation, I have attached copies of relevant documents, including my credit report highlighting the disputed account. Please provide a written response confirming the results of your investigation. 

Per the FCRA, I expect a resolution within 30 days of receiving this letter. If no action is taken, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or seek legal advice. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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 am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-03-26 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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 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 2025-03-26 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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-26 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: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
I am filing this complaint against Goldman Sachs Bank USA for what I believe to be a clear violation of my rights under the Equal Credit Opportunity Act ( ECOA ) and the Consumer Credit Protection Act. 

On XX/XX/year>, I received a denial of credit from Goldman Sachs for an Apple Card application. The stated reasons included : Serious delinquency Number of accounts with delinquency Too many accounts with balances Lack of recent revolving account information This denial occurred while I had an open and active CFPB complaint ( ID : XXXX ) regarding inaccurate and unverifiable information on my credit report that was reported by XXXX, the same bureau Goldman Sachs used to evaluate my application. At the time, I was actively exercising my rights under the Fair Credit Reporting Act ( FCRA ) and Consumer Credit Protection Act, including initiating disputes and filing a formal complaint to correct my credit profile. 

Denying my application while that information was still in dispute and under federal review appears to be retaliatory and procedurally unjust, especially considering that I followed the law in good faith. ECOA explicitly prohibits creditors from discriminating or retaliating against applicants who exercise their legal rights in good faith. Goldman Sachs ' action is not only legally questionableit is harmful. 

The timing of the denial, the reliance on disputed data, and the failure to allow due process to conclude before making a decision raise serious red flags and warrant regulatory intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by 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 explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: AZ

Complaint narrative:
XX/XX/year> I received a call stating that they were from the company, the fraud department XXXX was taken from me ive done everything that theyve asked as well as I filed for identity theft and filed XXXX gave them everything and they denied me 4 times before this scam happened to me I had lost my wallet at XXXX and XXXX threw away my wallet thats what I was told and that when it all started to get phone calls the attachment I uploaded its the conversation what thy typed is incorrect

Company response to consumer: Closed with explanation