vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 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: NY

Complaint narrative:
I am a victim of identity theft caused by a data breach, which resulted in unauthorized accounts appearing on my credit report. These accounts do not belong to me and were opened without my consent.My identity theft is documented under FTC Identity Theft Report # XXXX. Pursuant to 15 U.S.C. 1681c-2 ( a ), the accounts listed below must be BLOCKED and REMOVED, as their continued reporting violates my consumer rights. 
Account : XXXXXXXX XXXX XXXX Account # : XXXX Account : XXXXXXXX XXXX XXXX XXXX Account # : XXXX Account : XXXX XXXX  Account # : XXXX Account : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Account # : XXXX EXPERIAN INQUIRY XXXX XXXX XXXX XXXX INCORRECT ADDRESS : XXXX XXXX XXXX, XXXX Equifax InquiryXXXX XXXXXXXX XXXX XXXXXXXX dated XX/XX/year> INCORRECT ADDRESS XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NY XXXX Transunion Inquiry XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Under 15 U.S.C. 1681c-2 ( a ), I demand that these fraudulent accounts be immediately blocked and removed from my credit report. Provide written confirmation of their removal. Continued reporting of this information will be considered a violation of the Fair Credit Reporting Act and may prompt further action.

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 2025-12-23 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: NY

Complaint narrative:
I am a victim of identity theft caused by a data breach, which resulted in unauthorized accounts appearing on my credit report. These accounts do not belong to me and were opened without my consent.My identity theft is documented under FTC Identity Theft Report # XXXX. Pursuant to 15 U.S.C. 1681c-2 ( a ), the accounts listed below must be BLOCKED and REMOVED, as their continued reporting violates my consumer rights. 
Account : XXXXXXXX XXXX XXXX Account # : XXXX Account : XXXXXXXX XXXX XXXX XXXX Account # : XXXX Account : XXXX XXXX  Account # : XXXX Account : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Account # : XXXX EXPERIAN INQUIRY XXXX XXXX XXXX XXXX INCORRECT ADDRESS : XXXX XXXX XXXX, XXXX Equifax InquiryXXXX XXXXXXXX XXXX XXXXXXXX dated XX/XX/year> INCORRECT ADDRESS XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NY XXXX Transunion Inquiry XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Under 15 U.S.C. 1681c-2 ( a ), I demand that these fraudulent accounts be immediately blocked and removed from my credit report. Provide written confirmation of their removal. Continued reporting of this information will be considered a violation of the Fair Credit Reporting Act and may prompt further action.

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 2025-12-23 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:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Army and Air Force Exchange Service
State: TX

Complaint narrative:
XXXX XXXX XXXX started garnishment of my social security XXXX around XXXX of XXXX. The amount that is garnished each month is {$250.00}. I am willing to set up a payment amount with the original creditor but AAFES said the credit has been charged off. XXXX XXXX XXXX will not work with me on a payment arrangement.

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 2025-12-23 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: CT

Complaint narrative:
I am writing to dispute the reporting of late payments and delinquent status on my account. The information being reported is inaccurate because the payments were made in accordance with the agreed terms and should not be reported as late. I request that the reported late payment and delinquency be corrected to reflect Paid as Agreed and that all delinquency remarks be removed as part of your investigation under the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: GA

Complaint narrative:
These inquiries appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

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 2025-12-23 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: GA

Complaint narrative:
These inquiries appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

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 2025-12-23 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 am a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: TX

Complaint narrative:
XXXX XXXX is furnishing inaccurate and contradictory information to consumer reporting agencies in violation of the Fair Credit Reporting Act. 

The account is reported with inconsistent account types, an impossible installment structure, improper collection designation without identifying a collector, and invalid past-due reporting on a closed account. 

Despite disputes, the inaccurate data remains unchanged, indicating failure to conduct a reasonable investigation as required under 15 U.S.C. 1681s-2 ( b ). 

I am requesting immediate deletion of this account and correction of all inaccurate reporting.

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 2025-12-23 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 formally disputing the auto repossession account reported on my consumer credit report under Account XXXX. XXXX ( XXXX XXXX ). This account is inaccurate, incomplete, and potentially misleading. The information reported may include, but is not limited to, incorrect dates, balances, status, or details surrounding the alleged repossession.

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am exercising my right to dispute the accuracy of this information and request that you conduct a full and reasonable investigation. Under the FCRA, any information that can not be verified as complete and accurate must be corrected or deleted promptly.

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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: MI

Complaint narrative:
I am filing this complaint regarding inaccurate and misleading credit reporting in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

A credit card account on my XXXX  consumer report is being reported as OPEN, while the same account is reported as CLOSED on XXXX. Reporting conflicting account status across consumer reporting agencies is materially inaccurate and misleading. 

Additionally, this account reflects post-closure delinquency, including XXXX  days late and XXXX days late, and a last payment date after closure, along with an inflated balance exceeding the credit limit. This reporting falsely implies ongoing account activity and delinquency. 



Why is this a problem? 

This reporting violates the Fair Credit Reporting Act, including but not limited to : 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy 15 U.S.C. 1681c ( a ) Improper and misleading reporting after account closure An account can not be reported as open on one bureau and closed on another without violating accuracy requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: SC

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding Edfinancial Services handling of my federal student loans and XXXX XXXX XXXX XXXX ( XXXX ) payment counts. 

From XX/XX/XXXX through XX/XX/XXXX, I made monthly student loan payments exceeding {$2700.00} while continuously employed full-time by a qualifying public service employer. During this period, I repeatedly contacted my loan servicer, Edfinancial, to confirm that my loans were not in forbearance and that my payments would count toward XXXX. In XX/XX/XXXX, Edfinancial confirmed in writing that no forbearance was present and that any administrative processing would not affect my XXXX status. I relied on these representations when continuing to make substantial monthly payments. 

Despite this, Federal Student Aid later removed XXXX credit for these months, asserting that my loans were placed in administrative and SAVE-related forbearance due to system transitions, litigation, and paused XXXX processing. These forbearances were not requested by me, could not be meaningfully declined, and were imposed solely due to government and servicer action. Importantly, my payments during this period were accepted and retained by the servicer. They were not refunded, credited forward, or otherwise reallocated. 

Edfinancial has since suggested the XXXX buyback option as a remedy. This is inappropriate. Buyback is intended for borrowers who did not make payments during non-qualifying months. I already paid in full and in excess. Requiring additional payment for the same months would result in double payment caused entirely by servicer misrepresentation and administrative error. 

I am requesting CFPB review of the following issues : Servicer misrepresentation regarding loan status and XXXX eligibility Acceptance and retention of payments while later denying XXXX credit Improper handling of government-initiated forbearance during active repayment Failure to correct or reapply payments after acknowledging administrative error I am seeking correction through XXXX of the following remedies : 1. Retroactive correction or reclassification of the affected months as XXXX based on servicer error and borrower reliance ; or 2. Reapplication of payments made during non-qualifying months to satisfy future XXXX-qualifying payments without requiring additional payment. 

I am within XXXX payments of XXXX forgiveness. I acted diligently, made continuous payments, and relied on information provided by my servicer. I am seeking accurate credit for payments already made, not forgiveness without payment. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was given a letter from XXXX XXXX XXXX that they are informing me that they declined an application for a new credit card because they were unable to verify the information provided on the application. The letter was dated XX/XX/XXXX. I reached out to XXXXXXXX XXXX XXXX  and they informed me that I should call the credit bureaus to resolve the issue, because there was a hit on my credit. I checked XXXX XXXX and it showed notifications of credit inquiry XX/XX/XXXX for XXXX XXXXXXXX XXXX XXXXXXXX XXXX I spoke to XXXX XXXX and they directed me to Experian. By XX/XX/XXXX XXXX XXXX Restoration Specialist |CSID, a part of Experian called me and explained that I should contact XXXX to make sure I do not have any benefits under my name. I called them on XX/XX/XXXX and they reassured that I have nothing to worry about. Experian also suggested that I put a freeze on all 3 credit bureaus, which I did today. I was advised to make a complaint in FTC, which is what I am doing today XX/XX/XXXX. And I will file a police report sometime today. XXXX from Experian told me that they are investigating and working on reversing the credit hit I recieved from the fraudulent activity of trying to open a new credit card through XXXX under my name. They put in all my information including SS #, address and name. A while back I recieved notification from XXXX XXXX that I had a data breach ( XX/XX/XXXX ) of my SS #. And then another data breach notification : We found information on the XXXX XXXX that may belong to you. Take a closer look and get steps to help protect your identity : Email and password ( XX/XX/XXXX ). And since then I have made a 2 step verification for my emails.

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 2025-12-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I have been waiting since XXXX for Santander XXXX XXXX to issue a check related to my auto loan. 

Santander requested a invoice from company repairing the vehicle and I sent that over, I was then told they need a XXXX form, and no other document was mentioned. Once I provided the XXXX form requested now they are saying I need to send over a invoice from the insurance company. Each time I submit the requested documentation, Santander adds new requirements and still has not issued the check or provided a clear issuance date. 

Despite multiple follow-ups, I have not received the check or a firm timeline. This ongoing delay is causing financial hardship and stress. I am XXXX and can not keep going back and forth with them I need my car repaired. I am requesting that Santander issue the check immediately to company I told them is repairing my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Dispute of Inaccurate Personal Information in Credit Report I am submitting this dispute to the CFPB regarding inaccuracies in my personal information as reported in my credit report by TransUnion, Experian, Equifax Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed as [ Incorrect Name on my credit report ]. I request that my name be updated to reflect the correct information.

2. Outdated Address : My current residential address is XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, while my credit report shows an outdated address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I request that my current address be updated accordingly.

3. Incorrect Contact Information : The phone number listed on my credit report, [ Incorrect Phone Number ], is no longer in use. I request that my new phone number, [ Your Current Phone Number ], be updated as my primary contact number. 
Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my drivers license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my phone bill or any official document that displays my correct phone number. 
Request for Confirmation : I request that [ TRANSUNION, EXPERIAN, XXXX  ] investigate this matter and provide me with written confirmation once the updates have been made. Additionally, I would like to receive an updated copy of my credit report reflecting these changes.

Contact Information : If you require further information or documentation, please do not hesitate to contact me at or by email at XXXX 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 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: FL

Complaint narrative:
b'Iam XXXX XXXX , and in XXXX  for holydas trip , and i try to use my debit card of my social security funds and since XXXX XXXX my card is bloked, i contact the bank like 7 times in the last 3 days and they request copy of my ID , YesterdaXXXX XXXX XXXX i send already and up today mu card is still bloked ,-\nThey provide my a case # XXXX  and  send to XXXX email .copy of my id and card \n\nthe Bank is comerica bank , and the costumer service tel is XXXX XXXX XXXX XXXXIam requesting inmediate access to my funds, a clear explanation for hardship for the prolonged restriction , and consideration for hardship compensation due to the extended loss of access to federal benefits.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: AZ

Complaint narrative:
I found incorrect details in my personal profile, including outdated or unfamiliar names, addresses, phone numbers, and employment history. Some of this information is not associated with me, and these inaccuracies could lead to misidentification or confusion with others. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately reflects my personal information. I am requesting a full investigation and prompt correction of these errors.

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