vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 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:
XXXX XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX - XXXX XXXX  XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX  XXXX XXXX  XXXX CAP 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  - Incorrect Personal XXXX XXXX - Incorrect Personal XXXX 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 XXXX Incorrect Personal XXXX XXXX Incorrect Personal XXXX XXXX XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: The J. G. Wentworth Company
State: TX

Complaint narrative:
In XXXX XXXX I reached out to XXXX about helping with a debt forgiveness program. They made guarantees that they would work on my behalf to help settle my debt. After XXXX XXXX XXXX XXXX XXXX they have collected over $ XXXX from me, and have not made any attempts to settle XXXX of the XXXX of my accounts. After several correspondence regarding creditors, settlement offers, and collections notices, they still have not acted on the XXXX outstanding accounts. When I asked for a progress report showing how much of my money has gone to fees as opposed to settlements, when these creditors were contacted, and what was discussed I was given no answer. To date I am unable to get any updates on the accounts that have been sent to collections and my credit has suffered incredibly. Then, in a predatory move, they tried to offer me a loan for all of the debt that I had remaining, only to reject me for the loan because they didn't recognize XXXX of the creditors which has been listed on my account since the beginning. At this point I am convinced that I'm going to be paying them forever because they're never going to act on settling any of my debt. Now I'm stuck in some contract where they are taking over {$600.00} a month out of my account, and they are not providing me with any updates. Prior to their loan offer on XX/XX/XXXX, I had not been contacted by anyone at JG Wentworth since XX/XX/XXXX. They have shown my account no attention, when I requested assistance, I was told that they don't know how to handle internal and external emails, and again was left without a response. I can no longer get in touch with the account rep who set me up, all of his emails come back as undeliverable. I have records of documents uploaded showing creditors ready to settle and being ignored. I had a settlement offer from a creditor which I received on XX/XX/XXXX, the offer was only available until XX/XX/XXXX, as of XX/XX/XXXX, no one at JG Wentworth claims to be aware of this settlement offer. The document was uploaded on XX/XX/XXXX, this tells me that they are unfortunately not paying any attention to my account and are just using me to fill their pockets.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Personal information incorrect
Company: SECURITY FINANCE CORP
State: TX

Complaint narrative:
I'm filing a complaint because my creditor is reporting late payments on my account that are inaccurate and not properly verified. I have disputed this directly with the credit bureaus. I have disputed this with the furnisher but the late payments remain without proper validation or documentation. Under 15 USC 1681. XXXX  furnishers must report accurate information under 1581 USC 1681 I. the credit bureaus must preform a reasonable investigation within XXXX  days. Neither of them have provided sufficient evidence to support the negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: WA

Complaint narrative:
Subject : Formal Complaint Regarding Mishandling of Student Loan Forbearance Application and Resulting Credit Damage Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding a serious issue with my student loan servicer that has caused unjust damage to my credit report. 

I attempted to apply for a forbearance on my student loans through my servicers official website before the delinquency charges began. Unfortunately, their system experienced a crash every time I went to use it during the application period, rendering online submission impossible for long periods of time. As a result, I was instructed to mail in my forbearance request manually. XXXX said this was potentially my fault for having computer issues, but I do not believe this is the case. As a result, I sent a physical letter by mail, which took much longer to arrive and put me in a delinquency state on my account. I was accepted for forbearance and have been in good standing since the payments were due last year. I had to take some time to figure out how to pay this and learned my XXXX XXXX is going to take full responsibility, there is record of him calling to confirm this with XXXX. I have proof of payment for next month. I have proof of payment from previous student loans for XXXX XXXX XXXX as well. All documents I have attached. 

Despite doing so promptly, the mailed application was processed after the delinquency window had passed. Consequently, my loan was reported as delinquent, resulting in a devastating XXXXpoint drop in my credit score. This drop was not due to negligence on my part, but rather due to a technical failure on the servicers enda situation completely outside of my control. 
I have retained documentation to substantiate my timeline and actions, including : Photos of the website error, taken after weeks of not being able to submit, before I sent a physical letter A copy of the e-mailed forbearance application acceptance Confirmation of monthly payments moving forward for XXXX Previous loan payments I am requesting a full investigation into this matter and for assistance in having the negative mark removed from my credit report, given the extraordinary circumstances and documented good faith on my part. 
Thank you for your attention to this matter. I am happy to provide any further documentation you require. 

Thank you sincerely for your time, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: WA

Complaint narrative:
Subject : Formal Complaint Regarding Mishandling of Student Loan Forbearance Application and Resulting Credit Damage Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding a serious issue with my student loan servicer that has caused unjust damage to my credit report. 

I attempted to apply for a forbearance on my student loans through my servicers official website before the delinquency charges began. Unfortunately, their system experienced a crash every time I went to use it during the application period, rendering online submission impossible for long periods of time. As a result, I was instructed to mail in my forbearance request manually. XXXX said this was potentially my fault for having computer issues, but I do not believe this is the case. As a result, I sent a physical letter by mail, which took much longer to arrive and put me in a delinquency state on my account. I was accepted for forbearance and have been in good standing since the payments were due last year. I had to take some time to figure out how to pay this and learned my estranged father is going to take full responsibility, there is record of him calling to confirm this with XXXX. I have proof of payment for next month. I have proof of payment from previous student loans for XXXX XXXX XXXX as well. All documents I have attached. 

Despite doing so promptly, the mailed application was processed after the delinquency window had passed. Consequently, my loan was reported as delinquent, resulting in a devastating XXXXpoint drop in my credit score. This drop was not due to negligence on my part, but rather due to a technical failure on the servicers enda situation completely outside of my control. 
I have retained documentation to substantiate my timeline and actions, including : Photos of the website error, taken after weeks of not being able to submit, before I sent a physical letter A copy of the e-mailed forbearance application acceptance Confirmation of monthly payments moving forward for XXXX Previous loan payments I am requesting a full investigation into this matter and for assistance in having the negative mark removed from my credit report, given the extraordinary circumstances and documented good faith on my part. 
Thank you for your attention to this matter. I am happy to provide any further documentation you require. 

Thank you sincerely for your time, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX  XXXX XXXX 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 2025-05-30 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: WA

Complaint narrative:
Subject : Formal Complaint Regarding Mishandling of Student Loan Forbearance Application and Resulting Credit Damage Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding a serious issue with my student loan servicer that has caused unjust damage to my credit report. 

I attempted to apply for a forbearance on my student loans through my servicers official website before the delinquency charges began. Unfortunately, their system experienced a crash every time I went to use it during the application period, rendering online submission impossible for long periods of time. As a result, I was instructed to mail in my forbearance request manually. XXXX said this was potentially my fault for having computer issues, but I do not believe this is the case. As a result, I sent a physical letter by mail, which took much longer to arrive and put me in a delinquency state on my account. I was accepted for forbearance and have been in good standing since the payments were due last year. I had to take some time to figure out how to pay this and learned my estranged father is going to take full responsibility, there is record of him calling to confirm this with XXXX. I have proof of payment for next month. I have proof of payment from previous student loans for XXXX XXXX XXXX as well. All documents I have attached. 

Despite doing so promptly, the mailed application was processed after the delinquency window had passed. Consequently, my loan was reported as delinquent, resulting in a devastating XXXXpoint drop in my credit score. This drop was not due to negligence on my part, but rather due to a technical failure on the servicers enda situation completely outside of my control. 
I have retained documentation to substantiate my timeline and actions, including : Photos of the website error, taken after weeks of not being able to submit, before I sent a physical letter A copy of the e-mailed forbearance application acceptance Confirmation of monthly payments moving forward for XXXX Previous loan payments I am requesting a full investigation into this matter and for assistance in having the negative mark removed from my credit report, given the extraordinary circumstances and documented good faith on my part. 
Thank you for your attention to this matter. I am happy to provide any further documentation you require. 

Thank you sincerely for your time, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX  XXXX XXXX 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 2025-05-30 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:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within XXXX ( XXXX ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : 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  Balance : {$400.00} Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. 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 2025-05-30 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: VA

Complaint narrative:
I recently suffered a data breach, and as a result, fraudulent accounts have been reported under my name. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  VA XXXX Please delete and block the following accounts from my credit report 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 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 XXXX XXXX XXXX XXXX XXXX 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 2025-05-30 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I recently suffered a data breach, and as a result, fraudulent accounts have been reported under my name. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  VA XXXX Please delete and block the following accounts from my credit report 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OM Financial, LLC
State: MN

Complaint narrative:
I paid off this loan on XX/XX/XXXX and then was charged again on XX/XX/XXXX which resulted in a positive balance of {$45.00}. I then was charged again on XX/XX/XXXX and had a positive balance of {$110.00} and received a refund that day. Then on XX/XX/XXXX I was charged {$19.00} and had a balance of {$110.00} and charged today ( XX/XX/year> ) in the amount of {$70.00} with a balance of {$56.00}. I received no communication that they were charging me for this amount or why after the loan had been paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: NY

Complaint narrative:
Because of a recent data breach, my credit report has been corrupted by unauthorized accounts. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I request immediate blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please delete and block the following accounts from my credit report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 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 explanation
Consumer complaint received 2025-05-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Because of a recent data breach, my credit report has been corrupted by unauthorized accounts. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I request immediate blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please delete and block the following accounts from my credit report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am requesting deletion of fraudulent accounts that appeared due to a breach of my personal data. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  XXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$5700.00} XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$780.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$630.00} Inquiries XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: Suncoast Financial Group, LLC
State: SC

Complaint narrative:
On XX/XX/year>2025, Suncoast Financial Group un-lawfully obtained my credit report as well as my wifes without our written or verbal consent. Furthermore, not only did Suncoast do this, they also tried to run our debit card- that is saved on file- not as an auto pay or auto draft without our written or verbal consent on XX/XX/scrub>/2025 as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation