vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-31 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: TX

Complaint narrative:
My name is XXXX XXXX. My date of birth is XX/XX/scrub>XXXX my social security number is XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 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 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 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 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. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # XXXX as proof from the US Federal Trade Commission that all of 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 2025-05-31 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:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per XXXX XXXX. XXXX, your continued reporting without proper verification is willful noncompliance. 

I demand proof of delivery of the initial dunning letter within XXXX days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting. 

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law. 

This account is still within the federal debt validation window, per XXXX. Failure to comply will result in further action to seek justice for the harm caused.

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 2025-05-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2024 capital one bank did a hard enquire that I didn't authorized and aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. Several accounts have been fraudulently opened and are being reported on my credit report without my authorization. While I was traveling, I lost my laptop, phone, wallet, and all my identity documents which led to unauthorized individuals gaining access to my personal information and opening these accounts in my name XXXX XXXX XXXX XXXX Pinnacle Bank XXXX I have notified all relevant companies that these accounts are fraudulent and not mine. Despite this, they have refused to remove the unauthorized accounts from their records and continue to pursue collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OK

Complaint narrative:
I emailed them to cease and desist all communication with me by email calls and mail and I got this in the mail today it was a letter showing the bill from the credit card company. I ask for this over a week ago I email the cease and desist but they didnt adhere to my request so they violated my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LAKEVIEW LOAN SERVICING, LLC
State: VI

Complaint narrative:
Existing dispute on account status. Previous mortgage provider lost/did not transfer payment for XX/XX/year> to new mortgage provider. New mortgage provider reports account XXXX  days delinquent. Delinquent notice placed in violation of XXXX cfr part XXXX ( regulation z ).

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 2025-05-31 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: LA

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding the inaccurate credit reporting of my federal student loans currently being serviced by XXXX. The accounts listed below have been in forbearance or deferment during the periods in question, yet are being reported with late payments or delinquency, which is false and damaging to my credit profile.

Under the Fair Credit Reporting Act ( FCRA ) 605B, 611, and 623, as well as 15 U.S.C. 1681a and 1692, and protections afforded under the Higher Education Act ( HEA ) and FERPA, furnishers and credit bureaus are required to ensure the accuracy and integrity of the information they report. Reporting a late payment during an authorized non-payment period ( such as deferment or forbearance ) is a clear violation of these statutes.

I have submitted multiple disputes and documentation to the credit bureaus, and I am requesting immediate correction or deletion of the following accounts : DEPT OF ED Account XXXX XXXXXXXX ( opened XX/XX/XXXX, balance : {$3700.00} ) DEPT OF ED Account XXXX XXXXXXXX ( opened XX/XX/XXXX, balance : {$2400.00} ) DEPT OF ED Account XXXX XXXX ( opened XX/XX/XXXX, balance : {$1900.00} ) DEPT OF ED Account XXXX XXXXXXXX ( opened XX/XX/XXXX, balance : {$3700.00} ) DEPT OF ED Account XXXX XXXXXXXX ( opened XX/XX/XXXX, balance : {$3800.00} ) DEPT OF ED Account XXXX XXXXXXXX ( opened XX/XX/XXXX, balance : {$2000.00} ) DEPT OF ED Account XXXX XXXXXXXX ( opened XX/XX/XXXX, balance : {$3300.00} ) DEPT OF ED Account XXXX XXXX ( opened XX/XX/XXXX, balance : {$2300.00} ) DEPT OF ED Account XXXX XXXXXXXX ( opened XX/XX/XXXX, balance : {$6800.00} ) Additionally, XXXX has faced multiple lawsuits and investigations, including for mismanagement of forbearance periods and improper reporting of student loan data. Their practices have already drawn legal attention for violations of federal law including for pushing borrowers into forbearance without explaining other options, and for misleading reporting.

I request : 1. A reinvestigation and correction of all inaccurate late payments 2. Deletion of any unverifiable, incorrect, or unvalidated tradelines 3. Full compliance with FCRA, FERPA, and HEA statutes These false reports have had a negative impact on my creditworthiness, and I demand swift resolution. Please confirm receipt and provide updates on action taken.

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 2025-05-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding the inaccurate credit reporting of my federal student loans currently being serviced by XXXX. The accounts listed below have been in forbearance or deferment during the periods in question, yet are being reported with late payments or delinquency, which is false and damaging to my credit profile.

Under the Fair Credit Reporting Act ( FCRA ) 605B, 611, and 623, as well as 15 U.S.C. 1681a and 1692, and protections afforded under the Higher Education Act ( HEA ) and FERPA, furnishers and credit bureaus are required to ensure the accuracy and integrity of the information they report. Reporting a late payment during an authorized non-payment period ( such as deferment or forbearance ) is a clear violation of these statutes.

I have submitted multiple disputes and documentation to the credit bureaus, and I am requesting immediate correction or deletion of the following accounts : DEPT OF ED Account XXXX XXXXXXXX ( opened XX/XX/XXXX, balance : {$3700.00} ) DEPT OF ED Account XXXX XXXXXXXX ( opened XX/XX/XXXX, balance : {$2400.00} ) DEPT OF ED Account XXXX XXXX ( opened XX/XX/XXXX, balance : {$1900.00} ) DEPT OF ED Account XXXX XXXXXXXX ( opened XX/XX/XXXX, balance : {$3700.00} ) DEPT OF ED Account XXXX XXXXXXXX ( opened XX/XX/XXXX, balance : {$3800.00} ) DEPT OF ED Account XXXX XXXXXXXX ( opened XX/XX/XXXX, balance : {$2000.00} ) DEPT OF ED Account XXXX XXXXXXXX ( opened XX/XX/XXXX, balance : {$3300.00} ) DEPT OF ED Account XXXX XXXX ( opened XX/XX/XXXX, balance : {$2300.00} ) DEPT OF ED Account XXXX XXXXXXXX ( opened XX/XX/XXXX, balance : {$6800.00} ) Additionally, XXXX has faced multiple lawsuits and investigations, including for mismanagement of forbearance periods and improper reporting of student loan data. Their practices have already drawn legal attention for violations of federal law including for pushing borrowers into forbearance without explaining other options, and for misleading reporting.

I request : 1. A reinvestigation and correction of all inaccurate late payments 2. Deletion of any unverifiable, incorrect, or unvalidated tradelines 3. Full compliance with FCRA, FERPA, and HEA statutes These false reports have had a negative impact on my creditworthiness, and I demand swift resolution. Please confirm receipt and provide updates on action taken.

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 2025-05-31 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: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
To who it may concern my rights have been violated due to consumer law 15 USC 1681 15, USC 1691 I have to make the identity report for the last three years since my information got stolen. The three credit bureaus continue to allow Santander XXXX, USA and 10 more inquiries from other companies to report on my credit report. I sent several season six letters on this matter I have a FTC report for the third time I made a CFPB complaint and that these companies act like they cant find my information so Im asking under the fair credit report act I am tired of my rights being violated they had to ring me from XXXX dollars in business funding these companies shouldnt be reporting on my credit report when I said the letters they dont even know who I am. No one has a valid ID on who I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: CL Holdings LLC
State: OH

Complaint narrative:
I am disputing an account reported by Jefferson Capital Systems for {$4200.00}, originally from XXXX. I do not recall ever opening this account, and no signed contract or itemized statement has been provided to validate this debt. The account shows a status opened in XX/XX/XXXX and marked as past due as of XX/XX/XXXX, but I was never contacted about this account prior to seeing it on my credit report. 

I previously disputed this with the credit bureaus, but the item remains. I am formally requesting a full investigation. I request all documentation used to verify this account, including the original agreement, complete payment history, and proof of the debts validity. If the creditor can not verify the account per FCRA standards, it must be removed immediately from all consumer credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: GA

Complaint narrative:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting. 

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law. 

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

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 2025-05-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt. I called XXXX throughout the month of XXXX & they gave me forbearance to my account and canceled out the missed payments from 2025. I havent worked up until XXXX of 2025 so I could not repay my loan and it dropped my credit score tremendously. I need to reverse that immediately.

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 2025-05-31 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: NC

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my XXXX  loan debt. I called XXXX throughout the month of XXXX & they gave me forbearance to my account and canceled out the missed payments from 2025. I havent worked up until XXXX of 2025 so I could not repay my loan and it dropped my credit score tremendously. I need to reverse that immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SOFI TECHNOLOGIES, INC.
State: SC

Complaint narrative:
The same negative Information included on history due to corona virus impact is repeated over and over. The number of incidents artificially high.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against TRUEACCORD regarding an account I have with them XXXX XXXX XXXX XXXX XXXX I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : TRUEACCORD C XXXX XXXX XXXX XXXX XXXX  Balance : {$300.00} ; TRUEACCORD C XXXX XXXX XXXX XXXX XXXX Balance : {$480.00} ; TRUEACCORD C XXXX XXXX XXXX XXXX XXXX Balance : : {$480.00}. I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with TRUEACCORD but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: GA

Complaint narrative:
Request for Verification Information per 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) This letter is a formal dispute regarding the accuracy and completeness of information on my credit report. I previously disputed the following accounts, and they have since been reported as " verified '' on my credit file.

Under my rights provided by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I am demanding the following specific information for each of the accounts listed below : * A detailed description of the procedure used to determine the accuracy and completeness of the disputed information. I need to understand exactly what steps were taken to verify these accounts. 
XXXX  The business name and address of any furnisher of information that was contacted in connection with the investigation of this information. 
XXXX A copy of the original contract bearing my signature for each account listed below. 
Here are the accounts for which I am demanding this specific verification information : 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 I expect a thorough response providing the requested details for each account as mandated by federal law. If you fail to provide this information, or if you can not verify these items as accurate and complete within the legally mandated timeframe, I demand that these accounts be immediately removed from my credit file. 
Be advised that if a satisfactory resolution is not reached within the specified timeframe, I will pursue all available legal methods to ensure compliance with the Fair Credit Reporting Act. 
Thank you for your prompt attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
My Experian " credit report '' contains an incorrect address under " Personal information '' and distorts/lowers the credit score by using a faulty algorithm to calculate " credit usage ''. It also promotes " locking '' your account, for a fee, likely confusing the owner of the account with the " freeze '', which is legal and a free option.

1 ) I attempted to remove false address information from my Experian Credit Report. I removed the identical false information from XXXX and XXXX  very easily. However, Experian 's bot said they would do nothing unless I contacted a company called XXXX XXXX about this issue. I contacted XXXX XXXX and they corrected the address, and although this could be part of an identify fraud scheme, Experian continues to refuse to remove the false data on their credit report.. 


2 ) Experian says " '' credit usage '' is a significant factor in determining the credit score. It defines " credit usage '' as " Your credit usage is the amount of revolving credit you're currently using divided by the total amount of revolving credit you have available. '' It lists " credit used as {$790.00} and " credit limit '' as {$2600.00}, so " credit usage '' would be 30 %. However, Experian claims " credit usage '' is 64 %, which has a negative effect on my credit score.

3 ) Experian prevents quick resolution of disputes by preventing the user from communicating with a live person, and restricting contact to programmed bots, thus making it more likely the other two credit reporting agencies will copy the same false data again, necessitating more time and duplication of effort to repeatedly recorrect such false data.

Company response to consumer: Closed with explanation