vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 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:
I am filing a complaint against XXXX XXXX XXXX XXXX and the credit bureau for continuing to report a closed student loan account that has not been verified. 

On XX/XX/2025, I submitted a formal dispute and requested verification of the account under the Fair Credit Reporting Act ( FCRA ) 609 ( a ) ( 1 ). I specifically asked for the original signed Master Promissory Note, legal proof of authority to report the loan, and the complete account and payment history. 

No documentation was provided in response to this legal request. 

Under FCRA 611 ( a ), any disputed item that can not be verified within 30 days must be deleted. This account remains on my credit report without verified documentation and continues to negatively affect my credit. 

I am requesting that the CFPB investigate and enforce the law requiring deletion of unverifiable information.

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 2025-05-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
It begone in XX/XX/XXXX at XXXX XXXX  and every week. I get these text message from XXXX XXXX about attempt to collect a debt that I have no knowledge of. This is basically impossible for me own {$430.00} when I never opening Telecommunication account ever in my XXXX  years of living not or even a phoneline when I'm still use under my parent 's name that I have sense I was in High School. This be happening frequent ever since my identity been stolen this year.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: 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 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 Professional Debt, 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 explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I am filing a complaint regarding an inaccurate and unfair 90-day late payment reported on my student loan account by Aidvantage ( Account # XXXX | Loan # XXXX ). 

This loan was previously under COVID-19 On-Ramp Forbearance and was transferred from XXXX to Aidvantage. I was never notified that the forbearance had ended or that payment was due. Aidvantage did not send any emails, phone calls, or mailed billing statements informing me of the transition or required payment. 

According to a letter I received from Aidvantage dated XX/XX/XXXX, forbearance ended on XX/XX/XXXX, and my payment was due on XX/XX/XXXX. I only discovered the delinquency in XX/XX/XXXX when I checked my credit and saw a 90-day late payment reported. I immediately paid the full balance of {$1100.00} on XX/XX/XXXX, upon learning of the issue. 

However, Aidvantage appears to have reported me as 90 days delinquent without ever reporting a 30- or 60-day late, which may violate credit reporting standards under XXXX XXXX and the Fair Credit Reporting Act ( FCRA ). 

This derogatory mark has caused significant harm to my credit, dropping my score from XXXX to XXXX, and is now threatening my ability to obtain a mortgage at a reasonable interest rate. I have no other late payments in over a decade of credit history, and I resolved the balance as soon as I became aware.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-22 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I am disputing an account reported by Portfolio Recovery Associates for {$2100.00}. This account does not belong to me, and I have already submitted a dispute to the credit bureaus. The current remark on my credit report states : Placed for collection, dispute resolved, subscriber disagrees. 

This means the furnisher did not provide sufficient evidence to confirm the debt is mine, yet the credit bureaus chose to retain the account. I have requested verification of the debt but have not received proper documentation ( such as a signed contract, statements, or original creditor information ) proving that I am responsible for this account. 

I am requesting that Portfolio Recovery provide : Full debt validation including original creditor information Proof of my liability for the debt A full investigation under the Fair Credit Reporting Act ( FCRA ) Until they can provide that, this account should be removed from my credit report as inaccurate or unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There is a credit inquiry from XXXX on XX/XX/year> reporting on my TransUnion consumer report that was not initiated or authorized by me. I have never had any contact with this bank or given them consent to pull my credit report. This inquiry is fraudulent and needs to be removed from my credit report immediately. 

Furthermore, TransUnion is not acting in accordance with the law by furnishing this information on my credit report. The information is inaccurate. They do not have my consent to furnish this information on my credit report, nor have they ever received it. 

This is causing harm to my personal reputation and needs to be removed 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 explanation
Consumer complaint received 2025-05-22 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: GA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-22 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: CA

Complaint narrative:
I recently reviewed my credit report and found numerous fraudulent inquires, which I have NO knowledge of. These are the fraudulent inquires I have found : 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 2025-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: The Bureaus, Inc.
State: NJ

Complaint narrative:
The Bureaus has been calling, texting and sending me emails from all different # s at all different times of the day including weekends. They do not ever leave a voicemail and when I answer the call they hang up. Ive left messages when I call back for information on what theyre calling about and received no response. Today they called my husband ( who Im separated from ) and told him that I had an account in collections. This is harassment and it has to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: IL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CITIZENS FINANCIAL GROUP, INC.
State: SC

Complaint narrative:
The car was totaled. XXXX ordered a payoff from Citizens one on XX/XX/year> and sent the check on XXXX. XXXX XXXX  and myself have attempted multiple times to speak to someone at Citizens one because they are still showing a balance and threatening to report my to creditors. Each time we get told something different and or just demand for me to remit payment. Please help. I am very concerned. I only owe XXXX on this car and citizens one is refusing to speak with XXXX and will only demand payment when I call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-22 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: TX

Complaint narrative:
I am filing a formal complaint against Experian for serious violations of the Fair Credit Reporting Act ( FCRA ) and for engaging in what appears to be retaliation after I exercised my right to dispute inaccurate personal information. 

On XX/XX/XXXX, I submitted a certified dispute to Experian requesting correction of my date of birth, which was incorrectly listed as XX/XX/XXXX. I provided a government-issued ID proving my correct date of birth is XX/XX/XXXX. 

Experian responded with a letter accusing me of potentially making a " material misrepresentation '' or knowingly obtaining goods or services a defamatory and baseless accusation. Then, just XXXX day later, Experian : Corrected my DOB to XX/XX/XXXX ( proving my dispute was valid ) Added a XXXX XXXX XXXX collection to my credit file which had never been there before Falsely listed the open date as XX/XX/XXXX, which is a violation of FCRA XXXX ( c ) and a tactic known as re-aging I have an active CFPB complaint against XXXX XXXX XXXX for failure to validate this same debt. Experians sudden addition of this tradeline, timed directly after their response to my dispute, appears retaliatory, deceptive, and harmful. 

To say that I feel violated is an understatement. I have been retaliated against for choosing to exercise my rights as a consumer. It is my legal right to dispute and correct inaccurate information, and for all data reported about me to be accurate. I should not be retaliated against by the very credit reporting agency that holds all of my personal and vital information.

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 2025-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I was scammed by someone impersonating a landlord. I visited a property for rent, was sent an application and a lease, and believed I was paying for the security deposit, application fee, and rent. This person was a fraud and disappeared after I sent the money. My bank denied my claims due to me authorizing the transaction. This scam left me homeless and led to me losing my job. I spent over a month living in my car with no income before I was able to get another job. My bank does not care. 
I sent the money in increments. XXXX for first months rent. XXXX for security deposit. XXXX for application fee. The lease outlined that they had 10 days to give me the keys but they disappeared with my money and turned out to be fake.

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 2025-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year> I attempted to make a payment to my credit card bill with BMO. If you see the attached files, it is no longer possible to log in to BMO 's online banking without agreeing to no longer request paper communications from them. In fact, the agreement that you sign says that you have to agree to fully online e-communications. Considering the growing amount of clerical errors in e-communcations and the way that they can be controlled and deleted by the bank at will or convenience, paper statements and communication are how I am able to keep a record of our correspondence and have some meager semblence of proof against the bank should they wrong me. However, if you see the attached, not only are they forcing me to agree to use only e-communications, but they say that if I exercise my right to request paper communications that I will be completely excluded from using online services. This is completely unfair and unreasonable because there does not seem to be any other way to pay them other than online services.

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 2025-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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 am writing to formally dispute the following inaccurate items on my credit report. The information listed below is not accurate and does not reflect my credit history correctly. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that this/these items be investigated and removed from my credit file if found to be unverifiable or inaccurate. 
The accounts I am disputing are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$6300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: FL

Complaint narrative:
I am writing to formally dispute the following inaccurate items on my credit report. The information listed below is not accurate and does not reflect my credit history correctly. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that this/these items be investigated and removed from my credit file if found to be unverifiable or inaccurate. 
The accounts I am disputing are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$6300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1500.00} XXXXXXXX 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 2025-05-22 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding numerous unauthorized credit inquiries that have appeared on my credit reports with Equifax. I am the victim of identity theft, and I am requesting immediate investigation and action under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. 
I recently reviewed my credit reports and found several hard inquiries that I did not authorize. These inquiries were made by financial institutions and companies with which I have no current or prior relationship. I have reason to believe that these inquiries are a direct result of identity theft. 
In accordance with 15 U.S.C. 1681c-2, I have filed an identity theft report, which includes a formal complaint and supporting documentation, such as a police report or an FTC Identity Theft Report. Under this statute, credit reporting agencies are required to block any information resulting from identity theft within XXXX ( XXXX ) business days of receiving proper documentation. 
Legal Violations : The following legal provisions have been violated in relation to these unauthorized credit inquiries : 15 U.S.C. 1681b ( c ) Permissible Purpose : Credit inquiries must be made only with the consumers authorization or for a legitimate business purpose. These inquiries were made without my knowledge or consent.

15 U.S.C. 1681c-1 ( a ) ( 2 ) Fraud Alerts : I have placed a fraud alert on my credit file, and creditors must take reasonable steps to verify identity before extending credit. These inquiries indicate a failure to comply.

15 U.S.C. 1681c-2 Blocking of information resulting from identity theft : The credit reporting agencies have failed to block or investigate the unauthorized inquiries despite being informed of the theft.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Duty to reinvestigate : The credit bureaus are obligated to conduct a reinvestigation upon notice of a dispute, which they have failed to do regarding these inquiries.

Unauthorized Inquiries : The following is a list of unauthorized inquiries that I am disputing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation