vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: FL

Complaint narrative:
I am writing to formally dispute my federal student loans and request a full discharge due to a serious breach of my personal and financial information. My information was compromised without authorization, violating multiple federal laws to protect student records and personal privacy. Under these circumstances, I request the complete cancellation and discharge of my student loan debt, as my rights have been severely violated. Below are the key reasons for my request : Violation of the Family Educational Rights and Privacy Act ( FERPA ) ; My student records were disclosed without my consent, in violation of FERPA 's strict confidentiality protections, and breach of the Privacy Act of 1974 ; My personal and financial information were improperly accessed and shared without my authorization, in violation of the Higher Education Act. As a student borrower, my information should have been protected, but the mishandling of my data demonstrates a failure to uphold these legal protections, in breach of Contract and Negligence. The entity responsible for safeguarding my data failed to do so, risking my financial security with unauthorized disclosure to third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: TX

Complaint narrative:
I am filing a complaint against Experian for inaccurate and misleading reporting of a XXXX XXXX ( XXXX ) credit card account on my credit file. The account is listed as a charge-off, but the status is reported repeatedly from XX/XX/XXXX to XX/XX/XXXX, which is inaccurate. A charge-off is a one-time accounting event and should not be reflected month after month. 

Additionally, the payment history includes months marked ND ( no data ), while still showing delinquency progression this is both inconsistent and misleading. The account is also labeled closed at credit grantors request, which directly conflicts with the charge-off status and suggests contradictory information.

I disputed the account directly with Experian and requested a method of verification under FCRA 611. They failed to provide adequate documentation to substantiate the accuracy of the reporting and did not correct or delete the account.

This violates multiple provisions of the Fair Credit Reporting Act, specifically : Section 607 ( b ) : Obligation to report only complete and accurate information Section 611 ( a ) : Duty to reinvestigate and verify disputed items I am requesting that this account be deleted from my Experian credit report unless it can be verified with complete, consistent, and accurate documentation directly from the original creditor.

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 2025-05-01 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: Paramount GR Holdings, LLC
State: GA

Complaint narrative:
I am writing to formally dispute a {$19000.00} loan account with GoodLeap that was opened fraudulently in my name. I did not apply for, authorize, or consent to this loan. It was acquired through deceptive and unauthorized actions by an installation company named XXXX XXXX. 

XXXX XXXX was working with my mother, XXXX XXXX, on a window installation project at our shared property located in XXXX, GA. During that process, a XXXX XXXX representative requested my personal information from my mother under the pretense of needing approval to install the windows. My mother contacted me to ask if she could provide my information for that specific purpose, and I agreedbut only to authorize the installation, not to apply for or authorize any financial product. 

At no time did I authorize a loan, speak with any XXXX XXXX or GoodLeap representatives, sign any documents, or consent to the extension of credit. Nevertheless, XXXX XXXX submitted a loan application in my name using the information they obtained deceptively. When I contacted XXXX XXXX about this issue, they sent me a document labeled as a proposal, which included a signature that they claimed to be mine. I want to clearly state that this is not my signature. 

Despite notifying XXXX XXXX of the fraudulent nature of this contract, they have refused to take any responsibility or corrective action. The representative listed on the contract never met, spoke with, or communicated with me in any form. Furthermore, the contract lists me as the primary borrower and XXXX XXXX as the co-borrowerwithout my involvement, consent, or participation. 

I have also contacted GoodLeap to dispute this matter. Shockingly, they refused to remove the loan from my name and stated that, because my mother provided my information, she would be held responsible in a court of law. This response is deeply concerning and unethical. GoodLeaps failure to properly verify the identity of the applicant and its lack of due diligence enabled this fraudulent transaction to occur. 

For reference, I am including : A copy of the contract my mother received, which shows her signaturenot mine and does not include my contact information. 

A copy of what seems to be the proposal document XXXX XXXX sent me that includes the fraudulent signature they claim to be mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, OH XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Experian XXXX XXXX XXXX, XXXX, TX XXXX Subject : Urgent Request for Immediate Removal of Fraudulent Accounts Due to Identity Theft To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of fraudulent accounts from my credit report. These accounts were opened or used without my authorization as a result of identity theft. 

I have attached a copy of my Federal Trade Commission ( FTC ) identity theft report as supporting evidence. 

The following account must be removed immediately : XXXX XXXX XXXX  OPENED DATE : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these accounts be permanently removed from my credit file with no delays. These accounts are fraudulent, and I am not responsible for any activity associated with them. 

Enclosed Documents : 1. FTC Identity Theft Report 2. Copy of my government-issued This matter is urgent, and I expect a prompt resolution. If these fraudulent accounts are not removed immediately, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action if necessary.

Please send a written confirmation once these accounts have been removed. If you refuse to remove them, provide a detailed explanation of your investigation and the evidence used to verify these accounts. 

Thank you for your immediate attention to this matter. 

I can be reached at the contact information above if further clarification is needed. 


Sincerely, 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 2025-05-01 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: FL

Complaint narrative:
I'm reaching out because there's incorrect information on my credit report that needs to be fixed immediately. There is an entry on my report that is simply wrongand Im certain of it. I did not authorize or initiate whats being reported, and it should never have shown up under my name in the first place.

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 2025-05-01 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My right to privacy is protected under laws enacted by Congress to safeguard consumers. By permitting unauthorized access to my financial information, you have not only breached federal statutes but have also trampled on my constitutional rights, causing undue harm and distress.

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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I took out my ulta credit card at the store around XX/XX/XXXX. 

Two weeks later I hadnt received anything my physical card so I called they assured me that it was on its way. On the XXXX of XXXX I called the bank the card is associated with because in my XXXX XXXX I saw that my balance on the card I never received was almost XXXX $ months which couldnt be possible. I had used the card on the day I took it out at the ulta store of the amount of XXXX XXXX The card was used at a location on tinely park on XX/XX/XXXX for the amount of XXXX $ which was not done by Me. The. Charge is fraud, I dont live near the location or make those type of purchases. My card wa stolen from mail. We made the dispute on the XXXX of XXXX with the bank and I still havent heard anything from them in the mail and I just saw that the amount is bank into my card. I didnt make that purchase and I shouldnt pay for it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: FL

Complaint narrative:
Subject : Second Dispute of Charge-Off Account Under FCRA Sections 1681b ( 2 ), 1681b ( 5 ), and 611 To Whom It May Concern, Subject : Second Dispute of Charge-Off Account Request for Reinvestigation under FCRA 1681i, 1681s-2 ( b ), and 1681e ( b ) Account Name : XXXX XXXX Account Number : XXXX To Whom It May Concern, This letter is a formal second dispute concerning the charge-off account listed above. I previously submitted a dispute requesting its deletion, as the information reported was inaccurate and unverifiable. However, your response failed to provide sufficient evidence to validate the legitimacy of this account.

Pursuant to the Fair Credit Reporting Act ( FCRA ), particularly : 1681i requiring a reasonable reinvestigation within 30 days, 1681s-2 ( b ) requiring the furnisher to properly investigate disputed data, and 1681e ( b ) requiring credit reporting agencies to maintain maximum accuracy, I hereby request a reinvestigation of this charge-off entry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I sent a letter to Bureaus regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.

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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
My right to privacy is protected under laws enacted by Congress to safeguard consumers. By permitting unauthorized access to my financial information, you have not only breached federal statutes but have also trampled on my constitutional rights, causing undue harm and distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: NC

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-05-01 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: CA

Complaint narrative:
I'm reaching out because there's incorrect information on my credit report that needs to be fixed immediately. There is an entry on my report that is simply wrongand Im certain of it. I did not authorize or initiate whats being reported, and it should never have shown up under my name in the first place.

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 2025-05-01 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: IL

Complaint narrative:
I am filing a formal complaint against TransUnion LLC for failing to properly investigate and delete multiple disputed accounts that remain on my credit report despite violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 data reporting guidelines. 
I previously submitted disputes for the following accounts : XXXX XXXX XXXX XXXX 2 accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX After these disputes, TransUnion updated some of the charge-offs instead of removing them, despite no legal validation being provided by the data furnishers. Some collections were marked " verified '' with no original contract, no detailed breakdown, and no valid chain of assignment ever submitted. 
These continued entries are inaccurate, unverifiable, and formatted in violation of Metro 2 reporting standards. TransUnion has now failed to conduct a reasonable reinvestigation as required under federal law. 
Violations Identified : FCRA 1681i Failure to conduct a reasonable reinvestigation FCRA 1681s-2 ( b ) Continued reporting of unverifiable or inaccurate information FDCPA 809 ( b ) Failure by furnishers to validate alleged debts Metro 2 Guidelines Inaccurate charge-off status codes, misleading Date of First Delinquency ( DOFD ), and incorrect formatting after disputes

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 2025-05-01 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 writing to formally dispute one or more unauthorized hard inquiries that appear on my credit report. I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity.

According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: VA

Complaint narrative:
I am formally disputing the following negative items on my credit report. 
Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-05-01 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: MOHELA
State: TX

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against Federal Student Aid, XXXX XXXX and XXXX for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education.

Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education.

2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment.

3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ). 
I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 
Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: NJ

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief