vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cedars Business Services, LLC
State: VA

Complaint narrative:
So in XXXX ( around XXXX ) Cedar Business Services hit my credit for a collections on behalf of XXXX for {$31000.00}. It dropped my credit significantly, and while that hurt my financial standings and ability to find housing, I figured Ill keep moving forward and find a job as I was unemployed at that time and figure it out once I get an income. They kept calling me, calling my sister and calling my brother. 

Later in XXXX, they informed me that they would try to lower the amount, but I was never notified. I figured theyd at least give me a call or voicemail to let me know, and they started payments again, and then in XXXX of XXXX, they hit my credit again, dropping it even further. 

I took a look at the missed payments although they expect a paid in full payment, and it shows that I missed payments in XXXX, which I acknowledge, but they never informed me about restarting payments in XXXX, and hit my credit again. Now they wont answer my calls and I am at a lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: NY

Complaint narrative:
This account is marked with a series of consecutive late payments beginning XX/XX/XXXX through XX/XX/XXXX, leading to a charge-off. I am disputing this reporting on the following grounds : 1. Inconsistent Payment History : The payment history shows consistent on-time payments from XX/XX/XXXX through XX/XX/XXXX ( as represented by the XXXX XXXX  ). The transition to missed payments starting XX/XX/XXXX appears to be abrupt and unexplained, which raises concerns of a potential reporting error or miscommunication.

2. Disputed Charges : This account is already marked as disputed by the consumer, which I affirm. I do not agree with the amount claimed as past due or the resulting charge-off. I have not received proper validation of this debt or any conclusive documentation showing its legitimacy or accurate balance.

3. Request for Verification : Under the Fair Credit Reporting Act ( FCRA ), I request that Experian investigate this item with the original creditor and furnish me with documentation verifying the full details of the account, the alleged delinquencies, and the charge-off status. If the account can not be verified, it should be corrected or deleted from my credit report.

Please conduct a thorough investigation into this matter. Enclosed are copies of my ID and proof of address for verification purposes. I request that you complete this investigation within the 30-day period mandated by the FCRA and provide written confirmation of the results.

Thank you for your attention to this matter. I look forward to your response.

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 2025-08-05 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: NY

Complaint narrative:
This account is marked with a series of consecutive late payments beginning XX/XX/XXXX through XX/XX/XXXX, leading to a charge-off. I am disputing this reporting on the following grounds : 1. Inconsistent Payment History : The payment history shows consistent on-time payments from XX/XX/XXXX through XX/XX/XXXX ( as represented by the XXXX XXXX XXXX. The transition to missed payments starting XX/XX/XXXX appears to be abrupt and unexplained, which raises concerns of a potential reporting error or miscommunication.

2. Disputed Charges : This account is already marked as disputed by the consumer, which I affirm. I do not agree with the amount claimed as past due or the resulting charge-off. I have not received proper validation of this debt or any conclusive documentation showing its legitimacy or accurate balance.

3. Request for Verification : Under the Fair Credit Reporting Act ( FCRA ), I request that XXXX  investigate this item with the original creditor and furnish me with documentation verifying the full details of the account, the alleged delinquencies, and the charge-off status. If the account can not be verified, it should be corrected or deleted from my credit report.

Please conduct a thorough investigation into this matter. Enclosed are copies of my ID and proof of address for verification purposes. I request that you complete this investigation within the 30-day period mandated by the FCRA and provide written confirmation of the results.

Thank you for your attention to this matter. I look forward to your response.

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 2025-08-05 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: NY

Complaint narrative:
This account is marked with a series of consecutive late payments beginning XX/XX/XXXX through XX/XX/XXXX, leading to a charge-off. I am disputing this reporting on the following grounds : 1. Inconsistent Payment History : The payment history shows consistent on-time payments from XX/XX/XXXX through XX/XX/XXXX ( as represented by the XXXX XXXX XXXX. The transition to missed payments starting XX/XX/XXXX appears to be abrupt and unexplained, which raises concerns of a potential reporting error or miscommunication. 
2. Disputed Charges : This account is already marked as disputed by the consumer, which I affirm. I do not agree with the amount claimed as past due or the resulting charge-off. I have not received proper validation of this debt or any conclusive documentation showing its legitimacy or accurate balance.

3. Request for Verification : Under the Fair Credit Reporting Act ( FCRA ), I request that XXXX  investigate this item with the original creditor and furnish me with documentation verifying the full details of the account, the alleged delinquencies, and the charge-off status. If the account can not be verified, it should be corrected or deleted from my credit report. 
Please conduct a thorough investigation into this matter. Enclosed are copies of my ID and proof of address for verification purposes. I request that you complete this investigation within the 30-day period mandated by the FCRA and provide written confirmation of the results.

Thank you for your attention to this matter. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe
State: FL

Complaint narrative:
In the beginning of XXXX ( I am not able to location the exact date on the documents ) I was looking for a small loan to help me get some debts paid between paychecks as I was transitioning to a new job and would be going almost a month without any incoming funds. I did a XXXX search and entered my information and I was contacted by XXXX XXXX. They offered me a loan for {$1500.00} to which I was relieved and accepted the loan. This company is charging {$7600.00} repayment on this loan. That is 627.89 % interest rate. 

There is absolutely no excuse for this predatory lending! This is seeking out people that are struggling financially and taking advantage of their desperation. I have made 3 phone calls to this company to discuss my payments schedule, I also did an online chat with them and emailed twice to let them know my new pay structure with my new job. They are unwilling to respond back and just keep telling me to call them, which I do and I just get the run around. 

Something has to be done about this company and their lending practices, it should be illegal.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-05 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: NC

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-08-05 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:
Maintaining an accurate credit history is extremely important to me. I recently reviewed my credit file and discovered a late payment that I believe was incorrectly reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX Formal Dispute & Demand for Validation XXXX  XXXX Account No. XXXX To Whom It May Concern, I am disputing the accuracy and validity of the XXXX  XXXX account being reported on my credit file. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g where applicable.

The following are specific inaccuracies and legal deficiencies that must be addressed : XXXX. Cease All Collection Activity Until Validation You must immediately cease all reporting, collection, or sale of this account until you have provided complete validation. This includes : A full accounting of the alleged debt. 

The original signed credit agreement or contract proving my obligation. 

The original assignment contract showing legal transfer of rights from the original creditor to any debt collector or debt buyer, if applicable. 



XXXX. Proof of Permissible Purpose Provide documentation of the permissible purpose under FCRA 604 ( 15 U.S.C. 1681b ) for obtaining and reporting my consumer information. You must also explain any inaccurate or misleading reporting, especially the following : Balance of {$1000.00} despite a {$500.00} limit. 

Closure in XX/XX/year> but delinquency reporting continued for months afterward. 

Past-due amount of {$240.00} reported after closure. 

Highest balance reported post-closure. 



XXXX. Details Regarding Securitization of the Debt If this debt was securitized, you must provide : Name of the trust or entity that holds the alleged receivable. 

Proof of lawful ownership of the debt at the time of reporting. 



XXXX. Tax Reporting Requirements If the alleged debt was canceled or forgiven : Over {$600.00} Provide IRS Form XXXX issued for the cancellation. 

Under {$600.00} Provide written confirmation of cancellation ( no XXXX required ). 


Failure to provide either constitutes incomplete and unverifiable reporting. 


XXXX. Required Action Pursuant to FCRA 611, I demand that within XXXX  days you : XXXX. Delete this account from my credit file if you can not fully validate it with the above documentation. 


XXXX. Provide me with copies of all documents you relied upon in your reporting. 


XXXX. Update my credit file to remove any inaccurate, incomplete, or unverifiable information. 


You are reminded that continuing to report unverifiable information after notice of dispute is a violation of FCRA 623 ( a ) ( 1 ) ( B ) and may subject you to civil liability under FCRA 616, 617 and FDCPA 813. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD 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 2025-08-05 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: NJ

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$280.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX BANK XXXX 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 : {$1900.00} XXXX XXXX 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 : {$530.00} XXXX - Account Number : XXXX * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$5600.00} INQUIRIES : XXXX XXXX XXXX : XX/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 2025-08-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: SOFI TECHNOLOGIES, INC.
State: NJ

Complaint narrative:
I applied for a mortgage and was informed that my debt-to-income ratio was too high because the lender was unable to use all of my income, including overtime, in their calculations. My mortgage commitment deadline was Friday, XX/XX/XXXX. Despite this, I was repeatedly assured that everything could be completed in time and that I would have the commitment by Monday, XX/XX/XXXX. 

However, as of XX/XX/XXXX, I had not received the mortgage commitment. That morning, I requested that my loan file be transferred to another lender to avoid further delays. I received no response from anyone at the company throughout the entire day. At approximately XXXX XXXX, I finally received a text from my loan coordinator. I immediately responded, reiterating my urgent need to have the loan documentation transferred, if they were unable to complete the FHA loan, to the new lender as soon as possible because they would be able to get my the commitment the same day. 

As of today, XX/XX/XXXX, the loan documents still have not been transferred. This delay is putting my home purchase at serious risk, and the sellers are now considering pulling out of the deal due to the missed deadlines and lack of communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : 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 Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$7900.00} INQUIRIES : XXXX XXXX Date : XX/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 2025-08-05 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, 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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
My account info was compromised due to several hacks. I should have been receiving free services but I have not. I locked my reports and when I cancelled due to free services this is what they sent me a notice that they unlocked my credit because I cancelled the paying service when it should be free. 
I am out of the country and you can not access the Experien portal to make any changes make payments etc out of the country.

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 2025-08-05 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: GA

Complaint narrative:
My information was exposed to XXXX data breach. I do not recognize these accounts and inquires. 
Collection accounts XXXX. XXXX XXXX XXXX ( XXXX ) -account # XXXX XXXX. XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX XXXX- account # XXXX XXXX XXXX XXXX XXXX XXXX  - account # XXXX XXXX. XXXX XXXX XXXX - account # XXXX XXXX. Possible finance - account # XXXX  XXXX - ACCOUNT # XXXX XXXX. XXXX XXXX - account # XXXX XXXX -account # XXXX XXXX - account XXXX Inquires XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX af- XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX # XXXX XX/XX/year> -- {$280.00}

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XXXX Balance : {$570.00} XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/scrub>XXXX, Balance : {$1000.00}

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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:
Someone open a unsecured credit card account in my name without my permission

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 2025-08-05 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: MD

Complaint narrative:
I am formally disputing the accuracy of the following account ( XXXX ) on my credit report, as allowed under XXXX XXXX. XXXX : XXXX - XXXX - ACCOUNT NOT MINE XXXX XXXX - XXXX - ACCOUNT NOT MINE XXXX XXXX XXXX - XXXX - ACCOUNT NOT MINE XXXX  XXXX - XXXX - ACCOUNT NOT MINE

Company response to consumer: Closed with non-monetary relief