vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-12 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Unverifiable Information & Legal Notice 15 U.S.C. 1681i ( a ) ( 7 ) I am writing to formally dispute and demand the immediate deletion of the following unverifiable accounts and unauthorized inquiries listed on my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ) : Disputed Accounts : BANKRUPTCY - ( REINCERTED ) DELETE IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 are inaccurate, incomplete, or can not be verified. I request that they be removed immediately and that you confirm in writing. 

Unauthorized Inquiries to Be Deleted : XXXX XXXX XXXX XXXX Experian XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DELETE ALL ALIASES AND OLD UNDELIVERABLE ADDRESSES! 

Legal Notice Under 15 U.S.C. 1681i and the FDCPA, you are required to : Conduct a reasonable investigation ( 1681i ( a ) ( 1 ) ) Provide documentation validating the accounts ( 1681i ( a ) ( 6 ) ( B ) ( iii ) ) Remove unverifiable or inaccurate data ( 1681i ( a ) ( 5 ) ( B ) ) Failure to comply may result in legal action, including : Statutory damages of {$1000.00} per violation ( 15 U.S.C. 1681n ( a ) ; 1692k ( a ) ( 2 ) ( A ) ) Actual and punitive damages for emotional and financial harm Attorney fees and court costs Case Reference : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  billing records do not constitute sufficient debt validation. 

Please respond in writing and provide an updated credit report within the required legal timeframe. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
I had received fraudulent emails of Citi strata premiere past due payments on a card and account that I did not setup. I called Citibank in XXXX to freeze and cancel the account to report as fraud. Then I disputed through XXXX XXXX and XXXX. The account was still not taken off my credit report and I called citi bank again in XXXX, redisputed through XXXX, and still the account has not been removed from my account. Citi bank has been difficult to work with and has not provided any updates into the fraud or closed the account.

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 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I keep getting emails about recent unauthorized inquiries and transactions with my credit score and credit accounts, I have tried to reach out multiple times and then my account was locked and they changed the password AND security questions, not just the password. I feel like it's been completely taken over by someone. They won't respond to any of my requests for help. I have called them 4-5 times over the last month and nobody will help me figure this out!

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 2025-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: MI

Complaint narrative:
This is not my debt. I had my identity documents previously stolen and don't recognize this account. I didn't recieve any written communication about this debt from the debt collection agency ( which is required under the law ) and have been unable to substantiate it with the medical provider. I have opened a previous dispute but the agency provided no assistance or resolution.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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:
I HAVE BEEN AFFECTED BY THE XXXX 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 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 2025-04-12 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: EdFinancial Services
State: NC

Complaint narrative:
I am filing this complaint against /Dept. of ED due to severe and unjustified negative credit reporting that has significantly impacted my financial standing. My credit report was recently updated to reflect a 90 Days Late report from Dept. ED, which has caused my credit score to drop by over XXXX points. This action was taken without any prior notice, warning, or correspondenceI did not receive any emails, letters, or alerts informing me of this drastic change before it was reported to the credit bureaus. 

Additionally, I have become aware of an ongoing data breach involving XXXX loan accounts, which raises serious concerns regarding unauthorized access to my personal and financial information raising concerns over a FERPA violation. Given this security lapse, I have reason to believe that my account records may have been compromised or altered without my consent. 

I am in the process of purchasing a home and this has caused my loan to be halted until this is remedied. This has caused extreme financial distress and this error in reporting needs to be remedied immediately. I did not authorize any changes to my account status, and I no longer feel comfortable having my XXXX loans serviced and reported to the credit bureaus under these conditions. 

Violations and Consumer Protection Rights 1. Failure to Provide Notice of Negative Credit Reporting - Under the Fair Credit Reporting Act ( FCRA ), loan servicers are required to provide accurate and fair reporting. I was not notified in advance that these accounts would be marked late, which denied me the opportunity to address any potential issues before they were reported. 

2. Possible Unauthorized Reporting and Account Compromise Due to Data Breach - The reported data breach involving XXXX raises serious questions about the integrity of my loan accounts. If my data was exposed or manipulated, XXXX may have incorrectly or fraudulently reported late payments that I did not actually incur. 

3. Failure to Properly Investigate and Verify Account Status - Given the security risks and errors in reporting, I request full verification and documentation proving the legitimacy of the late payments, including a detailed account history showing how and when they were marked late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX debts were disputed online through the Experian website and Experian refused to remove collections. A law passed by the CFPB that went into effect on XXXX XXXXXXXX XXXX prohibits XXXX debt from being reported on credit reports. 
XXXX and XXXX has honored this law and have recently deleted these items from my credit report but Experian is not honoring the law and refuses to remove XXXX collections. 
These collections are from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Attachments will show assumed debts being reported on my Experian credit report, the law set in place by the CFPB and proof these collections have been removed from other credit reporting agencies.

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 2025-04-12 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: NC

Complaint narrative:
I am filing this complaint against /Dept. of ED due to severe and unjustified negative credit reporting that has significantly impacted my financial standing. My credit report was recently updated to reflect a 90 Days Late report from Dept. ED, which has caused my credit score to drop by over XXXX points. This action was taken without any prior notice, warning, or correspondenceI did not receive any emails, letters, or alerts informing me of this drastic change before it was reported to the credit bureaus. 

Additionally, I have become aware of an ongoing data breach involving XXXX loan accounts, which raises serious concerns regarding unauthorized access to my personal and financial information raising concerns over a FERPA violation. Given this security lapse, I have reason to believe that my account records may have been compromised or altered without my consent. 

I am in the process of purchasing a home and this has caused my loan to be halted until this is remedied. This has caused extreme financial distress and this error in reporting needs to be remedied immediately. I did not authorize any changes to my account status, and I no longer feel comfortable having my XXXX loans serviced and reported to the credit bureaus under these conditions. 

Violations and Consumer Protection Rights 1. Failure to Provide Notice of Negative Credit Reporting - Under the Fair Credit Reporting Act ( FCRA ), loan servicers are required to provide accurate and fair reporting. I was not notified in advance that these accounts would be marked late, which denied me the opportunity to address any potential issues before they were reported. 

2. Possible Unauthorized Reporting and Account Compromise Due to Data Breach - The reported data breach involving XXXX raises serious questions about the integrity of my loan accounts. If my data was exposed or manipulated, XXXX may have incorrectly or fraudulently reported late payments that I did not actually incur. 

3. Failure to Properly Investigate and Verify Account Status - Given the security risks and errors in reporting, I request full verification and documentation proving the legitimacy of the late payments, including a detailed account history showing how and when they were marked late.

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 2025-04-12 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: WA

Complaint narrative:
On or around XXXX XXXX XXXX I sent certified dispute letters to all three credit bureaus ( copies attached ) challenging the following accounts as inaccurate and demanding proof of the debts : XXXX XXXX ( {$11000.00} ) XXXX XXXX XXXX ( XXXX, XXXX, {$620.00} ) XXXX XXXX XXXXXXXX XXXX {$470.00} ) XXXX XXXX XXXX XXXX ( {$0.00} ) To date, I have received no substantive response from any bureauno verification documents, no investigation results, and no corrections. The bureaus inaction has harmed my creditworthiness and denied me opportunities ( e.g., loans, housing ). 

Legal Violations : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Bureaus must complete investigations within 30 days.

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : They must provide written results and documentation ( e.g., contracts ) upon request.

15 U.S.C. 1681e ( b ) : They must maintain reasonable procedures to ensure maximum accuracy.

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 2025-04-12 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: WA

Complaint narrative:
On or around XXXX XXXX XXXX I sent certified dispute letters to all three credit bureaus ( copies attached ) challenging the following accounts as inaccurate and demanding proof of the debts : XXXX XXXX ( {$11000.00} ) XXXX XXXX XXXX ( XXXX, XXXX, {$620.00} ) XXXX XXXX XXXXXXXX XXXX {$470.00} ) XXXX XXXX XXXX XXXX ( {$0.00} ) To date, I have received no substantive response from any bureauno verification documents, no investigation results, and no corrections. The bureaus inaction has harmed my creditworthiness and denied me opportunities ( e.g., loans, housing ). 

Legal Violations : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Bureaus must complete investigations within 30 days.

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : They must provide written results and documentation ( e.g., contracts ) upon request.

15 U.S.C. 1681e ( b ) : They must maintain reasonable procedures to ensure maximum accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Aqua Finance, Inc.
State: FL

Complaint narrative:
AQUA Finance purchased my preexisting XXXX loan + $ XXXX. on day one every payment is being applied two to three weeks late. Payments are being send directly from XXXX XXXX XXXX XXXX to AQUA Finance seven days before the due date. AQUA does not apply the payments for ~3 weeks every month. Next AQUA sends me harassing e-mails stating that my payment is late each month. AQUA stated they could not " substantiate '' the late posting of my payments each month. AQUA stated if I gave them direct access to my account so they could directly withdraw funds, my payments would not be late. I'm not giving AQUA access to initiate withdraws from my personal account. XXXX does not send payments to AQUA via electronic transfers, it requires a check be mailed. I need help to resolve Note : My credit score is XXXX, I'm a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3 XXXX XXXX XXXXXXXX XXXX In my professional opinion : AQUA tiring to collect more interest and being deliberately deceptive/ making false statements. AQUA appears incapable or unwilling to provide adequate customer service, service this loan in a timely manner, and/or act ethically in its business dealings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Debt or credit management — Student loan debt relief
Issue: Unauthorized withdrawals or charges — 
Company: EdFinancial Services
State: NY

Complaint narrative:
There was a data breach of my personal/information to a third party without my consent/authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: MA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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:
I am a victim of identity theft, My only address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX the credit bureaus are reporting fraudulent accounts and addresses that should not be on my file. I dont live there and do not have access to mail or anything.

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 2025-04-12 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: NY

Complaint narrative:
I am a victim of identity theft, My only address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX the credit bureaus are reporting fraudulent accounts and addresses that should not be on my file. I dont live there and do not have access to mail or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc.
State: CA

Complaint narrative:
Back on XX/XX/XXXX, I contacted Moneylion support for the last time asking them how can I pay off the balance of my loan. I told them that the app does not work correctly on my phone. IN the pay area to make payments, I can attach an account but for some reason, it gets gray out when I try to make the final balance payment. This has been going on for over 3 years.

I have the ticket number for support and their response ( See below ). I just want to pay this off. They even reported it on my credit. I have tried to ask can I jsut send in a check for the amount. Insteaad, please use the app. But the app doesn't work. This is frustrating. I think they just want me to stay a customer and I don't want to be one anymore. This has been going on for years. I have the money to pay but the app doesn't let me make the payment. There is a glitch and they have confirmed it but yet, they don't give me another options to send a payment to pay off the balance so that I can close my account. I think this is done on purpose. I don't need their service anymore. I'm frustrated!

Re : Submission from Master Contact Us Email Form : Ticket number : MLVWDXTP ( Can't make final payment to close out my account. This is ridiculous! ) Hello XXXX, Thank you for reaching MoneyLion Customer Care! We trust you are doing well.

Thank you for giving us the opportunity to assist you. We understand how important it is for you to expedite this process, and we are more than happy to help.

Based on the most recent update, your payment plan has been reinitiated. We can proceed to initiate the payment using your debit card. If you agree, please provide the last four ( 4 ) digits of your debit card.

Thank you for your cooperation, and we look forward to resolving this matter promptly.

We understand that your concerns are important, and were here to help. We will wait for your response at your earliest convenience, so we can provide the support you need and take the next steps together.

For other concerns, you can browse our Help Center page for answers to frequently asked questions, or contact our Customer Care through live chat, email, or phone call at XXXX ( XXXX ) XXXX. We are available 24/7 to assist you. Thank you and have a great day! 



Ter C. 
Customer Care XXXX XXXX | XXXX help.moneylion.com

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-12 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: GA

Complaint narrative:
I filed a dispute with XXXX & they didnt attempt to correct or remove any information. I seen the cfpb filed a lawsuit against them for these very reasons & I wanted to look into my possible case.

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