vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 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: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant XXXX

Moreover, I was affected by the XXXX Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-05-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: EdFinancial Services
State: TX

Complaint narrative:
I am submitting this complaint to request that the Consumer Financial Protection Bureau ( CFPB ) investigate and take appropriate action regarding the misuse of education records by the XXXX Department of Education and affiliated student loan servicers during the XXXXXXXX XXXX 

There is credible reporting and public concern that the XXXX XXXX  may have improperly accessed, shared, or used student borrower dataincluding sensitive educational recordswithout consent and for purposes unrelated to loan servicing, such as political targeting or immigration enforcement. This potential misuse of data violates federal privacy protections under the Family Educational Rights and Privacy Act ( FERPA ) and undermines the integrity of the federal student loan system.

As a borrower, I did not consent to the use of my educational records for any political or non-educational purpose. If my records were accessed or used improperly, this constitutes a serious violation of my privacy and trust. I believe this misconduct should be grounds for full student loan discharge or cancellation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: TX

Complaint narrative:
I am writing to dispute the accuracy and validity of the following collection accounts currently being reported on my credit file. I am requesting a reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, as I believe these accounts are being reported inaccurately, incompletely, or without proper verification. 
XXXX. XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  o Date Opened : XX/XX/XXXX o High Balance : {$460.00} o Status : Collection o Issue : FCRA Violation Inaccurate or unverifiable collection o Action Requested : Reinvestigate and remove if unverifiable XXXX. XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  o Date Opened : XX/XX/XXXX o High Balance : {$970.00} o Status : Collection o Issue : FCRA Violation Inaccurate or unverifiable collection o Action Requested : Reinvestigate and remove if unverifiable Under FCRA 611 ( 15 U.S.C. 1681i ), you are required to conduct a reasonable reinvestigation of any disputed information within 30 days of receipt. If the data furnisher can not provide full validationincluding original signed agreements, payment history, and accurate account documentationthe information must be deleted immediately from my credit report.

Further, under FCRA 623, furnishers of information are prohibited from reporting inaccurate or incomplete information. If the debt has been paid, settled, or is no longer collectible, continued reporting could also violate the FDCPA.

I am actively working to rebuild my financial health after a period of hardship, and these negative itemsparticularly if they are outdated, inaccurate, or unverifiableare creating unnecessary barriers. I am a responsible consumer trying to move forward, and fair credit reporting is essential to that process. Please treat this request with the urgency and care it deserves.

1. Reinvestigate the above collection accounts with the data furnishers.

2. If the debts are unverifiable or inaccurate, delete them from my report.

3. Provide written confirmation of the results of the reinvestigation.

4. Ensure this is completed within 30 days as required by the FCRA.

Please consider this letter my formal dispute. I look forward to receiving your reinvestigation results and an updated copy of my credit report reflecting any changes made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: MO

Complaint narrative:
XXXX XXXX XXXX unsecured installment loan XXXX XXXX XXXX XXXX XXXX XXXX : account opened ; lender closed it after I filed XXXX XXXX. 

XXXX XX/XX/XXXX : debt discharged in my XXXX. 

Issue : TransUnion still shows the loan with a past-due remark even though the balance should be {$0.00} after discharge. 

My action : mailed a dispute package XXXX XX/XX/XXXX requesting update to {$0.00} / discharged. No change so far. 

XXXX XXXX credit card Grace-period payments : {$25.00} made on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; another {$25.00} paid XXXX XX/XX/XXXX. 

Issue : TransUnion reports XXXX, XXXX, XXXX, XXXX lates for XXXX XXXX and a XXXX late for XXXX XXXX, plus past-due {$25.00}. 

My action : uploaded bank statements XXXX XXXX XXXX proving on-time payments. Creditor responded account verified but supplied no ledger detail. 

XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX : loan originated for {$15000.00}. 

Vehicle surrendered/ debt discharged in the same XXXX XXXX on XXXX XX/XX/XXXX. 

Issue : Status line reads Included in XXXX, but an internal balance flag appears to keep the tradeline negative. 

My action : requested verification XXXX XX/XX/XXXX ; lender has not confirmed a {$0.00} balance. 

XXXX XXXX XXXX  credit card Payments : {$130.00} on XXXX XX/XX/XXXX and {$170.00} on XXXX XX/XX/XXXX. 

Issue : TransUnion shows XXXX lates ( XX/XX/XXXX & XXXX XXXX ), a XXXX late ( XX/XX/XXXX ), and past-due {$60.00} even though the XXXX and XXXX payments covered those cycles. 

My action : submitted dispute XXXX XX/XX/XXXX with payment confirmations ; late codes remain. 

XXXX XXXX auto loan ( sold ) XXXX XX/XX/XXXX : debt sold to XXXX XXXX ; balance should read {$0.00}. 

Issue : TransUnion continues to post XXXX consecutive Charged-Off months ( XX/XX/XXXX XX/XX/XXXX ), re-aging the delinquency. 

My action : asked XXXX for proof XXXX XXXX XXXX ; no documentation provided. 

XXXX XXXX unsecured installment XXXX XX/XX/XXXX : loan opened for {$2500.00}. 

XXXX XX/XX/XXXX : account transferred after partial payoff. 

Issue : TransUnion lists XXXX tradelines for the same debt ; XXXX Paid/Zero Balance, the other Transferred ; Charged-Off with XXXX lates ( XXXX XXXX ) a duplicate derogatory entry. 

My action : requested deletion of the duplicate XXXX XX/XX/XXXX ; no 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 non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: UT

Complaint narrative:
I disputed a {$750.00} charge from XXXX XXXX XXXX that was posted to my Apple Card ( issued by Goldman Sachs ) on XX/XX/year>. The dispute was reviewed and officially closed in my favor on XX/XX/year>. I received a dispute closure letter confirming the outcome, stating that the amount would be credited back to my account. However, the {$750.00} charge still remains on my Apple Card statement, and no credit has been applied. I have contacted Apple Card support multiple times and submitted the official dispute closure letter on at least three occasions, but the issue continues to be unresolved. I am being held responsible for a charge that has already been decided in my favor, and this is affecting my account and balance unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - {$21000.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$19000.00} XXXX XXXX XXXXXX/XX/XXXX - {$12000.00} XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I saw on XXXX XXXX that my XXXX XXXX card have been closed with no explanation or warning. When I tried to contact XXXX XXXX and XXXX XXXX to inquire, they would not speak to me. I was only transferred to several recordings that stated that they could not help me And they disconnected the call, several several times. My account was closed without any warning. I assume that it was closed due to inactivity because I havent used the card in years. I havent used the card in years because every time I attempted to use it the website would say the card was not activated or that it was incorrect password and it was always such a huge hassle to use the credit card. And more trouble than what it was worth. So I wasnt using the card. But they still should have let me know before they closed it so I would start using it again. I want to open my account again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: HI

Complaint narrative:
Upon reviewing my credit record, I discovered late payments that I believe are inaccurate. Despite sending validation request letters over 30 days ago, I have received no response, and the creditors have failed to provide satisfactory validation of these alleged late payments. This lack of response and validation is concerning given the impact these entries have on my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
The scam happened in XXXX phases. 

In Phase XXXX, around XX/XX/year>, I was introduced by someone to invest in crypto with promises of high profits. I was instructed to deposit money multiple times. In total, I lost around {$47000.00}. 

In Phase XXXX, someone claiming to be a lawyer contacted me and said they could help me recover the lost funds. I was then asked to pay several fees for verification and currency exchange. I followed their instructions and ended up losing an additional {$4700.00}. 

Altogether, I lost {$51000.00} due to this scam. 

As time went on, I was never able to withdraw my money. They kept giving different reasons to delay the withdrawal. When I could no longer pay any more fees, they blocked my account and stopped communicating with me. That was when I realized it was a scam, but by then, it was too late. 

I hope the authorities can help investigate this case and recover the money I lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: NJ

Complaint narrative:
I found an inaccurate negative item on my credit report my legal name is XXXX XXXX XXXX but it appears as just XXXX XXXX in all the close accounts that are reported in my credit report and are negatively impacting my credit score. I have contacted the furnisher, received no verifiable response, and am requesting a full investigation under the Fair Credit Reporting Act ( FCRA ). Please remove this unverifiable item.

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 2025-05-19 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-05-19 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-05-19 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I would this account taken out of my credit report .. it's been over two years this has affected my ability to move forward on Buying a home.. I tried resolving this matter with the company and nothing was resolved..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-19 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: MS

Complaint narrative:
These accounts were opened without my authorization and should not be on my credit report. I urge you to correct this issue by deleting them.

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-05-19 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: MD

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: MD

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

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 2025-05-19 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: MS

Complaint narrative:
I am deeply troubled by the late payment reflected on my account, as I have always made timely payments. This error is causing unnecessary XXXX, and I kindly request its immediate removal to accurately reflect my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Sprechman & Associates, P.A.
State: WI

Complaint narrative:
I was contacted by a debt collection agency Sprechman law regarding a debt they claimed I owed in XXXX from the failed closing on a property. The attorney handling the closing sent them an invoice and claimed I owed it. I advised them that I did not know nor agree to any service, and that I never signed anything. I was represented by a real estate agent in the transaction. I asked for copies for of any documentation in which I agreed to pay for any services and nothing has been provided other than a system generated invoice. Sprechman claims this is the only information their client has provided to them. I have been waiting since XXXX of XXXX for copies of agreements signed ( which they dont have because I never signed anything ), and still have not been provided this. The collection agent became upset and threatened to sue me if I refused to pay. These tactics are predatory and extremely frustrating. They continue to send me collection letters and phone called despite not providing the validation information requested.

Company response to consumer: Closed with explanation