vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
filed the appropriate paperwork to return to XXXX XXXX  on XX/XX/XXXX. Upon attempting to return, I was informed that the deadline to return had been changed without my knowledge, triggering a re-entry process that has since been plagued by undue delays. I have been attempting to resolve this matter with the University for over XXXX months, only to be stonewalled, ignored, and at XXXX point threatened with a Code of Conduct violationdespite not using profanity or any language that would warrant such a response. 

Most recently, during a recorded phone call with a University staff member on XX/XX/XXXX, I was promised the requested documentation would be provided on Saturday, XX/XX/XXXX, followed by a discussion on Monday, XX/XX/XXXX. As of today, I still have not received the requested itemized breakdown of the balance I am said to owe the University. Over time, I have been quoted varying amountsfirst approximately {$2000.00}, then {$6000.00}, and now $ XXXX no clear explanation for these discrepancies. 

These continued delays and lack of transparency have significantly impacted my ability to graduate and pursue employment opportunities aligned with my degree.

Company response to consumer: Untimely response
Consumer complaint received 2025-04-21 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: TN

Complaint narrative:
On XX/XX/year>, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet. 
I feel like Im being taken advantage of and being ignored for my disputes. 
Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

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 2025-04-21 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: TN

Complaint narrative:
On XX/XX/year>, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet. 
I feel like Im being taken advantage of and being ignored for my disputes. 
Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: NC

Complaint narrative:
I am a XXXX of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX - XXXX * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX  - XXXX * * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX * XXXX XXXX XXXX * * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$620.00} XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX XXXX * * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XXXX * XXXX XXXX XXXX * * * * * * * * * * * XXXX - XX/XX/XXXX - {$6800.00} XXXX XXXX - XXXX * * XXXX XXXX * * * * * * * * XXXX - XX/XX/XXXX - {$1500.00}

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 non-monetary relief
Consumer complaint received 2025-04-21 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: PA

Complaint narrative:
I am writing to inform you that I am disputing the debt referenced above, which your company claims I owe. Under the Fair Debt Collection Practices Act, I am entitled to dispute the validity of this debt and request verification or validation. 

Please be advised that : XXXX. I dispute the entire amount of the alleged debt. 
XXXX. I request that you provide validation of the debt, such as documentation available to verify that I agreed to pay the creditor, the current balance, a breakdown of charges, and an accounting of how the debt was reached. 
XXXX. You cease any debt collection efforts until this dispute is resolved and verified documents are provided to me. 
XXXX. I request my debt account not be reported to any credit agencies until you provide evidence validating the debt. 

As per my rights, I ask that you verify the debt and provide written proof that the debt belongs to me within XXXX days. Also, please be aware that I request all future communications be in writing. 

If you are unable to verify this debt, I respectfully request that you confirm in writing that you are terminating collection efforts and will update all negative credit information relating to the matter. 

Thank you for your prompt attention to this matter. I look forward to your acknowledgment and kindly request a written response by [ specify a reasonable date, usually within XXXX days ]. 

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 2025-04-21 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: MO

Complaint narrative:
The Creditor has " UNILATERALLY CHANGED '' The Original Loan Amount to the Borrower 's Detriment ; By Making Unfavorable Changes, Increasing The Loan Amount. XXXX XXXX XXXX XXXX, NEVER INFORMED ME THAT ORIGINAL LOAN BALANCE WOULD CHANGE FROM {$13000.00} to {$14000.00}. XXXX XXXX XXXX XXXX NEVER INFORMED ME of my right to exercise my nondisclosure option. Not only that XXXX XXXX XXXX ( a ) ( XXXX ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information ; Making this account an Adverse Action that they are reporting without my permission. XXXX. The creditor has inserted XXXX payments into my consumer credit report for the months of XXXX & XX/XX/XXXX that I, the consumer did not make, & XXXX XXXX XXXX XXXX did this without my consent. THAT IS CALLED FRAUD, & I have reported these fraudulent transactions to the FTC, in which a copy of my report is included. In addition to thee above mentioned, XXXX XXXX XXXX XXXX subsidiary XXXX XXXX XXXX reported as of XX/XX/XXXX that this account was being reported as CLOSED on my TransUnion credit report on XXXX XXXX. 
I WAS NOT EVEN BORN AT THIS TIME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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:
Im reaching out because I recently reviewed my credit report and noticed some accounts listed that I never opened or authorized. Ive never had any dealings with these companies, and seeing them show up on my report was both confusing and alarming. Just to be clearthese accounts are not mine. I didnt open them, I didnt give anyone permission to use my information, and I have no connection to them whatsoever. It seems like my personal information may have been used without my knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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 a XXXX of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
On Saturday XX/XX/XXXX at roughly XXXX I visited the Truist Bank branch at XXXX XXXX XXXX XXXX XXXX TX. 

I went to the same branch and tried to close my accounts before, CD, Savings, Checking. This was my second visit to try to close my accounts, but the banking staff refused to do the transaction both times. 

These are collected funds that have been sitting idle for over a month. 

On Saturday, there was only XXXX teller. I told the teller I wanted to close my accounts, but was refused. I was told, " I'm not waiting on you. You're trying to intimidate me with XXXX eyes. '' The person was having some kind of XXXX XXXX, and refused to allow me access to my own money. 

I have and had absolutely no interest in this person 's emotional problems, but I never expected the to freeze my accounts because a teller was feeling moody.

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 2025-04-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Absolute Resolutions Corp.
State: IL

Complaint narrative:
I never opened an account with ABSOLUTE RESOLUTION in the amount of {$9300.00} on XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 







Bankruptcy Account 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 2025-04-21 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: CA

Complaint narrative:
I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Inaccurate Information on Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information reported on my XXXX credit report concerning the Affirm Inc. account ( Account Number XXXX XXXX ). This account is currently being reported with a negative status and a XXXX late payment for XX/XX/XXXX, which I believe is factually incorrect. 

According to the payment history listed in the report, no payment was made in XX/XX/XXXX, resulting in a XXXX delinquency. However, this is inaccurate for the following reason : The original balance of the account was {$63.00}. 
In XX/XX/XXXX, a payment of {$34.00} was made on XX/XX/XXXX, which clearly covers more than the scheduled XXXX payment of {$11.00}. 
Therefore, the account was not 30 days late as of the end of XX/XX/XXXX. The payment made in XXXX should have been sufficient to satisfy the scheduled amount due. 
Additionally, under the " Comment '' section of the report, it is noted : First payment never received. 
This contradicts the payment activity shown in the report and adds further confusion to the reporting. 

Given these inconsistencies, I respectfully request that this account be corrected to reflect on-time payment history for XX/XX/XXXX and that the potentially negative mark be removed from my credit file. I have enclosed a copy of the relevant section of my credit report for reference. 

Please reinvestigate this matter and provide a written response with the outcome of your investigation. Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: OH

Complaint narrative:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX . These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXXXXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$4500.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$2200.00} XXXX XXXX Date Opened XXXX XXXX, XXXX Balance XXXX XXXX Date Opened XX/XX/XXXX Balance {$21000.00} XXXX Date Opened XX/XX/XXXX Balance {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: NY

Complaint narrative:
I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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:
Entries for late payments appear on my report that I believe to be inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, my report is required to contain only information that is accurate, complete, and verifiable. I am requesting that these late payment entries be verified, and if they can not be confirmed, that they be corrected or 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 2025-04-21 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: CA

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 non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am reporting that my personal identifying information was used without my authorization, resulting in fraudulent accounts, inquiries, and negative entries being placed on my credit reports. I did not open or authorize the use of my information for the listed accounts, collections, or inquiries that are negatively affecting my credit profile. These inaccuracies have caused financial harm and do not reflect accounts or activities initiated or authorized by me. I am requesting that all items associated with the fraudulent activity be blocked and permanently removed from my consumer reports under FCRA Section 605B.

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