vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-11 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: FL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
XXXX XXXX ( 1692g Validation of Debt ) Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Tx, XXXX. 
XXXX : XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX. 

I received a copy of my credit report and found the following items to be errors. The items in question are listed below : Crditor Name : JEFFERSON CAPITAL SYSTEM Account Number : XXXX Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATION associated with these accounts, such as an ORIGINAL CONTRACT BEARING MY SIGNATURE. I formally request that this information be immediately corrected or deleted from the credit file you maintain under my social security number. 

Please note that you have 30 days to complete your investigation as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ). I am keeping a careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this letter will result in a small claims action against your company. I will be seeking damages for : Defamation Violation of the Fair Credit Reporting Act Please be aware that, depending upon your response, I may be detailing any potential issues with your company via the XXXX XXXX XXXX 

Additionally, please remove all non-account holding inquiries over 30 days old. 
Thank you for your cooperation in this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have submitted a formal report via email to clarify the misinformation provided by the credit bureau. This dispute concerns an error on my credit card statement. Although I have requested an investigation, the issue has been overlooked by the company. I request your prompt review of this matter and ask that you provide a confirmation receipt as proof of acknowledgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
This is my second CFPB complaint regarding student loan interest accruing during SAVE litigation forbearance. In XX/XX/XXXX, Aidvantage increased my outstanding balance by {$160.00}. On XX/XX/XXXX, I contacted Aidvantage to request a reversal of the improper interest. Aidvantage stated that there was a " balance reduction '', and that a " correction '' happened on XX/XX/XXXX. My account history does not show either a balance reduction or correction. I asked Aidvantage to provide documentation, including dates and amounts of the " balance reduction '' and " correction '', but Aidvantage has refused to provide documentation. Numerous phone calls and chats with Aidvantage representatives show that the accrued interest should be reversed. Instead of fixing the mistake, Aidvantage retaliated by sending me delinquency notices for a loan program I am not a part of.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: GA

Complaint narrative:
I am writing to dispute inaccurate personal information and unauthorized credit inquiries appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I request an immediate investigation and correction of the following incorrect personal information and removal of any unverifiable or unauthorized credit inquiries. 

XXXX. Incorrect Personal Information : The following names and addresses do not belong to me or are inaccurately reported : Incorrect Names Associated with My Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 names and addresses are either not mine or are inaccurately reported. Per FCRA 609 ( 15 U.S.C. 1681g ), I request that you provide documentation verifying that I am associated with these names and addresses. If you can not verify them, they must be immediately removed from my credit file. 

XXXX. Unauthorized Credit Inquiries : Additionally, the following credit inquiries were made without my authorization and should be removed 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 Under FCRA 604 ( 15 U.S.C. 1681b ), a credit bureau may only provide my credit report if a permissible purpose exists. Since I did not authorize these inquiries, I request their immediate removal. If you can not provide verifiable proof that I consented to these inquiries, they must be deleted from my credit report under FCRA 611. 

Request for Action : 1. Remove all incorrect names and addresses from my credit report. 


2. Remove all unauthorized inquiries from my credit report.

3. Provide documentation verifying any information you choose to retain.

4. Confirm these corrections in writing within 30 days, per FCRA 611.

Failure to comply with this request will result in my filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. Please send all correspondence to the address listed above. 

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 2025-03-11 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 explanation
Consumer complaint received 2025-03-11 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:
XX/XX/year>, I received a letter notifying me of fraudulent activity after a medical company 's account was hacked. I requested my credit report from the three major agencies. Disputed the incorrect info., received follow-up from XXXX XXXX and XXXX XXXX Tried to log on to my account with Experian of 6 years only to find someone has fraudulently acquired my account and changed my profile information. I then exhausted all known phone numbers to contact Experian to no avail. I wrote four letters and sent by USPS. Later found an email contact and started a thread, which then was told to email my account number and personal info for verification. No action, was told it's a timely process, I must wait my turn. Later was told to upload verification info again. I did, still 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 explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
My account has been locked for the last month and a half due to fraud, ive provided my last 4 of my SSN, my address, my birth date, my debit card, my name, my security word, and they still couldnt verify me, i have absolutely no way of accessing my money and they said it would be lost forever if i cant provide them a reference code i was supposed to get in the mail weeks ago, this is outrageous, i just want them to close the account and give me my money at this point.

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 2025-03-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: CA

Complaint narrative:
On XXXX XX/XX/year>, I received 10 separate alerts from XXXX credit monitoring regarding past due accounts with the Department of Education ( Dept of ED ) / Nelnet. This was the first notification from this lender that I had received through a credit bureau within the last five years. 

Upon receiving these alerts, I attempted to verify my account information through the following methods : Telephone : I called the numbers available for Dept of ED / Nelnet but was unable to verify my information through the automated system. Additionally, no live person was available to assist me. 
Website : I attempted to access my account information via Nelnet 's website. However, I was unable to log in, create an account, or retrieve my username or password. On a mobile device, the retrieve username and password options led to a blank page, and on a desktop, they resulted in a 503 error : " This page isnt working right now. XXXXnelnet.XXXX can't currently handle this request. HTTP ERROR 503. '' On XXXX XX/XX/year>, still unable to contact the lender or access my account information, I wrote three letters with the subject " Inaccessibility of Account Information and Potential Reporting Irregularities '' and mailed them to the following addresses : Attn : Enrollment Processing, XXXX XXXX XXXX, XXXX, XXXX XXXX California Residents XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Nelnet Attn : Claims, XXXX XXXX XXXX, XXXX, XXXX XXXX As of today, XXXX XX/XX/year>, I have not received a reply to any of this correspondence. I am still unable to access any account information via telephone or the website. My only form of communication with this lender is through the negative information they continue to report to XXXX, including balances reported today, none of which I am able to verify. 

Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: CA

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: AK

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts resolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my evidence, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-03-11 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: NJ

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 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 explanation
Consumer complaint received 2025-03-11 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: NJ

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: CO

Complaint narrative:
I've been having issues with Affirm since XX/XX/year>. I returned an item and was issued a refund for {$25.00}. Affirm refuses to help or issue a refund. I've wasted hours trying to resolve this issue! 

I have multiple cases. Both were closed with no response from Affirm. 

Case ID XXXX Case ID XXXX I reached out again and spoke with XXXX XXXX who refuses to answer my questions. He keeps lying and asking for information that has already been provided. I have attached screenshots and can provide additional proof as well. 

I tried reaching out on XXXX and all they do is delete comments. All the comments are people complaining about Affirm and the issues they are also experiencing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 explanation
Consumer complaint received 2025-03-11 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 2025-03-11 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: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

There are inaccurate late payments being reported on my credit report that need to 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 2025-03-11 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: MRS BPO, LLC
State: MI

Complaint narrative:
There was a negative inquiry on my report a collections for a company that I had no legal dealings with. I contacted them on XX/XX/2025 under the guidelines and admission of doing a pay to delete after payment was initiated. The customer service representative provided me with a receipt. 

Upon further inspection, I contacted the original collections company which was XXXX XXXX XXXX. after verifying my account, I let the representative know that I paid the debt and that all my legal obligations were fulfilled and I didnt want any hindrance on my report the customer service representative then let me know that XXXX XXXX does not do pay to delete and if they did, I do not qualify. 

With the information at hand, I contacted the collection agency and I asked for a refund. They said that the payment has already processed and that they were never doing a pay to delete and the account will be changed to paid as agreed and will reflect on my credit report for seven years after letting the representative know that severity of my situation he provided me with a release of debt form instead of a pay to delete. 

Under 15 U.S.C. 6801-6802, financial institutions are required to implement safeguards to protect consumer information and ensure the fair and lawful handling of data. As a consumer, I have not received proper notification regarding this charge-off, nor have I been provided the necessary disclosures required by law to verify its accuracy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. 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 explanation
Consumer complaint received 2025-03-11 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. 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