vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 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:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer : Experian * * * * * XXXX XXXX  -Account info -Account number : XXXX * * * * - {$7300.00} -Date opened : XX/XX/XXXX XXXX XXXX XXXX -Account info -Account number : XXXX * * * * - {$7800.00} -Date opened : XX/XX/XXXX XXXX FORMERLY XXXX Acct XXXX XXXX number : XXXX * * * * - {$0.00} XXXX opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Acct info -Acct number : XXXX * * * * - {$0.00} -Date opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Acct info -Acct number:2681 * * * * - {$1300.00} -Date opened : XX/XX/XXXX XXXX XXXX XXXX Acct XXXX XXXX number : XXXX * * * * - {$700.00} -Date opened : XX/XX/XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX * * * * - {$3600.00} -Date opened XXXX XX/XX/XXXX Transunion : XXXX XXXX XXXX Acct XXXX XXXX number : XXXX * * * * - {$3600.00} -Date opened : XX/XX/XXXX XXXX XXXX XXXXXXXX Acct XXXX XXXX number : XXXX * * * * - {$0.00} XXXX opened : XX/XX/XXXX XXXX XXXX XXXX Acct info -Acct number : XXXX * * * * - {$200.00} -Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Acct info -Acct number : XXXX * * * * - {$0.00} XXXX opened : XX/XX/XXXX XXXX XXXX XXXX Acct info -Acct XXXX * * * * - {$1300.00} -Date opened : XX/XX/XXXX XXXX XXXX XXXX Acct XXXX XXXX number : XXXX * * * * - {$700.00} -Date opened : XX/XX/XXXX Equifax : XXXX XXXX -Account info -Account number : XXXX * * XXXX * - {$1000.00} -Date opened : XX/XX/XXXXXXXX XXXX Acct info -Acct number : XXXX * * * * - {$0.00} XXXX opened : XX/XX/XXXX XXXX XXXX XXXX -Account info -Account number : XXXX * * * * - {$7800.00} -Date opened : XX/XX/XXXX XXXX FORMERLY XXXX Acct info -Acct number : XXXX * * * * - {$0.00} XXXX opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: LA

Complaint narrative:
I have disputed a collection on my XXXX  account multiple times. The collection agency is I.C. Systems inc and I have contacted them directly and explained that my personal information was compromised in a data breech at XXXX XXXX XXXX in XXXX. The collection agency then informed that the collection cost in dated from the same year. I informed them that the account doesnt belong to me and they refused to provide to me any documents or bills from XXXX  XXXX XXXX XXXX the collection amount and refused to accept any proof I have of my information being compromised. Please note that the document attached was notified to me from the credit bureaus.

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 2025-06-10 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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:
XXXX XXXX XXXX is reporting an eviction-related collection for {$18000.00} that I do not recognize. I was never contacted prior to this being reported. I requested validation of this debt through XXXX and directly from the furnisher but have received no documentation, contract, or proof that I owe this amount. The collection is severely damaging and may be inaccurate, incomplete, or unverifiable under the FCRA. 

This collection appears to have been added without prior notice or proper documentation. I never received any statements, lease breakdowns, or legal notice. I also did not authorize XXXX XXXX XXXX to report on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been trying to get these accounts removed from my credit report and yet experian is not removing them. They have now caused for me to not be able to get an apartment. My information was exposed in a data breach and I had identity several years ago. Both of these things could contribute to me having these inaccurate accounts yet experian still providing this information to their screening companies. I would like for these accounts to be deleted immediately due to their inaccuracy : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( this account reported the wrong amount owed they were suppose to get me the correct asmount and insted reporedted it to collections ).

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 2025-06-10 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: MD

Complaint narrative:
I am following up on my previously submitted dispute regarding inaccurate and unverifiable accounts on my credit report, which remain unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: TX

Complaint narrative:
I RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SIMM Associates, Inc.
State: TX

Complaint narrative:
SIMM Associates emailed me out of the blue to try and collect on {$160.00} for XXXX XXXX XXXX out of XXXX. I informed the company I do not live in XXXX and was not aware what they could be collecting on. They asked me to verify personal information which I refused as I am not sure what they are trying to collect. I asked them to send detailed information to the address on file and was informed they couldnt do that because they werent sure it was the right address. The lady then told me she was ending the call because I wouldnt provide information. I have also called XXXX XXXX in XXXX and have not received a call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: TX

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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:
Improper and illegal use of personal information, the debt was sold off before the car was repossessed. I never agreed to share my personal information with the buyer of the auto debt. I am asking the account to be removed due to illegal practices

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 2025-06-10 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: TX

Complaint narrative:
Improper and illegal use of personal information, the debt was sold off before the car was repossessed. I never agreed to share my personal information with the buyer of the auto debt. I am asking the account to be removed due to illegal practices

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 2025-06-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Optio Solutions, LLC
State: FL

Complaint narrative:
In XX/XX/XXXX, my roommate ( XXXX XXXX ) and I moved out of an apartment we leased jointly. Shortly after vacating the unit, we received a move-out statement from the apartment management stating we owed {$150.00} for damages. This amount was paid in full directly to the apartment complex via their official resident portal. I have attached supporting documentation, including email correspondence, payment confirmation, bank statements, and portal screenshots, as evidence of this payment. 

Despite fulfilling this obligation, I discovered in XX/XX/XXXX that a {$150.00} collection account had been reported to my credit by XXXX XXXX XXXX on behalf of a creditor listed as XXXX XXXX. I have no knowledge of this entity. The apartment we rented was named XXXX XXXX, and at no point during or after our lease were we made aware of any association with XXXX XXXX. 

In XXXX and XXXX of XXXX, my roommate and I received vague and unsolicited emails from XXXX XXXX XXXX claiming there was an outstanding balance with XXXX XXXX. Because we had already paid the full amount owed through the proper channels, and due to the unfamiliar sender name and entity, we reasonably believed these messages to be fraudulent or spam. 

At no time did I receive any formal or physical notice regarding this alleged debt, nor was I given an opportunity to dispute it prior to its appearance on my credit report. This is a serious violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 

I am formally requesting the immediate removal of this inaccurate and unsubstantiated collection account from my credit report. The reported debt is invalid, was already paid in full to the original service provider, and was never owed to any third-party collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: TX

Complaint narrative:
I am a XXXX XXXX XXXX enrolled at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have a private Sallie Mae student loan, and I am legally unable to work in my current location. I have no financial support from my family, friends, or co-signers, none of whom are financially able to assist me. Despite my persistent financial hardship, Sallie Mae has repeatedly denied my requests for assistance.

Timeline of Events : XX/XX/XXXX : I was placed into a loan modification program for the first time. 

XX/XX/XXXX : I was placed into a second loan modification plan. 

XX/XX/XXXX : I was told I did not qualify for the rate reduction program and would need to reapply as well as I was not showing up as enrolled in school and not fasting a hardship and did not qalify for the hardship relief program. 

XX/XX/XXXX : I was told a rate reduction program expired and that I would receive notice by email. Despite multiple follow-ups, I never received this letter, though Sallie Mae agents continue to claim it was sent. 

XX/XX/XXXX :, XXXX : I contacted Sallie Mae and was told I needed to wait until I was further delinquent to be considered for assistance. I was also told to call back or reassessment. 

XX/XX/XXXX : I spoke to a manager who confirmed my loan was 44 days past due with a balance of {$670.00} and a monthly payment of {$200.00}. He told me I could not be placed into any assistance program because I had used my two lifetime modifications. I asked for documentation of this policy, and he admitted no public documentation exists.

Also was told I still not eligible for any program because I had not met enough payment history or elapsed enough time since the last plan ended.

Issues and Concerns : Lack of Transparency : Sallie Mae has not provided written documentation about lifetime limits on hardship programs, despite stating these policies exist.

There is no accessible policy language on their public site explaining why I am disqualified or how to regain eligibility.

Inconsistent and Conflicting Information : I have been told by different agents that I could requalify after delinquency and to call back next cycle, only to be later told I am permanently ineligible.

I have call logs and transcripts documenting this inconsistent guidance.

Failure to Provide Proper Notice : I never received the promised XX/XX/XXXX rate reduction expiration notice.

Despite repeated requests, Sallie Mae could not confirm it was actually delivered.

Unreasonable Burden on a Financially Distressed Borrower : I am a full-time student with no income, no ability to work, and no financial help. Sallie Mae continues to expect payment without providing any realistic options for temporary relief.

My credit is now at risk, and I am repeatedly called during class hours despite asking for accommodations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: UPGRADE, INC.
State: NY

Complaint narrative:
I am filing this complaint against Upgrade , Inc. ( XXXX XXXX ) and XXXX XXXX due to deceptive sales tactics, misrepresented financing terms, and unfair interest charges related to a purchase that has since been returned. 

Summary of Events : While onboard a cruise, I made a jewelry purchase through XXXX XXXX and financed it using Upgrade XXXX XXXX for an amount of {$13000.00}, on XX/XX/year>. 

I specifically stated to the XXXX  sales associate that I would only proceed with the purchase if I could finance it over XXXX  months with no interest. 

The associate confirmed that was possible, but once the application began, that option did not exist. When I voiced concern, he reassured me that I could either pay more toward the balance or contact XXXX and they would adjust it. 

I completed the purchase in good faith, but contacted Upgrade that same night to request a XXXX, no-interest loan plan instead. I was told that no changes could be made and that my only option was to cancel the loan, which I could not do because XXXX would not accept a return onboard. 

Lack of Disclosure & Delayed Return Policy : At the time of purchase, no return or refund policy was provided or explained. 

I did not receive any policy until nearly XXXX hours later, which is unacceptable for such a high-value purchase. 

While still onboard, I contacted XXXX support team and spoke to staff in person about how to return the items. I was told to wait until returning home to initiate the return. 

I followed that instruction and promptly submitted the refund request immediately after returning home. 

Ongoing Issue with Upgrade : Despite proof that the items have been returned and a refund is being processed, Upgrade XXXX XXXX XXXX XXXX has continued to charge me interest, totaling approximately $ XXXX. 

By the time the refund is processed ( which may take up to XXXX  days, XXXX from the time I had to ship the items back and wait for XXXX to initiate the refund process ), I will have paid {$600.00} {$750.00} in interest for merchandise I do not have. 

Upgrade has confirmed that they will not pause interest charges, and will not refund any interest, even with documented proof that the product has been returned and a refund is pending. 

Why This Is Unfair and Unethical : Both XXXX and Upgrade are responsible for the financial loss and stress caused by : XXXX  misrepresentation of financing terms and pressuring me into completing the loan application under false pretenses XXXX failure to disclose a return/refund policy at the time of sale Upgrades refusal to modify, pause, or refund interest charges, despite knowing the product was returned A combined system where the consumer is unfairly penalized while the merchant and lender benefit from delays outside the buyers control

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: SC

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request proper resolution. 
Unauthorized inquiries to be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: FL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-06-10 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: IN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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