vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 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: GA

Complaint narrative:
I submitted certified letters that were ignored because the bureaus will not acknowledge receipt of my letters or accept my ID, Birth certificate and Social security card as identification for concerns of reinserted information, markings updated from unknown to derogatory in retaliation, incorrect information on balances known to be unverified because they are incorrect and reflect direct information across several platforms. The bureau is now retaliating and also allowing comments such as resolved by the grantor. The grantor can not resolve an investigation when they are lying about the balance. And continuing to add items, change information, refuse to remove information that had incorrection reflection of credit profile causing negative effects on employment, housing, insurance, etc and comments without following all of the proper steps, ignoring proper verification, investigation, proof and improper comments especially from XXXX where all payments were paid on time even after the account was closed by XXXX and continued to take payment, and closed the account as the representatives told me due to what the three bureaus told them about my other accounts when I have XXXX and out right ignoring the letters and retaliating or changing information Federal Consumer Laws 15 US Code 605B, US Code 6802, US Code 1637B, US Code 1681A ( 2 ) i, US Code 1666b

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I submitted certified letters that were ignored because the bureaus will not acknowledge receipt of my letters or accept my ID, Birth certificate and Social security card as identification for concerns of reinserted information, markings updated from unknown to derogatory in retaliation, incorrect information on balances known to be unverified because they are incorrect and reflect direct information across several platforms. The bureau is now retaliating and also allowing comments such as resolved by the grantor. The grantor can not resolve an investigation when they are lying about the balance. And continuing to add items, change information, refuse to remove information that had incorrection reflection of credit profile causing negative effects on employment, housing, insurance, etc and comments without following all of the proper steps, ignoring proper verification, investigation, proof and improper comments especially from XXXX where all payments were paid on time even after the account was closed by XXXX and continued to take payment, and closed the account as the representatives told me due to what the three bureaus told them about my other accounts when I have XXXX and out right ignoring the letters and retaliating or changing information Federal Consumer Laws 15 US Code 605B, US Code 6802, US Code 1637B, US Code 1681A ( 2 ) i, US Code 1666b

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 2025-05-22 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: Alorica Inc.
State: CT

Complaint narrative:
I called XXXX XXXX  XXXX about their report on my credit reports. I was told I had no account and they could not help me. I did not need to worry about it. 

I called again and they reiterated I had no account. This has been reported XXXX times on my credit report under XXXX XXXX, XXXX XXXX, and SST. Last year, XXXX XXXX XXXX filed a suit for this credit amount. I disputed it as I tried to pay it. XXXX dropped the case. 

XX/XX/year> these have appeared on my credit report, seriously affecting my score and mortgage /rent opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: AL

Complaint narrative:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights "

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 2025-05-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
Im receiving phone calls to pay Ace XXXX  for a loan. I didnt take out

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Im reaching out because I just noticed a credit inquiry from your company on my reportand Im going to be absolutely clear : I never gave you permission to pull my credit. I didnt apply for anything, I didnt authorize this, and I had no interaction with your company that would justify you accessing my personal information.

This inquiry is unauthorized, and as far as Im concerned, its fraudulent.

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 2025-05-22 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: NC

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: NY

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-05-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: IN

Complaint narrative:
I am filing this complaint due to serious concerns regarding the mismanagement of my student loans, which have been compounded by the Department of Education 's recent data breach. As a borrower, I trusted the federal student loan system to safeguard my personal and financial information. The breach not only compromised that trust but has left borrowers like myself more vulnerable to identity theft, loan errors, and financial instability. 
In addition, these loans are significantly impacting my ability to move forward in life, particularly when it comes to qualifying for a mortgage. Despite maintaining stable employment and working to improve my credit, my student loan debt continues to be a major barrier. Mortgage lenders have denied me financing due to my student loan balance and the inconsistent reporting by loan servicers. This debt is not only financially crippling, but it is also emotionally draining and preventing me from building a stable future for myself and my family. 
One major issue I experienced was being automatically opted into receiving loan communications via email instead of paper mail, without my knowledge or consent. As a result, I missed critical updates regarding repayment deadlines, status changes, and servicer updates. This lack of communication caused me to fall behind unintentionally and created confusion around the status of my loans. I never agreed to go paperless, and had I received proper mailed notices, I would have been in a better position to stay informed and avoid unnecessary penalties or credit damage. 
Ive also dealt with poor communication, misleading guidance, and inconsistent servicing including multiple servicer transfers where essential documentation was lost or delayed. Ive been placed in forbearance or deferment unnecessarily, and my requests for repayment plan adjustments or accurate reporting have been mishandled or ignored. The cumulative result has been long-term damage to my credit, financial well-being, and homeownership goals. 
Given the Department of Educations failure to protect borrower data, the mishandling of loan servicing, and the harm caused by communication failures, I am formally requesting an investigation into my account and a reconsideration of the legitimacy and enforceability of these loans. I believe loan discharge, forgiveness, or another form of relief is justified based on the misconduct and the substantial harm Ive endured. 
I respectfully ask that the CFPB advocate for borrowers affected by these systemic failures and hold loan servicers accountable for the barriers they continue to impose on responsible, hard-working individuals like myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I XXXX  where the fee-free XXXX ATMs are. I've gone to three of them and there are not XXXX XXXX  ATMs there as indicated on the XXXX locator online? Today is Thursday XX/XX/year> 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 2025-05-22 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: OH

Complaint narrative:
This is a formal follow-up to my previous dispute regarding the continued and inaccurate reporting of an unverifiable negative item on my credit report.

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 2025-05-22 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: OH

Complaint narrative:
This is a formal follow-up to my previous dispute regarding the continued and inaccurate reporting of an unverifiable negative item on my credit report.

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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-05-22 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: SC

Complaint narrative:
I need your assistance in looking into accounts from these companies that have inaccurately reported late payments. I checked my credit report and found certain accounts marked late, which is incorrect. These late payment remarks should be removed, and the accounts should be updated to reflect a positive, paid as agreed status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
WAKEFIELD & ASSOCIATES has violated my rights as a consumer and failed to properly investigate the inaccurate and incomplete information I disputed and they continued to collect on the debt while it was in dispute. They have violated 15 usc 1681s-2b for failure to conduct a proper investigation and considering all relevant information regarding the dispute. If this is not removed from my credit report I plan on taking them to arbitration using the original creditors agreement since I have the right to do so. Not only have they failed to conduct a proper investigation. They have also lied about who actually owns the debt. See these debts have been securitized by XXXXXXXX XXXX XXXX XXXXXXXX and were sold to a trust for a pool of investors. Although XXXXXXXX XXXX XXXX XXXX is acting as a service officer they illegally sold the debt to WAKEFIELD & ASSOCIATES I demand to see the chain of assignment and purchase agreement to see who really sold the debt to WAKEFIELD & ASSOCIATES If WAKEFIELD & ASSOCIATES does not legally own the debt then this is a violation of 15 usc 1692e.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: Tesani Management Inc
State: ID

Complaint narrative:
I desperately needed money for medical expenses. So I found this company. XXXX XXXX They approved my loan of {$1600.00} even though my credit score is in XXXX. AnywhoI got very sick and had terrible XXXXXXXX XXXX XXXXXXXX. I had totally forgot about the loan. Wellafter sometime XXXX I received a court summons in the mail for this company I had went through for the predatory loan. Said I was going to court and being sued because I hadnt paid loan. I contacted them to hopefully resolve this reasonably. However they said I now owed them {$5300.00} due to interest. No how in the world is this possible. Something has to be done please. I cant make this payment. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Raymour and Flanigan ( TD BANK ) System error caused {$30.00} late fee last year, I called in right after and they said they will waive it and it was due to system error. They told me to pay my normal amount! I did so over the phone. They said it may take a bit to reflect on my account so I waited for the corrections to post. It was still there the next month, called in a second time and was assured it would be sent to the " higher ups '' and removed. I paid my regular bill for the second time over the phone and was told I was fine. Fast forward to XXXX of this year, I was then hit with two 30 day late payments by them on my credit report from this late fee that their system error caused. 

I sent in two separate Credit dispute forms to TD Bank. First in XXXX, second about 45-50 days ago. I have not received any calls from them as their website state that I will be contacted in 30 days. I was not I had to call in myself. After being given the run around I was told that there was no info on the decision and that I should be getting a call or a letter. How long is this going to take, I cant wait any longer on a " I should be getting this or that ''. 

This has been an absolute nightmare. They lowered my credit limit almost {$5000.00} due to these late payments they caused. The domino effect followed and my other cards have now dropped limits due to their false reporting of info. My credit has been destroyed and they have not helped me or made this easy in the slightest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-22 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: SC

Complaint narrative:
I need your assistance in looking into accounts from these companies that have inaccurately reported late payments. I checked my credit report and found certain accounts marked late, which is incorrect. These late payment remarks should be removed, and the accounts should be updated to reflect a positive, paid as agreed status.

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 2025-05-22 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: NY

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX XXXX that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 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 2025-05-22 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: TX

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 explanation
Consumer complaint received 2025-05-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, GA XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Immediate Removal of Unauthorized or Inaccurate Hard Inquiries Dear Experian Dispute Department, I am writing to formally dispute several hard inquiries that appear on my credit report. I have reviewed my credit file and found inquiries listed that I did not authorize and that are inaccurate. Under the Fair Credit Reporting Act ( FCRA ), only inquiries authorized by the consumer or made in connection with a firm offer of credit for which the consumer has applied are legally permissible. 

The following inquiries were not authorized by me, and in several cases, I did not apply for any credit or services with these companies : Unauthorized/Inaccurate Inquiries : 1. XXXX XXXX Date of Inquiry : XX/XX/XXXX 2. XXXX Date of Inquiry : XX/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