vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-06 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: LA

Complaint narrative:
I am writing to formally dispute and request the immediate removal of all inaccurate, fraudulent, or unauthorized negative items appearing on my credit reports with Equifax, Experian, and TransUnion. I am a documented victim of the Equifax data breach that occurred in 2017, which resulted in the exposure of my sensitive personal information. Since then, I have experienced multiple unauthorized and damaging actions on my credit 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 2025-07-06 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: Debt Recovery Solutions, LLC
State: MI

Complaint narrative:
I recently received a copy of my credit report & noticed several inaccuracies and unauthorized accounts/ information reporting to my credit report. These remarks have been detrimental to my life & credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting a formal complaint against Equifax for failing to remove a fraud alert, freeze, or file restriction from my credit report after receiving a verified and lawful request from me to do so. 

I do not authorize any alert, freeze, or block to remain on my credit file. These restrictions are currently preventing lenders from accessing my report and stopping legitimate credit updates including authorized tradelines, reporting accounts, and financial data. This is unlawfully interfering with my credit profile and financial activity. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-1 and 1681g, I have the right to : Remove any restriction or alert placed on my file Regain full access to my credit report and scores Permit full reporting, updates, and creditor access Despite providing multiple forms of documentation and a signed letter of revocation, Equifax has failed to remove the restriction. I am attaching : My government-issued photo ID ( black & white ) My Social Security card A current utility bill with my name and address My W-2 tax form A signed legal letter formally demanding removal

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint in connection with a disputed XXXX  student loan serviced by XXXX XXXX  that was unjustly charged off during a transitional period in which I was preparing to enter graduate school. 

In early XXXX, I contacted XXXX XXXX  to request a forbearance based on extenuating financial and educational circumstances. My first request was denied due to a technical error in the application. The second was denied because the loan had crossed the XXXX past due threshold even though I had been actively communicating and attempting to resolve the matter. 

In XX/XX/year>, a XXXX XXXX  representative acknowledged my circumstances in writing and confirmed that my repayment would be due in XXXX. Following a phone call with a representative, I was assured that if I brought the loan current to within XXXX  days past due, I would be eligible for forbearance. 

Acting on that guidance, I made multiple payments between XX/XX/XXXX and XX/XX/XXXX totaling {$450.00} toward a {$600.00} balance which, per their own criteria, should have brought the account within eligibility range for forbearance. I have attached a bank statement and email documentation confirming these payments and conversations. 

Despite this, XXXX XXXX  proceeded to charge off the loan in XXXX and still accepted my payment afterward despite being fully aware of my transition into XXXX XXXX, my repeated communication attempts, and the fact that I was acting in good faith based on their own guidance that this payment would qualify me for forbearance. 

I believe the charge-off was premature, harmful, and made in bad faith. XXXX XXXX  was fully aware of my consistent communication, intent to repay, and reliance on their own stated forbearance criteria. Their actions directly contradict the guidance I received and reflect a broader pattern of poor servicing and lack of transparency. My full credit report supports this, showing that XXXX XXXX  is the only creditor reporting adverse activityhighlighting how isolated and disproportionate their response was compared to my overall record of responsible financial behavior and how other servicers supported my transition into law school. 

I am requesting that XXXX XXXX  immediately : Remove the charge-off from my credit report, Issue a written correction to all credit bureaus, Provide confirmation to me and to XXXX XXXX XXXX XXXX that this account is no longer considered charged off. 

This dispute has placed my legal education and housing at risk. I have acted in good faith at every stage, and XXXX XXXX  mishandling of this situation should not cause long-term financial harm. Thank you for your attention to this matter.

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 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
2 student loans on my account that does not belong. I do not have any student loans. This Is in violation of FERPA family education right and privacy act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: NJ

Complaint narrative:
Jefferson 's Capital system account number XXXX I do not recognize this creditor requesting chain of custody I am formally disputing the following account on my credit report which I believe is inaccurate and should be removed and requesting forward flow agreement

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

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 2025-07-06 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: CA

Complaint narrative:
I sent out letters certified mail to each credit reporting agencies regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and everything as accurate. This is false because there a number of inaccuracies on my consumer report that still remain. They have failed to perform a proper investigation pursuant to 15 usc 1681 ( a ) ( 1 ) ( 5 ) .I am now requesting the description of the reinvestigation procedure pursuant to 15 usc 1681i ( 7 ). They have 30 days to respond the description or else above listed accounts need to be removed from my consumer 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 2025-07-06 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: CA

Complaint narrative:
I sent out letters certified mail to each credit reporting agencies regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and everything as accurate. This is false because there a number of inaccuracies on my consumer report that still remain. They have failed to perform a proper investigation pursuant to 15 usc 1681 ( a ) ( 1 ) ( 5 ) .I am now requesting the description of the reinvestigation procedure pursuant to 15 usc 1681i ( 7 ). They have 30 days to respond the description or else above listed accounts need to be removed from my consumer 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 2025-07-06 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: NC

Complaint narrative:
I have decided to report the credit bureaus for reporting inaccurate data on the accounts posted on my credit reports with Experian, XXXX XXXX XXXX According to the law FCRA all data must accurate and incomplete. Which means all accounts must have the exact information on each accounts. I am ware that the creditors are the ones who furnishes the information to the credit bureaus but XXXXXXXX XXXX XXXX XXXX publih the inconsistency for all accounts. This type of error affects my ability to buy a home and start a new business. This type of action is deframing my character as a consumer. 

The accounts that are inaccurate are the following XXXX XXXX - Account XXXX -- XXXX reporting inaccurate sate last active, payment history and date last payment. All of these notation are reporting inccurate. 

XXXX XXXX Account number- XXXX reported inaccurate dates for last active and last reported. 

I have included in the attached letter of all the inconsistecy in each accounts listed above

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 2025-07-06 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: IL

Complaint narrative:
I recently checked my credit report and notice inaccurate information that doesnt belong to me

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 2025-07-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: CA

Complaint narrative:
I will summarize what I have experienced in the last XXXX ( XXXX ) months. I had an outstanding loan with XXXX in the total amount of {$50000.00}. On XX/XX/XXXX I made a final payment in the amount of {$4100.00} to pay loan off in full. Paid in full receipt provided. I verified several times by checking my online account that there was no balance due. I continued to check until I was no longer able to access the account on line with XXXX. Sometime in XX/XX/XXXX I received an email from XXXX stating I had an amount due. FRAUD, immediately came to my mind since I paid my account in full back in XX/XX/XXXX. Note that I never received notice of any changes, invoices or change of lender. I sent emails and reported that it was fraud with no success. In XXXX I again tried unsuccessfully to access my XXXX account, to find out that it was closed. At calling studentaid.gov, I was not provided proper, clear nor specifics regarding the loan. Only the typical statement of you owe.. I could not even get the proper names or account number. This all made me feel even more uncomfortable. That is when I began the calls/correspondence to XXXX, XXXX and XXXX. 
I have sent letters with a copy of my paid in full receipt to EdFinancial, XXXX, Dept of Education and XXXX. No reply or response from anyone and return mail form XXXX and Dept of Education. 
Please advise me on what my options are.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
I had an account in collections for {$440.00} and I paid it down to {$200.00}. However, I was still having a hard time and the collection agency ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX  made an agreement to settle the account for {$180.00} on XX/XX/year> in exchange for removal of debt on my credit report. I paid the {$180.00} and the debt was never removed from my credit report. I went back to the collections account website and it said I had a balance of {$20.00}. That was not the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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:
Despite XXXX written requests, the unverified items still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly. You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. In Accordance with the Fair Credit Reporting Act these Creditors have Violated my rights under Title 15 U.S.C 1681 602 States I have Right to Privacy Title 15 U.S.C Section 604 ( a ) Section 2, it also States a Consumer Reporting Agency can not Furnish an Account without my Written Instructions Under Title 15 U.S.C 1666 ( b ) ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2025-07-06 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: CA

Complaint narrative:
I am filing this updated complaint against XXXX due to their continued attempts to collect and report a student loan debt that was lawfully canceled and reported to the IRS under Form XXXX ( Cancellation of Debt ) for tax year XXXX. The XXXX form I submitted was processed, accepted, and acknowledged by the IRS. 

Despite proper legal procedures under IRS guidelines, XXXX has : Acknowledged receipt of the XXXX through their customer service response but refused to honor or legally address it. 

Continued to attempt collection and send statements demanding payment. 

Failed to stop reporting this canceled debt to credit reporting agencies. 

Offered no statutory justification for rejecting the XXXX nor attempted to invalidate it under any IRS provisions . 

Their response to my original CFPB complaint simply stated that they were " unsure what I was hoping to accomplish, '' and reiterated that student loans are governed by the Higher Education Act. However, IRS Form XXXX is a federal tax document and must be treated as a legal cancellation of debt once accepted by the IRS. XXXX is not above federal tax law. 

This response was not only dismissive but raises serious concerns about : Fair Credit Reporting Act ( FCRA ) violations Fair Debt Collection Practices Act ( FDCPA ) violations Mail fraud ( 18 U.S.C. 1341 ) for knowingly sending collection notices on canceled debt I demand that XXXX immediately : Cease all collection efforts related to this account. 

Correct any credit reporting related to this discharged loan. 

Provide a legal explanation citing IRS rules if they continue to deny the cancellation. 

I am attaching a copy of the XXXX XXXX form for your records.

Resolution Requested :

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 2025-07-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dispute of Collection Account XXXX  Contract Law Dear Trans Union, I am writing to formally dispute a collection account listed on my credit report XXXX. 

XXXX  is a contract state, which means that for any debt to be valid and enforceable, there must be a signed contract between the original creditor and myself. I have never entered into such a contract, nor have I authorized any third-party collection agency to collect this alleged debt. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that this account be investigated and removed from my credit report immediately unless valid documentationsuch as a signed contractis provided showing that I am legally obligated to pay this debt. 

Please complete your investigation within the required 30-day timeframe and provide written confirmation of the outcome. 

Thank you for your attention to this matter.

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 2025-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
The item was cancled an i never received a XXXX XXXX. Approximately XXXX yrs ago. Tried contacting the merchant an no response. Affirm has it charged on my credit. An i have tried resolving the issue but neither party has attempted to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: PA

Complaint narrative:
I am unaware of this debt and didnt have the opportunity to dispute it. If you believe that you sent proper notification, please provide certified mail with receipt displaying my signature if not, please delete this account from my credit report as soon as possible or I will have to take legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint because my credit report contains an unauthorized student loan account that I never gave permission to be reported. XXXX XXXX XXXX XXXX XXXX XXXXXXXX unlawfully shared my personal information with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX without my consent violating the Family Educational Rights and Privacy Act ( FERPA ). This is privacy violation led to the reporting of a student loan account on my credit file without my authorization. I did not provide written consent to the credit bureaus to report this account. Nor did I authorize XXXX or XXXX XXXX XXXX XXXX to disclose my personal identification information. This is a violation of FERPA and the FAIR CREDIT REPORTING ACT ( FCRA ). I have already filed an FTC Identity theft report Reference number ( XXXX ) regarding this privacy violation. I am demanding the immediate removal of this student loan account from my credit report as it was reported unlawfully and I am requesting a full investigation into this matter.

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