vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-23 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: VA

Complaint narrative:
On XXXX, I contacted all three credit bureau ( Transunion, Equifax, Experian ) each by phone informing them that there are numerous inquiries on my credit report from companies that I did not give permission to run a credit check. I informed all XXXX credit bureaus that I recently sort an equity loan on my mortgage and was denied. XXXX of the main reasons for the denial was the amount of inquiries on my credit report. I informed the credit agencies that the majority of those inquiries I did not give authorization and I want them removed immediately. I ran off a list of inquiries that I did not authorized. I received an email from the credit bureaus indicating an important message is awaiting for me and that I should log into my account. I logged into my account and read a message stating that inquiries have to remain on my credit report for up to XXXX  years. I found this message upsetting especially after i informed the credit bureaus that I did not authorized these inquiries. 
The companies that did not have authorization to run my credit are listed below : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX Companies XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Used XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX Companies XX/XX/XXXX Experian XXXX XXXX XXXX XXXX Companies - non specific XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Companies XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Equifax XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX and XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: VA

Complaint narrative:
On XXXX, I contacted all three credit bureau ( Transunion, Equifax, Experian ) each by phone informing them that there are numerous inquiries on my credit report from companies that I did not give permission to run a credit check. I informed all XXXX credit bureaus that I recently sort an equity loan on my mortgage and was denied. XXXX of the main reasons for the denial was the amount of inquiries on my credit report. I informed the credit agencies that the majority of those inquiries I did not give authorization and I want them removed immediately. I ran off a list of inquiries that I did not authorized. I received an email from the credit bureaus indicating an important message is awaiting for me and that I should log into my account. I logged into my account and read a message stating that inquiries have to remain on my credit report for up to XXXX  years. I found this message upsetting especially after i informed the credit bureaus that I did not authorized these inquiries. 
The companies that did not have authorization to run my credit are listed below : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX Companies XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Used XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX Companies XX/XX/XXXX Experian XXXX XXXX XXXX XXXX Companies - non specific XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Companies XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Equifax XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX and XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX Equifax

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 2025-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
Complaint against Navy Federal Credit Union ( NFCU ) and XXXX XXXX XXXX ( XXXX ) for multiple violations of consumer protection laws and unfair practices. Below are the details of my complaint : Account Information : Account Number : XXXX Original Creditor : Navy Federal Credit Union Current Debt Collector : XXXX XXXX XXXX Timeline of Events : XX/XX/XXXX : I sent a Cease & Desist Notice to NFCU via certified mail ( Receipt No. XXXX XXXX XXXX XXXX XXXX ). 
XX/XX/XXXX : NFCU responded but failed to provide the requested debt verification. 
XX/XX/XXXX : I sent a bona fide dispute notice to NFCU via registered mail ( No. XXXX ). 
XX/XX/XXXX : NFCU deemed the account a loss but did not issue a Form XXXX. 
XX/XX/XXXX : NFCU sold the account to XXXX despite the unresolved dispute. 
XX/XX/XXXX : My vehicle was repossessed by XXXX XXXX without proper documentation. 
XX/XX/XXXX : I filed a formal complaint with the XXXX against XXXX ( ID # XXXX ). 

Specific Violations : NFCU 's consumer contract lacks the FTC 's Holder Rule notice ( XXXX CFR XXXX ). 
NFCU failed to honor my cease and desist notice ( 15 USC 1692c ). 
NFCU and XXXX misrepresented the debt 's validity ( 15 USC 1692e ). 
XXXX attempted to collect disputed amounts ( 15 USC 1692f ). 
The repossession was conducted without proper documentation and potentially breached the peace. 
NFCU failed to issue Form 1099-C for the canceled debt. 
NFCU sold the debt to XXXX despite an unresolved bona fide dispute. 

Requested Actions : Investigate NFCU 's compliance with consumer protection laws, particularly regarding contract disclosures and debt validation practices. 
Review the legality of the debt sale to XXXX given the outstanding dispute. 
Examine the repossession process for compliance with state laws and FDCPA requirements. 
Assess the validity of the debt considering the UCC 3-311 accord and satisfaction claim.

Evaluate NFCU 's failure to issue Form 1099-C for potential tax reporting violations. 

Supporting Documentation : Copies of all notices sent to NFCU and XXXX Original credit agreement with NFCU Records of payments and communications with NFCU Details of the repossession incident UCC filing information ( Book/Page # GI XXXX, dated XX/XX/XXXX ) I respectfully request that your agency investigate these matters thoroughly and take appropriate action to ensure compliance with federal and state consumer protection laws while providing me with just and equitable relief for the harm caused by these violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: NY

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.

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 2025-03-23 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: Servicer under contract with Federal Student Aid
State: MI

Complaint narrative:
Dept of Education published/ or printed said information without my written consent. 
Personal information involved in Data breach

Company response to consumer: Untimely response
Consumer complaint received 2025-03-23 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 am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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 am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 2025-03-23 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: IL

Complaint narrative:
Subject : Request for Removal of Unauthorized Credit Inquiries Dear TransUnion, I am writing to formally request the removal of certain unauthorized credit inquiries from my TransUnion credit report. While I do have accounts with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, I did not authorize the hard inquiries listed below and request their removal : XXXX. XXXX XXXX Inquiry Date : XX/XX/year> XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/year> XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/year> XXXX. XXXX XXXX Inquiry Date : XX/XX/year> XXXX. XXXX XXXX Inquiry Date : XX/XX/year> As per the Fair Credit Reporting Act ( FCRA ), I am disputing these inquiries because they were not authorized. My FTC Identity Theft Report Number is XXXX, which further supports my claim that these inquiries should 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 non-monetary relief
Consumer complaint received 2025-03-23 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am filing a formal complaint against Equifax for failing to comply with federal regulations regarding my credit report. I submitted the necessary information, and Equifax did not respond within the legally required XXXX period. Under the law, this failure means the disputed information BELOW must be removed from my report. 

Equifax also falsely claims that I am not in their database, yet they continue to report the following accounts : see enclosure XXXX XXXX XXXX  {$1500.00} ( Terms Frequency : " Unknown '' ) XXXX XXXX {$1200.00} ( Paid in settlement, written off ) By law, the XXXX account should have been removed. Additionally, due to XXXX XXXX XXXX 's involvement, XXXX XXXX XXXX collection efforts appear to be a duplicate attempt to collect a debt that was already settled. 

Furthermore, Equifax claims I have only one negative mark and no collections, yet both XXXX and XXXX XXXXXXXX XXXX are still listed. XXXX XXXX XXXX continues to call me daily despite this matter being legally resolved. 

An attorney who sued XXXX XXXX XXXX on my behalf stated : " One of the terms of the settlement for the defendant listed above was that the debt would be waived or the tradeline deleted. Please send us a copy of your credit report so we may review your reports to make sure this is done. '' I request that the CFPB take immediate action to ensure Equifax complies with the law by removing these accounts and ceasing their ILLEGAL stall tactics. I am prepared to provide a copy of my credit report upon request to facilitate this review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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: NY

Complaint narrative:
i am a victim of identity theft and data breach i wish to block these unauthorized accounts from my credit profile usc frca 15 60XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
i am a victim of identity theft and data breach i wish to block these unauthorized accounts from my credit profile usc frca 15 60XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Good afternoon, My account appears closed on my credit report : Wells Fargo Credit Card I have sent you two physical letters and a fax requesting Form 1099C, but I have not received any response, either negative or positive. 

The account has been closed since last year, and I want to use that form to file my XXXX taxes, which are only due by XX/XX/XXXX. 

I would like to know if I can access this document through you. 

Thank you very much.

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 2025-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Chase contacted XXXX to block my phone number I contacted XXXX to verify and they stated Chase needs to remove the block because the transaction was verified and clearedChase Bank needs to remove the block from my phone number on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: TX

Complaint narrative:
XXXX is reporting false information on my credit report and under Law 15 U.S. Code 1679c - My rights have been violated.

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 2025-03-23 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:
XXXX is reporting false information on my credit report and under Law 15 U.S. Code 1679c - My rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: MOHELA
State: TX

Complaint narrative:
XXXX is reporting false information on my credit report and under Law 15 U.S. Code 1679c - My rights have been violated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: Credit Karma, LLC
State: IL

Complaint narrative:
Credit karma company is violating my consumer rights to privacy, specifically referencing 18 U.S.C. 8 and 15 U.S.C. 1681b ( 2 ), they are also reporting information without your permission, and reporting inaccuracy citing 15 U.S.C. 1681 ( 4 ).

Credit karma has not removed the inquiries that have been removed through all of other credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: MOHELA
State: OR

Complaint narrative:
On XX/XX/year>, I made a payment of {$410.00} towards XXXX of my loans, I allocated the payment other than a specific loan. On XX/XX/year>, the payment was fully processed through my bank account but it is nowhere to be found on MOHELA and it continues to accumulate interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: PA

Complaint narrative:
My student loans were forgiven by XXXX XXXX XXXX but they are showing 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 2025-03-23 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: PA

Complaint narrative:
My student loans were forgiven by XXXX XXXX XXXX but they are showing 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 2025-03-23 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: PA

Complaint narrative:
My student loans were forgiven by XXXX XXXX XXXX but they are showing on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Absolute Resolutions Corp.
State: MA

Complaint narrative:
On XXXX XXXX via claim ID XXXX I filed a complaint against XXXX XXXX XXXX and Absolute resolutions Investments , LLC who continue to provide and report to the creditor bureaus fraudulent information. I have not entered into any legal agreement or any stipulated terms and conditions with either entity listed above. My agreement was with XXXX. A NH court entered into judgment a total of {$4100.00} to be paid. That balance has been satisfied in full. XXXX XXXX XXXX has provided correspondence that the account in this matter was paid for less than the full balance and the account is closed with a XXXX balance. This is incorrect. XXXX XXXX XXXX XXXXXXXX of XXXX has ruled that full payment has been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: FL

Complaint narrative:
My name is XXXX XXXX XXXX and I am a victim of Identity Theft. I have attached several accounts for your removal. To remove them. Thank you. For I did not apply for these accounts.

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