vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-18 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:
I am submitting this report regarding the unauthorized and inaccurate reporting of an account by XXXX XXXX, which directly violates my rights under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, a XXXX representative explicitly assured me that once I paid the balance in full, the account would be removed from my consumer report. I fulfilled my obligation by paying the balance, yet the account remains, constituting deceptive and misleading conduct in violation of XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), which prohibits furnishing inaccurate or misleading information to consumer reporting agencies. This misrepresentation constitutes willful noncompliance with the FCRA under XXXX XXXX. XXXX ( a ). By knowingly failing to adhere to their stated agreement, XXXX XXXX has engaged in unfair and deceptive practices that have directly harmed me. Despite this clear violation, Experian continues to report this unauthorized account, further compounding the damage to my credit profile. Their failure to ensure the accuracy of the reported information violates XXXX XXXX. XXXX ( b ), which mandates that consumer reporting agencies maintain the maximum possible accuracy in consumer reports. The continued reporting of this account, despite documented proof of its inaccuracy, demonstrates a reckless disregard for my rights under federal law. These unlawful actions have caused me substantial harm, including damage to my creditworthiness and financial opportunities. I demand that this account be immediately removed from my consumer report. Furthermore, I request that the CFPB take enforcement action to ensure compliance with the FCRA and hold XXXX XXXX  and Experian accountable for their violations.

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 2025-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: MS

Complaint narrative:
On XX/XX/year> I send a letter along with a superior Power of Attorney to Experian for them to reinvestigate information regarding a bankruptcy that was placed on my consumer report without my expressed or written consent. The letter that was sent to Experian specifically demanded that they investigate the source of the information they posted as well as provide me with information from who they got it from. Consumer also requested that if consumer agency can not provide consumer with verifiable source of information from which they got the information from by way of court order or judgment, signed under penalty and perjury by someone who can attest to the facts then they must Delete the information in question. They did not honor my request but instead emailed me stating that they received suspicious mail and that they weren't going to do anything about the letter and if I wanted to dispute something I would have to go on their website. I have already spoken with the courts and they have personally assured me that they don't share personal information with other XXXX  party entities so there is no verifiable source that has been presented to the consumer that would be proof of cause for the publishing of such information.

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 2025-03-18 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: LA

Complaint narrative:
Pursuant to XXXX XXXX XXXX XXXX inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by XXXX XXXXXXXX XXXX XXXX g ( a ) ( XXXX ). I want you to include the following information : XXXX. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the XXXX. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: OH

Complaint narrative:
I do not recognize inquiry in my credit report from XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/year> i didn't applied or do any business with that bank

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: OH

Complaint narrative:
I do not recognize inquiry in my credit report from XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/year> i didn't applied or do any business with that bank

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 2025-03-18 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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
Consumer complaint received 2025-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My credit card was lost, I noticed a few days later, many purchases were made during those days, I made purchases with apple pay wallet during those days, but somebody else was using my physical card. 

I made the claim but Bank of America rejected the claim, and they don't want to refund me. 

Those transactions were made between XXXX and XXXX of XXXX. 
A total of {$120000.00}

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 monetary relief
Consumer complaint received 2025-03-18 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: DigniFi
State: CA

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I opened a Platinum Savings account at the XXXX XXXX CO branch using a {$520.00} bonus promo code I had received via email. The banker confirmed the promo code was attached to my application. Despite meeting the requirements for the promotion, I did not receive the {$520.00} bonus within the XXXX days mentioned in the terms and conditions of the promotion.

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 monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TRUIST FINANCIAL CORPORATION
State: MS

Complaint narrative:
in XXXX, took out a boat loan with Truist bank through the dealer. the loan has not payoff penalties. on XX/XX/XXXX, I logged into my account to payoff the loan. the system would not accept loan payment online over XXXX so it stated : call. 

I called, got a rep on the phone, ( IE foreign call center, ) his english was terrible but I asked for a loan payoff. he provided an amount and then I asked how long is this payoff good for? he replied, today but if your postmark is today, they will honor today. 

XXXX is now ask for an additional XXXX plus in interest and when I called, I got the same answer when I asked, how long is the payoff of XXXX good for. 

this is a scam to prevent a person from being able to payoff the loan.

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 2025-03-18 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: OneMain Finance Corporation
State: KS

Complaint narrative:
I recently checked my credit report and noticed that OneMain Financial conducted a hard credit inquiry on XXXX XXXX. However, I did not authorize a hard credit check. 

I was under the impression that I was only checking for pre-approval options, which should not have resulted in a hard inquiry. The company claims that I clicked a box authorizing them to check my credit, but I was not informed that this would be a hard inquiry impacting my credit score. 

I never signed any document or provided verbal consent for a formal loan application that required a hard pull. I contacted the company to dispute this, but they have refused to remove the inquiry. I am requesting that the CFPB investigate this matter and assist in removing the unauthorized inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am formally disputing inaccurate information on my credit file regarding my XXXX XXXX XXXX account. The credit limit, date opened, and account type are incorrectly reported across my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to accurate and verifiable reporting. Specifically : 1681i ( a ) ( 5 ) ( A ) requires the removal of inaccurate, incomplete, or unverifiable information.

1681s-2 ( b ) mandates that furnishers properly investigate and correct errors.

1681e ( b ) ensures credit bureaus maintain maximum possible accuracy in consumer reports. 
I have previously attempted to resolve this matter directly with XXXX XXXXXXXX XXXX  but have not received a satisfactory resolution. This inaccurate reporting is a direct violation of my consumer rights and negatively impacts my financial standing. If the information can not be verified as accurate, it must be removed as required by law. 

Please complete this correction within the XXXX timeframe specified under the FCRA and provide written confirmation once the issue is resolved. I have attached supporting documentation to assist in your investigation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: NY

Complaint narrative:
I am formally disputing inaccurate information on my credit file regarding my XXXX XXXX XXXX account. The credit limit, date opened, and account type are incorrectly reported across my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to accurate and verifiable reporting. Specifically : 1681i ( a ) ( 5 ) ( A ) requires the removal of inaccurate, incomplete, or unverifiable information.

1681s-2 ( b ) mandates that furnishers properly investigate and correct errors.

1681e ( b ) ensures credit bureaus maintain maximum possible accuracy in consumer reports. 
I have previously attempted to resolve this matter directly with XXXX XXXXXXXX XXXX  but have not received a satisfactory resolution. This inaccurate reporting is a direct violation of my consumer rights and negatively impacts my financial standing. If the information can not be verified as accurate, it must be removed as required by law. 

Please complete this correction within the XXXX timeframe specified under the FCRA and provide written confirmation once the issue is resolved. I have attached supporting documentation to assist in your investigation

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 2025-03-18 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: CA

Complaint narrative:
XXXX XXXX ( Bank ) XX/XX/year> / XXXX XXXX XXXX Bank ) XX/XX/year> /

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 2025-03-18 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Reliant Capital Solutions, LLC
State: FL

Complaint narrative:
Reliant Capital Solutions has continuously called me I requested the invoice/statement from the college that showed the amount owed. I have explained to the company numerous times that I do not owe on the loan, I withdrew from the college and was told everything was settled. 

I am writing to formally file a complaint against Reliant Capital Solutions for their repeated and inappropriate collection practices. 

I have been receiving nonstop calls from the agency regarding a debt, yet despite multiple requests, I have not been provided with any documentation verifying this debt. I planned to attend college at XXXX XXXX XXXX XXXX XXXX XXXX, Florida but withdrew prior to the classes beginning. When I contacted the college regarding the withdraw process, I was told everything would be removed/deducted as I followed the proper withdraw protocol and would have no penalties. This was in XXXX is now XXXX  and I am being harassed for money/loans that I never used or received. This needs to be corrected and I need to stop being harassed by this company. 

Most concerningly, the agency somehow obtained and called my place of employment, which is not listed on my file. This is completely inappropriate and unacceptable. When I informed the representative that my workplace should never be contacted, I was assured that the number would be removed, yet they continue to call my cell phone from numerous different numbers all day and night. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting the following : Written validation of the alleged debt, including details on its origin and any supporting documentation.

Immediate cessation of all calls to my workplace.

A written confirmation that my workplace number has been removed from the system. 
A stop to any further harassing or excessive calls. 

If these requests are not met promptly, I will have no choice but to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Nelnet, Inc.
State: VA

Complaint narrative:
My credit score dropped by XXXX points in XXXX week. Come to find out I have an outstanding student loan from Nelnet for {$24000.00} ( plus interest ). They have flagged my credit due to an outstanding balance since XX/XX/XXXX ( They began in XX/XX/XXXX due to the XXXX pause ). I was unaware of this loan because I thought I was getting Financial Aid, and the rest of my loans I took out from XXXX XXXX, which are now 95 % paid. 

I called them and they said have sent me emails to let me know I have a balance, but the email on file was not mine, nor was the phone number. I have asked them to dispute the bad credit, but they said they can not due to the fact that they " emailed me ''. Again, the email was not mine. I had no idea I had another loan because I thought I was filing for financial aid ( back in XXXX ). 

I have made it clear that I will pay the loan back. I have already paid the outstanding balance on my account, but I would like to get the bad credit disputed. 

They never hit my credit before XX/XX/XXXX, instead they deducted my credit XXXX points in the matter of a week. If they had done it back in XXXX, even just a little I would have gotten a notification that something was wrong. 

I am frustrated because of the lack of solutions the company is giving me, as well as the MAJOR lack of communication with my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
they are violating my rights I've asked them to stop calling me after XXXX or calling in general The 15 U.S.C . code 1692 ( c ) ( cc ) states the following123 : A consumer can cease communication with a debt collector in writing. 
A debt collector must assume a convenient time for communicating with a consumer is after XXXX XXXX antemeridian and before XXXX XXXX  postmeridian, local time at the consumers location. 
Without the prior consent of the consumer, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I don't know who they gave my information to but not only have the original company been harassing me day and night they had a third party to do so as well and they don't care what time they call sometimes its after XXXX and before XXXX. I've asked all parties not to contact me again. They then threaten me with legal action. I also told them i never opened a account with them The 15 U.S.C. code 1692 ( c ) ( cc ) states the following123 : A consumer can cease communication with a debt collector in writing.

A debt collector must assume a convenient time for communicating with a consumer is after XXXX XXXX  XXXX  and before XXXX XXXX  XXXX, local time at the consumers location. 
Without the prior consent of the consumer, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with non-monetary relief