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: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
on XX/XX/2025 Credit monitoring services notified me that I received a hard credit inquiry on my credit reports that had impacted my credit score. Upon investigation, I noticed a mysterious inquiry from XXXX XXXX. I froze my credit reports and contacted the XXXX bureaus and XXXX XXXX. I was able to obtain from XXXX XXXX information that a credit card was applied for by someone other than me and they voided the application and forwarded to their fraud team. They recommended I contact the XXXX bureaus to notify them as well. I was able to notify XXXX via email and XXXX via phone. However, Experian will not let me do this via email, online form, and via phone, I have now been on hold twice for XXXX minutes and no one picks up. So, it's no been 3 days and I have no way to notify them that their is fraud in my credit report. Experian needs to solve this XXXX customer service immediately, particular when fraud is involved.

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 — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
According to the Fair Credit Reporting act the listed account reported by XXXX XXXX violated my right to privacy. 15 USC 1681 section 602a States I have the right to privacy. 15 USC 1681 section 604a section 2 states a consumer reporting agency shall not furnish account information without my written consent. 15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any adverse items or information other than record of conviction of crimes which antedate the report by more than seven years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or have reasonable cause to believe that the information is incorrect.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS CLAIM TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Torriere Holdings INC
State: MO

Complaint narrative:
This company has been repeatedly calling my family, friends, workplace, and my husband 's family looking for me. I have already tried working through this with them and even set up a payment plan, but the harassing of my loved ones and my employer discourages me from even calling them back at this point. This has caused major distress to myself, everyone around me, and is threatening my job.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Dealing with provider of income share agreement
Company: MOHELA
State: CT

Complaint narrative:
I am filing this complaint regarding the unauthorized access and potential misuse of my financial information by the XXXX  XXXX XXXX XXXX ( XXXX ) through MOHELA, my student loan servicer. 

Issue Description : I recently discovered that XXXX has accessed my financial information through MOHELA without my explicit consent. This includes details related to my student loan account, such as my balance, payment history, and potentially other sensitive personal and financial data. 

At no point did I authorize MOHELA to share my information with XXXX. Upon contacting MOHELA for clarification, I was either not provided with a satisfactory explanation or was given conflicting information regarding the legitimacy and scope of XXXX 's access to my records. 

Impact on Me : This unauthorized access raises serious concerns about data privacy, financial security, and potential misuse of my personal information. It is unclear why XXXX was granted access to my financial details or how this information is being used. Additionally, I am concerned about any negative effects this may have on my loan status, repayment terms, or future financial interactions.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

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

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

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: PNC Bank N.A.
State: MN

Complaint narrative:
I talk to PNCBANK 5 times to close this accounts that I did not open them. First time I talk to them was XXXX XXXX XXXX. I keep getting debit cards from them and I screwed them. I sent them a letter to freeze all accounts in my name and close them.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX 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: 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:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX  - Account number - XXXX ACCOUNT : XXXX ( Original Creditor : XXXX XXXX  ) - XXXX _______________________________________________________________ INQURIES : XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry date - XX/XX/XXXX XXXX XXXX XXXX XXXX  - Inquiry date - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX - Inquiry XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date - XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX - Inquiry XXXX XX/XX/XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than Records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate. 
15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 15 USC 1681 BA2 LATE PAYMENT CODE 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681

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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX  - Account number - XXXX ACCOUNT : XXXX ( Original Creditor : XXXX XXXX  ) - XXXX _______________________________________________________________ INQURIES : XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry date - XX/XX/XXXX XXXX XXXX XXXX XXXX  - Inquiry date - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX - Inquiry XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date - XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX - Inquiry XXXX XX/XX/XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than Records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate. 
15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 15 USC 1681 BA2 LATE PAYMENT CODE 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681

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

Complaint narrative:
On XX/XX/year>, XXXX XXXX instructed his team of XXXX XXXX XXXX XXXX ( DOGE ) to gain access to multiple internal systems in the department of education including financial aid datasets containing the personal information of millions of students enrolled in the federal student aid program. My information was among the dataset that was compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I had noticed that {$6700.00} were taken from my bank account ( from XXXX XXXX ). As I had called my bank, a representative from my bank had informed me that this amount was being levied due to a court order. When I had researched the court order, I had discovered that there was a complaint filed against me by the XXXX XXXX XXXX XXXX firm in the XXXX XXXX XXXX XXXX XXXX stating that I opened a credit card with Citibank N.A. and that I had owed an outstanding sum of {$5800.00}. However, on this official complaint, my name was affiliated with an address that is not my home address. In addition, given that the address listed on the court complaint was not my own, I was not made aware that such a complaint was raised against me because the notice was not sent to my correct home address. Therefore, the XXXX XXXX XXXX XXXX XXXX  had taken my non-response to this complaint as me refusing to address the complaint and not pay the outstanding credit card fee. Therefore, the XXXX XXXX proceeded to levy the amount owned on my bank account. Given that I had no knowledge of the creation of this credit card and that this address listed under my name in the court order, I had come to the conclusion that this credit card creation is a result of my identity being stolen and wrongly used. In addition, since XXXX XXXX was only holding onto the amount of money that was being levied by the courts, the courts had also extracted the same amount of money that was being levied from my wife 's ( XXXX XXXX XXXX bank account from XXXX XXXXXXXX XXXX since that account is a joint account affiliated with me. On XX/XX/XXXX, I had sought out legal representation in regards to the court complaint and levy against me from the law firm of XXXX XXXX XXXX. In working with XXXX XXXX as my legal counsel, he and his law firm had filed a Notice of Motion to the XXXX XXXX and a Proposed Answer. On XX/XX/XXXX, a judge from the XXXX XXXX XXXXXXXX XXXX XXXX had decided to grant the motion to vacate the default judgement. Around that time, the funds have been returned to myself and my wife in our respective bank accounts. On XX/XX/XXXX, I had file a police report in the XXXX XXXX Police Department in regards to the wrongful theft and usage of my identity.

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: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: EdFinancial Services
State: MI

Complaint narrative:
I didn't know my loan was in repayment. Never got notified that they were in repayment. Didn't know until it was XXXX  days past due and hit my credit

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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Personal information being reported incorrectly as well as different accounts, inquires and missing 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 non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Credit card — Store credit 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: FIRST NATIONAL BANK OF OMAHA
State: IA

Complaint narrative:
I opened a XXXX XXXX card at my local store. The card was commissioned through the First National Bank of Omaha. 

I had XXXX charges, XXXX from a company called XXXX XXXX XXXX XXXX XXXX  XXXX IL that I did not authorize. The charges occurred over a period of XXXX  months. I did not read the details of the transactions each month, but paid the bill each month. 

When I discovered the charges that I did not authorize, I filed a dispute with the credit card company. They said that I had bought an educational plan. I did not need this or buy this plan. I have XXXX outstanding disputes with the company. 

I filed case # XXXX and spent lots of time on the phone to have them credit my account for the XXXX charges. They did not credit the account. I closed the credit card. 

Now that I have learned of your agency, I decided to file a complaint

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details

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