vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-24 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: AR

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-03-24 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:
I am resending this complaint to EXPERIAN regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. My full legal name is XXXX XXXX XXXX, and I currently reside at XXXX XXXX XXXX, XXXX, PA, XXXX. My date of birth is XX/XX/XXXX. 
XXXX XXXX XXXX Opened : XX/XX/XXXX {$16000.00}

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 explanation
Consumer complaint received 2025-03-24 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 am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

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 2025-03-24 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: MI

Complaint narrative:
I am filing this complaint regarding unauthorized hard inquiries on my Experian credit report. I did not apply for credit with the following entities, nor did I authorize them to access my credit file : XXXX XXXX XXXX XXXX Hard Inquiry, reported on XX/XX/year> XXXX XXXX XXXX Hard Inquiry, reported on XX/XX/year> XXXX XXXX XXXX Hard Inquiry, reported on XX/XX/year> These inquiries are negatively impacting my credit score, and I believe they were conducted without my explicit consent, in violation of the Fair Credit Reporting Act ( F

CRA ). Under 15 U.S.C. 1681b, a consumer reporting agency may only provide my credit report to entities with a permissible purpose, such as my direct application for credit or employment. Since I did not authorize these inquiries, they should be removed immediately. I have already attempted to resolve this issue with Experian, but they have failed to remove the unauthorized inquiries. I am requesting that the CFPB investigate Experians compliance with the FCRA and take appropriate action to ensure my consumer rights are upheld.

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 2025-03-24 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: OK

Complaint narrative:
A collection from XXXX XXXX XXXX appears on all three of my credit reports. I do not recognize this account and was not contacted prior to its placement on my credit file. No details have been given about the original creditor, balance owed, or terms. I believe this account may be erroneous or unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: CA

Complaint narrative:
For months I have sat on hold for as long as 6 hours to reach someone, for a cumulative total of over 24 hours waiting to no avail. My applications are not being processed so my account should be in forbearance and in good standing but they are not. I am simply trying to resolve this but the portal provides no options and no one from the customer service team is picking up the phone. This has been ongoing. Since the beginning of 2025. I have exhausted all efforts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: NC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXXau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Incorrect Personal XXXX XXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: GA

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"

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 2025-03-24 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:
I went to check my credit profile and found some inquiries that are not mine.

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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Ive been getting emails, phones from this company and Im a fraud victim I have no knowledge of this company nor account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: CT

Complaint narrative:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent.

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"

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 2025-03-24 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: IL

Complaint narrative:
I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I didn't enter into any contract with XXXX XXXX XXXX XXXX XXXX. These inquiries are fraudulent. They do not belong to me. I am victim of identity theft. These accounts have violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a 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 b 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 inaccurate Delete these inquiries immediately, unless you want to be held {$1000.00} per violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: WI

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: VA

Complaint narrative:
I submitted a loan application for refinance with XXXX XXXX XXXX XXXX on XX/XX/year>. It was approved under a low refinance rate of 5.5 % good for XXXX days. 

I called Honda Finance XXXX to obtain the right information for the check that XXXX was having me send to pay off the lease on my vehicle. They verified that the information was correct " as long as my account number was correct on the check '' which it was. 

On XX/XX/XXXX i received a notification that the check went through, and the lease was paid off. 

I got a notice on XX/XX/XXXX that i had a payment due to Honda Finance in the original amount of my lease payments. 

I called Honda Finance the morning of XXXX XX/XX/year> and they confirmed that " the check was received, but the information was incorrect, so the check was rejected and then destroyed '' I received NO NOTIFICATION that the check was incorrect, or destroyed, and there is no note on my account that i was able to view nor did i receive a phone call, email, nothing, that this happened. 

Because of this, I had to redo my loan application with XXXX XXXX this morning, and my rate changed because i was outside of the XXXX  day window. My rate went from 5.5 % to 8.8 % greatly increasing my refinance payment amount. 

Because of the complete lack of communication and disregard of Honda Finance, I am now forced to maintain the lease with them because they did not notify me of the check rejection and I am now outside of the XXXX day rate window with XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX XXXX XXXX XXXX XXXX XXXX  1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Nelnet, Inc.
State: MI

Complaint narrative:
This letter below was sent to : U.S. Dept of Education/ Nelnet XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX ( XXXX ) XXXX Requesting that they please review and remove the 90 days late report that was sent to the XXXX credit bureaus ( XXXX, XXXX, XXXX ) for XX/XX/XXXX, related to the ( XXXX ) Nelnet Parent Plus loans where I am the Co-Signer. 

On XX/XX/XXXX, my XXXX XXXX on XXXX was XXXX with XXXX late payment on ANY of my debtors including the U.S. Dept of Ed/Nelnet XXXX XX/XX/XXXX reporting showed current terms met on Nelnet ). Suddenly in XX/XX/XXXX I see a reporting of 90 days late on all ( XXXX ) of my U.S. Dept of Ed/Nelnet accounts which plummeted my score to XXXX. ( 90 days late in XXXX? when XXXX was XXXX? ). This is WRONG! 

My issue is that as the co-signer, I NEVER received any notification to me personally by mail or email to let me know when the Loan payments were going to start to be repaid, and I still havent. The only notice I received was an alert from XXXX that I had 90 days late charge show up on my credit report. As the co-signer, I shouldve been alerted as to when the repayments needed to start, especially if it was going to affect MY XXXX XXXX. 

These Government loans ( since the XXXX pandemic ) have been postponed or deferred ( by the Government ) for payment time and time and time again, to XXXX XXXX I had no idea when they would need to start being repaid. 

My husband ( account holder ) called Nelnet to get the payments started and to work out the payment amount/payment plan and was told all the accounts would be re-aged to have payments XXXX XX/XX/XXXX. If that is when the agreement for repayment would be, then Nelnet needs to revise the 90 days past due reporting to be taken off my XX/XX/XXXX credit history due to this re-aged start date and restore my Good Credit Score which Ive worked for years to obtain/maintain. My husband was told over the phone they " Couldn't undo the 90 days past due '' REALLY? I find that hard to believe. It's actually unbelievable, I get ZERO notice of the payments starting, that have been under a governmental grace period, year after year and various deferments, etc. ( all because of XXXX ) and then they just apparently randomly " start '' wanting payment without alerting all parties involved ( XXXX as the co-signer ), and then I get a 90 day 's past due on my credit report??? I've sent another letter and I'm still waiting to hear back and/or see how my credit report is affected. I'm not the only XXXX ( look at " XXXX '' ) NELNET needs to be looked at and have all of OUR Credit Reports corrected for the " 90 days late '' to show " current '' especially since XXXX notice was given and ( for me ) if our payments aren't starting until XX/XX/XXXX. 

Please do your best to help us out! Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: GA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
Someone logged into my cash app and withdrew all my funds. A debit card was linked that was NOT in my name and my funds were deposited into this unknown debit card. Then the debit card was removed from my account. Filed a claim for this and it was denied. Claim # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Providing false information on when account was opened and it is a time barred debt ant the continue to report the false information

Company response to consumer: Closed with explanation