vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 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: FL

Complaint narrative:
The information provided is incorrect please remove incorrect information XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: FL

Complaint narrative:
The information provided is incorrect please remove incorrect information XXXX XXXX XXXX XXXXXXXX

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 2025-04-08 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: MA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-04-08 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: IL

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-04-08 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: CA

Complaint narrative:
I want the company to remove the fraudulent inquiries in 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 2025-04-08 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: GA

Complaint narrative:
I demand the removal of all fraudulent hard inquiries from my credit report within four days of receipt. I request that you manually process my FCRA 605B deletion request and immediately block all fraudulent inquiries, as required by law. Per FCRA 605B, no further validation from creditors is necessary once proper identity theft documentation has been provided.

Unauthorized Inquiry ( s ) : Date of Inquiry ( s ) : Additionally, I request that you provide the specific reason for reporting these inquiries, in accordance with 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned hard inquiries are the result of identity theft and fraud.

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 2025-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
* Summer of XXXX  I was approached by an individual in a real estate investing group on XXXX where I have been a member for a year or more. 
* XXXX XXXX approached me via XXXX XXXX  and we chatted for the next few months, gathering trust that he was well versed in his business of helping investors to obtain credit. 
* I trusted XXXX and his business partner XXXX XXXX as they said all the right things and were business coaches as well as running their own ministry. 
* I attached the sequence of events in a word document for easier reading that led them to : * Opening up 2 XXXX XXXX XXXX accounts and 1 Chase Account along with a XXXX  XXXX XXXX account to set up the ruse. 
* Small Dollar amounts were paid from the XXXX XXXX  checking account in what I see to enable larger amounts of credit to be provided to the pair. 
* Once larger amounts were available, the charges were racked up to massive dollar amounts and then payments stopped. 
* Once stopped, then I learned I was on the accounts with my credentials. I never saw these accounts on my online portals for either company, which I frequented. 
* Chase and XXXX XXXX both claimed that because I had been paying on these three credit card accounts from my XXXX XXXX XXXXXXXX account, that I was responsible for these charges. 
* I have proven to them that I have NO affiliation with XXXX XXXX  XXXX and therefore am not responsible for these charges at all. 
* Both would not accept the XXXX original document because it " wasn't enough '' and that I needed to get XXXX to get me all of the information on the account because they could not reach out to them. 
* Both said it was not enough for them to do anything about. 
* They have closed 4 of my business and personal accounts at Chase and both my XXXX XXXX XXXX have now been shut off. 
* I realized in late summer or early fall of XXXX of the issues when my own XXXX XXXX was rejected for a small charge one day. 
* Fast Forward to today and I've done all of the leg work for them in showing who these people are, along with the address that mysteriously showed up on my credit report that did not belong to me but is associated with their whereabouts - XXXX GA * I've been met with silence and unsolicited " collection calls '' from their companies. I answer them in the hopes that they have done what they need to do.. and each time I have to recite all of the notes in order to get to their fraud / scam division only to once again realize they have done nothing on the case that I can tell because they don't have any new information and have failed to reach out to XXXX for confirmation of any of this. It's ridiculous and very frustrating. 
* Please see the supporting documents attached. The second XXXX  document is in the scanned pdf with the police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: NE

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against Mohela, XXXX, XXXX, and XXXX for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education.

Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education.

2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment.

3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ).

I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SSN : XXXX XX/XX/XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Removal of Fraud Alert Dear Equifax Customer Service , I am writing to request the removal of the fraud alert currently placed on my credit report. The alert was initially added due to suspected fraudulent activity, but I have since resolved the issue and no longer require the alert. 
Please find my personal information below for verification purposes : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX I kindly ask that you remove the fraud alert from my credit report at your earliest convenience. If you require any additional information or documentation to process this request, please let me know. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Service of Nevada
State: GA

Complaint narrative:
I discovered a collection account on my credit report from " XXXX XXXX XXXX XXXX '' with a reported balance of {$2000.00}, opened on XX/XX/2024. I did not open this account or authorize any transactions related to it. This debt is not mine and appears to be the result of identity theft. 

I have never had an account with this company and was unaware of any charges until I reviewed my credit report. I am requesting that this account be removed immediately, as it was falsely reported and is damaging my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : XXXX XXXX - XXXX 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 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 inaccurate.

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 2025-04-07 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: MI

Complaint narrative:
XXXX XXXX account is reporting inaccurate and wrongful information in violation of the Fair Credit Reporting Act ( FCRA ), the XXXX agreement with consumer reporting agencies, and established reporting standards. This inaccurate reporting is causing significant harm to my credit standing and reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX USC XXXX. 
The accounts below have violated my rights. 
XXXX U.S.C XXXX section XXXX. States I have the right to privacy. 
XXXX U.S.C XXXX Section XXXX A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
XXXX U.S.C XXXX. ( 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. 
XXXX U.S.C XXXX ( A ) ( a ) 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 the accounts below : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: CA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct 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 explanation
Consumer complaint received 2025-04-08 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: CA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
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: Affirm Holdings, Inc
State: OH

Complaint narrative:
Opened a dispute on a loan with Affirm on the date of XX/XX/XXXX. I get a statement the following month on XX/XX/XXXX saying that the 'dispute has been won, loan XXXX '. Months later I've contacted them in XXXX asking why this loan is still on my account. They say that I am correct and that the dispute has been won and that they will take the loan off of my account in XXXX business days. I wait, and wait, and XXXX XXXX 's later I still notice that this loan is still on my account, I phone them up again. Affirm is still saying the exact same thing to me that I won the dispute, and that I will be XXXX of this loan in XXXX business days. I call them up again a couple of weeks later and I asked to speak with a supervisor. The supervisor was being helpful and said that the loan will officially be off my account at the end of the day I called. Days later.. loan is still on my account. I phone them up sometime in XXXX, and I get a difference response this time. The phone representative says that I have opened another dispute with Affirm ( same loan ).. I was confused when she said this because I only filed XXXX dispute which was in XXXX. She tells me that this is the same dispute that I filed in XXXX What do you mean? I already won my dispute why is there another XXXX open? She tells me I have to wait about a month for the dispute to go through. I'm confused as to why I have another open dispute when I already filed and won my dispute. Till this day, XX/XX/XXXX, I have XXXX to have this loan off of my account. It's been months and this is hurting my credit report. I have a security clearance and my agency is wondering why I have an unpaid loan open. I notify them that I have won this dispute with Affirm and that it will be taken off my account soon ( hopefully ). Affirm has done nothing but been repetitive about 'helping ' me resolve my resolution. They have done absolute nothing but tell me the same thing over the phone countless times. This loan has been on my credit report and has been HURTING my account for these past few months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
The company is violating my rights they have not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I have been an Apple Card holder with Goldman Sachs for over XXXX  years with no previous issues. Recently, I disputed over {$20000.00} in unauthorized and/or problematic charges. In the middle of the dispute process, my Apple Card account was abruptly closed with no prior notice, warning, or written explanation. 

When I contacted Apple Card support, I was told only that I violated a policy. However, no one has been able or willing to tell me what policy was allegedly violated, how it was violated, or when. I have also lost all access to my account, my statements, and the dispute case status. 

I believe this action is unfair, lacks transparency, and may be in violation of the Fair Credit Billing Act and the Equal Credit Opportunity Act. This situation is causing serious financial stress and could negatively affect my credit history, despite no wrongdoing on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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:
The information provided is incorrect please remove incorrect information XXXX XXXX XXXX XXXXXXXX

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 2025-04-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: WA

Complaint narrative:
I recently logged into my Mohela and XXXX account to find that I had {$7100.00} extra of accrued interest on my balance. I am in SAVE forbearance and should not be accruing any interest. I tried to get a hold of Mohela and was on hold for SIX HOURS only to be disconnected and not actually talk to anyone. This is unacceptable. I am exhausted and just want this resolved. I already filed something similar in XXXX and it was confirmed by Mohela that there is no interest accruing so there is absolutely no reason for my balance to be increasing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making XXXX  XXXX XXXX XXXX it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief