vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 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: AZ

Complaint narrative:
The late payment entries for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, which reports a past due balance of {$0.00}, have been reported inaccurately across all three bureaus : XXXX, Experian, and XXXX. These late payment entries do not reflect my true payment history and are a result of data mismanagement. The incorrect reporting of these payments is a violation of 15 U.S.C. 1666b, which mandates that creditors and reporting agencies provide accurate payment histories. These errors are likely due to a data breach, as there is no substantiated reason for these entries to be reported. Such inaccuracies damage my credit score and jeopardize my ability to secure reasonable credit in the future.

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 2025-05-08 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: NY

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: AR

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint because I have discovered multiple unauthorized hard inquiries on my credit report that I did not initiate or consent to. These inquiries were made by various institutions between XX/XX/XXXX and XX/XX/XXXX and were pulled from my credit files with TransUnion, Equifax, and Experian. 

Under the Fair Credit Reporting Act ( FCRA, XXXX USC XXXXb ( c ) ), hard inquiries may only be made with the consumers written permission or in connection with a firm offer of credit that the consumer initiates. I did not apply for credit, authorize any of these companies to access my reports, nor did I have any existing business relationship with them. 

I have disputed these inquiries with all three credit bureaus for over four months, requesting they initiate formal investigations and remove the unauthorized inquiries. To date, I have received no resolution, no investigation results, and the inquiries remain. 

The inquiries I am disputing are as follows : XXXX  XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX  XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX Experian These inquiries were made without my knowledge or authorization and have negatively impacted my credit score. I am requesting that the CFPB : Require the credit bureaus to investigate and remove these unauthorized inquiries. 

Hold the inquiring companies accountable for violating FCRA guidelines, if no permissible purpose can be proven. 

I take the privacy and accuracy of my credit file very seriously and ask for the Bureaus help in enforcing my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: NY

Complaint narrative:
I am writing to formally dispute a fraudulent charge on my credit card account XXXX XXXX XXXX XXXX XXXX XXXX. I did not authorize the transaction described below and request that it be removed from my account immediately. 

Details of the fraudulent transaction : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX became aware of this unauthorized charge on [ Date you noticed the charge ] when reviewing my credit card statement. I have no knowledge of this transaction and did not authorize anyone to use my credit card for this purchase. I suspect that my account may have been compromised and am taking the necessary steps to protect my identity.

In accordance with the Fair Credit Billing Act ( FCBA ), I am requesting that you investigate and resolve this matter promptly. Please confirm in writing that the charge has been removed and that my account has been credited for the disputed amount. 

Enclosed are copies of supporting documents such as your statement with the charge highlighted, a fraud affidavit, or any correspondence related to the dispute Please acknowledge receipt of this letter and keep me informed of the progress and outcome of your investigation. I appreciate your prompt attention to this matter. 

Sincerely, 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 2025-05-08 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: NY

Complaint narrative:
I am writing to formally dispute a fraudulent charge on my credit card account [ Account Number : XXXX ]. I did not authorize the transaction described below and request that it be removed from my account immediately. 

Details of the fraudulent transaction : Date of transaction : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I became aware of this unauthorized charge on [ Date you noticed the charge ] when reviewing my credit card statement. I have no knowledge of this transaction and did not authorize anyone to use my credit card for this purchase. I suspect that my account may have been compromised and am taking the necessary steps to protect my identity.

In accordance with the Fair Credit Billing Act ( FCBA ), I am requesting that you investigate and resolve this matter promptly. Please confirm in writing that the charge has been removed and that my account has been credited for the disputed amount. 

Enclosed are copies of supporting documents such as your statement with the charge highlighted, a fraud affidavit, or any correspondence related to the dispute Please acknowledge receipt of this letter and keep me informed of the progress and outcome of your investigation. I appreciate your prompt attention to this matter. 

Sincerely, 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 2025-05-08 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: NY

Complaint narrative:
I am writing to formally dispute a fraudulent charge on my credit card account XXXX XXXX XXXX XXXX XXXX XXXX. I did not authorize the transaction described below and request that it be removed from my account immediately. 

Details of the fraudulent transaction XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I became aware of this unauthorized charge on [ Date you noticed the charge ] when reviewing my credit card statement. I have no knowledge of this transaction and did not authorize anyone to use my credit card for this purchase. I suspect that my account may have been compromised and am taking the necessary steps to protect my identity.

In accordance with the Fair Credit Billing Act ( FCBA ), I am requesting that you investigate and resolve this matter promptly. Please confirm in writing that the charge has been removed and that my account has been credited for the disputed amount. 

Enclosed are copies of supporting documents such as your statement with the charge highlighted, a fraud affidavit, or any correspondence related to the dispute Please acknowledge receipt of this letter and keep me informed of the progress and outcome of your investigation. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

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 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 2025-05-08 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The Consumer Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-05-08 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: CO

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 explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: NH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 

I believe this is essentially an illegal attempt to make me use a phone app, thereby bypassing overseas CS usage. 

Over and over I get locked out of my account and see : " We encountered a small problem There was a problem accessing SoFi.com If you need assistance, please call SoFi Customer Service : ( XXXX ) XXXX ( XXXX ) Request ID : XXXX IP : XXXX I call and my account stays locked. It seems obvious that my system is locked out yet XXXX says it is not. XXXX says try another browser, so I try XXXX ; XXXX ; XXXX. 

I am vision impaired and loath phone apps. 

I have no access to my checking or savings account. 

I asked XXXX " Close my account, '' I asked : " Have a Manager Call me, '' I asked : " Please elevate this. '' Nope. 

My funds are locked and I need to use the ~ {$15000.00}, and I am LOCKED OUT. 

I really believe this is illegal pushing users to use the phone app. It's discriminatory for those who do not want to use a phone app or have trouble using a phone app such as vision.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 non-monetary relief
Consumer complaint received 2025-05-08 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-05-08 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
received multiple calls from unknown numbers never leaving a message. They even called my underaged children 's phones numerous times. A debt validation was requested but never received

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: IN

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

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 4 business days after the date of receipt. 
15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
1ST I RECEIVED A LETTER FROM MR COOPER SAYING MY MONTHLY HOUSE PAYMENT WAS INCREASING {$200.00}. BECAUSE MY ESCROW ACCOUNT WAS SHORT. THEN I RECEIVED A LETTER FROM THE COUNTY SAYING MY TAXES HAVE NOT BEEN PAYED AND THEY ARE GOING TO PUT A LIEN ON MY PROPERTY. 
I CALLED MR COOPER TO ASK WHAT IS GOING ON THEY SAY I TOLD THEM MY TAXES WERE LOWER THEN THEY ACTUALLY WERE SO THERE WAS NOT ENOUGH MONEY IN THE ACCOUNT TO COVER THE TAXES. 1ST ITS NOT UP TO ME TO TELL THEM WHAT MY TAXES ARE. 2ND I HAVE HAD A MORTGAGE ON MY HOUSE FOR XXXX YEARS. I WAS WITH XXXX XXXX FOR XXXX YEAR WHEN IT WAS TRADED TO MR. COOPER BECAUSE THEY MERGED. I HAVE NEVER HAD A PROBLEM UNTIL NOW WITH MY TAXES. SO THAT TELLS ME ITS NOT ME BUT THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Carvana Group, LLC
State: FL

Complaint narrative:
I am a victim of false advertising committed by Carvana. On XX/XX/year>, I finalized a vehicle purchase through Carvana based on all the information Carvana provided me on the vehicle. Part of the information provided to me was that this vehicle has undergone a XXXXpoint inspection which included an inspection of the engine. My vehicle was delivered on XX/XX/year>, and on XX/XX/XXXX, the check engine light illuminates for a cylinder XXXX misfire. Was advised by Carvana to bring it to an authorized repair shop, and was told it was an easy fix. I received my vehicle back XXXX  days later, with the check engine light off and a clean bill of health. My XXXX day return window expires and the following week, the check engine light re-illuminates for the same misfire on cylinder XXXX. I bring it back to the same repair shop on XX/XX/year>, and it has been there now on its XXXX week. I have been with out a vehicle now for XXXX month. The repair shop has had my vehicle longer than I have had it. I have been told that this issue should have been caught during the XXXX-point inspection and should have been repaired prior to being sold. I have been misled by Carvana, and now my job is at risk due to their mishandling of the situation. I have been in contact with Carvana and the warranty company, XXXX XXXX, through all of this, and I have only been offered apologies. I feel I have been robbed and lied to.

Company response to consumer: Closed with explanation