vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

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 2025-03-26 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: NJ

Complaint narrative:
Subject : Complaint Regarding Unauthorized Credit Inquiries on Experian Credit Report To Whom It May Concern, I am submitting this formal complaint regarding unauthorized inquiries on my Experian credit report. I have noticed multiple hard inquiries that I did not authorize, nor did I provide any entity with permission to access my credit report. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires consumer consent before a credit report can be accessed.

I have attempted to resolve this issue by contacting Experian multiple times ; however, it has been nearly impossible to reach a human representative. When I do manage to get through, I am either placed on long holds or abruptly disconnected without any resolution. This has been an incredibly frustrating and distressing experience, and I am now seeking the assistance of the FTC in addressing this matter. 

I am requesting that these unauthorized inquiries be investigated and removed from my credit report immediately. I have also disputed these inquiries directly with Experian, but due to the lack of response and inadequate customer service, I am seeking further action from the FTC. 

I have enclosed copies of my credit report highlighting the unauthorized inquiries for your reference. Please let me know the next steps in this process and what further information you may need from me. I appreciate your time and assistance in this urgent matter. 

Thank you for your attention to this issue. Please feel free to contact me at the information provided above. 

Sincerely, XXXX XXXX Enclosures : XXXX of 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 2025-03-26 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: MO

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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: CA

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 2025-03-26 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: VA

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XXXX XXXX  {$1200.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: AL

Complaint narrative:
I have repeatedly reached out to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on multiple occasions throughout the yearsspecifically in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX inaccuracies in my personal information and accounts. I have formally requested that these errors be corrected and that I be provided with copies of the original contracts bearing my signature. 

Despite my persistent efforts and even hiring credit repair companies such as XXXX XXXX to act on my behalf, as well as the XXXX. These entities have failed to take appropriate action. As a result, their negligence has caused significant and ongoing damage to my credit and my name. I urge immediate corrective action to address these longstanding issues.

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 2025-03-26 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: AL

Complaint narrative:
I have repeatedly reached out to XXXX XXXX XXXX XXXX XXXX Equifax, XXXX XXXX XXXX XXXX XXXX XXXX on multiple occasions throughout the yearsspecifically in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX inaccuracies in my personal information and accounts. I have formally requested that these errors be corrected and that I be provided with copies of the original contracts bearing my signature. 

Despite my persistent efforts and even hiring credit repair companies such as XXXX XXXX to act on my behalf, as well as the XXXX. These entities have failed to take appropriate action. As a result, their negligence has caused significant and ongoing damage to my credit and my name. I urge immediate corrective action to address these longstanding issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: AL

Complaint narrative:
I have repeatedly reached out to XXXX XXXX XXXX XXXX XXXX XXXX, TransUnion, XXXX XXXX XXXX XXXX XXXX on multiple occasions throughout the yearsspecifically in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXXregarding inaccuracies in my personal information and accounts. I have formally requested that these errors be corrected and that I be provided with copies of the original contracts bearing my signature.

Despite my persistent efforts and even hiring credit repair companies such as XXXX XXXX to act on my behalf, as well as the XXXX. These entities have failed to take appropriate action. As a result, their negligence has caused significant and ongoing damage to my credit and my name. I urge immediate corrective action to address these longstanding issues.

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 2025-03-26 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 recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see 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 explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: NY

Complaint narrative:
Hello, On XX/XX/year>, my credit card company notified me of a change to my credit score. When I checked, I discovered it had dropped XXXX points. The servicer, Dept ED Nelnet, reported that I had been delinquent on an account for XXXX  days. However, I had never heard of this company, and all my student loans are with XXXX, which I monitor closely. When I attempted to locate my account on Nelnets website, it couldnt be found. I called Nelnet and Sloan ( a related entity ) multiple timestwice for Nelnet and once for Sloanonly to be told that I do not exist in their system. Following advice from XXXX ( who shared that they have no idea of any loans being transferred to Nelnet and confirmed that all of my loans are currently in forbearance-I am awaiting a certified letter from XXXX confirming this ) and a student loan assistance hotline, this produced no results as well. These calls took several hours throughout my workday, with long wait times, which I have evidence of. 

How is my credit score being impacted by an account I have no connection to? Nelnet advised me to dispute the charges, which I have already done. Even they admitted this situation is unusual, but I must wait 30 days for the dispute process. Meanwhile, my credit score remains damaged by a false claim, with no prior noticeno emails, calls, or lettersabout any alleged late payments. Any advice would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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 2025-03-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: MI

Complaint narrative:
I was a XXXX customer since XXXX, my bill was XXXX a month not including taxes and insurance. I had a spending limit of XXXX a month meaning if my bill wasn't paid I had up til my spending limit before the company would take adverse action. in XXXX during covid XXXX had a policy of not shutting off anyone 's phone because of COVID  they would work with you to keep service on, I had my bill on auto pay, I didnt know I was over my limit on my card, because of my spending limit, they didn't notify me until XXXX  months of non payment or XXXX spending limit exceeded. during XXXX I had limited resources to just pay XXXX for a cell phone I was use to paying XXXX for with all my other expenses, I called and asked why they would let a bill go XXXX months and it was because of my spending limits, I called my credit card company and asked why they let me keep charging over my limit and its because of fees, so I cancelled that card and made arrangements to pay half for XXXX  months to get caught up and back on track, what I didn't know was that XXXX but me into a program they had to help people behind on service, monthly service charge plus XXXX or XXXX extra to not turn your service off, I was fully able to pay my bill, not only did they charge me the extra fees without my knowledge they also added my XXXX spending limit charge to my bill, all of this occured between XXXX of XXXX and XX/XX/XXXX when they cancelled my account for non payment of service mind you they cancelled after I paid my XXXX bill. went round and round with them about my service all the way to corporate, came to and understanding that I didn't owe XXXX any money and I no longer had service with them. then I start getting collections from Jefferson capital, I explained the situation and asked them to verify monies owed, they still have not been able to provide. yet they have been updating the debt as valid and current every year and the credit bureaus have been verifying when I dispute the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or missing disclosures — 
Company: CCF Intermediate Holdings LLC
State: AZ

Complaint narrative:
I am receiving Emails from Speedy Cash services claiming that I owe XXXX $ for a {$500.00} loan. They are threatening me with litigation and continuously harassing me. They will not provide me with any information in regards to the loan I have disclosed to them that I never took a loan out from them. I have asked them to stop contacting me and contact my attorney in regards to an issue that is obviously fraudulent. I would like them to stop harassing me but they continue to do so. My attorney said for me to fill a complaint to your agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: LA

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 non-monetary relief
Consumer complaint received 2025-03-26 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: CA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see 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 2025-03-26 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 2025-03-26 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: AZ

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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. 

These following accounts are reporting inaccurate information on my credit report and need to be deleted.

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 2025-03-26 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 sent a letter regarding inaccurate and unknown accounts on my credit report. I want this unauthorized inquiries account blocked from my credit report within 5BD

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
I had asked Apple Card which is managed by Goldman Sachs to remove my erroneous credit report data from the XXXX credit reporting agencies in XX/XX/XXXX. Data was removed temporarily but was put back on to the XXXX credit reporting agencies in XX/XX/XXXX. Apple Card found their mistake again but still has failed to remove the erroneous credit report from Apple card on the XXXX credit reporting agencies which is affecting my credit reporting ratings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
In accordance with the fair credit reporting act the following accounts has violated my rights : This account is a mistake. I do not recognize these charges. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) Account Number : XXXX - TransUnion

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 2025-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
The car loan is being incorrectly reported as a charge off on my XXXX report. This account has been paid on a payment plan since XXXX of XXXX with the forgiveness of {$4600.00} however Capital one sent me a XXXX with over a {$7000.00} dollar debit relief balance which is incorrect. The payment plan has been satisfied but they will not change the XXXX off status and send me the correct 1099. The correct pay off amount is located on the documents provided.

Company response to consumer: Closed with explanation