vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 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: OH

Complaint narrative:
I am filing a complaint under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2 and 1681i. A collection account on my credit report is inaccurate, and after I disputed it, the reporting party failed to properly investigate or correct the error. This is affecting my creditworthiness and violates my rights under federal law. '' 15 U.S.C. 1681i If you dispute an account, the credit reporting agency must investigate within 30 days and correct or delete inaccurate info.

15 U.S.C. 1681s-2 ( a ) Debt collectors must report accurate information. If a collector reports false or outdated info ( e.g., a paid collection still showing as unpaid ), it may violate this section.

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 2025-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Medical Expenses Removal The debt MUST be removed as per federal law since it's related to the Consumer Financial Protection Bureau ( CFPB ), Regulation V, 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 2025-05-15 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : Inquiries : XXXX XXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX Date XX/XX/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 2025-05-15 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: NC

Complaint narrative:
TransUnion is reporting numerous hard inquiries on my credit report that I have reason to dispute, including inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ). Many of these inquiries appear to have been reported without my authorization or proper initiation on my part. The presence of these inquiries severely impacts my creditworthiness and financial reputation.

Under 15 U.S.C. 1681b ( f ) and 15 U.S.C. 1681c ( a ) ( 3 ), consumer reporting agencies must ensure that hard inquiries are permissible and accurately reflect authorized credit requests. I have reason to believe these inquiries are the result of inaccurate reporting, potentially due to a data breach that compromised the security of my personal information, rather than due to any legitimate application or authorization on my part. It is the responsibility of TransUnion to verify the legitimacy of each inquiry with the requesting party and to remove any inquiries that are unverified or unauthorized.

Furthermore, as required by 15 U.S.C. 1681i, TransUnion must conduct a reasonable reinvestigation within 30 days of my dispute, ensuring that each of these inquiries is thoroughly verified and documented. Failure to conduct proper reinvestigations and the continued reporting of unverified inquiries violate the FCRA and cause severe financial harm by lowering my XXXX XXXX and limiting my access to credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: Tilt Finance, Inc.
State: IL

Complaint narrative:
I originally opened the account and deposited money into my savings account and I had it pull {$100.00} every week if it was available. Before then it had never pulled out smaller increments to force {$100.00} but for some reason it did. When I did, it pulled out of my checking account, which I was going to be using for bills and so I disputed it. Once that happened, I realize XXXX days later that my account was locked. I emailed them XX/XX/XXXX. Since then I have been calling and emailing and they have not responded back to me. The last email I sent to them was XXXX days ago from this message being sent to you today. I was using the empower auto save app.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
The day of buying the car I currently I called to have insurance on a vehicle, the premium for the insurance was expensive and I still needed money down on my vehicle because of my credit score. I was told for the specific car I wanted at first that the dealer can not go any lower than {$2500.00} as a down payment and I had XXXX XXXX  in total. I left the dealership and went online to keep looking through their inventory. I called the dealership back asked for the cheapest car they have so that I have a car to get to work for the week coming. They called back and said they have a car for me. I called progressive insurance back to switch the vehicle from the initial one I wanted to proceed with. I called to put insurance on and put {$1500.00} down on the final vehicle. I was rushed through the process and signed paperwork I didn't fully read. weeks later I Looked up the fair market value of the car later and it was XXXX grand less than the sticker price they had. Got an email from my insurance stating that my policy in total was raised {$730.00} with no reasoning. I called them and asked why and was told it was due to a reason unknown to progressive ... also I went over the paperwork and saw that my interest rate was 24.49 % which is XXXX XXXX XXXX  of interest added to the loan so I would be paying close to {$30000.00} once I'm done paying for this vehicle valued at XXXX XXXX XXXX  fair market value

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 2025-05-15 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: OH

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 2025-05-15 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: 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 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 2025-05-15 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 2025-05-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I need you to help me check where the money is, the result of a transfer made on XX/XX/XXXX and so far you have not received the money.

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 2025-05-15 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: CT

Complaint narrative:
In XX/XX/2025, I submitted what I believed to be an application for an Income-Driven Repayment ( IDR ) plan through my federal loan servicer. I was informed that my account would be placed into forbearance while the application was being processed. However, in XX/XX/2025, I discovered that my account had been placed on the Extended Graduated Plan instead of an IDR, and that a late payment had been reported to the credit bureaus as of XX/XX/2025. 

I was never notifieddigitally or by mailthat my loan had entered repayment or that a payment was due. I was also not informed that my autopay would be canceled or that I needed to take any additional steps to maintain my account. The first time I became aware of the problem was when I saw a delinquency on my credit report, at which point my credit score had dropped by approximately XXXX points. 

After discovering this, I immediately called the servicer on multiple occasions. I experienced dropped calls, delays, and inconsistent information. On XX/XX/XXXX, I was finally informed that I would need to reapply for IDR through XXXX and that my contact email was outdated. I updated my information and submitted follow-up messages requesting account documentation and correction. 

I also submitted a FOIA request to the XXXX Department of Education to obtain records related to my application, communication history, and servicing notes. Despite my good-faith efforts and timely action, I have not received a resolution or confirmation that the late reporting will be removed. 

This situation also raises concerns about the secure handling and delivery of borrower communications, especially given I was enrolled in XXXX but received no notice about my account entering repayment. 

The delinquency reporting does not reflect my intent or behavior, and I am requesting that it be removed from my credit report due to miscommunication, mishandling of my repayment plan, and a lack of proper notification by the servicer.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
In XX/XX/year>, I submitted what I believed to be an application for an Income-Driven Repayment ( IDR ) plan through my federal loan servicer. I was informed that my account would be placed into forbearance while the application was being processed. However, in XX/XX/year>, I discovered that my account had been placed on the Extended Graduated Plan instead of an IDR, and that a late payment had been reported to the credit bureaus as of XX/XX/year>. 

I was never notifieddigitally or by mailthat my loan had entered repayment or that a payment was due. I was also not informed that my autopay would be canceled or that I needed to take any additional steps to maintain my account. The first time I became aware of the problem was when I saw a delinquency on my credit report, at which point my credit score had dropped by approximately XXXX points. 

After discovering this, I immediately called the servicer on multiple occasions. I experienced dropped calls, delays, and inconsistent information. On XX/XX/XXXX, I was finally informed that I would need to reapply for IDR through XXXX and that my contact email was outdated. I updated my information and submitted follow-up messages requesting account documentation and correction. 

I also submitted a FOIA request to the XXXX Department of Education to obtain records related to my application, communication history, and servicing notes. Despite my good-faith efforts and timely action, I have not received a resolution or confirmation that the late reporting will be removed. 

This situation also raises concerns about the secure handling and delivery of borrower communications, especially given I was enrolled in XXXX but received no notice about my account entering repayment. 

The delinquency reporting does not reflect my intent or behavior, and I am requesting that it be removed from my credit report due to miscommunication, mishandling of my repayment plan, and a lack of proper notification by the servicer.

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 2025-05-15 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: CT

Complaint narrative:
In XX/XX/year>, I submitted what I believed to be an application for an Income-Driven Repayment ( IDR ) plan through my federal loan servicer. I was informed that my account would be placed into forbearance while the application was being processed. However, in XX/XX/year>, I discovered that my account had been placed on the Extended Graduated Plan instead of an XXXX, and that a late payment had been reported to the credit bureaus as of XX/XX/year>. 

I was never notifieddigitally or by mailthat my loan had entered repayment or that a payment was due. I was also not informed that my autopay would be canceled or that I needed to take any additional steps to maintain my account. The first time I became aware of the problem was when I saw a delinquency on my credit report, at which point my credit score had dropped by approximately XXXX points. 

After discovering this, I immediately called the servicer on multiple occasions. I experienced dropped calls, delays, and inconsistent information. On XX/XX/XXXX, I was finally informed that I would need to reapply for XXXX through XXXX and that my contact email was outdated. I updated my information and submitted follow-up messages requesting account documentation and correction. 

I also submitted a FOIA request to the XXXX Department of Education to obtain records related to my application, communication history, and servicing notes. Despite my good-faith efforts and timely action, I have not received a resolution or confirmation that the late reporting will be removed. 

This situation also raises concerns about the secure handling and delivery of borrower communications, especially given I was enrolled in XXXX but received no notice about my account entering repayment. 

The delinquency reporting does not reflect my intent or behavior, and I am requesting that it be removed from my credit report due to miscommunication, mishandling of my repayment plan, and a lack of proper notification by the servicer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: CA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: CA

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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 obtained my transunion report and noticed XXXX fraudulent/unauthorized inquiries from XXXX I obtained my XXXX  report and noticed XXXX fraudulent/unauthorized inquiries from XX/XX/year> I obtained my XXXX  credit report and noticed XXXX XXXX inquiries from on credit report from XX/XX/year>

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 2025-05-15 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: CA

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

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Credit Fresh Holdings Inc
State: MI

Complaint narrative:
A representative by the name of XXXX XXXX contacted several family members and neighbors regarding my account. XXXX did not state what company she worked for but referenced Credit Fresh as the debt owed. She contacted most people on XX/XX/year> at approximately XXXX. I spoke with XXXX to inform her that she does not have authority and/or authorization to contact anyone that she thinks is associated with me. The practices she has executed is illegal in the XXXX XXXX XXXX, not to mention they are abusive an obsessive. I requested that she only contact me directly regarding my debt. If I find out XXXX XXXX and/or its affiliates contact anyone else I will be filing legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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:
I submitted a full identity theft dispute package to Equifax, which included : My government-issued ID A detailed list of fraudulent accounts and inquiries A signed written statement affirming that I did not authorize the disputed items A police report documenting the identity theft Under FCRA Section 605B, Equifax is required to block this fraudulent information within XXXX business days of receipt. Instead, Equifax responded on XX/XX/year>, stating they are not blocking the items and are instead initiating a Section XXXX reinvestigation. 

This is not legally permissible under Section 605B when proper documentation has been submitted. Equifaxs refusal to block the fraudulent items violates my rights and is causing continued harm to my credit profile. I have complied with all legal requirements.

Company response to consumer: Closed with explanation