vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 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: SC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Fresh Holdings Inc
State: OH

Complaint narrative:
I spoke with this company about my past due amount of XXXX $ on my loan with credit fresh. I told them I had a financial hardship with work, and that I would take care of the last due amount as soon as I could. And even called periodically to update them. I spoke with them yesterday ( XX/XX/year> ) and told them I get paid today ( XX/XX/year> ) and that I would def atleast pay the past due. Amd if I could pay the whole amount I would. Well before my check even posted to my account, they hit it for the payment and overdrafted me. Then called me again! Asking about the last due amount. I said my check wasnt in there yet and the man kept tryin to talk over me, and told me I owed them this money, and had a very XXXX attitude. I told him I was the one that called them to make arrangements for it, if i didnt intend to pay it I wouldnt have called at all. And said this is harassment. And he just kept sayin about I didnt make the payment yet. I told him that the paycheck posts in my account by the afternoon on wednesdays every week. And when it goes in Id pay it. And just kept saying if its a certain amount of days past due itll default and Ill owe the whole amount and just was real nasty with me. Absolutely unnecessary and unacceptable. Ive paid it everytime Ive said I would. Theres no need for all of that. Or to be pressuring me everyday over it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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 understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: TX

Complaint narrative:
Please help me, I have attached supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: TX

Complaint narrative:
Please help me, I have attached supporting documents.

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 2025-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-04-09 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: VA

Complaint narrative:
SOMEONE STOLE MY PERSONAL INFORMATION AND USED IT TO OPEN UP ACCOUNTS. PLEASE BLOCK AND REMOVE THESE INACCURATE ACCOUNTS FROM MY CREDIT PROFILE. THANK 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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. 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 2025-04-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am writing to formally request validation of the alleged debt mentioned above, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ). It has come to my attention that this debt is currently being reported on my credit report, and I would like to resolve this matter. 

Please provide : XXXX. **Documentation that verifies the debt** : Proof that I agreed to the terms which led to this debt, including the original signed agreement if applicable. 

XXXX. **Detailed accounting of the debt** : An itemized statement providing a breakdown of how the alleged amount was calculated. 

XXXX. **Verification that your company is legally entitled** to collect this debt : Details such as licensing documentation if required in my state. 

Furthermore, should you be able to validate the debt, I am willing to discuss an appropriate settlement arrangement to satisfy any legitimate and validated obligations. As part of this resolution, I would request that you provide written confirmation that upon payment, the negative entry related to this account will be deleted from all major credit reporting agencies ( XXXX, XXXX, and XXXX ). 

If you are unable to validate this debt, I respectfully request that you cease collection activities and remove any erroneous credit report entries related to this account in accordance with the Fair Credit Reporting Act. 

Please respond in writing within 30 days of receipt, acknowledging this dispute and providing the requested validation documentation. All future communication regarding this matter should be in writing. 

Thank you for 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 2025-04-09 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: Alliant Capital Management LLC
State: OR

Complaint narrative:
XXXX XXXX from Alliant Capital Management - XXXX : XXXX called a relative of mine and disclosed that the call was attempt to collect a dept and they also disclosed the amount of debt was owed to a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: FL

Complaint narrative:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect 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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Servicer under contract with Federal Student Aid
State: MA

Complaint narrative:
Illegal Student Loan Reporting & Collections Following Department of Education Abolishment

Company response to consumer: Untimely response
Consumer complaint received 2025-04-09 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: World Acceptance Corporation
State: SC

Complaint narrative:
I have submitted credit report, IDs drivers license, Social Security card, birth certificate, passport the same as I sent to you they say its not clear enough. they want a clear copy of my ID drivers license state issue ID card passport completed theft, affidavit, and police report. Ive sent this to these people multiple times all they did was update charged off,. States my documents is unreadable. XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX as I written letter through you to clear my report, they steal not clearing it fully

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: TX

Complaint narrative:
ACCORDING TO THE FAIR CREDIT REPORTING ACT, ACCOUNT NO. XXXX HAS VIOLATED MY RIGHTS. 

15 U.S.C. 1681 SECTION 602 A. STATES THAT I HAVE A RIGHT TO PRIVACY.

15 U.S.C. 1681 SECTION 604 TO SECTION 2 : ALSO STATES THAT A CONSUMER REPORTING AGENCY MAY NOT PROVIDE AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2025-04-09 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: TX

Complaint narrative:
ACCORDING TO THE FAIR CREDIT REPORTING ACT, ACCOUNT NO. XXXX HAS VIOLATED MY RIGHTS. 

15 U.S.C. 1681 SECTION 602 A. STATES THAT I HAVE A RIGHT TO PRIVACY.

15 U.S.C. 1681 SECTION 604 TO SECTION 2 : ALSO STATES THAT A CONSUMER REPORTING AGENCY MAY NOT PROVIDE AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian continues to report harmful inaccuracies on my credit profile that should have been corrected long ago. The presence of these errors signals a serious flaw in your investigation and verification process. These inaccuracies are directly harming my financial standing, and I will not tolerate continued negligence. 

The FCRA requires that every item reported must be both accurate and verifiable through original supporting documents. If Experian can not prove these records are valid using legitimate evidence, they must be deleted immediately. I expect a complete reinvestigation and immediate correctionfurther delay will be treated as a direct violation of my rights. 

The following dispute items are inaccurate and require urgent correction : Personal Information ( XXXX  ) Also Known As : 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 2025-04-09 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: SC

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: NJ

Complaint narrative:
I went to check my credit report and noticed there were some inquiries that were listed that are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifaxs repeated failure to properly address disputes has become a pattern, and it's one that has already drawn federal scrutiny and legal consequences. I refuse to let my credit file suffer due to continued noncompliance and careless reporting practices.

According to 15 U.S.C. 1681i, Equifax is legally required to reinvestigate all disputed items within 30 days and delete anything that can not be 100 % verified using original, reliable documentation. These reporting errors are harming my financial future, and I will escalate this matter if corrective action is not taken immediately. 

The following dispute items must be reexamined and removed if proper documentation can not be produced : Personal Information ( EQ ) Former : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am writing to formally follow up on my prior disputes regarding several inaccurate entries on my credit report. It is extremely disappointing to see that the reporting continues to reflect misinformation, and my concerns have not been appropriately addressed.

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 2025-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I received via email a Zelle invoice reflecting a {$350.00} charge and balance on an account that I do not have. The Senders name & email client ( XXXX  ) is clearly depicted on that email. I do not know the sender, nor do I know the person that the email says received the {$350.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: NJ

Complaint narrative:
XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$470.00} Credit Card Opened by the Thief Company or Organization : fst premier Date fraud began : XX/XX/XXXX Date that I discovered XXXX Total fraudulent amount : {$320.00} Credit Card Opened by the Thief Company or Organization : National credit systems Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$120.00} Adress not associated with me thats on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX PA 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 2025-04-09 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: PA

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 2025-04-09 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: PA

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 2025-04-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: KEYCORP
State: NC

Complaint narrative:
This is regarding the fact that I received the wrong amount for the XXXX refer a friend promotion payout. I received {$50.00} by check when I was explicitly told I would receive the {$200.00} XXXX earned, according to the terms and conditions. 

My missing {$150.00} I should have received by check. I was told explicitly by the representative : " You will receive a check in the mail. It will be {$200.00}. '' as evidenced in this chat ( screenshot attached ). I received a check, but for the wrong amount of {$50.00}. 

XXXX XXXX stated " I am sorry you were provided misinformation on your chat with our XXXX 90 Days from account opening of XX/XX/year> is XX/XX/year>, the balance at the end of that day was not {$30000.00} so you were provided the correct payout of the {$50.00}. '' However, I was told on XX/XX/year> over the phone with your representative when I asked specifically about the dates that the account opening day is day XXXX, making day XXXX XX/XX/XXXX, at which point my balance was over {$30000.00}. 

XXXX XXXX has not followed through with the correct payout as stated explicitly in the terms and in communication with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: NJ

Complaint narrative:
DEPT OF EDUCATIONXXXX : # XXXX, XXXX XXXX : # XX/XX/scrub>/2023, has violated my rights.

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 2025-04-09 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: FL

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and maybe false. Please act right now to resolve this problem. For more information, see the materials that are attached.

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 2025-04-09 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: MD

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem 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