vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 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:
To whom this may concern, my name is XXXX XXXX XXXX, and I recently discovered that I am a victim of identity theft. I'm writing this personal statement on my behalf, because I've found that my personal information and identification have been used to apply for and obtain financial goods, or services without my consent or knowledge. I am requesting that the listed accounts here be fully investigated, reviewed, and permanently deleted from my reports immediately. Additional Unauthorized Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NC

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I do not agree with the accounts listed below which still appear on my credit report even after your investigation. I am requesting that these accounts be immediately re-investigated. These inaccuracies are highly injurious to my credit rating.

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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I do not agree with the accounts listed below which still appear on my credit report even after your investigation. I am requesting that these accounts be immediately re-investigated. These inaccuracies are highly injurious to my credit rating.

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 2025-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

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 2025-07-22 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-07-22 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 AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-07-22 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: PA

Complaint narrative:
I am requesting that TRANSUNION immediately conduct a full reinvestigation of the late payments reported on the following accounts by XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number ending in XXXX XXXX XXXX Account Number ending in XXXX The creditor failed to provide advance notice of the payment due date or of any missed payment, which denied me a fair opportunity to correct or avoid the delinquency. This failure to notify violates the Fair Credit Reporting Act ( FCRA ) under Sections 1681e ( b ), 1681s-2 ( a ), and 1681i.

I am requesting the following resolution : That TRANSUNION contacts XXXXXXXX XXXX  to verify whether proper notice or billing statements were issued prior to reporting the late payment ( s ). 

If the creditor can not provide documented proof that notification was provided, including payment reminders or default warnings, I am requesting that the late marks be permanently deleted from my credit file. 

That I receive written confirmation of the results of this investigation within 30 days, as required under FCRA 1681i. 

My goal is to ensure that only accurate and legally compliant information remains on my report, and I request that these late payments be removed if they can not be verified according to the law.

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 2025-07-22 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: IL

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
There are two installment debts on my credit report that show as auto loans. I havent recieved any validation or info regarding accounts. But have never had a car loan. I have disputed these accounts several times including ftc reports and police reports yet both companies continue to report this information which is illegal and fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XXXX XXXX XXXX I was at work and while I was at work, I got a notification from my Chase account that there was two different withdrawals and also two different purchases at a XXXX in XXXX XXXX XXXX XXXX. While all this occurred I was at work and I contacted Chase to open a claim. The claim later got denied due to the scammers somehow having access to my pin. They performed withdrawals at a non-chase ATM and I never use non-Chase ATM. They also purchased small items at XXXX and got cash back. I have proof that I was at work while all this was going on but thankfully I did take some pictures at work that day and under those pictures it shows the location that I was in which was at work I keep fighting Chase on the dispute, but they keep telling me theres no solution to this and I feel like its just unfair because the amount they took from me was XXXX $ it just doesnt make any sense to me because they did dispute one of the transactions on that same day but the rest they wont dispute for some reason and its so frustrating. It somehow feels like maybe someone in the company leaked out my information or something like that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
My name is XXXX XXXX. DOB : XX/XX/XXXX. Social : XXXX. I called MOHELA on XX/XX/XXXX, on or about XXXX XXXX  XXXX. My phone number is ( XXXX ) XXXX. I spoke to a XXXX female. I asked if she can call back if my phone disconnects ; she said no. I asked for her name twice and she refused. She counterquestioned my question. She said she needs to transfer me but refused to say why. I told her I do not give her permission to transfer the call. When I asked for her name, she willfully and deliberately stoped talking. I could hear background noise and typing. I continued to ask for her name and there was a long moment of dead air ( silence ). She then started speaking but refused to provide her name. Then she disconnected the call on purpose. This is egregious. In addition, MOHELA has a F rating with XXXX and purports that federal privacy laws prevents them from responding to borrowers valid complaints. This is false and misleading ; there are no federal laws that prevents MOHELA from responding to XXXX complaints. All other federal loan servicers respond appropriately through the XXXX platform ( e.g., XXXX, XXXX, XXXX, etc. ). Here is my statement : I give MOHELA written permission to send any and all correspondence about my federal student loans through the XXXX  and CFPB XXXX. If MOHELA refuses to respond to my complaint through thXXXX XXXX, I will file a complaint with members of XXXX, state agencies and the FSA Ombudsman Group. Moreover, MOHELA has excessive telephone hold times. Please enroll all of my federal loans into processing forbearance ; I am submitting my IDR application.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-21 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: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-07-21 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: PA

Complaint narrative:
I reviewed my credit report and found several negative accounts being reported that I believe are inaccurate, unverifiable, or outdated. I contacted the credit bureaus directly and formally disputed this accounts. Despite my good-faith efforts, the bureaus failed to provide proper verification or remove these items. Some may be duplicates, and others may lack proper documentation. I'm not receiving a proper resolution, and my credit is being harmed unfairly.

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 2025-07-21 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: GA

Complaint narrative:
There is incorrect personal information on my credit report with all three credit bureaus. ( Transunion, Exquifax and Experian ). I have reached out to them by mail, phone and online and still this has not been corrected.

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 2025-07-21 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: GA

Complaint narrative:
There is incorrect personal information on my credit report with all three credit bureaus. ( Transunion, Exquifax and Experian ). I have reached out to them by mail, phone and online and still this has not been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Oliphant United, Inc.
State: VA

Complaint narrative:
Oliphant USA, a Debt Collector is here to help. Call XXXX or text us back today so we can discuss options to resolve your account. To optout txt STOP

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: NJ

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-07-21 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: OH

Complaint narrative:
I have submitted MULTIPLE disputes for over a year now pertaining to an auto loan that I previously had through XXXX XXXX XXXX. I made the last payment on the account on XX/XX/year> and the account was closed and I received the title to the vehicle shortly after. The problem with this account is that somehow Equifax began reporting late payments in XXXXXXXX XXXX XXXX, and continued doing so for the 5 or 6 months after the account was closed and paid in full. The inaccurate derogatory account history ranges anywhere from 30 to 90 days late for 6 months the inaccurate derogatory information a row AFTER the account was closed. This has resulted in the denial of credit products including a mortgage, financial losses due to higher interest rates, as well as extreme stress, frustration and XXXX. XXXX has confirmed that they have provided accurate information to all 3 credit bureaus, and have confirmed that Equifax is not reporting the data that they have been furnished despite multiple disputes having been filed and claims that the information was verified as accurate. I am now proceeding with legal action to pursue all damages Im entitled to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I would like to request an immediate investigation into a public record currently listed under my name, which I believe to be inaccurate and misleading. I have already provided the necessary documentation to support my claim and to clarify the situation. These documents should provide ample evidence that the information is incorrect and should be removed or amended. I am asking for your full attention to this matter so that it can be resolved swiftly and accurately, ensuring that my record reflects the correct and verified information.

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 2025-07-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/year>, a hard inquiry from " COAF '' appeared on my credit report without my knowledge or consent. I have never applied for credit with COAF, never authorized them to access my credit, and have no relationship or communication with this company whatsoever. 

Additionally, there is no contact information listed for COAF on the report, making it impossible to verify or dispute the inquiry directly. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) 604, which requires written authorization for a hard inquiry to be made. 

This unauthorized inquiry is negativity affecting my credit score and profile. I demand that this hard inquiry be immediately removed from all of my credit reports and that a full investigation be conducted into how and why personal information was accessed without permission. 

If this matter is not resolved promptly, I will escalate this issue with the Federal Trade Commission ( FTC ) and explore legal options for the violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I am filing a complaint regarding a fraudulent charge under investigation by Citi Bank.

Despite receiving two letters confirming that the charges were being investigated and that I would not be liable during the process, Citi has reported a late payment to my credit report. I was also verbally assured that no interest or payment would be due during this period.

However, Citi has applied interest and marked my account as past due, which is now reflected negatively on my credit report. I have repeatedly contacted customer service, but no action has been taken to remove the false report.

I request Citi to : 1. Remove the late payment record from all credit bureaus.

2. Waive any interest or late fees applied during the investigation.

3. Provide a written confirmation that the issue has been resolved.

Citi likely has phone recordings of the calls where this was confirmed.

Attached are two letters from Citi confirming the ongoing fraud investigation.

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 monetary relief
Consumer complaint received 2025-07-21 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: Exeter Finance, LLC.
State: CA

Complaint narrative:
There are two installment debts on my credit report that show as auto loans. I havent recieved any validation or info regarding accounts. But have never had a car loan. I have disputed these accounts several times including ftc reports and police reports yet both companies continue to report this information which is illegal and fraudulent.

Company response to consumer: Closed with explanation