vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-11 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 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 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by human trafficking. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 

XXXX XXXX XXXX Balance {$39000.00} XXXX XXXX  XXXX Balance {$43000.00} XXXX XXXX XXXX Balance {$18000.00} XXXX XXXX XXXX Balance {$39000.00} XXXX XXXX XXXX {$18000.00} XXXX  XXXX Balance XXXX Date opened XX/XX/XXXX XXXX XXXXXXXX XXXX inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX  inquired on XXXX XXXX, XXXXXXXX XXXX inquired on XXXX XXXX, XXXXXXXX XXXX inquired on XXXX XXXX, XXXX XXXX inquired on XX/XX/XXXX XXXXXXXX XXXX inquired on XX/XX/XXXXXXXX XXXX inquired on XX/XX/XXXX XXXX inquired on XX/XX/XXXXXXXX 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 2025-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I enrolled in a financial hardship program with AMEX. I signed up to the program with my XXXX XXXX  account. I immediately requested to cancel my enrollment. AMEX customer service representative told me that I was not allowed to unenroll from the program. I called back and spoke with a different representative who then honored my request, and informed me that he had unenrolled me from the program. I haven't received any confirmation email that that actually happened. There was no money in my XXXX XXXX  account, so AMEX used information from another account ( XXXX XXXX XXXX ) that I had previously used for making payments to my card and initiated an ACH transfer that I did not authorize. AMEX withdrew {$120.00} from my XXXX XXXX XXXX account without my consent. I have filed a dispute with XXXX XXXX XXXX, and AMEX has been completely uncooperative.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC
State: MI

Complaint narrative:
Good evening, my complaint is simple. XXXX XXXX and XXXX ( XXXX Collector ) is trying to collect on a debt that has already been paid. I received service from XXXX XXXX on XX/XX/XXXX. After, which I received a bill from XXXX XXXX XXXX XXXX. I immediately contacted my XXXX company and was advised that the bill of XXXX would be paid in full. Fast forward, to XX/XX/XXXX, XXXX has reported false information to the Credit Bureau. I made contact with my XXXX company today and was reassured and given documentation via email that the bill for the service I received has been paid in full as of XX/XX/XXXX. I made contact with XXXX who claims they still have a debt owed for me in their office. This is negatively effecting my credit report and they are showing no concern. I am requesting that they remove their report from the Credit Bureau immediately. It is false. The bill has been paid for more than XXXX years! The payment number of funds received by XXXX XXXX XXXX XXXX is XXXX. I don't know if XXXX advised XXXX that they received payment or not, but some type of communication should have happened by now. Thank you for looking into this matter. XXXX was covered by XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: IL

Complaint narrative:
I am writing to formally dispute the inclusion of the following inaccurate and unauthorized accounts on my credit report I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ). You are legally obligated to conduct a reasonable and timely investigation into this matter. If you can not verify the accuracy of this account within 30 days, it must be deleted immediately from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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 2025-04-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
XXXX XXXX has placed a negative post on my credit profiles with XXXX and XXXX. I did not sign any agreement with the collection agency and further ore do not know this debt. I have disputing with experian and XXXX and they have not provided a thorough investigation. They referred me to CFPB to file a complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: Experian Information Solutions Inc.
State: MI

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 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 2025-04-11 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: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$2900.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX  XXXX  - XXXX XXXX XX/XX/XXXX - {$660.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$260.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$600.00} XXXX  XXXX  XXXX  - XXXX - XX/XX/XXXX - {$1200.00} XXXX - XXXX - XX/XX/XXXX - {$11000.00} XXXX - XXXX - XX/XX/XXXX - {$1700.00} INQUIRIES : XXXX  XXXX XXXX  NA XX/XX/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 2025-04-11 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department of Education Abolishment To Whom It May Concern, I am filing a formal complaint against XXXX, Experian, XXXX, and XXXX for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education. 

# # # Complaint Details : XXXX. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education. 

XXXX. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment. 

XXXX. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ). 

I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 

Sincerely, 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 2025-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
This is technically a " new '' complaint but we already filed complaint # XXXX with the CFPB and American Express closed ouXXXX case without correspondence to/from us and without our permission. I have attached their response to your agency. My wife and I have given American Express permission to speak to your agency and any other outside entities about our case. The letter titled " AmEx '' explains our entire situation. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
I am filing this complaint regarding inaccurate items on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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:
I am filing this complaint against Equifax, Experian, and TransUnion for violating multiple sections of the Fair Credit Reporting Act ( FCRA ) by allowing XXXX. XXXX XXXX XXXX to report inaccurate and unvalidated information on my credit report. 

On XX/XX/year>, an account from XXXX. XXXX XXXX XXXX appeared on my credit profile without any prior validation or verification. This resulted in an immediate XXXX-point drop in my credit score. I had not received any debt validation, notice, or due process regarding this reporting. 

After I filed a complaint with the CFPB, the account was removed on XX/XX/year>, confirming that it was either unverified or unlawfully reported. Regardless of the removal, the harm had already been done. 

By law, the credit bureaus are responsible for ensuring the accuracy and legal validity of all furnished information. In this case, they failed. 

The bureaus violated the following FCRA provisions : 15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation upon my dispute.

15 U.S.C. 1681c ( a ) ( 5 ) : Permitting the inclusion of obsolete, unverifiable, or invalid information.

15 U.S.C. 1681n and 1681o : Willful or negligent noncompliance with their legal obligations under the 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 non-monetary relief
Consumer complaint received 2025-04-11 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 filing this complaint against Equifax, Experian, and TransUnion for violating multiple sections of the Fair Credit Reporting Act ( FCRA ) by allowing XXXX. XXXX XXXX XXXX to report inaccurate and unvalidated information on my credit report. 

On XX/XX/year>, an account from XXXX. XXXX XXXX XXXX appeared on my credit profile without any prior validation or verification. This resulted in an immediate XXXX-point drop in my credit score. I had not received any debt validation, notice, or due process regarding this reporting. 

After I filed a complaint with the CFPB, the account was removed on XX/XX/year>, confirming that it was either unverified or unlawfully reported. Regardless of the removal, the harm had already been done. 

By law, the credit bureaus are responsible for ensuring the accuracy and legal validity of all furnished information. In this case, they failed. 

The bureaus violated the following FCRA provisions : 15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation upon my dispute.

15 U.S.C. 1681c ( a ) ( 5 ) : Permitting the inclusion of obsolete, unverifiable, or invalid information.

15 U.S.C. 1681n and 1681o : Willful or negligent noncompliance with their legal obligations under the 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 2025-04-11 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: PA

Complaint narrative:
Had the loan set on AutopaXXXX with XXXX via their online banking portal. 

Despite their website indications, XXXX XXXX XXXXXXXX XXXX the autopay ( removed ) from my autoloan and I was not made aware of this change on their part until I received a letter from them that my account was past due. 

In the meantime, they reported a late payment to the credit reporting agencies and my near perfect credit score dropped precipitously. 

I have attempted to resolve this issue with XXXX but have been unsuccessful to this point. 

XXXX customer 's service is poor and through no fault of my own, I have been negatively impacted by their handling of this situation. 

My desire is for XXXX to be held to account for their mistake and am considering ceasing all banking with XXXX XXXX XXXXXXXX for their poor operation of the online banking portal and their subsequent inability to resolve this to my satisfaction. 

Furthermore, their phone system is poor. When I attempted to reach the executive office team, I followed the prompts on their phone system to do so and was directed to a general department and not the executive office.

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 2025-04-11 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: WA

Complaint narrative:
XX/XX/year> deferment has been approved XX/XX/year> I submitted a formal request to Nelnet regarding an error in how my student loans are being reported to the credit bureaus. Although I am XXXX XXXX XXXX XXXX  and my loans are in XXXX XXXX XXXX they are being inaccurately reported as late/delinquent. 

This reporting is incorrect and has negatively affected my credit score. According to federal student loan guidelines, XXXX XXXX XXXX XXXX  are not due and should not be reported as late. I provided proof of my enrollment and requested that Nelnet correct the reporting and update the credit bureaus accordingly. 

To date, this issue has not been resolved, and the inaccurate information remains on my credit report. I am filing this complaint to request CFPB assistance in ensuring the information is corrected, and my credit is restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: IL

Complaint narrative:
Money randomly get took out my account for various people or resources and when I try to report it never works

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: FL

Complaint narrative:
Im really worried about the mistakes on my credit report. These inaccuracies have been stressing me out and its affecting everything, from loan options to higher interest rates, to my ability to secure new credit. Ive worked hard to build my credit and it is disheartening to know that my rights as a consumer is being violated. I value my credit a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. I need you to make sure all this information is 100 % correct. I'm getting really worried and want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 2025-04-11 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The Outsource Group, Inc
State: FL

Complaint narrative:
A company called medicredit keeps contacting me repeatedly every day multiple times a day. They claim a debt froXXXX XXXX XXXX  which I recognize but I asked to put on the do not call list and they hung up right away. They still keep calling, another person answered and I let her know again that I asked to be on the XXXX list why are you still calling me. Now, I get calls from XXXX number with a pre recorded message that repeats three times before hanging up. I have an XXXX recognized XXXX which is XXXX XXXX XXXXXXXX and all these calls are making my XXXX worse and XXXX XXXX. Please I understand I owe a debt for a hospital visit but this isnt fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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:
Good day! I'd like to let you know that there are items on my credit report that have resulted from fraud to which I never benefited from. I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated. Please prevent further harm and fraud to my personal information by having all these fraudulent transactions and account removed from my credit report. It would be a big help to lessen the tremendous anxiety and stress it's causing me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: IL

Complaint narrative:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to 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 non-monetary relief