vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-27 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: CA

Complaint narrative:
I want to emphasize that this complaint is not an error. My credit report contains inaccurate information that fails to meet the required standard of maximum possible accuracy. These errors are causing ongoing harm to my financial well-being, and I respectfully request that they be corrected or removed as soon as possible.

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 2025-05-27 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: VA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: GA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened 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 explanation
Consumer complaint received 2025-05-27 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: NV

Complaint narrative:
Let me be clearthis complaint is not in error. The inaccuracies on my credit report are causing real and ongoing hardship. These are difficult times, and having this corrected would be a meaningful step toward restoring my financial stability. I urge immediate action to fix or remove these issues.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: NY

Complaint narrative:
the credit bureaus never did a proper " investigation '' according to FCRA the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics or mode of living is obtain through personal interviews with neighbors, friends or associates of the consume reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information they did no do this also they have violated my rights even more In accordance with the Fair Credit Reporting Everything have to be 100 % accurate, there were 3 wrong addresses associated with some inaccurate accounts, illegal charge off and they refused to provide detailed information. this ground for removal They also violated the law because according to 15 U.S.C. 1681 section 602 A states i have the right to privacy 15 U.S.C. 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish 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 2025-05-27 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: VA

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 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 2025-05-27 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: IL

Complaint narrative:
Please block and delete the unauthorized accounts from my credit report at your earliest convenience. I have no knowledge of these accounts, nor did I initiate or approve them. Pursuant to USC 1681g, I am requesting their removal within 15 days. Ive included relevant documents for your reference. Its important to note that the account details being reported differ from bureau to bureau and are inaccurate.

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 2025-05-27 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: FL

Complaint narrative:
I am processing disputes on behalf of inaccurate information reported to my credit profile not following the FCRA & FDCPA laws. This has caused major inaccuracies reported a false information listed that is hindering my credit score and credit profile. These disputes needs to be investigated and resolved asap. Please review to remove all listed items reported to my dispute filing ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Unexpected fees — 
Company: Oasis Legal Finance Holding Company, LLC
State: PA

Complaint narrative:
I requested a lawsuit loan from oasis financial I asked for XXXX lump sum so I wouldn't have to pay more in fees and have interest one multiple loans they wouldn't do this I got approved for one small amount and I asked about a lump sum because I needed more than that I got told I could get another XXXX in 30 days I asked if it was already approved and they said yes I asked well why can't I get it now in XXXX lump some they gave me the run around I got a total of XXXX loans each with separate fees and high interest so a XXXX loan to repay is now {$8500.00} I got to repay I filed a complaint with pa attorney general and since oasis never responded they sent a copy to Illinois ag oasis never responded to them either I filed a complaint with the XXXX  oasis did respond and said they would take off the fees of XXXX loans I responded and asked the amount they responded and said this case is complete and that was all come to find out they only took {$150.00} off and not the interest and I feel that's why they wouldn't tell me the amount thst I asked so now I still got to pay interest on all XXXX loans instead of XXXX lump some witch would have been a lot lower repayment. I have seen reviews where people are complaining about the same thing. For a XXXX loan I'd be fine with paying back {$5500.00} even XXXX but not double of {$8500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: IL

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX - XXXX * * XXXX - XX/XX/XXXX - {$23000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - {$2700.00} 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

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 2025-05-27 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: NV

Complaint narrative:
Let me be clearthis complaint is not in error. The inaccuracies on my credit report are causing real and ongoing hardship. These are difficult times, and having this corrected would be a meaningful step toward restoring my financial stability. I urge immediate action to fix or remove these issues.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
CFPB XXXX XXXX XXXX XXXX XXXX XXXX ( PenFed ), Experian, XXXX Subject : Breach of Contract, Unauthorized Monetization, and False Reporting of Sold Debt I am submitting this complaint against XXXX XXXX XXXX XXXX ( PenFed ) for multiple violations of federal consumer protection laws, commercial code, and contract law, resulting in reputational harm, identity theft, and unlawful credit reporting. 

Summary of XXXX : XXXX has reported a consumer credit account to major credit bureaus without proving the existence of a valid, lawful contract. I assert the following material facts : No bilateral contract exists. I was never presented with or signed a valid agreement supported by full disclosure, mutual consent, or lawful consideration. 

My signature and Social Security XXXX were monetized and securitized without my knowing consent or compensation. 

The alleged agreement was unilateral, lacking mutual assent and violating fundamental principles of contract law. 

The alleged account was sold to a third-party debt buyer, yet XXXX continues to report the account as if it retains ownership, which is false, misleading, and constitutes constructive fraud. 

I have formally revoked any presumed Power of Attorney ( POA ) and rescinded my signature from the original alleged agreement due to lack of full disclosure, coercion, and failure to meet contract law standards. 

Violations of Law : Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681b No permissible purpose to report alleged debt without a verified contract.

15 U.S.C. 1681e ( b ) Failure to ensure accuracy after selling the debt.

15 U.S.C. 1681s-2 ( a ) Providing incomplete, inaccurate, or misleading information to credit reporting agencies.

15 U.S.C. 1681g & 1681h Failure to provide full data source and contract upon request.

Uniform Commercial Code ( UCC ) : UCC 3-303 ( b ) No value was given by XXXX to support the alleged obligation. 

UCC 3-305 ( a ) Instrument is unenforceable due to fraud and lack of capacity.

UCC 9-203 ( b ) No enforceable interest exists without value and an authenticated agreement.

UCC 1-308 I reserve all rights without prejudice and do not consent to unauthorized use of my name, trust property, or legal person.

Contract and Trust Law : Restatement ( Second ) of Contracts XXXX  No contract exists without mutual assent and lawful consideration.

Constructive Fraud Concealment of material facts, including the sale, securitization, and profit from my SSN and signature. 

Breach of Fiduciary Duty Misuse of private trust assets, without consent, in a commercial scheme.

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 2025-05-27 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: FL

Complaint narrative:
CFPB XXXX XXXX XXXX XXXX XXXX XXXX ( PenFed ), Experian, Transunion Subject : Breach of Contract, Unauthorized Monetization, and False Reporting of Sold Debt I am submitting this complaint against XXXX XXXX XXXX XXXX ( PenFed ) for multiple violations of federal consumer protection laws, commercial code, and contract law, resulting in reputational harm, identity theft, and unlawful credit reporting. 

Summary of XXXX : XXXX has reported a consumer credit account to major credit bureaus without proving the existence of a valid, lawful contract. I assert the following material facts : No bilateral contract exists. I was never presented with or signed a valid agreement supported by full disclosure, mutual consent, or lawful consideration. 

My signature and Social Security XXXX were monetized and securitized without my knowing consent or compensation. 

The alleged agreement was unilateral, lacking mutual assent and violating fundamental principles of contract law. 

The alleged account was sold to a third-party debt buyer, yet XXXX continues to report the account as if it retains ownership, which is false, misleading, and constitutes constructive fraud. 

I have formally revoked any presumed Power of Attorney ( POA ) and rescinded my signature from the original alleged agreement due to lack of full disclosure, coercion, and failure to meet contract law standards. 

Violations of Law : Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681b No permissible purpose to report alleged debt without a verified contract.

15 U.S.C. 1681e ( b ) Failure to ensure accuracy after selling the debt.

15 U.S.C. 1681s-2 ( a ) Providing incomplete, inaccurate, or misleading information to credit reporting agencies.

15 U.S.C. 1681g & 1681h Failure to provide full data source and contract upon request. 

Uniform Commercial Code ( UCC ) : UCC 3-303 ( b ) No value was given by XXXX to support the alleged obligation. 

UCC 3-305 ( a ) Instrument is unenforceable due to fraud and lack of capacity.

UCC 9-203 ( b ) No enforceable interest exists without value and an authenticated agreement.

UCC 1-308 I reserve all rights without prejudice and do not consent to unauthorized use of my name, trust property, or legal person. 

Contract and Trust Law : Restatement ( Second ) of Contracts 17 No contract exists without mutual assent and lawful consideration.

Constructive Fraud Concealment of material facts, including the sale, securitization, and profit from my SSN and signature. 

Breach of Fiduciary Duty Misuse of private trust assets, without consent, in a commercial scheme.

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 2025-05-27 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Comerica

Complaint narrative:
I am a U.S. citizen and submitted multiple valid IDs including my Certificate of Naturalization, Passport, and Social Security Card. The XXXX XXXX representative refused to verify my identity unless I submitted a birth certificate, which I do not have as a naturalized citizen. 

When I asked for a supervisor, they were extremely rude, told me to " go file a complaint, '' and disconnected the call. I am now left without access to my federal benefits, with no clear path to resolution. This is unacceptable. 

I am requesting the CFPB to investigate this behavior, as it has caused financial hardship and emotional distress And I can't access my money and my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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:
Submitted TWO ( 2 ) separate requests for Detailed Investigation Information and Method of Verification and Supporting Documentation for an investigation of an account TransUnion has verified as accurate as well as a detailed description of the methodology used to verify the account. This information has been requested several times over several months. 

TransUnion has FAILED to provide any SUPPORTING DOCUMENTATION or EVIDENCE from an investigation that was used to verify an account on my credit report WITHIN the required 30 DAYS.

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 2025-05-27 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: MD

Complaint narrative:
Requesting a reinvestigation for the account listed in the supporting documents. This account has been disputed a few times prior, and the credit bureaus refuse to provide the reinvestigation documents and details per my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Resolutions Corp.
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against ABSOLUTE RESOLUTIONS regarding an account I have with them XXXXXXXX XXXX XXXX XXXX XXXX. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : ABSOLUTE RESOLUTIONS I XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$9100.00} I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with ABSOLUTE RESOLUTIONS XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: National Credit Adjusters, LLC
State: NY

Complaint narrative:
I am sending this complaint to XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: IL

Complaint narrative:
This inquiry was made without my consent ; I have not interacted with this lender on the mentioned date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Truist Bank withdrew {$700.00} from my personal account without any prior notice or authorization, to pay off a business credit card for my XXXX, which I may have personally guaranteed. The funds taken were for my rent, and I was not given a chance to pay the debt voluntarily or notified in advance. 

I contacted Truist and requested a reversal due to financial hardship, but they refused. I believe this action was improper and predatory, especially as it involved personal funds not explicitly pledged as collateral. 

I am requesting a refund of the {$700.00} or a reversal of the transaction and for Truist to stop taking funds without consent. This has created severe hardship, including the risk of eviction.

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 2025-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent 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 non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent 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 response to consumer: Closed with explanation