vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-20 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: CA

Complaint narrative:
This company was to provide a " line of credit '' in exchange for credit reporting. After approximately 3 months of service, a technical issue prevented me from logging into my account, The exact issue was that I would input my username and password and the system then says it is emailing me a code. This email never arrives and I am unable to go any further. The same issue arose when trying to " reset '' my password. 

During this time I was locked out of my account, my credit card on file was canceled by the bank and a new card resissued. This caused the payments to decline. DUE TO THEIR INTERNAL ISSUE I WAS NOT MADE AWARE OF THIS ISSUE BY EMAIL OR ANY OTHER WAY. When I discovered that XXXX, a " credit Building service '' had been reporting late payments on my credit reports, causing me great monetary harm, by the way, I immediately contacted XXXX. They have no live support, so you must email, I have saved all of the emails and will attach them. The customer service rep was able to resolve ( after several days ) the login / email issue. I asked the rep if they could remove the late payments on my credit report, and they refused. DUE TO THEIR SYSTEM!!!!

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 2023-11-20 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: FL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning unauthorized inquiries on my credit record. This information does not belong to me. I need this fraudulent information removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: FL

Complaint narrative:
This apartment complex in XXXX that my Ex- Girlfriend was living in. She Apparently moved out after investigating after the debt calls. 

Debt collector was calling me saying I owed money and only thing they had was my name and random addresses I have never heard of. 

I said send me the information but I don't have those addresses. I have owned a house in XXXX for the past three years that i just sold XXXX of XXXX. 


I'm not sure what has happened. I do not owe this debt nor ever lived at this place. They don't have any of my correct information. 

I have no Documents regarding this other than a few phone calls I ended up hanging up on and when this popped up on my credit report through XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 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: MD

Complaint narrative:
I am writing to formally file a complaint against XXXX located in XXXX, GA ; XXXX located in XXXX, TX and TRANSUNION located in XXXX, PA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, causing me significant financial and mental distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim, they have failed to provide the necessary documentation as required by the FCRA. Despite my persistent efforts to resolve this issue over the past several months, XXXX, XXXX AND TRANSUNION has consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints lodged against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of this XXXX bureaus namely XXXX, XXXX AND TRANSUNION has inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.

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 2023-11-20 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: MD

Complaint narrative:
I am writing to formally file a complaint against XXXX located in XXXX, GA ; EXPERIAN located in XXXX, TX and XXXX located in XXXX, PA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, causing me significant financial and mental distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim, they have failed to provide the necessary documentation as required by the FCRA. Despite my persistent efforts to resolve this issue over the past several months, XXXX, EXPERIAN AND XXXX has consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints lodged against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of this XXXX bureaus namely XXXX, EXPERIAN AND XXXX has inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.

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 2023-11-20 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:
15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the Sumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEN port anything on my consumer report which violates my rights as a federal prot umer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletions listed IMMEDIATELY!!!

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 2023-11-20 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 filing this complaint on my own behalf to address an issue concerning unauthorized inquiries on my credit record. This information does not belong to me. I need this fraudulent information removed immediately.

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 2023-11-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: NM

Complaint narrative:
I received a letter from Mitchell D. Blum & Associates, LLC, requesting I pay {$49.00}. I believe this bill originated from XXXX XXXX XXXX and it is erroneous in nature. This bill collector is attempting to debt that is not owned by me. I have to insurances XXXX being XXXX, the other is private. XXXX has never received a bill from this hospital for services on the date of XX/XX/2020, I was never seen at this hospital on that date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TN

Complaint narrative:
XX/XX/ I went to the studentaid.gov website and applied for the Income-Driven Repayment Plan ( SAVE ) program. The application went to my servicer Nelnet to complete. I also applied for Public Service Loan Forgiveness which I already received earlier this year for a portion of my loans through XXXX. XXXX is waiting to get my consolidated loans and Income-Driven Repayment Plan application from Nelnet but they refuse to process it or give me any information about when they will send my loans over to XXXX. I emailed and they sent me a generic response with no specific information. I call and am told to hold for 60 minutes to speak with an agent only to have the call disconnected. My XXXX  also has student loans with Nelnet and his Income-Driven Repayment Plan ( SAVE ) application was submitted after mine in XXXX and it has already been processed and approved in less than 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: NJ

Complaint narrative:
Please check the enclosed documents. I would like the bureau to commence an investigation into these accounts where I have a history of timely payments, despite being inaccurately reported as late.

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 2023-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Review the attached documents. I am requesting the bureau to start an investigation into these accounts, as they incorrectly indicate late payments, even though I have a record of being punctual.

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 2023-11-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CMI Group, Inc.
State: OH

Complaint narrative:
I am not liable for this debt with XXXX Charter communications. I do not have a contract with credit management LP. They did not provide me with the original contract as I requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
I have an AMEX platnum card. The card gave me an offer that if I spent {$200.00} at XXXX XXXX I would get an {$80.00} credit. On XX/XX/XXXX, I stayed at the XXXX in XXXX Ohio for a total of {$250.00}. When I contacted AMEX, they advised me that in the terms, it states that the offer is only valid at 3 of the 18 XXXX XXXX ( excluding even XXXX XXXX  properties ). I feel that it is exceptionally deceptive and unfair to offer a promotion and then limit it to less than 20 % of the hotel brands. Had this been more clear and transparent, I would have stayed at a less expensive hotel.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Original Creditor XXXX XXXX reporting old private student loan information to the three major bureaus : Transunion, XXXX, and XXXX. Being contacted by a scam collection company known as XXXX XXXX XXXX ( who has been fined XXXX XXXX $ in 2017 for deceptive practices and also by the State of New York Attorney General ). 

Original Creditor : XXXX XXXX XXXX : XXXX XXXX XXXX 4 credit entries from XXXX XXXX and XXXX. Last payment recorded was XX/XX/2017. Yet, no payment has ever been made. 

Between XXXX XXXX and XXXX XXXX, they have both given the credit bureaus false and misleading information, including falsified dates to ensure the account is reaged. 

Ive not personally contacted 3rd party XXXX due to their many complaints, lawsuits against them, and CFPB fines. It would be useless to speak to an entity that is known for illegal activity. 

All 3 bureaus state they are investigating this and will take 30 days to complete their work. Yet, they allowed this erroneous and incomplete information to be put on my credit reports which has resulted in negative results to credit score. They are at-fault, just as both XXXX XXXX and its 3rd party collection agency. 

Im not a victim of identity theft, but I am a victims of fraudulent practices of the creditors, collectors, and the 3 major reporting agencies. 

I understand there is a process for disputing entries, but this is something that needs to be addressed immediately because of the fraudulent activity being committed against me.

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 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
( See attachments and supporting documents ) Equifax, XXXX, XXXX shows bankruptcy filed in my name on my credit report, has NOT produced any evidence of documentation that has my signature, showing I filed for a bankruptcy at anytime. This is false and must be deleted immediately from my credit report. Showing 2 filings. There is no documentation and I did NOT file ANY bankruptcy filing. 
Please send me supporting documentation that has my SIGNATURE where I signed these documents OR DELETED, REMOVE and UPDATE my credit report you keep in my name and forward a copy of the UPDATED REPORT to my address you have on file

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2025 the 3 major credit bureaus had a hard inquiry for a credit card from XXXX XXXX. I called Experian saying I did not authorize any credit pulls or hard credit inquiries, and they mentioned that banks do not need any permission to submit any hard inquiries to anyones credit report ( even if it hurts the score ). 

I called XXXX XXXX  and they denied pulling a hard inquiry and they claimed they have no records of such pulls on my SSN. Despite the fact that all 3 major bureaus mentioned it.

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 2023-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: WI

Complaint narrative:
I've subscribed to XXXX grocery for years. Chose 2 % groceries reward. Only get 1 %. US Bank says it's merchant 's fault. Says up to merchant to say it's for groceries. US Bank 's own website says XXXX qualifies for grocery rewards. I think people are owed millions in rewards they are not getting no matter if it's US Bank 's fault or the merchants. 

I even asked US Bank what would happen if I bought groceries from XXXX XXXX and they said they wouldn't know until after I made a purchase to see how the merchant described my purchase. Ridiculous! 

People are getting screwed and I'm surprised a law firm has not started a class action over this.

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 2023-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX I walked a check into the branch. ( Drawn from my home equity line of credit ). They gave me instant credit and said the remainder would be available the XXXX. Upon checking on the XXXX, I see an administrative hold placed on the funds until the XXXX. On the XXXX I checked with the institution the money was drawn from and the money was drawn on the XXXX. I went back to the branch they advised to call customer service/, she couldn't help asked for a supervisor. My question was plain once you guys get the money from the institution that the check was drawn, will the hold be released the supervisor said no. She could not explain to me why if I made a deposit by check and the check was paid why do I have to wait an additional 10 days to receive the funds. I think at the very least the hold should be released once they receive the funds.

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 2023-11-20 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: TN

Complaint narrative:
I received an email notice from Experian on XX/XX/2023, that they were done investigating my dispute regarding an alleged XXXX XXXX XXXX they say I filed being listed on my consumer report under the public records section. Experian has consistently stated that this information was verified by XXXX which is a third-party seller of information. Well on XX/XX/2023, XXXX conducted an investigation and verified with me and the CFPB that they have no record of Bankruptcy case number XXXX being reported in my file. Here are the exact words! 

In an effort to resolve her concerns, XXXX initiated a dispute of bankruptcy record case number XXXX on XXXX XXXX behalf. During our investigation, XXXX verified that bankruptcy record case number XXXX is not reporting in XXXX XXXX XXXX file. 

In an effort to resolve XXXX XXXX concerns, XXXX initiated a dispute of bankruptcy stated above with the nationwide consumer reporting agencies on her behalf. 

Then instead of posting their findings here for the CFPB to view they mail them out claiming to have done a proper investigation to avoid being fined by the CFPB because the evidence is also being provided to them and they ignore it.

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