vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-24 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: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: NC

Complaint narrative:
I noticed there are XXXX late payments reporting from XXXX XXXX on my Experian report from XX/XX/year> to XX/XX/year>. This information is false and in violation of the FCRA Section 623. I have disputed this account and Experian hasnt responded within time allowed.

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 2025-03-24 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: CA

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT 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 non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/year> a payment was attempted via XXXX XXXX using my Bank of America checking account and debit card. This payment was attempted multiple times and each time the payment said it was not completed or failed. I reached out to BOA five different times via telephone and was told something different each time. If the phone calls are recorded as they say the conversations should reflect this complaint. The second time I contacted BOA the representative told me that two of the transactions actually did NOT go through and I should wait 24 hrs for it to reappear. The next day upon contacting BOA after no funds were put bk into my account I was advised that my account was closed with no explanation. So where are my funds? Bc the third representative then says all the XXXX XXXX attempts did go through. The fact that I literally disputed these transaction explaining the situation and the next day BOA closes my account is fishy. Where is my money? This was for a service in which the individual stated they never got the funds in which they did and then blocked me from further contacting them and I never received receipt of services because they never existed.

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 2025-03-24 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: MN

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: TN

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of unauthorized hard inquiries that have been placed on my credit report with your bureau. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b, credit bureaus are required to ensure that all information reported is accurate and authorized. The following inquiries, which I did NOT authorize, must be removed within 48 hours : 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 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  XX/XX/year> ) XXXX ( XX/XX/year> ) I have attached a copy of my FTC Identity Theft Report confirming that these inquiries were not authorized. Since I did not apply for credit with these entities, they do not have permissible purpose to access my credit report under FCRA 1681b. Their presence on my report is an illegal violation of my consumer rights, and I demand their removal immediately.

Failure to comply within 48 hours will leave me no choice but to escalate this matter by : 1. Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 
XXXX. Pursuing legal action for damages resulting from these unauthorized inquiries, as allowed under FCRA XXXX XXXX. XXXX and XXXX, which provide for statutory damages of up to {$1000.00} per violation, plus legal fees. 

I expect written confirmation from you that these unauthorized inquiries have been permanently deleted from my credit file. Please send confirmation to my mailing address or email. 

This is my final notice, and I will not tolerate delays. I demand compliance 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 2025-03-24 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: TX

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : Current Address and Name : My full name is : XXXX XXXX My correct date of XXXX My correct Social Security XXXX My correct address is:XXXX  XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: NJ

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the enforceability of my federal student loan agreement on the basis of a **material alteration to the original contract**.

According to the terms outlined in my promissory note, my loan was issued and administered by the **U.S. Department of Education** . Recent federal action has eliminated or reassigned the Departments responsibilities, with the **Small Business Administration ( SBA ) ** now serving as the managing entity. 


This constitutes a **substantial and unilateral alteration of the agreed-upon terms**, materially changing the administrative authority, servicing infrastructure, and potentially the regulatory protections outlined under the original contract. As such, I dispute the continued enforceability of this obligation under its current structure. 


I am requesting that this loan be formally reviewed for discharge, cancellation, or legal reevaluation due to the change in administering agency. Please respond in writing with your position and any available dispute resolution options.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions XXXX XXXX XXXX. Account # : XXXX XXXX  Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: PA

Complaint narrative:
my identity was stolen there was accounts fraudulent in my name some address I have never lived at these accounts or addresses I need these accounts to be removed from my name and my credit report 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 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

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 2025-03-24 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:
SENT DISPUTES FOR ACCOUNTS THAT WERE INACCURATE BETWEEN EQUIFAX, TRANSUNION, AND EXPERIAN. THEY WERE TO BE DELETED BECAUSE THEY WERE WRONG. THE RESULTS CAME BACK VERIFIED. THIS IS THE ACCOUNT ( ( ( XXXX XXXX XXXX ) ) ) " ( YOUR COMPANY HAS BEEN SUED FOR NOT DELETEING INACCURATE INFORMATION WHEN YOU KNOW ITS INACCURATE ) ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: OH

Complaint narrative:
SENT DISPUTES FOR ACCOUNTS THAT WERE INACCURATE BETWEEN EQUIFAX, TRANSUNION, AND EXPERIAN. THEY WERE TO BE DELETED BECAUSE THEY WERE WRONG. THE RESULTS CAME BACK VERIFIED. THIS IS THE ACCOUNT ( ( ( XXXX XXXX XXXX ) ) ) " ( YOUR COMPANY HAS BEEN SUED FOR NOT DELETEING INACCURATE INFORMATION WHEN YOU KNOW ITS 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 explanation
Consumer complaint received 2025-03-24 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: EQUIFAX, INC.
State: MS

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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LendingPoint Holdings LLC
State: VA

Complaint narrative:
In XXXXXX/XX/XXXXmy husband planned to sign up for a program with XXXX XXXX, who recommended he obtain a loan from Lending Point to pay for the cost of the program. After contacting Lending Point and being approved for a loan, he found out XXXX XXXX was being investigated for fraud and immediately contacted Lending Point by phone to ask if they had already wired the money to XXXX XXXX, which was the company designated to receive the funds for XX/XX/XXXX. Lending Point assured him they had NOT sent the money yet, so he told Lending Point to CANCEL the loan, and do not send the money because he did not want to do business with XX/XX/XXXXafter all, since they were being investigated for fraud. 

Despite the fact that Lending Point said they would cancel the loan and NOT send any money, my husband is now receiving debt collection notices from third-party debt collectors who say Lending Point sold them his account because he had not been making payments on his loan! Lending Point was NEVER supposed to send any money to anyone so there was never supposed to be a loan to pay back in the first place. 

We contacted Lending Point about this, but they say they can't help because they no longer own his account since it was sold to XXXX XXXX XXXX XXXX XXXX ( who has been sending collection notices ). We've also received collections calls/letters from OTHER collection agencies including " XXXX XXXX XXXX XXXX and "XX/XX/XXXX which sound suspicious ; one was demanding payment same day. We've also been told different amounts were owed ; one call said he owed {$910.00} but another email said he owed {$12000.00}. 

Again, there should be no money owed to anyone because my husband was assured by Lending Point they were canceling the loan and would not send any money. All they could tell us when we called was they would " escalate '' the matter and we would hear back from them but they couldn't tell us when.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
We attempted to agree on a settlement with Regional Acceptance after filing a complaint with the CFPD ( former complaint # XXXX ). Originally, we were unable to get the XXXX that as agreed by a certain date, so we requested an extension in order to get the funds which we repeatedly called/emailed Regional Acceptance to request this change.

We were ignored up until I finally got a hold of the contact person at collections, she had already escalated the account to the charge off department without even acknowledging our repeated requests. We were never notified by mail or phone calls. I have been calling and leaving detailed messages to the charge off department for two weeks now, and they are not returning my calls. Once again, I have contacted corporate, and the customer service numbers provided with no avail. They are not willing to corporate like previously which is the reason why I filed the first complaint. 

I need some help in resolving this matter as now they have reported me to the credit bureaus.

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 2025-03-24 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: OK

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: OK

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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:
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 2025-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Line 5, LLC
State: VA

Complaint narrative:
XXXX XXXX I purchased an extended warranty loan for my XXXX XXXX XXXX which at the time had around XXXX miles on it. The company was through Line 5 LLC. I was not told what would happen if I cancelled the loan. 
XX/XX/XXXX, I traded in the XXXX XXXX and cancelled the warranty with Line 5. This is where a big mess begins. XXXXXXXX XXXX XXXX cuts them a check of around {$3500.00} and I am told by Line 5 I owe {$780.00}. Which makes no sense at all. 
I called Line 5 on XX/XX/XXXX and spoke to a XXXX XXXX, who was condescending and talked to me like I was 5 years old. XXXX told me I was not allowed to cancel the loan, which makes absolutely no sense. I shouldn't have to pay anything at all, I didn't even use the extended warranty while I had it. This seems like a scam to me. I do not get a clear explanation of what this {$780.00} is for.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation