vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Prince Parker & Associates
State: TX

Complaint narrative:
On or about XXXX XXXX I visited a nearby XXXX XXXX store to shop for a less expensive phone plan. I was directed to a desk where the only option was XXXX. I spoke with their rep and he set me up with a cellular phone and a new plan. The very next day I began receiving e-mails from XXXX. The plan turned out to be much more expensive than I was told it would be. I immediately sent the phone back to XXXX. The instructions did not mention that returning the phone does not close the account. If I had been informed of that I would have done whatever was necessary to cancel the order. A few weeks later I received a call from XXXX and explained that I thought that returning the phone closed the account and cancelled the order. The rep didn't sound as though he cared. On XX/XX/2025, I received a letter from Prince Parker and Associates to " collect the debt '' of {$300.00}. I believe that XXXX has had plenty of opportunity to inform me that returning the phone does not close the account. I also believe that the instructions for returning the phone should clearly include this information. I respectfully request your assistance with this matter.

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 2025-04-23 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am filing this complaint because two unauthorized XXXX accounts ( Account # XXXX, and XXXX ) were wrongfully reinserted into my Experian credit report without any written notice, even though they had been previously deleted. This reinsertion occurred when I reviewed my updated credit report on XX/XX/XXXX. These accounts were deleted in XXXX, and I have written confirmation from XXXX XXXXXXXX XXXX dated XX/XX/XXXX, explicitly stating that they are not reporting these accounts to any of the four major credit reporting agencies : Experian, XXXX, XXXX, or XXXX. Despite this, Experian has reinserted the accounts without notifying me within five business days, which is a direct violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ) of the Fair Credit Reporting Act. Additionally, Experian failed to maintain reasonable procedures to prevent the reappearance of previously deleted information without proper certification of accuracy, violating 15 U.S.C. 1681i ( a ) ( 5 ) ( C ). No other credit bureau is reporting these accounts, only Experian, further proving that Experian did not verify the accuracy of the information and is acting in negligent disregard of its duty under 15 U.S.C. 1681e ( b ), which mandates maximum possible accuracy. This pattern of behavior also constitutes willful and/or negligent noncompliance under 15 U.S.C. 1681n and 1681o. This situation has caused serious frustration and damage to my credit standing, and I am seeking full enforcement of my rights 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 2025-04-23 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: MO

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 non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
I contacted Goldman Sacks Apple Credit Card about a pending status charge that was in my Apple Wallet related to a cancelled hotel reservation. I confirmed with the merchant three times prior that they did not charge my card and released funds on XX/XX/XXXX. I asked the GS analyst when my account would be updated as it was still showing pending. The GS agent asked if I wanted to file a dispute against the merchant, and I said no. There was no dispute with the merchant because they released funds related to a hotel reservation. I asked again when my Apple Wallet would be updated to reflect the released funds from the merchant because it was six days from the release date. The GS analyst proceeded to file a dispute without my authorization despite me saying I did not want to file a dispute. I called Apple Customer Service and spoke to corporate credit card services and was told to contact Goldman Sachs and file a formal complaint in which I did. Apple gave me a complaint number XXXX and Goldman Sachs told me that a manger would be in contact with me in a few days or so. 

I wanted to report this because I clearly stated on the chat record that I did not want to file a dispute because there was no dispute, I was simply asking when my credit card account would be updated. The GS analyst filed a dispute without my authorization despite being told on the record that I did not want to file a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am writing to formally dispute a fraudulent account that was opened in my name without my knowledge or consent. The account in question was opened at Wells Fargo and has resulted in a charged-off balance that now appears on my credit report.

I did not authorize the opening of this account and have never had any involvement with it. I believe I am a victim of identity theft. I was not even in US at that time. 

Despite notifying Wells Fargo of the fraudulent nature of this account, they have refused to acknowledge it as such. I am therefore requesting that Wells Fargo immediately remove all information related to this account from my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-04-23 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: SC

Complaint narrative:
I am writing to formally request a reinvestigation regarding inaccurate negative information that continues to appear on my credit report, which has not been adequately addressed in previous investigations by Equifax, Experian, and TransUnion. Despite my efforts to dispute these inaccuracies, the items remain unresolved, and I believe they have not undergone a thorough review as required.

The presence of these inaccuracies has significantly impacted my credit score, limiting my access to credit and creating unnecessary financialXX/XX/XXXX. I am simply seeki
ng an accurate representation of my credit profile, as I believe the errors are unjustly affecting me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: SC

Complaint narrative:
I am writing to formally request a reinvestigation regarding inaccurate negative information that continues to appear on my credit report, which has not been adequately addressed in previous investigations by Equifax, Experian, and TransUnion. Despite my efforts to dispute these inaccuracies, the items remain unresolved, and I believe they have not undergone a thorough review as required.

The presence of these inaccuracies has significantly impacted my credit score, limiting my access to credit and creating unnecessary financialXX/XX/XXXX. I am simply seeki
ng an accurate representation of my credit profile, as I believe the errors are unjustly affecting 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 2025-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 explanation
Consumer complaint received 2025-04-23 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: FL

Complaint narrative:
I have a list of inquires that I do not recognize. 
XXXXXXXX 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 explanation
Consumer complaint received 2025-04-23 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I asked for a written loan agreement to make it easier for me to check the details. 
They said they had already started the process and it was mandatory to continue with Doc You Sign, so it was not easy for me to read all the details. 
I was helping my XXXX XXXX to purchase the vehicle because she needed a larger vehicle because of having 4 children and 2 adults. This was done on XX/XX/year>. 
I specifically requested using only my bank to process the loan thru. 
Against my request they sent out over 13 loan requests to various banks and lenders all across the country, a significant number didn't even do auto loans.

So now I have all these credit checks that are hurting my credit rating.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: AZ

Complaint narrative:
Loans were taken out to study at XXXXXXXX XXXX XXXX XXXX, I never got to attend due to the school shutting down to XXXX XXXX. They did not offer no additional alternative and said they will contact students when they opened the school and its 2025 and the school is still shut down. I was told all student loans will be put in forebarance due to it being an economic issue. I never had any payments made or due and now its showing that my loans are delinquent. When they should have been placed on forebanrace since the school shut down for XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: GA

Complaint narrative:
My information has been used in the attempt to obtain credit cards, auto loans and I would like this information removed my credit report. 

The following inquiries are : XXXXXXXX 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 XXXXXXXX

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 2025-04-23 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: GA

Complaint narrative:
My information has been used in the attempt to obtain credit cards, auto loans and I would like this information removed my credit report. 

The following inquiries are : XXXXXXXX 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 XXXXXXXX

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: FL

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against MOHELA/DOFED, XXXXXXXX XXXX XXXX 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 . 
XXXX XXXX XXXX Complaint Details : 1. 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. 
2. 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. 
3. 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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

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 explanation
Consumer complaint received 2025-04-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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.

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 2025-04-23 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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:
My information has been used in the attempt to obtain credit cards, auto loans and I would like this information removed my credit report. 

The following inquiries are : XXXXXXXX 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 XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I am not a banker, lawyer or in finance. I used my Bank of America credit card to make a donation of {$10.00}. 15 minutes later I got a fraud alert from Bank of America. I called Bank of America and was told a {$3000.00} charge was on my card. I told them it was only supposed to be {$10.00}. I filed a fraud claim with the assistance of the customer care person. Weeks later I get a denial letter. I called and asked why- They said ( paraphrasing ) " Your card was physically used and that's not fraud ''. I said, " but it was only supposed to be {$10.00} ''. They said, " Well that's a transaction dispute ''. The customer care person said we have to fill out a Transaction dispute- Okay. So, we filled it out on the phone. Weeks later I get another denial letter. This time because Bank of America said I didn't file the claim in time. Because of all this back and forth, I run out of time? I almost seems like Bank of America did this on purpose. 
I don't think it's fair that I did what Bank of America asked me to and then get denied because of some time limit. I wasn't wasting time. I called Bank of America minutes after they sent the " Fraud Alert ''. I filed a " Fraud claim '' because their alert said " Fraud ''. Am i supposed to know the difference? It was Bank of Americas Customer Care person that actually filed the first claim. I believe Bank of America made the mistake and now I'm somehow responsible? I just don't believe it's fair. I just don't know where else to turn.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-23 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: CO

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-04-23 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: CO

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief