vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 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: NV

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: TN

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of account : XXXXXXXX XXXX  XXXX * * * * * * * * * * * Balance Owed : {$15000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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:
These inquiries appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
The items listed below are reported on my personal credit file and were found in my reports with credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXXXXXX * * * Balance Owed : {$360.00} XXXX XXXX * Balance Owed : {$130.00} XXXX XXXXXXXX XXXX * * * * * * * * * * Balance Owed : {$470.00} XXXX XXXX * * * * Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXXXXXX 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 explanation
Consumer complaint received 2025-05-13 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: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Comerica
State: NY

Complaint narrative:
I lost my wallet on XX/XX/XXXX. I ordered a new card the next day. I'm in New York, I don't live here, I had XXXX XXXX  send me an expediated card to the post office. It arrived monday the XXXX, they immediately sent it back because XXXX does not deliver to the post office anymore. I ordered a new card friday, yesterday, trying to get my tracking number, the reception lady closed my account. Saying I needed my ID to access my account. I had provided the identical information to all 3 of the representatives prior with no problems. This lady, because I didn't have Id ( MY wallet was stolen ) locked my account. Today I tried again with the same response. I have not had money in several weeks, I'm begging on the street for food. My account is now locked, they could not tell me if my card was still on the way or not, my only HOPE is going to the Social Security office and having them straighten everything out for me. It will still take an extra two days even if I accomplish this. I am a XXXX person, not at home, in NY, lost my wallet on the bus on XX/XX/XXXX. I was out of money several days early last month. We are talking more than two weeks trying to get my XXXX XXXX card because one agent decided to lock my account with the identical information I had used to get the card sent the first and second time. If they had told me from the start I had to go social security to fix this I'd have my card back already. More than two weeks on the street, literally starving, all my personal information that exists I can readily give from memory. I genuinely want to file a civil case over this because it has been absurd and caused me half a month of sleeping on the street and begging for food. Other than losing the wallet in the first place, this is clearly not my fault. I could have easily, went to the social security office first if they had not told me everything is fine and my card is on the way. How much is screwing up forcing a XXXX person to sleep on the street and beg for food when you can not send his credit card right worth? XXXX more even? I think more, that is how utterly unprofessional and bonkers their handling of this issue has been. They kept telling me everything is fine and my card is on the way, o wait no, can you send it again? no problem, last two days we need your lost id and we closed your account. 2 weeks begging on the street. If I can get a settlement I definitely would appreciate this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Title of Complaint : Credit Damage Due to Verified Medical Hardship, Employment Loss & Pending Eviction What Happened : On XX/XX/XXXX, I was involved in a severe car accident that resulted in a XXXX XXXXXXXX, enlarged XXXX, and ongoing complications. Due to this, I had to abandon my prior self-employed career and later accepted low-income positions. On XX/XX/XXXX, I was wrongfully terminated, leaving me with no income. I am currently under unemployment review and have been denied adequate support from social services. 

As a result, I have multiple negative items on my credit report that I can not pay due to no fault of my own. These include XXXX XXXX XXXX, XXXX, American Express , XXXX XXXX XXXX XXXX XXXX XXXX , and XXXX. I am now facing eviction with a court date of XX/XX/XXXX, and I have an upcoming XXXX  XXXX with no income or secure housing. 

These credit items are currently impacting my ability to secure housing or support, even though the situation stems from medical hardship. I am requesting this report be used as part of my documentation for formal credit disputes and hardship relief efforts. 

Requested Action : Please document my case and provide a formal record I can use for dispute letters and consumer protection filings. I am requesting these negative items be flagged for hardship review and not used to further deny basic survival necessities such as housing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-05-13 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( XXXX ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soon as possible : XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$170.00} Date Opened : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: IN

Complaint narrative:
The items listed below are reported on my personal credit file and were found in my reports with credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$180.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1000.00} XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$180.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: MS

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-05-13 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: MS

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
After many failed attempts in trying to resolve the forgeries on this account Im left only to protect myself and I can not bear not to know why they forged my name so many times since XXXX  But here is just the beginning and want to expose as many of them as I can in forging my name I have the notary siding with me stating that they were forgeries Ive attempted with XXXX title to resolve the issue and they are in close relation to the persons who have been using my social security number in connection to my name or names similar to mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: MO

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-05-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: OpenRoad Lending
State: IL

Complaint narrative:
b'This seriously take action required \nSome one use my identity and purchase car. \nThe car car financing  name XXXX XXXX and company approved by open road lending loan car financing company \nThe company not responding well and car purchase is already without verify person and delivered'

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: GA

Complaint narrative:
I am filing a complaint against Equifax for failing to propery investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$1400.00} Ohio Department of Justice - {$21000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: SLM CORPORATION
State: MD

Complaint narrative:
I am writing regarding the above-referenced bankruptcy case filed under Chapter XXXX in the United States Bankruptcy Court for the District of Maryland. I am the debtor in this case, and I was granted a discharge on XX/XX/year>. 

As per the official discharge order issued by the court, creditors are legally barred from attempting to collect on any debts that were discharged under 11 U.S.C. 727. The loan ( s ) in question associated with Sallie Mae Bank were included in the bankruptcy filing, and therefore are subject to the discharge order.

Despite this, Sallie Mae has continued to collect payments from me after the date of discharge. This constitutes a direct violation of the Bankruptcy Code, particularly the discharge injunction under 11 U.S.C. 524 ( a ), which prohibits any act to collect, recover, or offset any such discharged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 non-monetary relief
Consumer complaint received 2025-05-13 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
b"I am filing this complaint against Experian for violating my consumer rights under the Fair Credit Reporting Act (FCRA) by refusing to conduct a reasonable reinvestigation of disputed information on my credit report, as required by 15 U.S.C.  1681i.\nOn XXXX XXXX XXXX, I mailed a dispute letter to Experian via XXXX  with tracking number XXXX XXXX XXXX XXXX XXXX XXXX which was delivered. In the letter, I disputed the following inaccuracies on my credit report:\nNegative accounts reported inaccurately.\nA bankruptcy record with incomplete information.\nIncorrect personal information.\nPer FCRA, any item on a credit report must be verifiable, accurate, and complete to be reported. To support my dispute and verify my identity, I included copies of my government-issued ID, Social Security card, and proof of address, as required. My dispute letter complied with FCRA guidelines for submitting disputes.\nOn MXXXX XXXX XXXX, I received a response from Experian stating that, We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. This response is unacceptable, as I personally sent the dispute letter with sufficient documentation to verify my identity, and no third party was involved.\nUnder 15 U.S.C.  1681i(a)(1), if a consumer disputes the completeness or accuracy of any item in their file, the consumer reporting agency (CRA) must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Experians refusal to investigate my dispute violates this provision, harming my creditworthiness and causing significant distress."

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 2025-05-13 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: GA

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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