vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-22 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: MN

Complaint narrative:
Company ( Experian Boost ) is unfairly reporting credit scores to manipulate consumers private information. 

in XXXX XXXX XXXX XXXX  my score increase by XXXX pts XXXX XXXX it went down by XXXX points in XXXX it went up by XXXX points in XXXX it went down by XXXX points I have correctly had my XXXX XXXX XXXX  phone service on autopayment and the company previously recognized this bill until they decided to rename the type of charge on the bank accounts. 

Now the system was refusing to pickup the bill so my boost will correctly show m score of XXXX points. 

Company has hung up, disconnected, or transfered any and all calls related to this when trying to get resolution. 
" Something went wrong. But we're on it! We're working hard to figure out and fix this. Everything should be up and running soon. '' Is the error message that has been appearing for 6+ months when trying to add my XXXX XXXXXXXX bill setup on autopayment for 90+ days ( 3 bills ) from my XXXX XXXX account which according to them is correctly linked and saring the information with Experian. 


I expect my score to go bck up XXXX points nd to remain there unless I change something, to have a company mess with someones credit reporting so drastically without reason is a breach of civil rights and a violation of law.

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 2025-06-22 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: CA

Complaint narrative:
Hi my name is XXXX XXXX XXXX, and this is your * * final and non-negotiable * * demand to * * immediately * * delete all inaccurate information from my credit report. Your actions are not only a blatant violation of federal law, but they are also an intolerable assault on my rights as a consumer. 
* * Pursuant to 15 U.S.C. 1681b * *, you are illegally reporting and sharing my personal information without my explicit authorization.

* * You do not have my consent, and you have never had my consent * * to access or report any information tied to my name. Your unlawful actions are an egregious breach of federal law, and I will no longer tolerate it.Additionally, my credit report contains * * unauthorized inquiries * * that I did not initiate, which makes me a * * victim of identity theft * *.

* * Under 18 U.S.C. 8 * *, I owe * * absolutely no debt * * to the companies listed. Your failure to delete these inaccuracies immediately will result in * * severe legal consequences * *. I will * * not hesitate * * to pursue every available XXXX XXXX to hold you accountable, including but not limited to : XXXX. Filing formal complaints with the * * Federal Trade Commission ( FTC ) * * and the * * Consumer Financial Protection Bureau ( CFPB ) * *. 
XXXX. Initiating civil lawsuits for violations of my rights under the * * Fair Credit Reporting Act ( FCRA ) * *. 
XXXX. Seeking * * statutory and punitive damages * * for your gross negligence and failure to comply with federal law. 
You are hereby notified that you have * * no further opportunity * * to delay or ignore this matter. I * * demand * * that all incorrect entries and unauthorized inquiries be deleted * * immediately * * and * * permanently * *. This is your * * final warning * *, and I expect * * written confirmation * * of the deletions without delay.If I do not receive confirmation of the deletions within the next XXXX business days, I will proceed with full legal action, which will result in * * significant consequences * * for your continued disregard of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NC

Complaint narrative:
on XX/XX/year> a mobile deposit check was deposited in my bank account with Regions financial Bank ( not by me ) for the amount of {$1300.00}. This was at no fault of mine. because of this Regions financial is now reporting to Early Warning services LLC for checking account fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc.
State: OR

Complaint narrative:
Company is using my address my name on debt they bought out that's not mine they hang up when they try to manipulate into giving my social security Ive asked them to let me talk to an executive person to speak on facts about debt I clearly been fraud they hang up Am a victim of this debt and I've been a victim of fraud through the breach on XXXX XXXX XXXX as well they sent me a statement that has my address that doesn't match that debt They can't provide me under law 15 US. Code 1962 information that matches my current information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: PA

Complaint narrative:
I've discussed with AES regarding this loan several times, the inaccuracy about this loan is fraud. I did not sign for this loan while attending XXXX XXXX XXXX XXXX XXXX XXXX. The promissory note provided by AES is not accurate, there's XXXX different signatures on the loan and the academic periods are not correct ; the dates written are not reflective of the academic curriculum. I never applied for private loans through PHEAA/AES. All my loans through AES were federal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: FL

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

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.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-06-22 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: CITIBANK, N.A.
State: GA

Complaint narrative:
There has been a number of credit report pulls on my credit report file. There has been XXXX hard inquiries in the last week not initiated by 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 2025-06-22 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: OneMain Finance Corporation
State: TN

Complaint narrative:
I've noticed fraudulent activity on my credit several inquires and accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: CA

Complaint narrative:
Fraudulent inquiries in my credit report 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 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The inaccurate and negative information being reported on my credit file has had a severe and ongoing impact on both my personal and financial well-being. Because of these errors, I have been unfairly portrayed as a high-risk borrower, which has led to the following consequences : Denied Credit Applications : I have been denied access to essential lines of credit, including personal loans and credit cards, which I needed for everyday expenses and emergency situations.

Higher Interest Rates : On the few occasions when I was approved for credit, I was forced to accept excessively high interest rates due to the damage to my credit score, making borrowing much more expensive.

Employment Issues : Some employers check credit reports during the hiring process. I have lost out on job opportunities because of the negative and misleading information on my report. 
Emotional Distress : The stress and XXXX  caused by being misrepresented to lenders, landlords, and others has taken a significant toll on my mental health. Constantly trying to correct errors has been emotionally exhausting and frustrating. 
These consequences are not the result of my financial behavior but are instead due to incorrect and unverifiable information that should not be in my credit file. I am asking for a fair investigation and correction under the rights granted to me by the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

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 2025-06-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo thrice did not let me know that I XX/XX/XXXX Wells Fargo would not let me pay my minimum payment via my bank. I had to call Wells Fargo XXXX to get a payment to go through via the phone. 

XX/XX/XXXX still did not let me know, payment went through no issue. 

XX/XX/XXXX Wells Fargo for some reason approved a purchase that went XXXX XXXX  + over my credit limit. Wells Fargo did not notify me that I was over my limit and did not give me a chance to rectify the issue. The only reason I found out was a credit report I received via email on XX/XX/XXXX. Makes me wonder what XXXX XXXX of a credit limit is.

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 2025-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: January Technologies, Inc
State: PA

Complaint narrative:
I recently have received a few text from the January debt collector on behalf a XXXX. The debt is about several years old i first report it back in 2019 that it was false. The most recent harassment / attempt in contacting me was XX/XX/XXXX thru via text telling me to negotiate the balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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:
Errors, incorrect information is being reported on my credit report, outdated information errors on account report improper information being reported.

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 2025-06-22 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:
Errors, incorrect information is being reported on my credit report, outdated information errors on account report improper information being reported.

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 2025-06-22 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:
Errors, incorrect information is being reported on my credit report, outdated information errors on account report improper information being reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: AL

Complaint narrative:
My paycheck goes directly to my chime account. It splits into XXXX accounts my savings, my checking, and my credit builder. Someone took all of my savings and my credit builder money and moved it into my checking and then sent it to their XXXX. They had to hack my account because my phone number was changed to a number I do not know. They also took money from my pay to transfer {$990.00} to their XXXX. I contacted chime and disputed the transaction and they denied it within 24 hours. I dont know how they would investigate so fast and not give my any information about all my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alorica Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX and I am filing a complaint on a company named SST which took over XXXX who went bankrupt. The SST reached out to me that I owed XXXX XXXX dollars which is incorrect. I do have the proof from XXXX directly that I paid them off. XXXX sent me an email stating the confirmation that I paid them off and I also sent them the bank statement which the payment came out of. 

I have called customer service for SST and provided all supporting documentation, including bank statements, and also a payoff email from XXXX that my account was satisfied with them. The new company that took over, stated that I still owed {$2000.00}, and even after submitting all my documentation, they refused to help me out in resolving this matter. They put that debt under my credit history causing my credit score to drop at least XXXX points plus they put the debt under AUTO which is false and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
I had an account with XXXX  XXXX a water utility company out of XXXX, XXXX. I moved from the residence related to this account and my deposit of {$150.00} was used to take care of the remaining balance. XXXX  XXXX says I still owe {$65.00} on the closed account. They have since then referred my account to a third party collection agency. The name of the collection agency is Southwest Recovery Services. The collection agency has reported the balance owed on my credit report as {$66.00}. The amount owed that the collection agency is different from the original amount that was allegedly owed. I disputed this with XXXX  and they returned it as a verified debt. I believe this is false because the debt alleged is not the same as the alleged amount that XXXX  XXXX is reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: GA

Complaint narrative:
The inaccurate and negative information being reported on my credit file has had a severe and ongoing impact on both my personal and financial well-being. Because of these errors, I have been unfairly portrayed as a high-risk borrower, which has led to the following consequences : Denied Credit Applications : I have been denied access to essential lines of credit, including personal loans and credit cards, which I needed for everyday expenses and emergency situations.

Higher Interest Rates : On the few occasions when I was approved for credit, I was forced to accept excessively high interest rates due to the damage to my credit score, making borrowing much more expensive.

Employment Issues : Some employers check credit reports during the hiring process. I have lost out on job opportunities because of the negative and misleading information on my report.

Emotional Distress : The stress and XXXX  caused by being misrepresented to lenders, landlords, and others has taken a significant toll on my mental health. Constantly trying to correct errors has been emotionally exhausting and frustrating.

These consequences are not the result of my financial behavior but are instead due to incorrect and unverifiable information that should not be in my credit file. I am asking for a fair investigation and correction under the rights granted to me by the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

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 2025-06-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding an ongoing issue with my federal student loan servicer, MOHELA, concerning the mishandling of my income-driven repayment ( IDR ) plan recertification. 

My recertification was due on XX/XX/XXXX, and I submitted all required income documentation well in advance, on XX/XX/XXXX. Despite timely submission, MOHELA has failed to process my recertification by the deadline and subsequently placed my account into administrative forbearance as of XX/XX/XXXX. 

In XX/XX/XXXX, XXXX XXXX XXXX ( XXXX ) issued guidance stating that borrowers who submitted timely IDR recertification but were placed into administrative forbearance due to servicer delay should have their recertification date extended by one year, to XXXX. This is intended to preserve eligibility for IDR-based loan forgiveness and ensure accurate payment counts. 

Despite this federal guidance, MOHELA has not updated my recertification date or reversed the improper forbearance status. I have contacted MOHELA multiple timesspeaking with both customer service representatives and supervisorsbut have received conflicting explanations and no resolution. Each time I request corrective action consistent with FSAs published guidance, I am met with continued delays or contradictory information. I have called them multiple times every month since XXXX and most recently they admitted my account was placed in an incorrect forbearance for overpaying on my account which I have not done. I asked them to immediately correct this error and they have not.

This ongoing issue is distressing and may negatively affect my progress toward IDR forgiveness. I respectfully request the Consumer Financial Protection Bureaus assistance in ensuring that : My recertification date is extended to XXXX as outlined by XXXX  guidance ; My account is corrected to reflect continuous qualifying payments, uninterrupted by improper forbearance ; MOHELA is held accountable for failing to comply with federally mandated policies. 


Thank you for your attention to this matter. I look forward to a resolution that aligns with federal policy and protects my rights as a borrower.

Company response to consumer: Untimely response