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

Complaint narrative:
I have reason to believe that the recent lawsuit from the CFPB against experian has hindered me as well as my credit profile. Experian continues to submit and leave inaccurate information on my credit report. XXXX XXXX auto account is not mine and XXXX XXXX can not just send me a letter stating so. I would like account removed and stay removed as XXXX has done so which I appreciate.

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 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: MOHELA
State: VA

Complaint narrative:
MOHELA XXXX XXXX XXXX XXXX MO XXXX Subject : Formal Dispute of Student Loan Obligations and Demand for Immediate Cancellation To Whom It May Concern, I am writing to formally dispute the student loan obligations associated with XXXX XXXX XXXX XXXX XXXX as held by MOHELA. This dispute arises from serious legal violations and breaches of federal privacy laws, including the Family Educational Rights and Privacy Act ( FERPA ) and the Higher Education Act. 
It has come to my attention that my personal, educational, and financial information has been improperly accessed by unauthorized third parties, including but not limited to XXXX XXXX and affiliate entities. This unauthorized access to my confidential records constitutes a flagrant violation of my federal privacy rights. As such, it nullifies any enforceable loan agreements under federal law, and I hereby demand the immediate cancellation of all financial obligations related to these debts. 
Given the severity of these violations, I expect a prompt and thorough investigation into the circumstances of this breach, along with the immediate cessation of any attempts to collect on these loans. Under the circumstances, I also request written confirmation that my federal privacy rights have been restored and that all related loan obligations are rendered null and void. 
I look forward to your prompt resolution of this matter and expect confirmation of cancellation within 30 days of this letter. 
Sincerely, XXXX XXXX XXXX XXXX Student Loan # 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 2025-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express illegally increased my APR to 29.99 % in violation of federal law. 

Amex falsely claimed I was XXXX days late to justify a Penalty APR increase. 

On a recorded call, their representative admitted I was NEVER actually XXXX days late. 

They double dipped with late fees on top of an illegally applied penalty APR increase. 

The XXXX XXXX requires a separate, XXXX advance written notice before an XXXX increase. Amex HID the rate increase in my billing statement instead of properly notifying me. 

When I demanded written proof of my XXXX increase and delinquency status, Amex REFUSED to provide any documentation. 

Their failure to follow federal notification laws means this XXXX increase was applied ILLEGALLY. 

THIS IS A TEXTBOOK CASE OF PREDATORY LENDING.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-03 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: CA

Complaint narrative:
A fraudulent inquiry was put on my report without my knowledge.

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 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
A fraudulent inquiry was put on my report without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: NY

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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

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 explanation
Consumer complaint received 2025-03-03 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: PA

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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally address the ongoing issue regarding Incorrect personal information on my credit report. Despite multiple attempts to dispute these fraudulent information with Experian, my requests have been disregarded. 



These addresses and information was placed on my credit report from accounts that was fraudulently placed on to my consumer report. 

Incorrect DOB - XXXX Incorrect Address - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Address - XXXX XXXX XXXX XXXX, TX, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX, XXXX EMPLOYER - 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 2025-03-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
Subject : Dispute Regarding Personal Loan and Collateral Dear One Main, This email addresses a significant dispute regarding the personal loan I received from your company. I believe I was misled and deceived during the loan application process, and I am writing to clarify the terms of my repayment. Initially, I applied for a {$10000.00} loan but explicitly stated I only required {$6000.00}. I was informed that my vehicle would be used as collateral to secure the loan, with the understanding that it would only be seized in the event of non-payment. I was not clearly informed that the value of my vehicle would be added to the principal loan amount for the purpose of calculating interest. Upon reviewing the loan agreement, I discovered that my vehicle 's value had been incorporated into the loan calculation, resulting in a 16 % interest rate applied to the combined total. This was not explained to me beforehand. Immediately upon realizing this discrepancy, I contacted your company to cancel the loan. I was within the grace period provided for cancellation. Subsequently, I secured a loan from another lender. I understand that my new lender has paid off the initial loan. However, I am now being asked to repay {$39000.00}, which includes the {$6000.00} I originally borrowed plus 16 % interest on the inflated amount that includes my vehicle. This is unacceptable. I am prepared to pay the original {$6000.00}, plus 16 % interest on that amount only. I acknowledge that I was unable to return the {$6000.00} within the initial cancellation grace period due to the holiday closure of your offices. Therefore, I am willing to honor the original {$6000.00} loan with the 16 % interest applied to that amount.

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

Complaint narrative:
2. XXXX XXXX XXXX - XXXX {$580.00} XX/XX/year>2025 3. XXXXXXXX XXXX XXXX XXXX  XXXX {$950.00} XX/XX/year>2025 4. XXXX XXXX - XXXX {$510.00} XX/XX/year>2025 6. XXXX XXXX XXXX - XXXX {$1200.00} XX/XX/year> Ive already contacted and filed disputes regarding these and have not received any resolution

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

Complaint narrative:
2. XXXX XXXX XXXX - XXXX {$580.00} XX/XX/year>2025 3. XXXXXXXX XXXX XXXX XXXX  XXXX {$950.00} XX/XX/year>2025 4. XXXX XXXX - XXXX {$510.00} XX/XX/year>2025 6. XXXX XXXX XXXX - XXXX {$1200.00} XX/XX/year> Ive already contacted and filed disputes regarding these and have not received any resolution

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 2025-03-03 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: TX

Complaint narrative:
Please check the information regarding the Equifax and Experian data breach.

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

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXgelhardt 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 explanation
Consumer complaint received 2025-03-03 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXgelhardt 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 2025-03-03 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: FL

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Im unable to file a dispute with Transunion either online or by telephone. When I have tried to file a dispute online, the system will not allow it. I get a message that I have to wait until a previous dispute is resolved ; however, I have no open disputes.

When i call, the system hangs up on me instead of sending me to a customer service rep. The system states that I can file online and " Thank you for calling Transunion. Have a nice day '' and hangs up.

I have tried the option to continue the call by text message. I select the type of phone that I have per instruction. The system states, " it seems you are having a problem. I'll connect you to someone who can help. '' The system then hangs up. 

Im entitled to dispute incorrect i formation on my report and transunion will not allow it.

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

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 2025-03-03 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: IN

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 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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 2025-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
Subject : Unauthorized fund transfers from XXXX XXXX XXXX XXXX to unknown user. 

I had an XXXX phone interview on XX/XX/year> to re-assure I am qualified to receive funds because of a recent lay off and it took about XXXX week for the funds ( accumulated from late XXXX and early XXXX ) of the full amount of {$1600.00} to be credited into my XXXX XXXX XXXX XXXX ) debit card. I have made several attempts to move the funds from XXXX Card to my XXXX account by calling the XXXX XXXX XXXX but could not transfer because I did not receive the XXXX time code that was generated by XXXX XXXX XXXX that was supposedly sent to my e-mail address. I have also attempted to sign up with the XXXX XXXX XXXX by entering the XXXX XXXXXXXX XXXX number & my PIN XXXX to view funds but the system said they were invalid information. With the errors and unsuccessful attempts I decided to go to XXXX ATM in XXXX XXXX XXXX on XX/XX/year> so I can finally withdraw the funds, only to be rejected/declined with an " invalid transaction '' message. I called XXXX Customer Support the same day ( XX/XX/year> ) and spoke with XXXX ( XXXX Customer Service Rep ) and she did disclose to me that XXXX " bank transfers '' were made from my XXXX account to an unknown account on XX/XX/year> ( {$600.00} ) and XX/XX/year> ( {$1000.00} ). She assisted with getting the forms mailed to me to start the dispute process in which I emailed to XXXX XXXX on XX/XX/year>. I then received a denial letter on XX/XX/year> that was sent on XX/XX/year> that claimed it went to the " intended '' account under the name XXXX XXXX with the account ending in XXXX, to which the name and account is unfamiliar/unknown to me. I have not authorized money to be transferred to this person 's ( XXXX XXXX ) account or any account. No deposits were made to my XXXX account within the timeframe of the XXXX debit transfers ( {$1000.00} and {$600.00} ) that took place out of my XXXX account as mentioned above.

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 2025-03-03 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: CA

Complaint narrative:
I have reason to believe that the recent lawsuit from the CFPB against experian has hindered me as well as my credit profile. Experian continues to submit and leave inaccurate information on my credit report. XXXX XXXX auto account is not mine and XXXX XXXX can not just send me a letter stating so. I would like account removed and stay removed as XXXX has done so which I appreciate.

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 2025-03-03 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: KS

Complaint narrative:
Hey, I went over my consumer report, and I noticed some hard inquiries that I didn't authorize, or l do not have knowledge of. I have called several times and let the credit reporting agencies and the companies know that the inquiries in the document included below are fraudulent and they have yet to be removed. They are not to supposed to be visible on my credit report. I never gave them permission nor written consent to report or to authorize the inquiry. By law this is aggravated identity theft. 18 U.S. Code 1028A

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 2025-03-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Collection Management Holdings, LLC
State: GA

Complaint narrative:
I received a medical debt from credit management company stating I owe a medical debt for the amount of {$1400.00} dollarsI am a total XXXX veteran with the Veterans Administration paying my medical bills I also have Social Security Medicare and should not be receiving a medical debt I have had the collection removed from XXXX and XXXX, but XXXX has not removed the collection from my credit report and my credit score dropped XXXX points I was also read that any medical debt should not be counted against my credit so I would appreciate it if you can get this information corrected I also I have not missed paying my bills in over 7 years so I was shocked to realize I had a medical debt from the hospital.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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:
To whom this may concern, I am attaching an FTC report which contains 5 fraudulent accounts! I have listed 15 fraudulent inquiries in the FTC report as well along with a unknown address. Please block, delete remove items in FTC report under FCRA 605B 4 day block as I will be contacting a consumer law attorney to sue these companies for placing these accounts on my credit report if they are not removed from my credit file as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 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:
To whom this may concern, I am attaching an FTC report which contains 5 fraudulent accounts! I have listed 15 fraudulent inquiries in the FTC report as well along with a unknown address. Please block, delete remove items in FTC report under FCRA 605B 4 day block as I will be contacting a consumer law attorney to sue these companies for placing these accounts on my credit report if they are not removed from my credit file as soon as possible.

Company response to consumer: Closed with explanation