vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXXXXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX, AND FORD CREDIT DID HARD INQUIRIES ON MY CREDIT WITHOUT WRITTEN AUTHORIZATION FROM ME AND DID NOT HAVE MY PERMISSION AND THEY ARE RUINING MY CREDIT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: TX

Complaint narrative:
I am filing this complaint against Missouri Higher Education Loan Authority ( MOHELA ) and XXXX for multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). MOHELA has been repeatedly reporting false and misleading information on my credit report, from account numbers and balances, payment due dates and payment accounts and XXXX has failed to conduct proper investigations when I disputed these inaccuracies. 

Issues with MOHELA 's Reporting False Transfer Claim In XX/XX/year>, MOHELA reported to XXXX that my student loan account was being closed and transferred, which was completely false. XXXX closed my dispute without proper verification. 

Inaccurate Account Reopening After falsely reporting a transfer, MOHELA reopened my account with a new balance, even though nothing had changed. This is clear manipulation of my credit file. 

Incorrect Credit Limit Reporting On [ Date ], MOHELA updated my report, falsely stating that my credit limit had increased. Student loans do not have credit limits, which means this is a blatant inaccuracy. 

Inconsistent Reporting Across Bureaus MOHELA is reporting different balances and statuses to different credit bureaus, which is a direct violation of the FCRAs requirement for accurate reporting. 

XXXX  Failure to Ensure Accuracy I have disputed these errors multiple times, yet XXXX continues to allow MOHELA to report false information without properly verifying its accuracy. 

Under the FCRA ( 15 U.S.C. 1681e ( b ) ), XXXX is required to maintain maximum possible accuracy, yet it is knowingly allowing false data to remain on my report. 

XXXX has failed to provide verification of the information, which suggests they are not conducting a reasonable investigation as required under 15 U.S.C. 1681i ( a ) ( 1 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: CO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. Using an EOSCAR SYSYEM IS FAULTY AND SHOULD NOT BE CONSIDERED A THOROUGH INVESTIGATION AND I AM AWARE THIS IS WHATS HAPPENING! Credit bureaus are obviously failing to investigate when Im providing documentation of my true identity and false names are still being reported which is NOT my name. The addresses and names for each credit bureau should match. 
I have identified the following accounts and inquiries on my credit report that I did not authorize or provide written consent for and have not been properly investigated : AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: FL

Complaint narrative:
I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. Using an EOSCAR SYSYEM IS FAULTY AND SHOULD NOT BE CONSIDERED A THOROUGH INVESTIGATION AND I AM AWARE THIS IS WHATS HAPPENING! Credit bureaus are obviously failing to investigate when Im providing documentation of my true identity and false names are still being reported which is NOT my name. The addresses and names for each credit bureau should match. 
I have identified the following accounts and inquiries on my credit report that I did not authorize or provide written consent for and have not been properly investigated : AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. 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 2025-03-28 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:
I am writing to formally dispute the unauthorized inquiries listed on my credit report. Despite my previous letter with your bureau, these inquiries remain on my credit file. 
I have taken all necessary steps to address this issue, including contacting the institutions associated with these inquiries and providing comprehensive documentation to substantiate my claims. Despite these efforts, your bureau has yet to resolve this matter satisfactorily. It is essential to note that the nature of these inquiries has been confirmed by the respective institutions, and they have assured me that these inquiries were erroneous and should be removed. Furthermore, other credit bureaus have already acted and removed these unauthorized inquiries from their records. 
Therefore, I am perplexed and concerned by your bureau 's continued reporting of these inquiries. This ongoing issue not only undermines the accuracy of my credit report but also causes significant distress and potential financial harm to me. 
According to the Fair Credit Reporting Act ( FCRA ), your bureau is legally obligated to conduct a thorough and reasonable investigation of disputes. This investigation must promptly review all relevant information provided by the consumer, such as myself. I urge you to reinvestigate these inquiries and remove them from my credit report immediately. 
Failure to address this issue promptly and appropriately will compel me to pursue legal recourse to protect my rights and restore the integrity of my credit report. I trust that your bureau will adhere to the legal standards set forth by the FCRA and act swiftly to rectify this matter. 

XXXX XXXX XXXX XX/XX/year> XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
Lvnv funding Llc is reporting on my credit profile, which is not licensed or bonded to collect in my state. Lvnv Funding Llc is destroying my life and I am unable to obtain credit from other lenders due to this fraudulent collection on my credit report from Lvnv Funding Llc. Lvnv Funding Llc is attempting to extort {$1300.00} from me. I have requested over and over again the signed original agreement with the original purchaser for approximately 1 year now with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: COLUMBIA BANKING SYSTEM, INC.
State: AK

Complaint narrative:
In late XXXX I purchased a XXXX XXXX XXXX. I got a loan through a broker from XXXX XXXX XXXX. At the very end they told me the interest rate was about 20 % after we had already done a ton of paperwork but the guy said just pay it off quick to avoid the interest. Two years later I called to see about paying it off early and what I could save. They then told me you cant pay if off early all the interest has to be paid. So I will have to pay close too XXXX or over to pay back a XXXX loan. This doesnt include the XXXX I had to come up with myself up front. Now I have been late a number of times but I always pay. They told me I owed nearly XXXX in late fees which is literally impossible. XXXX a month in late fees would have to be me late XXXX times on a sixty month loan. They admitted to having charged me late fees during COVID relief as well. Do yourself a favor and avoid these predatory lenders at all costs they have dang near bankrupted me and I am a XXXX XXXX XXXX XXXX XXXXXXXX. If anyone has had a similar experience please contact me as I am looking to build a case to stop this behavior

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 2025-03-28 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:
There has been fraudulent accounts made to my consumer report that I do not recognize as mine, several unauthorized charges made to my account that is not mine at all

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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:
There has been fraudulent accounts made to my consumer report that I do not recognize as mine, several unauthorized charges made to my account that is not mine at all

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 2025-03-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Back in XXXX and XX/XX/2024 there where payments I made that where not probably credited to my account. Because they where not credited that account went into charge off. 

I was told the account shouldnt of gone to charge off and they caught the mistake but since it was already in that part of the office I would need to pay any late fees, balance overdue and XXXX and XXXX. I made the payment before the end of XXXX like I was told. 

They were suppose to do the reversal and get back to me. And that did not happen. They said that someone called me in XXXX but I never got a call or voicemail. Also, I was told by making that payment the reversal would happen but could take a bit to process. And once the reversal happened I could continue making my payments. 

Well the reversal took some time and they said because I didnt make XXXX or XXXX they came and repossed the car. Which to my understanding the payments were to be made after the reversal of the account was done. And the account shouldnt have gone to the collections in the first place. 

I was transferred to so many different departments today, and even told that it wasnt them who repossessed my car and that my car could have been stolen. I called the police department and they did have an order. I have been having to tell them the situation over and over. And then what I was told is being turned in a different direction to cover their tracks. I was not aware they were going to reposes my car or given any kind of notice about the processing of my reversal. Which again happened due to the payment I made not being credited to my account properly which I had sent proof of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: MS

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-28 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-28 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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected or deleted on my credit file. 
XXXX XXXX XXXX XXXX Balance : {$21000.00} XXXX XXXX Balance {$10000.00} XXXX XXXX XXXX Balance {$8800.00} PA XXXX XXXX XXXX Balance {$13000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I opened a XXXX  Check-in account on XXXX XXXX. It's my only account where my employer deposits the salary. On XXXX XXXX, my access to my account was blocked without any prior communication. My debit card was also blocked. I have almost XXXX in my account. I reached out customer support multiple times and visited the branch as well. Everyone kept on telling me they can not verify me and I will get a letter within 5 days with instructions to verify. It's been more than 7 days I have not received any letter. 

I asked the customer care to verify me by sending a XXXX time code to the phone number registered with the account, they declined doing that. I asked the same with my email ID, they declined that as well. I went to the bank branch and verified my identify through my non-US passport, XXXX XXXX, social security card and XXXX. Still they declined unblocking my account. 

Please help.

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 2025-03-28 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: TX

Complaint narrative:
During the month of XX/XX/2022 and XX/XX/2022. It was reported inaccurate for late payments with XXXX XXXX XXXX mortgage real estate. this was the time that we were in a national disaster covid-19 and this was by law a forgivness forbearance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: TX

Complaint narrative:
During the month of XX/XX/2022 and XX/XX/2022. It was reported inaccurate for late payments with XXXX XXXX XXXX mortgage real estate. this was the time that we were in a national disaster covid-19 and this was by law a forgivness forbearance.

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 2025-03-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Since 2023 I have been trying to update my phone number to no avail. Not just what Experian sees but what I see. I am told over and over it is updated on your end but I try logging in and see XXXX instead of XXXX. I have provided photo evidence and I am feeling like my information has been compromised. I can't even update my address or email myself online because it tries to verify me with the number that I no longer have. I am not receiving any verification codes to my email either. The number I see is not the one the reps are seeing on their end. I understand you see it has been updated but rest assured, I am seeing XXXX when it sends a verification code. I have had scammers relay all my personal info due to it being on the dark web and I can't even secure my account. I want to set up XXXX factor authentication but can't because it has XXXX listed as my personal number. If it wasn't for security questions I would not be able to access my own account.

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