vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-21 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: FL

Complaint narrative:
I have informed them of inquiries that do not belong to me on my credit and informed them that it must be deleted according to the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: FL

Complaint narrative:
I am filing this complaint regarding inaccurate employment and address information appearing on my credit report, which does not belong to me and must be corrected immediately. My correct employer is XXXX XXXX XXXX, and my correct address is XXXX XXXX XXXX XXXX, XXXX, FL XXXX. Under the Fair Credit Reporting Act 15 USC 1681c, consumer reporting agencies are required to maintain accurate and verifiable information in consumer reports. However, my report contains incorrect employer details, which can cause confusion, misrepresentation, and potential harm to my credit profile. I have previously requested that these inaccuracies be removed, yet they remain uncorrected. I am requesting that my credit report be promptly updated to reflect only my correct and verifiable employment information as XXXX XXXX XXXX. Additionally, I urge a thorough review of my report to ensure no further inaccuracies exist. Failure to correct and maintain accurate records is a violation of federal law, and I expect immediate compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: MN

Complaint narrative:
I have no record or knowledge of any debt I owe to Credence Resource management. Would like to see what I can do to get it removed from my history. I never received anything about this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay. 


If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: FL

Complaint narrative:
I am filing this complaint regarding inaccurate employment and address information appearing on my credit report, which does not belong to me and must be corrected immediately. My correct employer is XXXX XXXX XXXX, and my correct address is XXXX XXXX XXXX XXXX, XXXX, FL XXXX. Any other listed addresses are incorrect and must be deleted to ensure accuracy. Under the Fair Credit Reporting Act 15 USC 1681c, consumer reporting agencies are required to maintain only accurate and verifiable information in consumer reports. However, my report contains incorrect employer and address details, which can cause confusion, misrepresentation, and potential harm to my credit profile. I am requesting that my credit report be promptly updated to reflect only my correct and verifiable current address and employer, and that all incorrect addresses be removed. Additionally, I urge a thorough review of my report to ensure no further inaccuracies exist. Failure to correct and maintain accurate records is a violation of federal law, and I expect immediate compliance.

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 2025-02-21 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-02-21 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: TX

Complaint narrative:
I checked out my credit profile and realized there was some hard inquiries that are not mine.

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 2025-02-21 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: IL

Complaint narrative:
I am writing to formally dispute the inclusion of a Bankruptcy XXXX  XXXX discharged case number : XXXX on my credit report. This entry is erroneous, misleading, and an outright violation of my legal rights under the Fair Credit Reporting Act ( FCRA ). 

This bankruptcy discharge should never have appeared in my public record, and it is unequivocally inaccurate. The information provided about the bankruptcy filing contains significant discrepancies that need to be corrected immediately. You are required by law to ensure that public records are accurate and up-to-date. Your failure to do so has already caused severe and undue harm to my creditworthiness, causing unnecessary damage to my reputation, finances, and future.

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 2025-02-21 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: AR

Complaint narrative:
I had called XXXX XXXX to remove a collections items, which they did and asked me to check with the credit beaureus. This was XX/XX/year>. I called XXXX XXXXXXXX Monday XX/XX/XXXX and haven't been able to get thru EXPERIAN., I have tried like millions of times using differnet phone numbers- I am routed to XXXX. I created a dispute and still waiting. I had called transunion, they agreed that they did get a removal request and the collections will be removed. However EXPERIAN is unable to be reached. Seems like they want to push people to pay for their premier service even to correct something that I shouldn't be even calling!

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 2025-02-21 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: NY

Complaint narrative:
Its absolutely infuriating that the accounts tied up in pending litigation are still on my credit report. Ive reached out to you time and time again to address the inaccuracies, but Im getting nowhere. My credit score is being negatively affected by accounts that arent even finalized, and its completely unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: NJ

Complaint narrative:
HELLO, i have recently noticed fraudulent activity on my credit reports. i have found has led me to believe i may be a victim of identity theft.. as i did not approve any information to be used in my name.i am requesting that these fraudulent items be deleted from my report at your earliest convenience. these fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as i am going through the home buying process.i have reported the theft of my identity to the Federal Trade Commissions. Please investigate these matters and remove the disputed items as soon as possible.

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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I 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 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 2025-02-21 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: CA

Complaint narrative:
I am writing to dispute incorrect information listed on my credit report, which I believe to be inaccurate and damaging to my credit standing. After reviewing my credit report, I noticed discrepancies that are clearly not reflective of my financial activity.

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 2025-02-21 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: PA

Complaint narrative:
I have been experiencing ongoing issues with my student loan deferment status, which have yet to be resolved despite multiple attempts to contact MOHELA. 

In XX/XX/XXXX, I received a notification stating that my loans were due for repayment. However, I was still enrolled in school, and my loans should have been in deferment. 
When I contacted MOHELA, I was told that my loans first needed to be placed into forbearance before they could be moved into deferment. 
In XX/XX/XXXX, I received another notification stating that some of my loans were in deferment, but others were not, and I was required to make a payment. I called again and was informed that my loans were placed in forbearance while the technical team worked on the issue. 
On XX/XX/XXXX, I received another payment notification and called MOHELA once more. This time, I was told that my loans were showing as being in repayment because I had already received a grace period. However, I have never had a break in my school enrollment, nor was i given a grace period because I was still enrolled, and I made this clear to the representative. 
I was then told that I needed to provide proof of enrollment for XXXX XXXX XXXX, which I promptly obtained from my school and uploaded on the same day. 
Since submitting the requested documentation, I have been unable to reach a representative to confirm its status or resolve the issue. Wait times have exceeded four hours, and during my last two attempts, I waited on hold for over two hours only to be disconnected. Additionally, I have sent multiple emails with no response. 

I am now being wrongfully asked to make payments on loans that should be in deferment, causing unnecessary financial and emotional stress. I request that this issue be urgently escalated and resolved as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: DISCOVER BANK
State: IL

Complaint narrative:
I am disputing a late payment report from Discover on my credit report. The payment in question was for {$27.00}, and while it was slightly delayed, I have otherwise maintained a strong payment history. 

The reason the payment was delayed to begin with is because I was in the process of disputing the nature of the charges. I froze my account before the charges went through, but they still went through to my card since it was a recurring subscription. 

I reached out on XX/XX/XXXX, they told me they couldn't remove the charges since it was recurring.I was locked out of the account that was charging the card so I couldn't cancel it from the source. 

I have since paid off the remaining balance to the card. 

I reached out to Discover to request a goodwill adjustment, given the minor nature of the amount and my history as a responsible cardholder. However, they have refused to remove the late payment, despite my efforts to resolve the issue amicably. 

This single late payment has significantly impacted my credit score, and I believe it is disproportionate to the circumstances. I am requesting that Discover reconsider their position or that the CFPB assist in mediating a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: TN

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay. 


If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: CA

Complaint narrative:
The presence of incorrect information on my credit report is unacceptable and needs to be corrected immediately. These errors should have never been reported in the first place, and the fact that they exist raises serious concerns about the reliability of this reporting system. This negligence has directly impacted my financial stability, and I refuse to allow it to continue. 

As a consumer, I am legally entitled to a credit report that is free of inaccurate or unverifiable information. The Fair Credit Reporting Act ( FCRA ) mandates that all reported data must be correct, and any errors must be rectified immediately. I expect a full investigation into these inaccuracies and immediate corrective action. Delays are not acceptable.

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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-02-21 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: GA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: LA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

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 UNAUTHORIZED INQUIRIES : 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 2025-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
Debt collector had contacted my mother and other family members more than once : Letting them all know I have a debt and how much I owe and to whom I owe it to. I have contacted them more than once asking them how they got their contact information and asked them to not do that again and they still keep doing it! 
They will text all my personal information and call/harrass them and tell them all my personal information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: WI

Complaint narrative:
Experian continues to send pregenerated responses to my request WITHOUT ACTUALLY LOOKING INTO MY ISSUES

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 2025-02-21 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: CA

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 2025-02-21 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:
I recently received a copy of my credit report and noticed I had fraudulent accounts on my credit report. Please remove these accounts from my report. They are hurting my ability to obtain credit.

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 2025-02-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: EVERBANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I wanted to with electronically withdraw XXXX as was the original agreement. XXXX supervisor XXXX, ID Number XXXX on a recorded call ( so she said ) on XX/XX/XXXX  around XXXX XXXX  refused to do so and stated that as a " courtesy '' they will allow XXXX daily withdrawal or that I had to go to my receiving bank and intimate from there.

Company response to consumer: Closed with explanation