vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 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: TN

Complaint narrative:
I co-signed with my daughter or her student loans. She has an email from Mohela stating her loan was still in forbearance. It hit my credit yesterday stating it was 90 days past due, my credit score dropped over XXXX XXXX She or Myself never got a notice, or any information about payments due, we not thought it was still in forbearance. We have tried multiple times to log into her account and it just says they can not or do not have any information on her loan. We cant even make a payment on the loan at this point. We have tried calling but all the phone numbers listed do not work. My credit report says everything is good until this month and magically we are 90 days behind. This is very suspicious and unethical behavior.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I have recently review my credit report and notice I had a fraudulent accounts on my report. Please remove these accounts, 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 2025-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: NY

Complaint narrative:
On XX/XX/year> I applied and was approved for a US Bank XXXX XXXX XXXX card with a promotional offer of XXXX XXXX after {$5000.00} spend. I completed the spend requirement on XX/XX/year> and my statement closed on XX/XX/year>. The introductory bonus offer was not awarded to my account. I called US Bank on XX/XX/year> to investigate and they couldn't provide a reason why. The representative said they will manually award the bonus and it will post to my account on my next statement. The following statement closed on XX/XX/year> and once again the bonus was not awarded.

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 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: NC

Complaint narrative:
Mohela reported to XXXX, XXXX, and XXXX that all of my student loan accounts were delinquent on XX/XX/XXXX. My accounts are supposed to be in forbearance since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer FICO credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief.

CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of a few Personal credit card accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXXXXXX as proof from the US Federal Trade Commission that all previous consumer credit accounts, closed accounts, collections, and hard inquiries result from identity theft and fraud.

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 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year>

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 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EdFinancial Services
State: FL

Complaint narrative:
they had report to my credit and when i had called the company and tell him my credit was breachand then i use the 15 usc 1692 A B C they had rudely hang in my face

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Despite maintaining consistent on-time paymentsnever missing a minimum paymentand recently initiating aggressive debt repayment efforts by contributing {$150.00} weekly in addition to your automatic minimum payment of {$210.00}, I was shocked to discover my credit limit was reduced from {$5000.00} to {$4400.00}. Even more concerning, {$510.00} was immediately deducted from my available credit without clear disclosure in your communication. 

This reduction occurred after I had significantly paid down the card, resulting in an available credit of {$630.00}. Not only did this undermine my progress, but it also reduced my available credit utilization, which may negatively impact my credit score. 

Citibanks stated reason was based on a credit file review. However, during the same timeframe, I paid off two additional credit cards, improving my credit profile. I have not incurred any new derogatory marks, and my financial responsibility is clearly demonstrated through consistent payments and intentional debt reduction. 

The lack of transparency regarding the {$510.00} deduction and the timing of this reductionwhen I was finally lowering your interest earningsraises serious ethical and potentially retaliatory concerns. 

I respectfully request : A full written explanation for the credit limit reduction. 

Clarification on the {$510.00} deduction from my available credit. 

A reconsideration of the credit limit adjustment based on my current payment history and overall credit health. 

I have filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Office of the Comptroller of the Currency ( OCC ) to ensure this matter receives proper attention. 

I appreciate your immediate attention to this matter and look forward to your timely 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 explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
There is a collection company, XXXX XXXX, reporting a debt on my credit report that I never owed. I do not have any knowledge of the dept and never had an account that I authorized with the original creditor. I have disputed this twice for not knowing about the account but my dispute comes back as dates verified. I want this off my Experian report.

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 2025-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: WI

Complaint narrative:
XX/XX/year> : I received text notifications for XXXX unauthorized transactions of {$65.00} each, totaling {$190.00}, to an individual named XXXX XXXX. From my Chime account. 

XX/XX/year>XXXX XXXX XXXX XXXXXXXX : I promptly contacted Chime to dispute these transactions. 

XX/XX/year> : I filed a fraud report with my local police department, including a notarized affidavit. 

XX/XX/year> : I submitted the police report and affidavit to Chime. 

XX/XX/year> : Chime denied my initial dispute. 

XX/XX/year> : I filed an appeal with Chime, providing a detailed letter with the police report number, XXXX 's name, and department contact information. 

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Chime denied my appeal, stating they found no mishandling of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently notified Transunion credit bureau that there are fraudulent inquires on my credit report I have not applied for anything in years 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 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
I never had an auto loan with USAA. Some how when i paid off my XXXX XXXX XXXX XXXX USAA ended up with the title. I never filled out or signed for an auto loan with USAA. They corrected the matter and sent me a letter stating that the lien has been removed and title would be sent out. They proceeded to put a fraudulent account onto my credit report and claim I owe {$66000.00}. I have the title for my truck, a letter from usaa stating they removed the lien that was incorrectly put on the truck and a video recording of a phone call ( with usaas phone number visible during the phone call ) stating that I never had any kind of loan with USAA. Also this has been deleted over a dozen times and continues to show back up.

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 2025-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: TekCollect Inc.
State: WI

Complaint narrative:
I called tekcollect on Thursday XX/XX/year>, using the phone number they provided XXXX at XXXX to verify this debt and ask them for the purchase agreement because I keep receiving emails and letter mail about this debt the line was recorded and they told me they do not have any purchase agreement for me and anything I signed saying or verifying that this debt is mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
THIS COMPANY ACIMA LEASING IS REPORTING THIS ACCOUNT WAS INCLUDED IN A Bankruptcy THAT WAS DISCHARGED AND THAT IS NOT TRUE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FISERV FINXACT CORE
State: MD

Complaint narrative:
I am reporting unauthorized transactions totaling {$2100.00} that occurred on my XXXX XXXX account. These charges were made without my knowledge or consent and include ATM fees, purchases, and cash withdrawals across multiple locations. The first unauthorized charge occurred on XX/XX/year>. 

I have reported this matter to local law enforcement. My case number is XXXX. 

Breakdown of Fraudulent Activity : 1. ATM Fees ATM Balance Inquiry Fee : {$3.00} 4 ATM Decline Fee : {$3.00} 3 ATM Withdrawal Fee : {$3.00} 4 Total ATM Fees : {$35.00} 2. Unauthorized Purchases XXXX XXXX ( XXXX ) : {$63.00} and {$200.00} XXXX XXXX XXXX XXXX ( XXXX XXXX ) : {$290.00} XXXX XXXX XXXX ) : {$31.00} XXXX XXXX XXXX XXXX ( XXXX ) : {$130.00} and {$200.00} Total Purchases : {$920.00} 3. Unauthorized ATM Withdrawals XXXX XXXXXXXX XXXX ( XXXX XXXX ) : {$100.00} and {$500.00} XXXX XXXX  ( XXXX ) : {$200.00} 3 Total Withdrawals : {$1200.00} Total Amount Stolen : {$2100.00} I have reached out to XXXX XXXX to dispute these transactions but have not received a satisfactory resolution. These transactions took place in locations I do not recognize, and I did not authorize any of them. Based on the information I received from XXXX XXXX, this appears to be a case of card skimming and PIN theft. 

I am requesting a full investigation into this matter and a full reimbursement of the stolen funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
This letter is to formally request the removal of all negative information from my credit report due to my XXXX XXXX XXXX. I was a 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 I am writing to assert my rights under the ServiceMembers Civil Relief Act ( SCRA ). This federal law provides significant protections for servicemembers, including those related to their credit reports. Specifically, the SCRA allows for the removal of certain negative information from credit reports when such information resulted from financial hardships experienced during XXXXXXXX XXXX XXXX. I request the removal of the following types of negative information from my credit report : 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 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 XXXXXX/XX/XXXX I understand that I am responsible for fulfilling my financial obligations. However, my XXXX XXXX service has significantly impacted my ability to manage my finances, and I believe it is unfair to have my credit report negatively impacted due to circumstances beyond my control. I have attached copies of XXXXXXXX XXXX to this letter as proof of my XXXX XXXX XXXX. I request that you investigate my request promptly and remove the specified negative information from my credit report within 30 days. I look forward to your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
This letter is not a refusal to pay but a formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ). I request that you provide : Proof that this debt is mine and legally enforceable. 
The original signed agreement or contract linking me to this account. 
Documentation showing the full history of the debt, including the original creditor. 
Any judgments, insurance claims, or assignments of the debt. 

Until you provide this information, you must cease all collection efforts and remove any negative reporting from my credit file. If you can not validate this debt within 30 days, I request that it be permanently removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 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:
I am filing a complaint against Experian, XXXX, and XXXX for continuing to report inaccurate and misleading information on my credit file regarding a charged-off account from XXXX XXXX XXXX XXXX 

This account was charged off in XX/XX/XXXX with a balance of {$110.00}. I have made no payments or had any communication with the creditor since the charge-off. However, my archived credit reports show that on XX/XX/XXXX, the reported balance was suddenly changed from {$110.00} to {$94.00}, without any explanation, consumer activity, or payment. 

My reports from XX/XX/XXXX and XX/XX/XXXX show the original balance of {$110.00}, and on XX/XX/XXXX, the balance drops to {$94.00} all while the last updated date was retroactively changed to XX/XX/XXXX. This proves data was manipulated and re-aged, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). 

Despite this, the account continues to report monthly as a charge-off, even into XXXX, which is improper and suggests intentional re-aging to extend the reporting period. 

As of my most recent Experian report dated XX/XX/XXXX, the account still shows Last payment update : XX/XX/XXXX. This is completely false I did not make any payment on or around this date, nor did I have any contact with the creditor. This further supports the allegation of unauthorized data manipulation and re-aging of a charged-off account in violation of the FCRA and FDCPA. The continued monthly charge-off updates combined with this fabricated last payment date show deliberate attempts to misrepresent the accounts status and age. 

Ive attached screenshots from my Experian reports showing the change in balance and the backdated updates. This ongoing inaccurate and deceptive reporting harms my credit profile and violates my consumer rights under FCRA.

Company response to consumer: Closed with non-monetary relief