vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 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: AZ

Complaint narrative:
I am submitting this follow-up complaint regarding the inaccurate and potentially unauthorized hard inquiry from XXXX XXXX XXXX  XXXX XXXX XX/XX/year> ) on my Equifax credit report. Despite my previous disputes, this inquiry continues to be reported without proper verification, directly violating my rights under the FCRA. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have highlighted Equifax 's failure to conduct proper investigations, as detailed in a recent lawsuit. Under 15 U.S.C. 16811 ( a ) ( 1 ) ( A ), Equifax is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Additionally, 15 U.S.C. 1681 ( a ) ( 5 ) mandates that any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. The continued presence of this inquiry without proper authorization demonstrates a clear violation of these federal requirements, resulting in significant emotional and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: MI

Complaint narrative:
There is an account showing up on my credit report that I did not open and did not authorize. This is a clear case of identity theft and fraudulent use of my personal information. 

Let me be absolutely clear I had no involvement with this account, I never gave permission for it, and I did not consent to any activity related to it. The fact that its showing on my credit report is completely unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: AL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-05-16 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: OH

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 non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Transuion is reporting the same debt collection on my credit report twice and they have yet to remove them

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 2025-05-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
I am filing a formal complaint against AidvantageXXXX XXXX XXXX XXXX XXXX XXXXor continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education.

Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education.

2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment.

3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ).

I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: OneMain Finance Corporation
State: GA

Complaint narrative:
OneMain Financial mailed me to inform they ran a credit check with XXXX. They referenced a loan application from XX/XX/year>. I did not submit a loan application and I have never contacted OneMain Financial. I did not give permission for OneMain Financial to chrck my credit. I attempted to contact OneMain, but their phone system requires me to enter PII in order to speak to someone, so I was unable to contact them and preserve my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am disputing multiple inaccurate names and addresses being reported on my credit file by Experian. My Name should be XXXX XXXX XXXX, not like XXXX XXXX XXXX and XXXX XXXX XXXX. 

Additionally, there are multiple addresses listed that I have never lived at, including : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have lived at the same address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reporting false addresses violates the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), which requires credit bureaus to ensure maximum possible accuracy. I have provided documentation, but these items remain. 

I also requested that Experian update my employment status to XXXX. These errors are causing harm and confusion, and I want the CFPB to step in and help enforce my rights.

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 2025-05-16 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:
Upon reviewing my credit report, I found myself in a maze of confusion after discovering accounts that are clearly not mine. This troubling situation is causing me great distress. I urgently request that these items be blocked and removed before they become further entangled in the fabric of my financial history. 
There are accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-05-16 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: NJ

Complaint narrative:
Upon reviewing my credit report, I found myself in a maze of confusion after discovering accounts that are clearly not mine. This troubling situation is causing me great distress. I urgently request that these items be blocked and removed before they become further entangled in the fabric of my financial history. 
There are accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: AL

Complaint narrative:
b'List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.\n\nEQUIFAX\nXXXX 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 XXXXhas violated my rights.\n\nI looked at my XXXX  Equifax Experian credit report on 03/06/2025, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681(e)(b).\n\nAnd according to 15 USC 1681 5 they are suppose to do this (5) Treatment of inaccurate or unverifiable information\n(A)In generallf, after any reinvestigation under paragraph (1) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or cannot be verified, the consumer reporting agency shall\n(i)promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and (ii)promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.\n\nand according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
In XXXX I entered into a retail installment contract to purchase a XXXX XXXX XXXX from XXXX XXXX. The contract lists the correct vehicle VIN : XXXX. 

Shortly after, I discovered that Exeter Finance claimed to hold the financing contract but listed a different VIN : XXXX. I never signed or agreed to any contract with that VIN. Despite this, Exeter accepted monthly payments under the invalid contract for over a year.

When I began questioning the discrepancy, I obtained a copy of the contract held by Exeter and found that my signature had been forged. This forged contract was never presented to me at the time of the transaction. 

I reached out to Exeter Finance to dispute the validity of the contract and sent notices by certified mail. I also notified the dealership, XXXX XXXX, which confirmed the correct contract was the one originally signed at their location. Nevertheless, Exeter continued attempting to collect on the fraudulent contract and eventually used XXXX XXXX XXXX to repossess the vehicle. 

This repossession occurred while I was actively disputing the account and after I had already filed for arbitration with the XXXX XXXX XXXX ( XXXX ). The XXXX case number is XXXX, and it remains in process. 

I also researched the matter through the SECs EDGAR system and discovered that Exeter Finance was actively securitizing auto loan contracts including through Exeter Automobile Receivables Trust XXXX-1 and assigning these to trusts in violation of consumer rights. My loan may have been securitized and sold without proper disclosure or consent.

I believe Exeter Finance has engaged in : Forgery of my signature Collection on an invalid, unenforceable contract Wrongful repossession Retaliation for asserting my rights Failure to respond to lawful disputes Potential TILA, FCRA, UCC, and FDCPA violations I am requesting that CFPB investigate this matter and instruct Exeter Finance to : Return any funds collected under the forged contract Provide a full accounting of any securitization, pooling, or sale of the contract Remove all credit reporting associated with this invalid contract Cease all further collection actions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: DC

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American Lending Finance
State: MI

Complaint narrative:
A closed account on my credit report state I owe more then what the true balance is.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am writing to formally raise a serious concern regarding Capital Ones handling of my Kohls Charge account, which has caused significant damage to my previously excellent credit standing.

I have been a loyal Kohls Charge customer since XXXX. Recently, Kohls transitioned their credit services to Capital One, and since that change, I have experienced numerous issues. I never received or activated the new Capital One-issued card. I continued using my original Kohls card, unaware that it was no longer valid. When I attempted to request a replacement, I was met with repeated security-related obstacles from Capital One that made the process unnecessarily difficult and frustrating. Ultimately, I decided not to proceed with obtaining a new card due to these issues.

Despite never receiving or using the new Capital One card, I was recently reported to the credit bureaus over an {$8.00} balance that I was never notified about. I received no communication via mail, phone, or email regarding this balance or any past due notice. Capital One then added {$100.00} in fees and penalties, and reported the account as delinquentcausing unjustified harm to my credit score, which has historically been in excellent standing.

This situation is not only outrageous but deeply unfair. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Equifax refuses to release my credit report and/or allow online access to my credit report and there is also a Fraud Alert on this credit report that I did not request. I have been fighting with Equifax over this issue for the past few years and Equifax is still fighting me on this. I have complied with their multiple requests to verify my information by sending in a copy of my drivers license and social security card on multiple occasions and they still refuse to release my credit report to me and/or anywhere I have requested a loan through over the past few years and I have had enough. I have jumped through enough of their hoops and I would like something done about this immediately I applied for a loan today and they called back stating I needed to contact Equifax because there was a fraud alert on my credit report. Equifax sent me a link to my phone to upload a copy of the front and back of my drivers license and to take a selfie to upload as well, which is ridiculous. Even after uploading the information the Equifax representative still refused to remove the fraud alert and update my credit report/file to reflect this. I am the point that I am going to file a lawsuit against Equifax. Thank you,.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Over the past 12 months, I have submitted multiple disputes to Experian regarding inaccurate and inconsistent reporting of a closed XXXX XXXX account. Despite my efforts and multiple rounds of formal lettersincluding a notarized and stapled dispute sent on XX/XX/XXXX, XXXXExperian has repeatedly responded with a generic verified notice and failed to provide documentary evidence or perform a reasonable investigation. 

The most recent dispute cited multiple violations of FCRA 1681i and XXXX XXXX compliance, and requested verification documentation, correction of false information, and explanation of discrepancies between credit bureaus. I also referenced case law ( XXXX XXXX XXXX XXXX  ) and included proof of identity, address, and full details of the disputed account. 

The account remains marked with multiple late payments and a charge-off label that contradicts reports from other bureaus and the actual payment status. 

I am requesting that Experian : 1. Provide full documentation from the data furnisher ( XXXX XXXX ) 2. Remove all unverifiable or inaccurate late payments and negative remarks from the account 3. Be held accountable for failing to conduct a reasonable and individualized reinvestigation. 

Attached is the original dispute letter and Experians non-compliant response.

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 2025-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc.
State: IN

Complaint narrative:
Please read attached. I wrote out one and the site crashed.

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 2025-05-16 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am a victim of the Equifax data breach please see attachments below.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: OK

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 2025-05-16 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 response to consumer: Closed with non-monetary relief