vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Credit Karma, LLC
State: PA

Complaint narrative:
Credit karma is making my credit score tank after receiving cards that I did not even know existed and now for the last XXXX months I havent had any access to my account which it tells me it doesnt exist anymore with my same email I have been using since I created the account. I put my SS # in when I try creating a new account and they tell me my information is different according to what the irs says. I have tried calling, emailing and live chat and they keep telling me to try the email which they can not tell me whose email it is. I have ran out of options and my credit keeps dropping which now I literally have no idea what I am able to do with I tried a credit lock but its still dropping. I no longer have a clue what to do and how to get my credit back to over a XXXX because this is seriously ruining my life especially since its not my own wrongdoing. I need help and have no idea what steps to take now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am filing a complaint against Transunion regarding an account with FedChoice FCU that was previously deleted from my TransUnion credit report after I disputed it. However, the same account has since been re-reported without my consent or proper justification. 

I previously disputed this account, and after the dispute, it was deleted from my TransUnion credit report. 
Recently, I noticed that the same account was re-reported on my credit file, which appears to be an error. 
This re-reporting is negatively impacting my XXXX XXXX and financial standing. 
Neither TransUnion nor XXXX XXXX has provided any documentation from their investigation to prove ownership of the account or justify its re-reporting. 
I am requesting that the CFPB investigate this issue and ensure that XXXX XXXX provides clarity on the re-reporting of this account. Additionally, I am requesting the prompt deletion of this account from my credit report, as it is adversely affecting my credit rating.

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 2025-02-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
I been trying for months to start a long term payment arrangement due to financial hardship and I been late almost every month but not more than. 30 days until couple months ago due to employment, medical and divorce situation, I requested several times information and help for long term payment plan but they denied me saying that already did which is not truth since the help I got was called extension and it was only for couple months every times and they said I already used it, then they offered me to increase my interest and add more fees of they lower the payment, truth fact is that they are not willing to help me, please I'm trying to keep my care in order to work I'm starting to work more hours as an interpreter and I applied for jobs but it's been little difficult for me to find, willing to make payments but half of the payments for a minimum of 6 months, now I received a letter saying of I don't pay they will repossessed my car is my only tool to work Thank you for your work. 

This is the company that I finance my car XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: GA

Complaint narrative:
XXXXXXXX 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 Dear CFPB Representative XXXX I am filing a formal complaint against XXXX XXXX , my student loan servicer, regarding issues with my loan account [ Loan Account Number ]. 

Details of the Complaint I have experienced the following problems with XXXX XXXX : Incorrect loan balance, failure to process income-driven repayment ( XXXX ) requests, misapplied payments, unauthorized fees, poor customer service, inaccurate reporting to credit bureaus, delays in XXXX XXXX XXXXXXXX XXXX XXXX XXXX ). 

They have failed to retrieve information that was given. 

It has caused financial hardship, credit damage, denied loan forgiveness.

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 2025-02-24 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:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Against XXXX XXXX Student Loan Issues Dear CFPB Representative XXXX I am filing a formal complaint against XXXX XXXX XXXX my student loan servicer, regarding issues with my loan account [ Loan Account Number ]. 

Details of the Complaint I have experienced the following problems with XXXX XXXX : Incorrect loan balance, failure to process income-driven repayment ( IDR ) requests, misapplied payments, unauthorized fees, poor customer service, inaccurate reporting to credit bureaus, delays in Public Service Loan Forgiveness ( PSLF ).

They have failed to retrieve information that was given.

It has caused financial hardship, credit damage, denied loan forgiveness.

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 2025-02-24 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:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Against XXXX XXXX Student Loan Issues Dear CFPB Representative XXXX I am filing a formal complaint against XXXX XXXX XXXX my student loan servicer, regarding issues with my loan account [ Loan Account Number ]. 

Details of the Complaint I have experienced the following problems with XXXX XXXX : Incorrect loan balance, failure to process income-driven repayment ( IDR ) requests, misapplied payments, unauthorized fees, poor customer service, inaccurate reporting to credit bureaus, delays in Public Service Loan Forgiveness ( PSLF ).

They have failed to retrieve information that was given. 

It has caused financial hardship, credit damage, denied loan forgiveness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: LA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2025-02-24 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: LA

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''

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 2025-02-24 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: FL

Complaint narrative:
Under 15 U.S. Code 1635 15 U.S. Code 1692a I need these charge of accounts to be removed from my credit 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 2025-02-24 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: SC

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made 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 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 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 2025-02-24 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-02-24 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 recently reviewed a copy of my credit report and notice i have fraudulent accounts on my report. Please remove these accounts from my report as soon as possible. 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 non-monetary relief
Consumer complaint received 2025-02-24 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: MD

Complaint narrative:
Having this late payment on my account is unacceptable, considering my track record of timely payments. Please remove it and update my account accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: MD

Complaint narrative:
I request the removal of this account from my credit report, as it does not belong to me. Additionally, please investigate and address any remaining errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Aldridge PIte Haan, LLP
State: GA

Complaint narrative:
I have a credit card debt of {$2900.00} with XXXX but it as being handed over to Aph-law.com account # XXXX. I have been paying {$40.00} every month since XX/XX/year>, which by now my remaining balance should be {$2100.00}, but it showing that I have balance of {$2300.00} which is not right. I offer them a settlement of {$700.00} so that the debt can be report as paid and removed from my credit report. And i can deal with my current situation. The company didn't respond to my complain or offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Hello, I noticed an hard credit inquiry on my account via my identify guard subscription. Someone tried to open a credit card in my name with Capital One on XX/XX/year>. This reflected on all 3 credit reports. I immediately out a freeze on all my credit. Then, I noticed today. XX/XX/year> that someone tried to open a card/loan with Delaware bank XXXX but I had already frozen my credit. I called Capital One and they instructed me to call all credit bureaus which I did.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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 REQUEST, pursuant to FCRA 605B ( 15 U.S, C & 1681C-2 THAT EXPERIAN & EXUIFAX CREDIT REPORTING AGENCY BLOCK THIS CLOSED ACCOUNT XXXX XXXX XXXX CREDIT CARD BALANCE XXXX AND ALL HARD INQUIRES FROM EQUIFAX IN THIS CFPB COMPLAINT FROM CONSUMER CREDIT FILE WITHIN 4 DAYS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: NE

Complaint narrative:
Credit report shows two collection agencies account, XXXX XXXX XXXX and Discover Bank. These are past statue of limitation and shouldn't be on the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Volvo Car Financial Services U.S., LLC
State: FL

Complaint narrative:
I pay all my bills through auto pay monthly. Every vendor receives and accepts the payments on the post by date except Volvo Finance. Volvo has repeatedly refused to accept my payments for days and sometimes weeks. When I called they basically said I am ahead ( like a year ) so they don't have to post it until the due date. I recently sent the payoff based on the quote given in my Volvo financial account with a due before XX/XX/XXXX date. I sent the payment for acceptance by XX/XX/XXXX. It is now XX/XX/XXXX and Volvo has still not accepted the payment.

It appears they are not accepting payments to generate additional interest.

Is there anything that can be done please? This is a ridiculously bad business practice. Now I will be stuck making another payment and if they sit on it I will continue accruing interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: MD

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-02-24 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: PR

Complaint narrative:
Some one use my information to get credit for a new car for {$36000.00} us dollar out of my resident in Puerto Rico that i don't authorize. This person do not pay that bill and my credit report drop from XXXX to XXXX. The company is 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