vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 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: GA

Complaint narrative:
Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Re : Unauthorized Credit Inquiries Dear Sir/Madam, I am writing to formally file a complaint regarding several unauthorized credit inquiries that have appeared on my credit report. These inquiries were made without my knowledge or consent, and I have not applied for credit with the companies listed below. 

The following is a list of the companies and dates associated with these unauthorized inquiries : 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 XX/XX/XXXX I have not applied for or authorized any credit or financial services with these companies. As these inquiries were made without my consent, I believe they XXXX be fraudulent or the result of a clerical error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX XXXX  XXXX ) says ( XXXX ) 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 XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, 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 2025-04-29 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: SC

Complaint narrative:
The following account are due to identity theft and I did not authorized these companies listed to access my personal information the companies listed are in violation of my consumer rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: VA

Complaint narrative:
I previously filed a complaint with the CFPB that Experian charged my credit card on XX/XX/XXXX & XXXX for two credit reports I did not request or authorize. My credit cad company, XXXX XXXX XXXXXXXX immediately reversed the fraudulent charges, cancelled my account and issued me a new credit card account. Now, on XX/XX/XXXX, in an obvious CRIMINAL ACT, Experian charged my brand new credit card two new charges ( {$26.00} each, total of {$53.00} ) for credit reports, again I never requested or authorized. Once again XXXX XXXX XXXXXXXX is cancelling my credit card and will issue a new card to me in 7 days. It appears that someone at Experian has ILLEGALLY put me on an endless loop - charging me for two credit reports, causing XXXX XXXX XXXXXXXX to cancel my new credit cards, only to have the cycle repeat ad nauseam. In effect, Experian is preventing me from having access to a credit card permanently. This is HARASSMENT by Experian, which the CFPB should actively investigate. Experian should be put out of bsiness and its executives sanctioned. Experian is a foreign company ( IRISH ) which HARMS AMERICANS. Kick Experian out of the 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 2025-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
XXXXI received the Indigo cc on XXXX I now have changed my mind after realizing that a sum of XXXX is due before ever being allowed a purchase. I never activated the card but now I realize after all the bad reviews online it's impossible they will still charge you even if you don't use it. And on top of all that they will report you to the credit bureau. Without even have used your card. I just do not want this card or penaltiesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Concora Credit XXXXIndigo XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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:
I formally dispute the XXXX account ( # XXXX ) showing a repossession with a {$0.00} balance and the XXXX collection account ( # XXXX ) for {$130.00}, which lacks proper validation under the FDCPA, and I request immediate investigation and removal of both accounts in accordance with the FCRA if they can not be verified with complete and accurate documentation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: VA

Complaint narrative:
I formally dispute the XXXX account ( # XXXX ) showing a repossession with a {$0.00} balance and the XXXX collection account ( # XXXX ) for {$130.00}, which lacks proper validation under the FDCPA, and I request immediate investigation and removal of both accounts in accordance with the FCRA if they can not be verified with complete and accurate documentation

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 2025-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In the spring of 2023 I had XXXX to remove a XXXX from my XXXX  XXXX. I was off work for 5 months. But had saved and planed to be off and not get behind on payments. We were always early with out payments and never missed XXXX. We made our normal payment at the first of the month and made the XXXX payment on the XXXXXXXX XXXX XXXXXXXX. Made a few more payments for XXXX and XXXX. Then started to get late payment notices witch was weird because we did not miss a payment. Call customer service and asked why we had a been receiving late payment notices. We were advised that the XXXX payment witch we made on the XXXX of XXXX could not be applied for the XXXX payment as it was payed before the XXXX of XXXX. We argued at length that we had made our XXXX payment. We were told sorry that could not be applied for the XXXX payment because it was made before the XXXX. We pointed out that we had never missed a payment or ever made a double payment. They refused to correct this error and by the time I was working again after being on a tight budget as is we were far behind on late fees. All we had asked is to have the payment applied correctly. There are recordings of all communication we had with chase bank XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: IN

Complaint narrative:
I submitted a payment though my mortgage companies app. After I sent a payment, it said an error had occurred and the payment did not go through. I sent the payment again. I received XXXX seperate confirmation codes. I was charged twice. I spoke with someone from the company on Thursday evening. He said his name was XXXX XXXX, and because it was the companies fault they would have out money returned within XXXX. Monday the money was still not in our account. I spoke with another man on the phone, who seemed confused at first. He said they applied the extra money to our account. I asked 5 times if I could please speak to someone else, a manager. He agreed, and put me on hold several times but never let me speak to anyone else. He said he couldn't get our money back until XX/XX/XXXX. After I told him I couldn't wait, I have children to feed and that was too long, and I explained I would have to file a complaint he briefly put me on hold again. He returned to say he could have the money in pur account by today. After checking numerous times, the money is still not in our account. I don't know what else to do. They took the extra payment off of the app. So not only do we not have to physically money, we also don't have it applied to our mortgage.

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 2025-04-29 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: OH

Complaint narrative:
In XX/XX/XXXX, I submitted an IDR ( Income-Driven Repayment ) recertification through StudentAid.gov. Shortly after, I received an official notice that I did not need to recertify until XXXX. I immediately contacted MOHELA via their internal message center to cancel the request. I received a written response from MOHELA on XX/XX/XXXX, confirming the cancellation request had been submitted. 

Despite this, my loans were placed into forbearance on XX/XX/XXXX, without my request or consent. I contacted MOHELA repeatedly in XXXX, XXXX, and XX/XX/XXXX and was told the issue was being worked on and marked as urgent. I received escalation ticket # XXXX and submitted a formal complaint to the Department of Education ( XXXX XXXX # XXXX ), but the issue remains unresolved. 

On XX/XX/XXXX, MOHELA admitted on a recorded call that there is an internal processing error preventing them from canceling the XXXX request or removing the forbearance. They further stated that there is no timeline for resolution and that I should pursue external options like a buyback or legal escalation. My XX/XX/XXXX payment is not being counted as PSLF-qualifying because of this servicer error. 

In addition, I made on-time payments in XXXX and XX/XX/XXXX, but those months are not counting toward XXXX due to another MOHELA-initiated forbearance that I did not request. I was told at the time that this would be resolved by submitting an Employment Certification Form, but those months still remain ineligible, despite all other payments around them being counted.

I am now only seven payments away from Public Service Loan Forgiveness ( PSLF ), and these delays are directly harming my ability to finish the program. I have followed all proper procedures, communicated proactively, and provided documentation through every channel. I am requesting immediate CFPB assistance to correct this servicing failure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: FL

Complaint narrative:
i have submitted disputes to you and i didnt get response within XXXX days and ya 'll are required by law to do so. Please investigtes my disputes, please. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: RI

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 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 2025-04-29 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: TN

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: CA

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX - Balance : {$0.00} XXXX CARD XXXX XXXXXXXX XX/XX/XXXX - Balance : {$750.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian

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 2025-04-29 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: Early Warning Services, LLC
State: TX

Complaint narrative:
Name : XXXX XXXX Consumer ID : XXXX Date of BirthXXXX  SSNXXXX  ID Type : Driver XXXX XXXX XXXX  ; XXXX License ID Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER fraudulently used the following account listed : Bank : XXXX XXXX XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Account # XXXX Routing # XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these transactions from the account on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 
Thank you for your assistance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: GA

Complaint narrative:
I am filing this complaint against Experian XXXX XXXX XXXX for repeated, willful violations of the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX ( FCRA XXXX ), XXXX U.S.C. XXXX, XXXX XXXX XXXX. XXXX. Despite submitting all legally required documentationincluding a valid FTC Identity Theft Affidavit, government-issued ID, proof of address, and Social Security XXXX unlawfully reinstated fraudulent accounts XXXX failed XXXX verify the disputes properly, in clear disregard of their statutory obligations. Experian never provided verifiable evidence of communication from the alleged creditors nor demonstrated that it contacted the FTC XXXX verify my fraud affidavits, directly violating my rights under federal law. I have filed prior complaints ( XXXX on XX/XX/year> ; XXXX on XX/XX/year> ; XXXX on XX/XX/year> ; XXXX on XX/XX/year> ; and XXXX on XX/XX/year> ) with full supporting documentation, yet Experian continues XXXX  ignore the law and cause me harm. I am demanding immediate removal of all fraudulent accounts from my credit file, a full XXXX detailed method of verification for each disputed account as required under XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ) ( iii ), XXXX written confirmation that Experian has permanently corrected my file. Failure XXXX  comply must result in heightened regulatory enforcement actions against Experian for ongoing FCRA violations.

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 2025-04-29 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: CA

Complaint narrative:
This letter serves as a formal follow-up to my previous correspondence regarding your agency 's ongoing refusal to comply with the Fair Credit Reporting Act ( FCRA ), specifically in connection with my properly filed identity theft report submitted through IdentityTheft.gov.

To date, your agency has not provided any satisfactory justification for rejecting this report, nor have you taken the necessary steps to investigate or remove the clearly fraudulent accounts listed below from my credit file. As reiterated in my prior letter, federal lawincluding FCRA Section 605B and Section 617requires you to accept valid identity theft reports from consumers, including those submitted through the Federal Trade Commissions IdentityTheft.gov platform. Nowhere does the law require that such reports originate solely from a law enforcement agency. 

Your continued rejection of my legally sufficient identity theft affidavit is not only unsupported by federal law but also constitutes willful noncompliance with the FCRA. This failure to act in accordance with clearly established legal procedures and CFPB guidance reflects blatant disregard for my rights as a consumer and victim of identity theft. Let me be clear : This is your final notice. You are in violation of federal law by continuing to report and verify accounts that were opened fraudulently and which I have already disputed with appropriate documentation. 

If I do not receive confirmation within 15 calendar days that these accounts have been permanently removed and that my credit file has been updated to reflect the resolution of this matter, I will proceed to : 1.File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General. 

2.Initiate legal action for your violations of FCRA Section 617 and for any damages sustained as a result of your unlawful reporting and failure to investigate. 


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 2025-04-29 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  - XXXX List of Unauthorized Inquiries : XXXX - XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 non-monetary relief