vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-04 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: PA

Complaint narrative:
For the past 60 days I have been fighting Experian disputing wrong information on my report. I provided a FTC Report with ID stating the XXXX XXXX  accounts were not authorized to be opened by me and they must be removed. The XXXX XXXX accounts have errors with the wrong name and must be removed. My name is not XXXX XXXX, its XXXX XXXX " These accounts were verified without supplying supporting documentation as required under 15 U.S.C. 1681i. I demand deletion for failure to provide verification within the law. ''

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 2025-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Ive just tried using my XXXX XXXX XXXX credit card with a zero balance and a {$5000.00} credit limit to pay a portion of my garbage bill, only to see it decline.

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 2025-05-04 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: U.S. BANCORP
State: NC

Complaint narrative:
Elan Financial Services will not remove unauthorized inquiries. I did not give Elan Financial Services any permission to do a hard pull on my credit or to report anything to any bureau. I did not receive any product and service from this company. This is identity theft. 


This violates the following codes 15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2025-05-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SECURITY FINANCE CORP
State: AL

Complaint narrative:
They reported as a charge off and did not tell me or prove me with a 1099 cease

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: Southern Management Systems Inc.
State: CA

Complaint narrative:
I am filing a formal complaint regarding the {$20000.00} collection account listed as Southern Management System Inc. '' with the original debt from " Post on Nord. " This account stems from a residential lease that was jointly signed by me and my former boyfriend, with whom I was not married. As co-tenants, we were both equally responsible for the lease, but the full balance is being reported solely in my name. This is inaccurate and misleading. 

Additionally, the move-out statement I received from the property manager states the final balance as {$20000.00}, yet the amount listed on my credit report is {$20000.00}. That {$300.00} discrepancy has never been explained, and I have not received any itemized breakdown or verification of the total debt. 

I have disputed this account with XXXX XXXX  and Southern Management System Inc. multiple times, but the information has not been corrected or updated. The account remains on my report, with no acknowledgment of shared liability or the billing error. 

This inaccurate collection has also caused significant damage to my credit score, which dropped substantially after the account was reported. Although I do not know the exact number of points lost, the decline has been enough to disqualify me from housing, loans, credit cards, and even new bank accounts. 

The ongoing presence of this collection account has had a severe and continuing impact on my life. I have been homeless since XX/XX/year>, as no housing providers will approve me with this large unpaid balance showing on my report. The emotional and financial toll has been immense, and this unresolved error continues to block my ability to secure permanent housing or rebuild my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-05-04 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: MA

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NY

Complaint narrative:
Interest rates and amounts vary drastically without reason

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Client Services, Inc.
State: TX

Complaint narrative:
The company has been calling me for an amount of XXXX but that is not the amount I owe.I keep telling them that they got the wrong amount but they still harassing me. 
Also i need to see the debt validation and sign copies that shows they owen my debt. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
ONE MAIN FINANCIAL continues to report a balance of {$9100.00} on my credit report, even though this account has been charged off. The most recent update to my credit file was made on XX/XX/year>. A charge-off typically indicates that the creditor has written the account off as a loss and removed it from their active books. Continuing to report a balance under these circumstances appears to be inaccurate. I am requesting that this account be deleted from all three credit bureaus due to its charged-off status and inaccurate ongoing reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: PA

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 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 2025-05-04 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: IN

Complaint narrative:
I have submitted disputes to Equifax twice regarding the inaccurate information shown on my credit report for XXXX. This debt should have been removed from my Equifax credit report the same as it was from my XXXX  and XXXX  reports in XX/XX/XXXX since it was 7 years past the date of first delinquency. I submitted disputes to Equifax to correct this and update my credit report on XX/XX/XXXX and XX/XX/XXXX and they refused to update the report with the correct information. Prior Equifax reports show date of first delinquency as XX/XX/XXXX, which was more than 7 years ago. Therefore, this debt should not still be showing on my current Equifax credit report according to the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX 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 XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Trans Union has reported to XXXXXXXX XXXX  that one or more of my credit account accounts are delinquent. None of my accounts are delinquent, and none have been delinquent in the past including with XXXX XXXX This false information has had consequences.

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 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I would like to submit a complaint on XXXX  they continue to violate my rights, by placing accounts on my credit file that I did not have, I have asked them on repeated accounts to remove, also provided police reports in the past about the identity theft against me, they have refused to remove and continue to place on my credit file, I have no other recourse but to file a official complaint against them, I ask you to please assist in the matter The account are : Wells Fargo -with no credit number or validation of my signature and debt XXXX- once again no credit number on my credit file or validation of my signature authorizing the debt

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 2025-05-04 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: GA

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXXXXXX - XXXX * * * * * * XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX XXXX - XXXX * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX * * * * * XXXX - XX/XX/XXXX - {$160.00XXXX XXXX XXXX - XXXX * * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX * * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX * * * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXXXXXX XXXX - XXXX * * * * * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXXXXXX * XXXX * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX  - XXXX * XXXX * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX  - XXXX * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXXXXXX * * * * * XXXX - XX/XX/XXXX - {$0.00} INQUIRIES : XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2025-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Account XXXX XXXX XXXX XXXX. I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent the proper notification, please provide certified mail with receipt displaying my signature. if not please delete account XXXX XXXX XXXX XXXX in the amount of {$670.00} as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Credit Karma, LLC
State: WI

Complaint narrative:
XX/XX/XXXX Credit Karma closed my account and informed me a check would be mailed for the remaining funds in my account. I spoke to multiple support agents all of which told me different dates the check was mailed. XXXX policy is that it will take 7-10 business days. After the tenth business I contacted XXXX again. They said they would reissue and send me another check. The tenth business day for the second check has came and gone. XXXX are crooks that violate their own policies and don't get held up to the standards in which they say will. This is complete XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXenXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: RI

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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:
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, CHALLENGED OR NOT.

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 2025-05-04 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2025-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: SC

Complaint narrative:
XX/XX/XXXX accessed my CREDIT KARMA ( XXXX ) acct balance from my mobile app. approx {$1800.00} was gone from both checking/savings accounts. My account was hacked for a XXXX time. I went thru this with them back in XX/XX/XXXX. It took XXXX weeks to get my money back at that time which was abt XXXX XXXX Then they changed my acct/routing/debit card numbers. i thought that would keep me safe. on XX/XX/XXXX an annual annuity payment of {$1800.00} was deposited to the account. Almost immediately money started to be taken out. As soon as i realized this today, i called immediately to put in disputes but the hacker changed my phone number which is part of the verfication process. CK wont even speak to u on the phone if you can not verify the number on file. However i still had online access to see my balances and activity. I went thru chat and a verification system called XXXX. I did a picture, drivers license, tax bill and utility bill. Still they said they couldnt verify me. when i asked why not? they said they had an issue with the documents. but nothing else detailwise. i kept getting transferred to different ppl on the chat but NO resolution. Finally XXXX hrs later still on chat im told a supervisor will email me. Not when, not what department they are from. I asked for a copy of the chat, i was told no. I am concerned CK is involved potentially with the fraud that is so easily able to happen thru their bank. Someone in XXXX LA was able to get access to my bank account and pull all my money. At this point NO XXXX has even submitted a dispute for me at that bank. The hackers have taken over the account and CREDIT KARMA has lost control. I had to report this since its the XXXX time this happened in less than XXXX months. I want a full investigation done and of course my money back.

Company response to consumer: Closed with monetary relief