vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-07 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: FL

Complaint narrative:
In XX/XX/XXXX, I discovered multiple entries on my credit report that I did not authorize. These accounts were not opened by me and appear to be the result of identity theft. 

The fraudulent accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts were added without my consent, and I had no participation in initiating them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HW Holding, Inc
State: MS

Complaint narrative:
Inaccurate/incomplete information is showing on XXXX report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a formal dispute regarding multiple violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I demand immediate correction and removal of the following inaccurate and unverified information from my credit report : 1. Invalid and Unverified Debt ( FDCPA Violations ) Under 15 U.S. Code 1692g, I am disputing the listed accounts as they have not been properly validated under the FDCPA. Your failure to provide legal validation means you can not report or collect on these accounts, and they must be removed immediately. 

2. Incorrect Late Payment Remarks ( FCRA Violations ) Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) and 15 U.S. Code 1666b, I am disputing inaccurate late payment remarks on the following accounts. These accounts were paid on time, and the false reporting of late payments is a violation of FCRA and TILA. I demand that these remarks be removed immediately to ensure the accuracy of my credit file. 


Additionally, I have already filed a formal complaint with the Federal Trade Commission ( FTC ) regarding these violations. If this matter is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action to protect my rights. 

I expect a written response and correction within the legally required timeframe. Failure to comply may result in additional legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: FL

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 explanation
Consumer complaint received 2025-04-07 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: AL

Complaint narrative:
Here is the list of fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to 15 U.S. Code 1681s2 that you have the duty of furnishers of information to provide accurate information. Experian credit reporting agency is reporting a late payment that's appearing on my consumer credit report that is inaccurate information. I demand that this payments be updated to paid on time immediately within XXXX business days of you receiving this complaint. 

It's illegal for you to report information with knowledge that this account information has errors. I have substantial doubts about the accuracy of the information Please update this account to PAID NEVER LATE. 

Account : 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 2025-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: IN

Complaint narrative:
I am writing to formally dispute the accuracy of a Credence collection currently being reported on my credit file. Upon recently reviewing my credit reports, I was shocked to find this account is still listed despite having been fully paid. It was my understanding that upon payment, Credence would remove the tradeline from my credit report. However, this collection remains, inaccurately reflecting a negative status and negatively impacting my credit profile. As a result, I have been unable to secure credit and it is jeopardizing my ability to obtain approval for a home loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: TX

Complaint narrative:
Today, while checking my credit report as I normally do, I saw inaccurate accounts listed for no apparent reason. I thought it might be a glitch and refreshed the page, but the errors persisted. Because of this situation, Im requesting a careful examination of the documents I provided to ensure this doesnt happen again.

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 2025-04-07 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: TN

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 XXXX XXXX XXXX XXXX. 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 XXXX 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 non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Mobiloans, LLC
State: NM

Complaint narrative:
Due to financial hardships and cash flow problems I continue to experience as a result of the Covid-19 epidemic, I applied online for a loan with Mobiloans. I was approved for a {$1500.00} line of credit and took out a {$300.00} loan on XXXX. While making payments on time I increased the loan amount by another {$1400.00}. 
In less than a XXXX, as of XXXX  XXXX, I have paid back a total of {$3000.00} which is far in excess of the total principle amount borrowed of {$1700.00} plus the maximum interest and fees allowed in my State of XXXX XXXX. ( 1953 Comp., 48-17-51, enacted by Laws 1955, ch. 128, 22 ; 1973, ch. 18, 6 ; 2017, ch. 110, 19 ; 2022, ch. 23, 13. ) I have contacted Mobiloans via email to notify them that they are in breach of Federal and State laws but they insist that they are not bound by these statutes. I have also asked that the loan be considered Paid In Full due to payments I made far in excess of the original loan amount AND a reasonable interest rate. I consider this loan as Predatory and their Terms and Conditions are confusing and not easily understood.

Company response to consumer: Untimely response
Consumer complaint received 2025-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-04-07 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: TX

Complaint narrative:
I demand the immediate removal of these entries from my credit report. I did not authorize any CRA to use or advertise my personal data without my explicit permission. This unauthorized use of my data constitutes a serious breach of privacy and is tantamount to identity theft on their part. 
MY only name on my credit report should read : XXXX XXXX. I called each bureau in XX/XX/XXXX and reported this and it has not changed. 
My only address should be : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called the credit bureaus in XXXX XXXX, and it has not changed. 
XXXX XXXX, is reporting charged off XX/XX/XXXX XXXX XXXX ( I have not received a 1099c ) I reached out to them and a scammer trying to get money from me. 
XXXX XXXX XXXX XXXX  reported charged off XX/XX/XXXX ( I never received my 1099c ) but now reporting past due XXXX XXXX XXXX XXXX  XXXX reported charged off XX/XX/XXXX ( I never received my XXXX ) but now is reporting past due XXXX XXXX XXXXXXXX. Reported charged off XX/XX/XXXX now reporting open. Was removed from agencies. 
XXXX XXXX XXXX XXXX  We settled however they charged off the account prior to my payment. ( I never received my 1099c ). 
Police Report 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 2025-04-07 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PLANET HOME LENDING, LLC
State: DE

Complaint narrative:
Dear Planet Home Lending, This letter is a formal rebuttal to your response regarding my Consumer Financial Protection Bureau ( CFPB ) complaint about the inaccurate reporting of a XXXX late payment for XX/XX/year>. 

Your response confirms the following : I authorized payment for the XX/XX/year> installment on XX/XX/year>, which your bank returned for insufficient funds. 
I authorized a new ACH payment on XX/XX/year>, which you applied toward the XX/XX/year> payment. 
You then reported the XXXX payment as XXXX days past due on XX/XX/XXXX, claiming only XXXX payment was made during this time. 

However, this response fails to acknowledge the following critical facts : XXXX. I made XXXX mortgage payments within the same month ( XX/XX/year> ) XXXX to satisfy the delayed XXXX balance, and another to stay current for XXXX. 
XXXX. Both payments were made in good faith, through your online portal, and within the grace period before the account would legally be considered 30 days delinquent under FCRA guidelines. 
XXXX. The delay in application and reporting was a processing and administrative error on your end, not mine. I have attached bank statements showing both debits from my account, verifying timely intent and fulfillment of my payment obligation. 
XXXX. Despite my repeated efforts and submission of supporting documentation, you have not corrected the inaccurately reported delinquency that has now negatively impacted my credit score and financial standing.

Your refusal to remove this mark despite clear evidence of my compliance is unacceptable and a direct violation of the Fair Credit Reporting Act. As a consumer acting in good faith, I expect you to correct this reporting error promptly. 

I am again requesting : Immediate removal of the XXXX late payment reported for XX/XX/year> Correction of my account status with the credit reporting agencies to Paid as Agreed or Current Should you choose not to take action, I am prepared to : Escalate this matter to the State Attorney General File a formal complaint with the FTC Retain XXXX consumer protection attorney for a potential legal claim under FCRA violations Please respond in writing within 10 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Complaint about timely CD renewal due to Wells Fargo ( WF ) inefficiencies. Its costly to me both in interest income and penalties should I go through the renewal process. Branch located at XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX. 

An appointment was made to meet with XXXX on XXXX at XXXX XXXX I arrived timely. The only employee I visibly saw during my estimated wait of about 30 minutes was a single XXXX. Having wondered if I had the wrong day, I left. Arriving home, I checked voicemail and had a msg from XXXX at XXXX stating she had seen me but didnt see me when she was finally freed-up. I made numerous calls to her # to reschedule as follows ; ( 4 times on the XXXX ) XXXX, XXXX, XXXX, XXXX. Two times on XXXX at XXXX, XXXX and once on XXXX at XXXX. Additionally, I called the branch # on XXXX, 3 times at XXXX, XXXX and XXXX, and once on XXXX at XXXX. Every phone call resulted in the same automated message ; Branch employees are currently assisting other customers. '' As phone calls were never answered, I finally figured out to go online & obtain an appointment - I did, for XX/XX/XXXX at XXXX. I arrived timely. After about 20 minutes, I had a brief conversation with an employee and complained about the phone system and not being able to make contact. He responded many customers have complained about not being able to speak to, or leave a message. Turned out he was recently promoted to the XXXX  XXXX. He said the branch was and is still short-staffed with XXXX. A couple months ago they only had one XXXX. Four are specified. Additionally, I learned there is bank-wide shortage of XXXX XXXX causing long and delayed customer wait times. 

After a 45-minute wait & XXXX still tied up, he assigned me to a pleasant associate banker, XXXX XXXX XXXX Having understood my situation she called a corporate number, told them I was a long time and good customer, and attempted obtain approval to renew the CD as initially planned. She was told NO, to either leave it as is, or I could cancel it and pay a cancellation penalty, loose any interest, then open a new CD. At age XXXX, a widower & on fixed income, every dollar is important. Their failure is my loss & their financial gain. I want the CD backdated to the initial renewal date forgoing their penalty. 

Im well aware of the numerous criminal and civil investigations WF has incurred in the past 4 years, including the recent one a few months ago. Mine may be insignificant but I shouldnt pay for their inefficiencies. Thank you.

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 2025-04-07 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: NV

Complaint narrative:
My FFEL loans was discharged under Borrowed Defense Group Discharge. The letter I received stated I will receive a full discharge of my loans. Mohela only gave me a partial discharge. They were suppose to discharge XXXX of my XXXX remaining balance. They only discharged XXXX. They stated the other XXXX went towards a Direct loan I had, that was forgiven under PSLF. That was a different loan that was NOT part of this discharge. That loan was cancelled by PSLF. They can't apply part of my BDTR to a loan that was already cancelled a year prior. It's hard getting a hold of someone on the phone. I have emailed them several times explaining this to them, but I keep getting a generic answer and referred back to FSA. FSA told me I do not have any more student loans. My account on student aid website states I do not have any student loans as well. Because they were discharged. Mohela is not trying to work with me to get this taken care of. They want me to pay on a loan that has been discharged. How can FSA tell me I don't have a remaining balance on my loans, but Mohela tell me I do. I thought FSA make the decisions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-04-07 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: MO

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 non-monetary relief
Consumer complaint received 2025-04-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Ive discovered that a company pulled my credit without my permission. I never authorized them to do so, and Im concerned that my information was used without 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