vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 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:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized account/information reporting to my credit report. these remarks have been detrimental to my life and XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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:
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 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 2025-05-13 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: AL

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 2025-05-13 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: MA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: NJ

Complaint narrative:
The are several hard inquiries in my credit report that I do not recognize

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
In XX/XX/XXXX, Freedom Mortgage erroneously reported my mortgage as 30 days late, followed by another late report for XX/XX/XXXX. I had autopay enabled, and my bank account had sufficient funds and overdraft protection in place at the time. Other transactions cleared normally during this period. 

I received no email, mail, or phone notification from Freedom Mortgage that the XXXX payment failed, nor any indication of an issue with my account. When I realized the problem in early XX/XX/XXXX, I immediately brought my account current. 

On XX/XX/XXXX, a payment of {$1500.00} cleared from my accountintended for XXXX Freedom appears to have applied that payment to XXXX, without notifying me. I then made an additional payment in early XXXX, which was meant to satisfy the remaining balance, yet Freedom reported XXXX as late as well. 

In Freedoms response, they acknowledged : The XXXX payment was satisfied on XX/XX/XXXX, and The XXXX payment was satisfied on XX/XX/XXXX, but strangely cited an effective date of XX/XX/XXXX, which appears to be a clerical error. 

I have provided : Bank statements showing funds available and transactions processed Credit reports confirming the drop of XXXX points due to the late payments Denial letters from lenders rejecting me for refinancing and home equity loans Despite my good-faith effort and detailed documentation, Freedom Mortgage refuses to amend the credit reporting or acknowledge possible internal system failure or miscommunication on their end. 

These false reports have significantly harmed my credit profile, prevented me from accessing lower-interest debt options, and worsened my financial condition. 

I respectfully request the CFPB to investigate and require Freedom Mortgage to correct the reporting for XXXX and XX/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 explanation
Consumer complaint received 2025-05-13 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 XX/XX/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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have previously disputed the above referenced account on XX/XX/XXXX. This item was deleted from the credit file on the subsequent credit report of XX/XX/XXXX. However, now this item has reappeared on my credit report. 
In accordance with the requirements of the FCRA, I am hereby requesting your complete compliance with any and all of the provisions listed below and permanently remove this item.

FCRA 611, Procedure in case of disputed accuracy { 15 U.S.C. 1681i ] Requirements relating to reinstatement of previously deleted material.

Certification of accuracy of information. If any information is deleted from a consumer & file pursuant to subparagraph ( A }, the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.

If any information that has been deleted from a consumer XXXX XXXX XXXX XXXX  s file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii }, a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer XXXX XXXX XXXXXXXX ; XXXX file disputing the accuracy or completeness of the disputed information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC
State: TX

Complaint narrative:
I opened a checking account in XX/XX/year>, then set up direct deposit from my employer at {$1000.00}, intending to get a {$250.00} bonus. The requirements for the bonus are simply XXXX direct deposits at {$1000.00} or more each into the checking account. Etrade tells me " you're on track to receive a cash bonus in your new account '' after XXXX direct deposit. After XXXX direct deposits, I withdraw my money. 
Later I receive a message saying " You recently opened a new checking account from Morgan Stanley Private Bank, Member FDIC as part of a cash bonus offer. Unfortunately, your account did not meet the offer requirements to qualify for the cash bonus. '' The offer terms listed do not mention anything about withdrawing the money invalidating the bonus. 
After I call customer service, the representative says he doesn't know why I didn't get the offer, talks to his XXXX, and says specifically that withdrawing the money was not allowed under the terms. This is a lie since the terms do not mention anything about withdrawal. There's a blanket statement saying " We reserve the right, in accordance with applicable laws, to rescind or decline award payment for reasons that we, in our discretion, deem to be abusive, excessive or suspicious, including suspected fraud, account abuse, or if suspicious activities are observed '' so the support representative could have at least been honest and pointed towards the blanket statement saying " we just consider your behavior abusive etc. etc. '' as the reason instead of straight lying to me about " withdrawing is against the terms. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
I am writing to formally request the immediate discharge and withdrawal of my student loans due to a serious violation of my privacy rights under the Family Educational Rights and Privacy Act ( FERPA ). I am deeply concerned about a recent breach of data where unauthorized non-government personnel accessed my financial records and sensitive information within the Department of Education.

The violation of my rights includes : 1. Privacy of Educational Records : FERPA protects the confidentiality of students educational records, and it is unacceptable that a non-government employee was able to gain access to my private information without my consent.

2. Control Over Information Sharing : As a student, I have the right to control who has access to my educational records. The breach represents a significant infringement upon this right, undermining my trust in the systems designed to protect my personal information. 

Given the gravity of this situation and the potential risks to my financial and personal security, I urge you to take immediate action to discharge my student loans and ensure that my financial records are no longer accessible to unauthorized entities. 

I would appreciate your prompt attention to this matter and request confirmation of the receipt of this letter, along with an outline of the steps that will be taken to address my concerns. 

Thank you for your attention to this serious issue

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-05-13 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: 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. 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 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 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 2025-05-13 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: TX

Complaint narrative:
These fraudulent inquiries are affecting my ability to obtain credit. I need them removed immediately.

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 2025-05-13 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: MD

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: FL

Complaint narrative:
To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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

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 2025-05-13 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: VA

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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
Consumer complaint received 2025-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
In XXXX XXXX XXXX I noticed that another person appeared on my checking account. This person was XXXX XXXX XXXX, resident of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX charges started to appear on my USAA checking account. On XXXX XXXX XXXXXX/XX/XXXX I received notice from USAA that XXXX XXXX filed a signature card with USAA and added himself to my physical address. This signature card was forged. XXXX XXXX printed my name on the signature card. I do not print my name but sign my name in cursive. USAA accepted this forged signature card and did not contact me. 
I received XXXX letter which indicated that XXXX XXXX added me to his account. This is false. XXXX XXXX appended himself to my account and stold my funds. 
I reported this transgression to USAA on XX/XX/XXXX. USAA said that they would open a fraud investigation and would have results in XXXX days. I called USAA on XX/XX/XXXXXXXX  and said that XXXX XXXX XXXX name was still on my account. USAA said that they had mistakenly dropped my investigation and would re-open the investigation to remove XXXX from my checking account. I am concerned that USAA would accept a forged signature card andaccept that information as correct without calling me.

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I, XXXX XXXX XXXX, am filing this complaint against Experian Information Solutions XXXX XXXX for violations of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ).

Despite multiple formal disputes and verified documentation, Experian continues to report : XXXX. A bankruptcy public record that was proven unverified and not sourced from any court ; XXXX. Several inaccurate, charged-off, or unverifiable accounts, including : 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 entries were disputed under my rights in 15 U.S.C. 1681i ( a ) and 1681s-2 ( b ). Experian failed to reinvestigate properly, did not delete unverifiable data, and provided unclear reinvestigation resultsviolating both the FCRA and CFPA.

I also cite CFPB v. Experian, Case No. XXXX ( filed XXXX XXXX XXXX  ), in which the Bureau itself documented systemic failures by Experian to : Forward disputes to furnishers ; Accurately convey dispute codes ; Provide meaningful dispute results ; Prevent reinsertion of deleted tradelines. 

Experians refusal to remove the unverified bankruptcydespite my documentationand its mishandling of multiple tradeline disputes demonstrate a willful disregard for federal law.

I am requesting that the CFPB intervene, enforce all available remedies under 15 U.S.C. 1681n and 1681o, and require Experian to immediately delete or correct the disputed entries and remove the unlawful bankruptcy notation.

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 2025-05-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
I just checked my credit report, and I am appalled a debt collector named Rent Debt Automated Collection is attempting to collect a debt for an apartment at XXXX XXXX. I've never signed a lease for or heard of. I have never lived there, nor have I had any agreement with Rent Debt Automated Collection. I want this collection removed immediately from my credit report as it has placed a detrimental halt to my current leasing plans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: FL

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security number : My correct address is : XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXXXXXX My employer is : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXX XXXX  has been trying to collect a debt that Wells Fargo charged off. Wells Fargo has already received payment on on the debt XX/XX/XXXX. Today ( XX/XX/XXXX ) I received a letter stating that they have put a lien on my property. This is unacceptable, as we are in the middle of selling the home and our close of escrow is XX/XX/XXXX. This company has no basis to put a lien on my property, and it has not been court ordered.

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