vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-27 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:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$15000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 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: IL

Complaint narrative:
I came across the CFPB Experience lawsuit I feel that I was negativately impacted, hurting my chances at credit after receiving ( not not receiving any response that the information was correct and verified. I have submitted to the CRA Notarized affidavits with copies of my State ID/DL along with mails showing me the correct spelling of my name and address, and for the CRA to update my credit profile with the correct information. I informed then that the law states that CRA must have report the correct information, additionally there are companies that I have never been employed with and or address I have never lived at and I have been out of the country for a few years. Prove that my State ID is incorrect or remove and correct. 


I want the CFPB to publish

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: FourLeaf Federal Credit Union
State: NJ

Complaint narrative:
I am a victim of identity theft. I never received the vehicle that is apparently in my name or any kind of money associated with the loan. Upon further investigation, it seems that a dealership was making payments and that dealership is no longer in business. I'm working to resolve this issue with creditors and ftc.

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 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Due to the data breach I have been contacting Equifax since XXXX of 2024 to get access my account. When I first contacted them I was told two email addresses were made with information. I advised Equifax my information was exposed in the Equifax data breach. I was advised my account would be escalated to a supervisor and the IT department to have both profiles deleted. I was told I would receive a call back and email confirmation, I never received a called back and after 6 months of calling. I still can not access my credit profile. With being a part of the Equifax data breach there are several accounts on my profile which I did not open.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
The company has not provided proof of the debt. When i spoke to them on the phone they stated that do not have ownership of the debt. That law offices have taken over the debt and I need to contact them. They are still reposrting to all the credit agancies wothout showing ptoof of ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I reviewed my credit report and seen some inaccurate information on my credit report. Someone is trying to use my identity

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 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have been repeatedly affected by errors in my Experian credit report, despite my efforts to resolve them. I have disputed fraudulent accounts that continue to appear on my credit report, including a newly discovered account with the following details : Furnisher : XXXX XXXX XXXX  Partial Account Number : XXXX * * * Status : Closed Balance : {$3000.00} I have provided Experian with all necessary documentation, including my government-issued ID, Social Security card, and a police report documenting identity theft. Despite this, Experian has failed to properly investigate these accounts or remove the fraudulent information from my report. 

I have made multiple disputes, but Experian continues to simply repeat information provided by the furnisher without performing an independent investigation. Additionally, they have not provided me with a full disclosure of my credit file, as required under the Fair Credit Reporting Act ( FCRA ). 

These actions have caused me significant distress, financial loss, and harm to my credit reputation. I am seeking a resolution, including the deletion of fraudulent accounts, an updated and accurate credit report, and cessation of further violations of my rights under the FCRA.

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 2025-04-27 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: TX

Complaint narrative:
My student loan account is currently in forbearance, and I was told that I should still be able to make payments while in this status. I have attempted to make payments with MOHELA twice in the past 2 weeks and both payments pushed back automated emails with a confirmation numbers of the payment being processed. However, those payments were never processed. Both payments were made manually online in the amount of {$1100.00}, one on XX/XX/year> and the other on XX/XX/year>. I called after the first payment was rejected/not processed and I was not really given a direct answer from the loan specialist as to why those were rejected, she did some research and essentially gave me guesses ; after a 3 hour hold this is not what I wanted to hear. I got off the phone still feeling left with out resolution. I attempted a second time on XX/XX/year> and again the payment was not processed. This company needs to do better, if they want their payments on time. Ultimately, I am not sure what to do with this servicer because this can in turn effect my credit score. Please help. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: LDF Holdings, LLC
State: TX

Complaint narrative:
I've been a victim of identity theft and these people have pull multiple loans against my dba. I found this information through my life lock and factortrust. I have multiple police reports here in the county XXXX  XXXX  police department and XXXX police department. They were stealing mail as well my birthday is not the one for these loans I've found it is multiple companies. And they have made forges copies of my drivers license and social security cards opening bank accounts etc. XXXX XXXX XXXX XXXX  and XXXX XXXX  XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: NC

Complaint narrative:
Why my score is XXXX points lower than other reporting agencies. THERE SHOULD BE ONLY SCORING MODEL FOR ALL.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: ND

Complaint narrative:
They would not give me a pin number and would not allow me to use an ATM and pulling money off of the car.Then they close down my account and froze all my money And still have not returned Any of my money

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 2025-04-27 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: AR

Complaint narrative:
In XX/XX/year>, I sent notarized, written disputes to TransUnion, Experian, and Equifax, requesting verification of multiple accounts appearing on my credit reports. I cited my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) and 1681i ( a ) ( 7 ), requesting the method of verification, including the business name, address, and phone number of any data furnishers. I also disputed these accounts via the companies ' online platforms.

Despite multiple good faith efforts, including written requests and online disputes, I have not received any responses within the timelines required by the FCRA. The unverified accounts including XXXX XXXX XXXX XXXX XXXX XXXX, and others remain on my reports. 

Under Section 611 ( a ) ( 5 ) ( A ) ( i ) of the FCRA, any information that can not be verified must be promptly deleted. The companies ' failure to verify or remove this information has caused harm to my credit profile. I am requesting the CFPB assist in ensuring these companies comply with the FCRA by deleting the accounts 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 2025-04-27 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: VA

Complaint narrative:
Sent a letter to the company regarding inaccurate reporting Company reporting payment history as 90 days late in XXXX XXXX, when in XXXX XXXX and XXXX XXXX my payment history reflects, on time payments.

15 U.S. Code 1681 15 U.S. Code 1681i 15 U.S. Code 1681s-2

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 2025-04-27 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:
I am writing to formally dispute the inaccurate and unauthorized information currently appearing on my credit report. In violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b ( 2 ), my personal information has been reported without my express written consent, leading to the inclusion of accounts that are not associated with any transactions I have personally made. This unauthorized reporting not only compromises the accuracy and integrity of my credit file but also constitutes a potential case of identity theft under 15 U.S. Code 1681c-2. I request immediate investigation and correction of these inaccuracies to restore the accuracy and fairness mandated by the FCRA.

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 2025-04-27 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: FL

Complaint narrative:
Subject of the Complaint : Company Name : TransUnion LLC Complaint Details : I am filing a complaint against TransUnion for their persistent failure to correct inaccurate information on my credit report, which is causing me significant financial harm. 

The inaccurate information pertains to a creditor listed as " XXXX. '' I possess a letter from the Department of Finance XXXX that explicitly directs the complete removal of this entry from my credit report, stating it should be as if it never existed. 

Despite submitting multiple written requests to TransUnion, along with a copy of the letter from the Department of Finance XXXX, they have failed to take the necessary corrective action. Instead of removing the entry as instructed, TransUnion continues to incorrectly mark the XXXX account as " paid in full. '' I have also contacted TransUnion directly on two separate occasions to dispute this inaccurate information verbally. However, their representatives were unhelpful, and the error remains uncorrected. 

This inaccurate reporting by TransUnion is negatively impacting my credit score and severely hindering my ability to obtain loans and other forms of credit, resulting in financial loss. It is important to note that both XXXX and XXXX have reviewed the same documentation and have correctly removed the XXXX entry from my credit reports. TransUnion 's refusal to do so is unreasonable and causing ongoing damage.

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 2025-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under XXXX XXXX XXXX. FCRA XXXX ( XXXX XXXX. XXXX ) FCRA XXXX ( b ) Block - XXXX XXXX XXXX XXXX XXXX ) - XXXX XXXX XXXX XXXX a ) XXXX - XXXX XXXX XXXX XXXX a ) XXXX ( B ) XXXX - XXXX XXXX XXXX XXXX a ) ( XXXX ) B - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS : XXXX XXXX - Account number - XXXX Date opened : XXXX XXXX, XXXX - Balance : {$54000.00} XXXX  XXXX - Account number XXXXXXXX XXXX XXXX XXXX - Account number - XXXX Date opened : XX/XX/XXXX - Balance : {$730.00} XXXX XXXX  - Account number - XXXX Date opened : XX/XX/XXXX - Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX Account number - XXXX Date opened : XX/XX/XXXX - Balance : {$730.00} XXXX U.S.C XXXX Section XXXX A. State I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section XXXX : It also states consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX years. 

XXXX U.S.C XXXX ( A ) ( XXXX ) 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 in accurate. 
XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( a ) XXXX XXXX XXXX XXXX ( a ) XXXX ( B ) XXXX XXXX XXXX XXXX ( a ) ( XXXX ) B 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 LATE PAYMENT CODE XXXX XXXX XXXX XXXX LATE PAYMENT CODE XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 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 2025-04-27 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under XXXX XXXX XXXX. FCRA XXXX ( XXXX XXXX. XXXX ) FCRA XXXX ( b ) Block - XXXX XXXX XXXX XXXX XXXX ) - XXXX XXXX XXXX XXXX a ) XXXX - XXXX XXXX XXXX XXXX a ) XXXX ( B ) XXXX - XXXX XXXX XXXX XXXX a ) ( XXXX ) B - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS : XXXX XXXX - Account number - XXXX Date opened : XXXX XXXX, XXXX - Balance : {$54000.00} XXXX  XXXX - Account number XXXXXXXX XXXX XXXX XXXX - Account number - XXXX Date opened : XX/XX/XXXX - Balance : {$730.00} XXXX XXXX  - Account number - XXXX Date opened : XX/XX/XXXX - Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX Account number - XXXX Date opened : XX/XX/XXXX - Balance : {$730.00} XXXX U.S.C XXXX Section XXXX A. State I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section XXXX : It also states consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX years. 

XXXX U.S.C XXXX ( A ) ( XXXX ) 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 in accurate. 
XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( a ) XXXX XXXX XXXX XXXX ( a ) XXXX ( B ) XXXX XXXX XXXX XXXX ( a ) ( XXXX ) B 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 LATE PAYMENT CODE XXXX XXXX XXXX XXXX LATE PAYMENT CODE XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 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: Future Judgement Solutions
State: MN

Complaint narrative:
Got phone call with message, called back says I owe them something from XXXX ago, I have no recollection of this, said if I dont pay it will be judgement of bank fraud, and threatened to show up at employment, and will be on my credit report for XXXX  years

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
A repossession is being reported on my credit file by GM Financial. I disputed the accuracy with [ XXXX ] XXXX and they claimed it was verified. However, after requesting a Method of Verification under the Fair Credit Reporting Act, they failed to provide adequate evidence. I never received required notices of default and sale prior to repossession, and no legal validation has been provided. I request that the inaccurate information be permanently deleted from my credit report.

Company response to consumer: Closed with explanation