vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 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: CA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Date of XXXX 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 your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : XXXX XXXXXXXX XXXX XXXX  BALANCE : {$13000.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX BALANCE : {$75000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BALANCE : {$28000.00}. I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and 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 your agency are the result of identity theft and fraud. I have attached a copy of the FTC identity theft report number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: AL

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: KS

Complaint narrative:
Bank errors related to billing and reporting are negatively impacting my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors are required to accurately reflect payments and credits, but several issues have arisen : payments I made were not properly recorded, and there are clear calculation errors in the reported amounts. Additionally, I was not provided with the required 21-day notice before a payment was due, making any late payment marks invalid. These inaccuracies are a clear violation of federal law and unfairly harm my credit standing.

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 2025-05-30 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 recently become aware of unauthorized accounts due to a data breach. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I request the immediate blocking and deletion of the following accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX XXXX Date : XX/XX/year> XXXX Date : XX/XX/year> XXXX Date : XX/XX/year> XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX Date : XX/XX/year> XXXXXXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX Date XXXX XX/XX/year> XXXX XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX Date : XX/XX/year> XXXX XXXX Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Texas, XXXX XXXX XX/XX/year> Experian XXXX XXXXXXXX XXXX, XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Credit Report Information Under the Fair Credit Reporting Act ( FCRA ) Dear Experian, I am writing to dispute the following inaccurate item ( s ) in my credit report as provided by your agency. This letter serves as a formal notice under the Fair Credit Reporting Act ( FCRA ), specifically citing : 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy ; 15 U.S.C. 1681i, which mandates that consumer reporting agencies reinvestigate disputed information within 30 days. 

Disputed Information : Creditor/Furnisher Name : XXXX Account Number : XXXX Reason for Dispute : Inaccurate Dates The above item ( s ) are inaccurate and damaging to my credit profile. 

I request that you conduct a thorough reinvestigation of the disputed information. If you are unable to verify the accuracy, completeness, or ownership of this data, you are legally obligated to delete it from my credit report. 

Supporting Documents Enclosed : A copy of my credit report with the disputed item ( s ) clearly highlighted the inaccuracies on my report Please respond in writing with the results of your investigation within 30 days, as required by FCRA guidelines. If the information is found to be inaccurate or unverifiable, it must be removed or corrected immediately. If this matter is not resolved appropriately, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) and consider legal action to protect my rights under federal law. Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-05-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A.
State: OK

Complaint narrative:
When talking with the loan officer XXXX XXXX. I told him that I wanted the tag & tax tacked on the back of the loan. I said it more than once. So that's what I thought he did. I signed all the paper work and took the truck home. When the title came in. I went up and got it. I decided to go to the tag agency and show them all the paper. That's when I found out. The tag & taxes was not add. So I thought there had to be a mistake cause i told XXXX that's what I wanted done. So I When back up to XXXX  XXXX  in XXXX I ask XXXX what was going on and he said I never said anything about adding the tag & taxes on the truck. My XXXX  is a witness about what was said.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: AL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2025-05-30 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: CA

Complaint narrative:
Collection/Charge Off ( Experian ) XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$0.00} XXXX  XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$0.00} XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$100.00} XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$48.00} XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX  - XX/XX/XXXX - {$0.00} Despite repeated attempts to resolve these matters, Experian continues to allow damaging inaccuracies to persist on my credit profile. These unresolved errors are more than just frustratingthey are unjust, and they are actively interfering with my ability to move forward financially. Every time I apply for a loan, a credit card, or any financial opportunity, these incorrect entries stand as barriers that I shouldnt have to face. It is unacceptable that after multiple disputes, you still havent taken the appropriate steps to ensure your data is correct. 

Under the Fair Credit Reporting Act, you are legally required to verify every single reported item with original, legitimate documentation. If you can not confirm the accuracy of these records with credible, dated evidence, then these entries have no place on my report and must be removed immediately. I am demanding that you conduct a thorough reinvestigationnot a generic response, not a rubber-stamped review, but a meaningful audit backed by proper documentation. Continued delays and inaction will be treated as a deliberate and unlawful disregard of your obligations under federal law. Ive been more than patient, but my patience has run out.

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 2025-05-30 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: CA

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-05-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: TX

Complaint narrative:
I never consented to the release of my medical information to this debt collector. Because the medical account contains private information, it should not be reported on this account because you are infringing on my privacy. This is a clear HIPAA violation due to its failure to comply with any aspect of HIPAA standards and provisions detailed in 45 CFR Parts 160, 162, and 164.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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

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 2025-05-30 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Larry H. Miller Group of Companies
State: TX

Complaint narrative:
On XX/XX/2025, I contacted Prestige Financial Services requesting a calculation of the deficiency balance and a full copy of the original contract. XXXX XXXX, their XXXX XXXX XXXX, responded that same day and confirmed he could provide both documents. However, as of XX/XX/XXXX, I have not received either item. 

This failure to follow through on a written request is obstructing my ability to verify or dispute the validity of the debt. I made it clear that my request was for documentation purposes only and did not imply any liability or agreement. 

This delay may constitute noncompliance under the Fair Debt Collection Practices Act and is affecting my ability to resolve this matter in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: AZ

Complaint narrative:
I am submitting this attachment as part of my formal dispute regarding inaccuracies found on my credit report. Please find below a detailed account of the discrepancies related to my names, addresses, and credit inquiries that require correction. 
1. Unauthorized Credit Inquiries : The credit report lists several hard inquiries that I do not recognize and have no recollection of authorizing : 1. The inquiry was not authorized XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : 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 2025-05-30 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: CA

Complaint narrative:
Collection/Charge Off ( Equifax ) XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$0.00} XXXX XXXXXXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$0.00} XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$100.00} XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$330.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$620.00} Equifaxs repeated failure to address my disputes with care and thoroughness is now more than just negligenceit has become a pattern, one that echoes the same serious concerns the Consumer Financial Protection Bureau has already investigated XXXX I will not allow my credit file to remain stained by errors that Equifax has failed to verify or remove, especially when that failure comes at a direct cost to my well-being and future. You have an obligation to treat consumer disputes seriously, and yet it feels as though my concerns have been dismissed entirely. 

According to 15 U.S.C. 1681i, Equifax is legally required to reinvestigate all disputed items within XXXX  days, and to delete any information that can not be fully and independently verified. That means verifiable proofnot assumptions, not recycled data from unreliable sources. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be incomplete, inaccurate, or unverifiable must be corrected or removed entirely. I am demanding immediate corrective action, not another automated response. If you fail to do your job now, I will escalate this matter through every available channel. You are not just mishandling datayou are mishandling lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/year> at about XXXX pm. I was alerted by a text that there was activity on our business checking account and if I did not authorize the transaction to contact Wells Fargo. It was a notification of a XXXX transfer of {$9000.00}. I did so immediately and went directly into our local Wells Fargo branch in XXXX, XXXX XXXX, by then it was approx. XXXX pm. Once in the bank they were collecting information, they had me look up Wells Fargo Bank app on my cell phone and it was then I noticed a second wire transfer of {$23000.00} from our account. I was assured by the bankers that day that the funds would be returned to my account within XXXX days ( as was written in their notes to me ). 
After I was told by their fraud dept. that they were not going to refund our money, I reported the losses to the local XXXX, XXXX  XXXX. police and the local branch of the FBI in 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 2025-05-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
Between XXXX and XXXX, I borrowed four private student loansdisbursed directly to The XXXX XXXX XXXX XXXX XXXX pay for my degree in XXXX XXXX and XXXX. The disbursements were : {$19000.00} on XX/XX/XXXX {$19000.00} on XX/XX/XXXX {$10000.00} on XX/XX/XXXX {$10000.00} on XX/XX/XXXX These loans were taken based on the schools claims that over 83 % of graduates found work in their field within six months and earned average starting salaries above {$36000.00}. The school also promised strong career services and partnerships with major companies. None of these promises were fulfilled. I received no meaningful job placement help, and I have never worked in a job related to my degree. The school was later found by the XXXX XXXX XXXX XXXX to have engaged in widespread fraud and misrepresentation. 

In XX/XX/XXXX, the XXXX XXXX XXXX XXXXXXXX my federal student loans and refunded prior payments under XXXX XXXX, based on this same misconduct. I then submitted a formal application to my private loan servicer requesting discharge of my private loans on similar grounds. I provided detailed supporting documents, including the XXXX XXXXXXXX approval letter, loan statements, promotional materials from the school, and a detailed statement of harm. 

I have submitted this application four times, and each time it has been denied without any explanation from the lender. I have followed all instructions and contacted the servicer for clarification, but I continue to receive generic denials with no justification or appeal process offered.

Company response to consumer: Closed with explanation