vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am filing a complaint regarding Portfolio Recovery Associates, who recently reported a collection account on my credit report with an inaccurate open date of XX/XX/XXXX. This account is for a XXXX XXXX debt originally opened in XXXX in the amount of {$550.00} is delinquent, which is no longer visible on my credit report since the debt was purchased by Portfolio Recovery. I have screenshots showing the original dates prior to this inaccurate update. I contacted Portfolio Recovery, and they told me the reporting is not incorrect and refused to fix the date. Instead, they pushed for a payment plan, despite my concern that this account is negatively impacting my credit score due to inaccurate reporting. I am currently trying to rebuild my credit, and this misinformation has caused a significant drop. I am requesting that this item be fully investigated and corrected or removed due to violation of the Fair Credit Reporting Act ( FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: RFNA, LP
State: GA

Complaint narrative:
I am complaining because this account with Republic finance is reflecting a personal loan which is not a personal loan I did not receive {$15000.00} I only wanted to refinance my vehicle from XXXX XXXX to Republic finance but apparently Republic finance has it done as a personal note loan which is not a personal note loan it is a refinance loan

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: GA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens 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 non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-05-09 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:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent account and inquiries on my credit report. Please dispute and remove listed fraudulent account and credit inquiries from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: Experian Information Solutions Inc.
State: GA

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 I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
In XX/XX/XXXX, I lost housing with less than 10 days notice because the landlord sold the property and I have been living in my car since. During this period, I fell behind on my XXXX student loan. I recently paid over {$2500.00} and brought the account current. However, despite my efforts, late payments are still being reported for XXXX and XX/XX/XXXX. I contacted XXXX for clarification and resolution, but they provided no clear help. Im actively working to improve my credit in order to buy my first home, and these late marks are holding me back from stabilizing my situation.

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 2025-05-09 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: NJ

Complaint narrative:
am writing to express my urgent and dire concern regarding the predatory and negligent actions of the Missouri XXXX XXXX XXXX XXXX ( XXXX ), which have devastated my credit and my co-signers, my mother. 

Without any prior notification, documentation, or opportunity to respond, XXXX caused my credit score to drop by over XXXX points. My mothers credit was also severely impacted. At no point were we contacted or given a chance to understand or resolve the alleged debt. Every attempt Ive made to contact XXXXwhether through their website or phone supporthas been unsuccessful. This makes it impossible for me to address or even understand what I am being held accountable for. 

This is not an isolated incident. What is happening is a national disaster. Millions of Americans are being harmed by XXXX complete failure to manage accounts transparently and responsibly. Their inaccessibility and lack of accountability have created a crisis that is destroying financial lives. 

I must be clear : I can not continue to live under the weight of this situation. The stress and damage caused are affecting every part of my daily life. If this is not urgently investigated and resolved, I do not know how I will be able to continue functioning. XXXX created this problem, and they have failed to fix it. I will not and can not be held responsible for their negligence. 

I am pleading with your office to investigate my case immediately and advocate for immediate oversight and reliefnot only for me but for the many others facing similar devastation. This issue is serious, widespread, and life-altering. 

Thank you for your time and attention. I am prepared to provide any documentation needed and am available to discuss my case directly if necessary.

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 2025-05-09 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: MOHELA
State: NJ

Complaint narrative:
am writing to express my urgent and dire concern regarding the predatory and negligent actions of the Missouri Higher Education Loan Authority ( MOHELA ), which have devastated my credit and my co-signers, my mother. 

Without any prior notification, documentation, or opportunity to respond, MOHELA caused my credit score to drop by over XXXX points. My mothers credit was also severely impacted. At no point were we contacted or given a chance to understand or resolve the alleged debt. Every attempt Ive made to contact MOHELAwhether through their website or phone supporthas been unsuccessful. This makes it impossible for me to address or even understand what I am being held accountable for. 

This is not an isolated incident. What is happening is a national disaster. Millions of Americans are being harmed by MOHELAs complete failure to manage accounts transparently and responsibly. Their inaccessibility and lack of accountability have created a crisis that is destroying financial lives. 

I must be clear : I can not continue to live under the weight of this situation. The stress and damage caused are affecting every part of my daily life. If this is not urgently investigated and resolved, I do not know how I will be able to continue functioning. MOHELA created this problem, and they have failed to fix it. I will not and can not be held responsible for their negligence. 

I am pleading with your office to investigate my case immediately and advocate for immediate oversight and reliefnot only for me but for the many others facing similar devastation. This issue is serious, widespread, and life-altering. 

Thank you for your time and attention. I am prepared to provide any documentation needed and am available to discuss my case directly if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-05-09 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 am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NC

Complaint narrative:
A unauthorized payment was made on XX/XX/XXXX for a particular product. I called and got a refund from the merchant and was told by time that it would be received between the second and the fourth. I never received the refund and when I called XXXX, they told me that I had already received the refund on the first, which wasnt true then I called back and talked to a supervisor and the supervisor told me I had received a refund on the XXXX which isnt even possible because the payment was made on the XXXX and they refused to give me my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: TX

Complaint narrative:
My recent examination of my credit report resulted in XXXX XXXX  since I discovered unverifiable, invalidated, doubtful, and erroneous items that your agency hadn't made sure were accurately reported. I am aware that credit reporting companies are only permitted to report items with a maximum accuracy of 100 %. These accounts are in violation of 15 U.S. Code 1681e ( b ) and 1681i ( 5 ) because they are not reporting information that is entirely truthful. Let me also remind you of your duties as a data furnisher, which are as follows : ( a ) Duty of information furnishers to give accurate information ( 1 ) Prohibition ( A ) Reporting information with real knowledge of mistakes If a person knows or has reason to believe that providing consumer information to a consumer reporting agency would result in

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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:
My recent examination of my credit report resulted in XXXX XXXX  since I discovered unverifiable, invalidated, doubtful, and erroneous items that your agency hadn't made sure were accurately reported. I am aware that credit reporting companies are only permitted to report items with a maximum accuracy of 100 %. These accounts are in violation of 15 U.S. Code 1681e ( b ) and 1681i ( 5 ) because they are not reporting information that is entirely truthful. Let me also remind you of your duties as a data furnisher, which are as follows : ( a ) Duty of information furnishers to give accurate information ( 1 ) Prohibition ( A ) Reporting information with real knowledge of mistakes If a person knows or has reason to believe that providing consumer information to a consumer reporting agency would result in

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 2025-05-10 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: TX

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem 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 non-monetary relief
Consumer complaint received 2025-05-09 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: IL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} INQUIRIES : XXXX XXXX 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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 2025-05-09 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: FL

Complaint narrative:
I WAS REVIEWING MY CREDIT REPORT AND NOTICED FRAUDULENT ACCOUNT THAT HINDER MY ABILITY TO OBTAIN CREDIT AND THIS GOES AGAINST THE JUST LAW OF CREDIT. PLEASE I NEED YOU TO LOOK INTO THIS

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 2025-05-09 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: MA

Complaint narrative:
I am filing a formal complaint regarding multiple unauthorized hard inquiries reported on my credit reports with Experian, Equifax, and TransUnion. 

I did not apply for credit, authorize, or grant permission for any of these companies to access my credit reports. No permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, exists for these inquiries. I have not provided written, verbal, or electronic consent to any of these companies to obtain my credit report. 

These unauthorized inquiries are adversely affecting my creditworthiness and violate my rights under the FCRA. I have contacted the credit bureaus and the companies listed below to dispute these inquiries and request their removal. To date, no resolution has been provided. 

Below are the details of the unauthorized inquiries : Experian Inquiries : Inquiry Date : XX/XX/XXXX | Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX | Creditor Name : XXXX XXXX Date : XX/XX/XXXX | Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX | Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX | Creditor Name : XXXX XXXX Date : XX/XX/XXXX | Creditor Name : XXXX XXXX Date : XX/XX/XXXX | Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX | Creditor Name : XXXX XXXX TransUnion Inquiries : Inquiry Date XXXX XX/XX/XXXX | Creditor Name : XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX | Creditor Name : XXXX Inquiry Date : XX/XX/XXXX | Creditor Name : XXXX Inquiry Date : XX/XX/XXXX | Creditor Name : XXXX XXXX XXXX Equifax Inquiries : Inquiry XXXX : XX/XX/XXXX | Creditor Name : XXXX Inquiry Date : XX/XX/XXXX | Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX | Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX | Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX | Creditor Name : XXXX XXXX XXXX XXXX I am requesting immediate deletion of all unauthorized inquiries listed above from my Experian, Equifax, and TransUnion credit reports, in accordance with the FCRA. These inquiries were made without my authorization or permissible purpose, and I am exercising my rights under the law to dispute and have them removed.

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