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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I disputed the following student loans on Equifax to be deleted. Reason " borrower defense to loan repayment '' by XXXX XXXX : Loan 1 Date Opened High Credit XX/XX/XXXX {$4000.00} Balance Amount {$4300.00} Status - Pays As Agreed ; Type of Account - Installment ; XXXX XXXX XXXX XXXX Education Loan ; Whose Account - Individual Account ; ADDITIONAL INFORMATION - Student Loan - Payment Deferred; Variable/Adjustable Rate ; XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX Loan 2 Date Opened High Credit XX/XX/XXXX {$1700.00} Balance Amount {$420.00} Status - Pays As Agreed ; Type of Account - Installment ; Type of Loan - Education Loan ; Whose Account - Individual Account ; ADDITIONAL INFORMATION - Student Loan - Payment Deferred; Variable/Adjustable Rate ; XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX  Loan XXXX Date Opened High Credit XX/XX/XXXX {$2600.00} Balance Amount {$1300.00} Status - Pays As Agreed ; Type of Account - Installment ; Type of Loan - Education Loan ; Whose Account - Individual Account ; ADDITIONAL INFORMATION - Student Loan - Payment Deferred; Variable/Adjustable Rate ; XX/XX/XXXX XX/XX/XXXX XXXX XXXX  Loan XXXX Date Opened High Credit XX/XX/XXXX {$2600.00} Balance Amount {$2300.00} Status - Pays As Agreed ; Type of Account - Installment ; Type of Loan - Education Loan ; Whose Account - Individual Account ; ADDITIONAL INFORMATION - Student Loan - Payment Deferred; Variable/Adjustable Rate ; XX/XX/XXXX The Credit bureaus Trans Union and XXXX  have deleted these accounts off my report already why won't Equifax delete them off my report? I have requested an investigation and Equifax completed the investigation and still left the incorrect information on my credit report. 

The loans by XXXX been forgiven by the Education Department with documentation. 

XX/XX/XXXX my federal loans were previously under review by the Department of Education to determine if they were eligible for borrower defense to loan repayment and were forgiven. 

In conclusion, all XXXX loans are to be deleted from my credit report across all XXXX bureaus. XXXX XXXX XXXX  deleted them without me having to contact the CFPB. This is very frustrating to have contacted the loan company ( XXXX ) and get proof, then contact Equifax, have to go through their very long dispute process and they still dont delete the incorrect information off my credit report. Please help!

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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 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 — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I take my credit seriously, just like anyone else, and the fact that there are still errors on my report is unacceptable. These inaccurate items are in pending litigation because of the way they were carelessly reported. Because they are in a pending litigation, you will not be able to verify what the disputed errors are and therefore these items need to be deleted under 15 U.S. Code 1681i ( a ). They have directly harmed my financial opportunities and taken a real toll on my mental health. My credit report should only reflect accurate information, which is why its important all data is verified. I expect my credit report to reflect only accurate, verified informationnothing less. This needs to be corrected immediately.

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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I deposit a check in the amount of {$670.00} on XX/XX/year> but the receipt said it will be available on Saturday I had a payment to be deducted on Saturday but due to bank of America that held the check until XX/XX/year> with the excused the check was fake. But it wasn't the check came directly from my employer.

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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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: RI

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 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: VA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
A request was made to CFPB requesting that XXXXXXXX XXXX  provide an accurate financial report because after 9 investigation through the credit reporting the Bank was submitting misleading, facts, dates and account balances to each bureau. 

The response from the Executive Office provided previously denied information. That information when compared to the monthly reports XXXX XXXX was submitting to the bureau was significantly different. In both instances, XXXX XXXX  has positioned themselves as being without error. The review of the documents, all created and directly submitted to the 3 credit bureaus left unanswered questions of the financials, a willful intent to mislead investigators who are by law charged to conduct a reasonable investigation. The results however, has caused TransUnion and Experian to render results that are now proven to have compromised the integrity of the investigation based upon the conflicting information provided to the bureaus and the CFPB.

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: TX

Complaint narrative:
This record of late payment is erroneous and does not reflect my actual payment history. I have been consistent in making payments on time, and I am requesting an update to ensure my records are accurate.

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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 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: HI

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 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: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I was told by an employee at Title Max on XX/XX/year> that i would be able to get a Personal Loan on XX/XX/year> and just bring a copy of my bank statement on Friday. I was also told i could have multiple loans with the company. On the Friday XX/XX/year> i was denied a Personal loan by Title Max with them even without asking me what amount am i requesting. They just illegally said no to my application. This is illegal and discriminatory to me. I have filed a complaint with the State and Federal agencies regarding this illegal activity at Title Max.They denied my application with telling me why and this is Illegal.

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: NJ

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( 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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I take my credit seriously, just like anyone else, and the fact that there are still errors on my report is unacceptable. These inaccurate items are in pending litigation because of the way they were carelessly reported. Because they are in a pending litigation, you will not be able to verify what the disputed errors are and therefore these items need to be deleted under 15 U.S. Code 1681i ( a ). They have directly harmed my financial opportunities and taken a real toll on my mental health. My credit report should only reflect accurate information, which is why its important all data is verified. I expect my credit report to reflect only accurate, verified informationnothing less. This needs to be corrected 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 2025-05-09 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: 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 2025-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Halsted Financial Services, LLC.
State: OH

Complaint narrative:
Halsted Financial Services XXXXXXXX XXXX Subject : Request for Debt Validation XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) To Whom It May Concern, I am responding to you regarding a debt you claim I owe ( I have no knowledge of this debt ) in connection with a XXXXXXXX XXXX XXXX XXXX XXXX account, for which XXXX XXXX XXXX is listed as the current creditor. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide written validation of this debt, including : XXXX. The amount of the alleged debt ; XXXX. The name of the original creditor ; XXXX. A detailed accounting of the debt, including any interest or fees ; XXXX. Proof that you are legally authorized to collect this debt ; XXXX. Documentation bearing my signature or account records to substantiate the claim. 
Please cease all collection activities until this validation is provided. Additionally, do not contact me via text or phone ; all communications must be in writing. 
This letter is sent for the purpose of exercising my consumer rights and should not be construed as an acknowledgment of any debt

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: TX

Complaint narrative:
On or around XX/XX/year>, I attempted to utilize my personal credit in order to pursue a legitimate financial goal, such as applying for a loan, credit card, or financing option. During this process, I obtained a copy of my credit report to review my current credit standing. Upon reviewing my report, I was alarmed to discover several accounts and inquiries that I did not recognize, authorize, or initiate. The following discrepancies were immediately identified : Multiple credit inquiries from institutions I have never done business with. 
Several open accounts listed under my name that I did not apply for. 
Outstanding balances and delinquent payments associated with these unauthorized accounts. 
Contact information and/or addresses listed on my credit file that do not belong to 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 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: TX

Complaint narrative:
On or around XX/XX/year>, I attempted to utilize my personal credit in order to pursue a legitimate financial goal, such as applying for a loan, credit card, or financing option. During this process, I obtained a copy of my credit report to review my current credit standing. Upon reviewing my report, I was alarmed to discover several accounts and inquiries that I did not recognize, authorize, or initiate. The following discrepancies were immediately identified : Multiple credit inquiries from institutions I have never done business with. 
Several open accounts listed under my name that I did not apply for. 
Outstanding balances and delinquent payments associated with these unauthorized accounts. 
Contact information and/or addresses listed on my credit file that do not belong to 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 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: DC

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 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 — Account status incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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: TX

Complaint narrative:
There is an account on my credit report that is not mine and belongs to someone else.

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