vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: MoneyLion Inc.
State: MI

Complaint narrative:
I have a loan with MoneyLion that I am currently unable to pay due to being in the XXXX  5 times so far this year. I did a text chat and recinded my permission for them to take payments automatically from my account. Since that time they have tried to take a payment from my overdrawn account resulting in XXXX in overdrawn charges. I intend on paying this company but will never be able to as long as they keep doing this.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-25 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: OK

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-25 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: OK

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-25 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 recently reviewed my credit report and noticed I had fraudulent accounts on my report. Please remove this account from my credit report, they are affecting my credit. 

Company- XXXX  Date- XX/XX/year> account number-XXXX Balance- {$79.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: CA

Complaint narrative:
I am writing to follow up on my previous correspondence regarding several negative accounts appearing on my credit report due to identity theft, as detailed in my last letter. 

In my initial statement, I outlined the unauthorized transactions and accounts that have been fraudulently opened in my name, which have severely impacted my credit standing. I kindly requested the removal, blocking, or updating of these inaccurate entries, as well as a prompt response regarding the dispute 's timeline and process. 

Please provide an update on the current status of my case and confirm the steps that have been or will be taken to resolve this matter. If there is any additional information or documentation required, please let me know, as I am committed to assisting with the verification and correction process to ensure an accurate reflection of my credit report. 

I appreciate your time and consideration in addressing this issue. I look forward to your response and a timely resolution to restore the integrity of my credit record. 

Thank you once again for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: CA

Complaint narrative:
This company XXXX  XXXX XXXX for company XXXX This is a fraud a account I never had in I want it removed off my credit report plus it's not in my name so the company need to clear this account

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 2025-04-25 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: CA

Complaint narrative:
This company XXXX  XXXX XXXX for company XXXX This is a fraud a account I never had in I want it removed off my credit report plus it's not in my name so the company need to clear this account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 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 2025-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ARVEST BANK GROUP, INC.
State: OK

Complaint narrative:
Customers do not have access to online or mobile banking and the bank stated that nightly processing is down. Several customers do not have access to their money. The bank notified the public on XXXX on XXXX/2025. 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 2025-04-25 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: GA

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 non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
A bankruptcy has shown on my credit report for years. I have been battling to have it removed as it is inaccurate information. I have not had the money to take it to court, but I do now and will take it to court if it is not resolved and a settlement is not made. 

XXXX has stated they can not verify this public record, and I have submitted proof to Experian multiple times as they are saying that is who verified the public record. 

I received a pin sensitive report form XXXX on XX/XX/year> and there is no public record showing.

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 2025-04-25 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: LA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me XXXX. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: Halsted Financial Services, LLC.
State: CA

Complaint narrative:
I receive a ton of text messages from Halsted Financial claiming to collect on a debt for XXXX XXXX XXXX I have been receiving a text that states they will forward the debt back to the original creditor for review to see if it meets their criteria for referral to a law firm in my state. Contac Halsted Financial, a debt collector, while there is still time to work with them. 
visit XXXX XXXX XXXXXXXX or call XXXX California license number : XXXX this account is not listed on my credit report, and I do not have any business with Halsted, but they keep sending me text messages and emails and phone calls all day and night. I had at one point as them to verify that I have a specific debt with their company and to provide to me the signed agreement. The original agency has forfeited the 1. I've asked for the original signed contract of the debt to their company. Otherwise, I have no business with this company. XXXX XXXX XXXX is also not listed on my credit report. 

I am not sure why this company will not stop contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: NJ

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX XXXXATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sentry Recovery and Collections, Inc.
State: NV

Complaint narrative:
Sentry recovery I move out the Apartments XX/XX/XXXX .I didn't not pay rent for XXXX and half of XXXX but XXXX XXXX paid the recovery balance for me and this company saying I owe a debt to this apartments and I don't I have proof to show

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 2025-04-25 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: CA

Complaint narrative:
Experian lowered my credit score fromXXXX XXXX.to XXXX because I used my credit cards. I never have had my credit score lowered so much because I used my credit cards. I have a XXXX ballance on all my credit cards. Experian also claims I owe too much on my car loan. I had my car appraised and owe less than the appraisal amount. I believe an error has been made on my Experian credit score and Experian seems not to be able to help correct the error on my credit score. I have never had my Experian Credit score go sown because I used my credit cards.

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 2025-04-25 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: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I am disputing inaccurate and unverifiable information that is appearing on my consumer credit report. Under my rights pursuant to the Fair Credit Reporting Ace ( 15 U.S.C 1681 ), I requested that the information be verified. The companies failed to provide proper validation or documentation proving the accuracy and completeness of the account. As a result, the continued reporting of this information is a violation of federal law. 

I have attempted to resolve this matter directly with the reporting company without success. I am requesting that the Consumer Financial Protection Bureau assist in enforcing my rights to a fair and accurate credit report by requiring the companies to either verify the information with documented proof or remove it from my credit report entirely. 

Thank you for your attention to this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: MN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-25 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: FL

Complaint narrative:
i am file a complaint because my creditor is reporting late payments on my account ending in XXXX that are inaccurate and not properly verified i have dispute this with the credit bureaus and the furniture but the late payments remain without proper validation or documentation under 15 usc 1681 s2 a Furnitures must report accurate information under 15 usc 1681 i the credit bureaus must perform a reasonable investigation within 30 days neither have provided sufficient evidence to support the negative reporting XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: IL

Complaint narrative:
The Fair Credit Reporting Act Section 609 requires TRANSUNION produce physical verifiable proof of the negative events listed and asterisked below. TRANSUNION is held accountable for the negative information put on [ XXXX XXXX XXXX ] credit report.

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 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-04-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: NV

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to file a formal complaint regarding my student loans, as I am currently coming out of forbearance and have noticed some troubling discrepancies with my loan balances and interest rates. 

Over the years, my loans have been sold several times, which I understand may contribute to some of the confusion surrounding my account. However, I am concerned about the substantial increases in interest rates that I have seen on some of my loans. When I originally took out the loans, the interest rates were set at a standard percentage. However, it appears that these rates have significantly increased, which I believe is unfair and potentially in violation of the original terms of my loan agreements. 

Given the financial strain I have faced in trying to keep up with payments, especially during and after forbearance, it is disheartening to see the interest rates skyrocketing and my balances growing despite my efforts to make payments. I find this situation to be unfair, and I believe that my loans should be handled in accordance with the terms originally agreed upon, without unjustified increases in interest. 

I respectfully request that the CFPB investigate my loans and help ensure that my balances and interest rates are accurate. I am also seeking guidance on what steps I can take to resolve this matter with my loan servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: PA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: CA

Complaint narrative:
Hello! I found three unauthorized fraudulent inquiries on my credit profile.Please help me to remove those unauthorized inquiries from my credit report. 
XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief