vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-06 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:
This late payment entry was reported in error during a system transition by the creditor. My payment was made and confirmed, and the negative impact to my credit is unjust. I request immediate correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I noticed a credit inquiry from a company that Ive never interacted with and certainly did not give permission to access my credit report. I have no relationship with this company and did not authorize this inquiry in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX company is reporting on my Experian credit report under account number XXXX, in the amount of {$4400.00}, a I categorically deny ever entering into any contract, financial obligation, or business relationship with the agency Pursuant to the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), I hereby request : 1. Full validation of this alleged debt, including : - A copy of the original signed contract - Detailed billing statements - Full chain of title proving ownership of the debt 2. Immediate cessation of all credit reporting activity related to this account during the validation process.

3. Permanent deletion of this account from all credit reporting agencies if you can not provide adequate proof of debt ownership and validity within 30 days of receiving this notice.

Also asked experian to remove this account from my credit 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 2025-06-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: ID

Complaint narrative:
My loans were XXXX discharged through Mohela in XX/XX/XXXX. My name was XXXX XXXX at the time. Since I had no timeline of when I would receive my refund, I was not checking my Mohela account very regularly. I married on XX/XX/XXXX, and changed my last name to XXXX with social security the week after. Then on XX/XX/XXXX, Mohela posted on my account that they finally sent a refund. The refund was also 1/4 of what it was supposedly to be as of last XXXX. It would have been under my prior last name of XXXX, and I have spoken to Mohela numerous times trying to figure out if my last name change would be an issue. Mohela always just tells me that it " shouldn't '' be an issue, but that they do not have access to anything. I've now spoken to 5 " supervisors '' at Mohela who insist the system shows a check was sent to the Treasury department on XX/XX/XXXX to be sent to XXXX XXXX. I spoke to the Dept of Fiscal Service at the Treasury again this morning ( XX/XX/XXXX ), and the rep stated there was nothing in that amount from Mohela attached to my social security number. I spoke to my 5th supervisor at Mohela after that who said it would be 90 business days before they would look into me not receiving the refund. That would be a year from when my loans were discharged. She said there was no one above her to talk to and that she had provided me all the information. I finally hung up. I had filed a complaint through the US Dept of Ed on XX/XX/XXXX, ( see Feedback Case # XXXX ). I spoke to the US Dept of Ed ombudsman yesterday, and they indicated the case had been sent back to Mohela for investigation. Which obviously is never going to happen. I called the US Dept of Ed ombudsman again today who stated it was all up to the servicer and all I could do was file the complaint, which I had already done. It should not take up to a year to receive the refund. I'm also contacting my state attorney general and possibly pursuing legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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:
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 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 2025-06-06 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:
I am writing to file a formal complaint regarding an account that has been improperly reported by EXPERIAN on my credit report without providing me the option to dispute the debt, as is my right under the Fair Credit Reporting Act ( FCRA ), specifically under 12 CFR 1006.34 ( d ) ( 3 ). Despite this requirement, Experian proceeded to place the following account : ACCOUNT NAME : XXXX XXXX XXXXXXXX XXXX ACCOUNT NUMBER : XXXX on my consumer report. This omission denies me the opportunity to verify the accuracy of the debt claimed. 

I have not been afforded the opportunity to dispute this account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debt. 

Experian has resorted to false, misleading, and deceptive means in their reporting efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. 

Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfill their obligations under 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ), Experian is flagrantly disregarding consumer protection statutes. 

I did not receive any notice from : ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX providing me the opportunity to dispute the validity of this debt within XXXX  days, as required by law. 

Additionally, I have submitted supporting documents proving that my information was compromised in the Equifax breach and that I am a victim of identity theft. This has caused significant harm to my credit score and resulted in undue financial and emotional stress. 

I kindly request that the CFPB investigate this matter, as I believe this account was reported without following the proper legal procedures. I also request that Experian remove this account from my credit report and cease all collection efforts 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 2025-06-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SECURITY FINANCE CORP
State: TX

Complaint narrative:
I have a loan with Security Finance in XXXX XXXX that I just renewed after paying off my previous loan with them. I spoke with XXXX on XX/XX/XXXX and told her that i would be making the payment on XX/XX/XXXX so she documented it down. I received no phone calls from them during this time between XXXX XXXX XXXX because XXXX had put my payment extension in the system. On XX/XX/XXXX at XXXX while I was working XXXX XXXX me, but I was unable to answer it because I was working. I normally call them back if I'm working as soon as I can. At XXXX I was able to look at my phone and see the XXXX missed call so I was about to return the call to Security Finance back like I usually do. Before I could call them back I received XXXX phone calls from references saying that Security finance called them and told them that I need to call them & pay them. Security finance didn't give me a chance to call them back before calling my references and providing my personal info. I felt it was very unprofessional because every time I tell them that I will pay them I do and I was working i wasn't even allowed XXXX minutes to call them back. I called them and asked them how come they didn't give me a chance to call them to make my payment before calling everyone because it wasn't even lunch time yet and I have work as well and they showed no remorse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF MY CREDIT 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 2025-06-06 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: NY

Complaint narrative:
I am filing this complaint because credit bureau has failed to remove multiple unauthorized credit inquiries from my credit report, even after I submitted documentation proving that my personal information was compromised in a data breach. These inquiries were not authorized by me, and I have taken the appropriate steps to dispute them with the credit bureau under my rights granted by the Fair Credit Reporting Act ( FCRA ), including providing a breach letter and identifying the inquiries in question. 
Credit bureau responded to my disputes by stating the inquiries were " verified, '' but they failed to provide any documentation or explanation on how they verified my authorization. This violates 15 U.S. Code 1681i ( a ) ( 6 ), which requires the credit bureau to provide the method of verification when requested.

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 2025-06-06 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:
These accounts were not opened by me and appear to be fraudulent. I urge you to conduct a detailed review and remove them from my credit report. Relevant supporting documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: OneMain Finance Corporation
State: GA

Complaint narrative:
I received an automated text message for Foursight Capital stating my application for Car Loan was denied which Ive never completed or even heard of this company dated for XX/XX/year>. Looked at my Credit Report and realized they sent a hard inquiry to my Credit. I tried to submit a dispute with the credit bureau but because it was a hard inquiry was unable to and suggested to reach out to the company directly. I contacted the company on XX/XX/year> and was told that the application was submitted but only had my social security number but no name and no number. I asked the agent who submitted it. She stated the information came from XXXX XXXX so they assumed I approved the application and I needed to contact them. I told her that I have never dealt with this dealer and talk to them nor authorized them to submit anything on my behalf. She said well you need to contact them because thats why we did it. I stated I dont understand how you can submit anything application without consent of the person and that XXXX XXXX XXXX  was not on my credit report but Foursight Capital is which is fraud. She hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I previously submitted a complaint regarding a {$990.00} XXXX transfer that failed because my Chase account had already been closed.

Chase responded that they issued a check ( # XXXX ) for the amount of {$990.00} on XX/XX/year>, via USPS. However, as of today ( XX/XX/year> ), I have not received the check. 

I went to my local USPS office and confirmed that no mail or check was received. They informed me that mail is often lost or misplaced in my area, so I am concerned that requesting another check would result in the same issue. 

Therefore, I am requesting that Chase cancel the original check and instead send the {$990.00} via ACH/direct deposit to my Bank of America account using the following information : Account Holder Name : XXXX XXXX I need transfer XXXX $ to Bank of America Account Number : XXXX Phone number : XXXX or Please contact me directly so I can provide my bank details securely. 

A fair resolution would be for Chase to cancel the original check ( # XXXX ) and refund the {$990.00} via ACH/direct deposit to my Bank of America account .

The original check was never received, and my local USPS office confirmed that no mail has arrived. Mail delivery in my area is unreliable, and I do not wish to receive another check through USPS.

If Chase is unable to process an ACH refund, I request that they send a new check using a secure delivery service such as XXXX or XXXX, with tracking included to ensure safe delivery.

I believe this is the most secure and reliable method of refunding the money, given that the check has not arrived and mail delivery is unreliable in my area.

I appreciate your help in resolving this matter quickly. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 2025-06-06 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:
Subject : Request for Deletion and Blocking of Accounts Due to Data Breach I was recently the victim of a data breach, resulting in fraudulent accounts on my credit report. Please block and delete the following accounts in compliance with 15 U.S.C. 
1681c-2 ( a ) within XXXX  days : Please delete and block the following accounts from my 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 2025-06-06 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:
Because of a data breach that compromised my personal information, fraudulent accounts have been placed on my credit report. Under Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), please block and delete these 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 XXXX TX XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$260.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$6700.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4500.00} Inquiries XXXX Date : XX/XX/XXXX XXXX  Date : 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 2025-06-06 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: MD

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

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 2025-06-06 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 : XXXXXXXX XXXX XXXXXXXX XXXX XXXX NJ XXXX ACCOUNTS : XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4900.00} XXXXXXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

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 2025-06-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
XXXX months ago I received a bank statement from Goldman Sachs showing I had opened a savings account with them. I did not and this is the second time in the last XXXX months that a major bank accepted an online application opening an account with no deposit. I have my file frozen at XXXX XXXX and all three credit bureaus already so nobody should be able to open an account. Goldman Sachs said they would investigate and IF they found the account was opened fraudulently they would close it. So far they have not closed it and have actually mailed me a second statement with a letter asking me to make a deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
I have requested original copies of the contracts with my signature stating that I owe anything to them. The amounts are {$1800.00}, {$1400.00}, and {$9500.00}. The company only sent copies of billing statements from the original creditors. They have not even sent me any information about garnishing my wages. I want them to stop garnishment of my wages IMMEDIATELY.

Company response to consumer: Closed with explanation