vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-21 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: CA

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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 requested companies to remove fraudilent inquries from my credit report that i attched to my FTC report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Jim Bottin Enterprises, Inc
State: AZ

Complaint narrative:
I have gone to this gym as a guest since XXXX. I never had my own membership as I have XXXX to XXXX a different chain of gyms since XXXX. I go to XXXX with my significant other as a VIP guest on her membership since XXXX. XXXX could not assist me in finding my account that was billing me when I showed them my agreement Number that i had access to, also shows mountainside on the same account! Occasionally when I would go in, a new member would mention the debt which they said they had resolved with their manager. I just got a voicemail saying I had a debt for {$190.00} for this gym. I called in for details the the XXXX location which they claim this has been submitted since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I was the co-signer of a personal loan with my ex-partner. My ex-partner ended up filing bankruptcy, so the loan inevitably fell to me. I had contacted the company around 100 times trying to figure out how to get a hardship because of medical bills. Every time I called the representatives told me that I should not pay the bill until the bankruptcy is complete and my ex-partner is taken off the account. I kept on calling back, requesting call backs, to no avail. Eventually, after following the advice of the many representatives to not pay the loan, my credit was hit a negative remark. I have asked this company time and time again to take that off, which they will not do. This is predatory and I would like help in having them take this off my credit report since it was their company who told me to not make payments because of the bankruptcy proceedings, which had nothing to do with me. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
On XX/XX/scrub>/2024, Apple CardGS Bank placed a hard inquiry on my XXXX credit report. Prior to applying, I was explicitly informed by an Apple Store associate that only a soft inquiry would occur. I did not consent to a hard inquiry and was misled by this misrepresentation. I am requesting that this inquiry be removed. 

I have also contacted Apple CardGS Bank directly and submitted a dispute with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: AL

Complaint narrative:
I am filing this complaint against MOHELA and the XXXXXXXX XXXX XXXX XXXX regarding the mishandling of my Public Service Loan Forgiveness ( PSLF ) application despite satisfying all program requirements. I have been employed XXXX XXXX XXXX XXXX XXXX XXXX XXXX and have made 120+ qualifying payments under a PSLF-eligible repayment plan . I have submitted all required Employment Certification Forms ( ECFs ) and have received confirmation that my payments should count toward PSLF. They have failed to update my payment count since XXXX of XXXX. I have now paid over by several XXXXXXXX XXXX due to them not updating payment counts. I am requesting the payment counts be updated which would cancel my loans and also that they refund me any and all over payments immediately. I have request forbearance while this is sorted out and they have denied me. I can not and should not be required to continue these payments as this is the law since XXXX enacted by congress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: PA

Complaint narrative:
I Am writing to delete the following information in my file. The items I need deleted are listed in the report. I Am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission Affidavit. Please Delete these items as soon as Immediately I noticed this problem in XX/XX/scrub> 2025 2025

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 2025-03-21 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: PA

Complaint narrative:
I Am writing to delete the following information in my file. The items I need deleted are listed in the report. I Am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission Affidavit. Please Delete these items as soon as Immediately I noticed this problem in XX/XX/scrub> 2025 2025

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: PA

Complaint narrative:
I Am writing to delete the following information in my file. The items I need deleted are listed in the report. I Am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission Affidavit. Please Delete these items as soon as Immediately I noticed this problem in XX/XX/scrub> 2025 2025

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 2025-03-21 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials andXX/XX/XXXX that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
In late XX/XX/year>2024, I entered into a settlement agreement with Chase to resolve an {$11000.00} credit card balance for a total of {$4400.00}, with two payments of {$2200.00} scheduled for XX/XX/XXXX and XXXX XXXX, 2024. On XX/XX/XXXX, the first payment did not go through, but I was never notified of this failure. On XX/XX/XXXX, despite the agreement supposedly being canceled, the company still pulled the second payment of {$2200.00}. 

If the agreement was no longer valid, why did they take my money? This appears to be a predatory collection practice taking a payment under a canceled agreement while refusing to honor the original terms. 

The company now claims my {$2200.00} payment was applied to the full balance instead of the settlement, and they are demanding an additional {$5000.00}, effectively ignoring the agreement and attempting to collect nearly {$3000.00} more than originally agreed. They claim to have sent notifications to an address I had not lived at for over a year, even though I had updated my address with them. When I requested written confirmation of the settlement agreement, they refused, stating it was only verbal. 

Despite financial hardship, I acted in good faith by entering a settlement agreement and making payments as agreed. However, Chase failed to properly apply my payments, misrepresented the terms, and is now attempting to collect more than was originally agreed. 

I am requesting that my original {$4400.00} settlement agreement be reinstated, my {$2200.00} payment be properly applied to that agreement, all collection attempts for any additional amount cease, and any negative credit reporting be removed or corrected. I am requesting immediate CFPB investigation into these deceptive collection tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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:
XXXX and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: IA

Complaint narrative:
My Experian credit report contains serious reporting errors that should have never been included. This level of negligence is unacceptable and raises major concerns about the reliability of your verification process. These inaccuracies are actively damaging my credit profile, and I will not allow them to go unchallenged. 

The following disputed accounts need immediate correction : Inaccurate Charge Off Reporting ( Experian ) XXXXXXXX XXXX  - Account # : XXXX - Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX Account # : XXXX - Balance : {$0.00} XXXX XXXX XXXX XXXX Account # : XXXX - Balance : {$390.00} Incorrect Personal Information ( Experian ) Name : XXXX XXXX As a consumer, I am legally entitled to a credit report free from false or unverifiable information. The FCRA mandates that all reported data must be 100 % accurate and provable. If these errors can not be supported by concrete documentation, they must be removed immediately. I demand a thorough reinvestigation and immediate resolutiondelays will not be tolerated.

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 2025-03-21 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: NJ

Complaint narrative:
This is the law you use! Send this to Transunion 15 U.S. Code 1681i - Procedure in case of disputed accuracy a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. 

5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation

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 2025-03-21 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: NJ

Complaint narrative:
This is the law you use! Send this to Transunion 15 U.S. Code 1681i - Procedure in case of disputed accuracy a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. 

5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: SC

Complaint narrative:
Please take action to remove the unauthorized accounts from my credit report as soon as possible. I did not initiate or authorize them and do not recognize their origins. As per USC 1681g, I am requesting their removal within 15 days. The necessary documents are attached for review. Furthermore, there are discrepancies in the account details, as different information is being reported to each bureau.

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 2025-03-21 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have been using experian since XXXX and my credit score hasnt changed it may go up a lil but then its back down due to disputes that they have not investigated properly. I disputed a XXXX XXXX bill off my account and they let the company denie it without further investigation. The company illegally sold my information to another company which give them a hold over my credit history without my consent. I have disputed this twice and nothing has changed and its now XXXX and I still have the same bill on my credit report as of today but under a new name. Which causes an underlying issue for me within experian. I would like further investigation and resolve of this problem which has mad it hard for me to better my credit, get any credit loan or anything. I have considered suing this company for causing hardship over my life, And for not properly disclosing my information and disputing issues reported and properly having them removed. As of today this company has a hold over my credit and my life which make me very uncomfortable as a user of this company for so many years.

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 2025-03-21 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: LA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. The information in question is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter 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