vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-29 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: Kikoff 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-03-29 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: BMW Financial Services NA, LLC
State: GA

Complaint narrative:
DID NOT GIVE PERMISSION TO REPORT THIS. TO MY REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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 reviewed my credit report and discovered several fraudulent accounts and inquiries that do not belong to me, which I believe resulted from the Equifax data breach. These unauthorized accounts and inquiries have negatively impacted my credit score. Under the Fair Credit Reporting Act ( FCRA ), Equifax is required to ensure the accuracy of reported information, yet they have not fulfilled this obligation. I have contacted the creditors involved, and they confirmed these accounts were fraudulently opened. Additionally, I am submitting identity theft reports, including an FTC report, to support my claim. I request immediate action to remove these fraudulent accounts and correct my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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 have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed. 
XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX {$1400.00} XXXX XXXX Date Opened : XX/XX/XXXX {$4200.00}

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 non-monetary relief
Consumer complaint received 2025-03-29 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Sent to experian XXXX and XXXX dispute letters about my child support been paid off and sent the letter stating that and still on my report hurting my credit even with proof that I not longer owns money and its been paid off I dispute this several times and including today and experian inmediately send results verifiable and updated same day in a couple of minutes they dont even check anything they arent doing their job I want my account to be removed from all three credit reports

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 2025-03-29 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: FL

Complaint narrative:
I am asking you to please review your data on file for me and ensure that it is accurate and up to date. I am relying on you to comply with the Fair Credit Reporting Act ( FCRA ) and Metro 2 standards to ensure that all information in my credit report is correct. If you find any inaccuracies or deficiencies in the reporting, please correct them immediately. Thank you for your cooperation in this matter.

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 2025-03-29 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: IN

Complaint narrative:
I logged into my account and my account was showing my original balance instead of applying any of my payments. I never received any communication in this change of balance. Im supposed to be in forbearance and no interest should be accruing. If none of my payments are applied to my balance I need my money back that Ive applied to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: Consumer Portfolio Services, Inc.
State: TX

Complaint narrative:
I am submitting a formal complaint regarding unauthorized and disputed credit inquiries on my XXXX credit report that have not been removed despite multiple disputes. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., grants consumers the right to dispute inaccurate information and mandates that credit reporting agencies conduct a reasonable investigation. XXXX has failed to fulfill this obligation by refusing to remove inquiries that have been verified by the companies as non-reporting. 

Disputed Credit Inquiries : The following inquiries remain on my report despite multiple dispute attempts : Consumer Portfolio Services XX/XX/XXXX XXXX XXXX Bank XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX of XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  via XXXX of XXXX XX/XX/XXXX I have contacted these companies directly, and they have confirmed that no accounts exist, and they are not reporting to third parties. However, XXXX continues to report these inquiries, violating my consumer rights under federal law. 

Regulatory Violations : Failure to Conduct a Reasonable Investigation ( FCRA 611, 15 U.S.C. 1681i ) Under FCRA 611, when a consumer disputes an item, credit reporting agencies ( CRAs ) must conduct a reasonable investigation and delete inaccurate, incomplete, or unverifiable information within 30 days. 

XXXX has failed to conduct a reasonable investigation, as the reporting companies have confirmed they are not responsible for these inquiries.

Reporting Inaccurate Information ( FCRA 623, 15 U.S.C. 1681s-2 ) This section prohibits the reporting of inaccurate or unverifiable information by furnishers and mandates correction upon dispute.

The companies listed above have confirmed that they did not authorize or report these inquiries, yet XXXX continues to publish false information.

Unfair and Deceptive Practices ( Consumer Financial Protection Act, 12 U.S.C. 5531 & 5536 ) XXXX refusal to remove disputed inquiries constitutes an unfair, deceptive, or abusive act or practice ( UDAAP ) under the Consumer Financial Protection Act ( CFPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: SLM CORPORATION
State: TX

Complaint narrative:
I am submitting a formal complaint regarding unauthorized and disputed credit inquiries on my XXXX credit report that have not been removed despite multiple disputes. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., grants consumers the right to dispute inaccurate information and mandates that credit reporting agencies conduct a reasonable investigation. XXXX has failed to fulfill this obligation by refusing to remove inquiries that have been verified by the companies as non-reporting. 

Disputed Credit Inquiries : The following inquiries remain on my report despite multiple dispute attempts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX I have contacted these companies directly, and they have confirmed that no accounts exist, and they are not reporting to third parties. However, XXXX continues to report these inquiries, violating my consumer rights under federal law. 

Regulatory Violations : Failure to Conduct a Reasonable Investigation ( FCRA 611, 15 U.S.C. 1681i ) Under FCRA 611, when a consumer disputes an item, credit reporting agencies ( CRAs ) must conduct a reasonable investigation and delete inaccurate, incomplete, or unverifiable information within 30 days. 

XXXX has failed to conduct a reasonable investigation, as the reporting companies have confirmed they are not responsible for these inquiries. 

XXXXeporting Inaccurate Information ( FCRA 623, 15 U.S.C. 1681s-2 ) This section prohibits the reporting of inaccurate or unverifiable information by furnishers and mandates correction upon dispute.

The companies listed above have confirmed that they did not authorize or report these inquiries, yet XXXX continues to publish false information. 

Unfair and Deceptive Practices ( Consumer Financial Protection Act, 12 U.S.C. 5531 & 5536 ) XXXX refusal to remove disputed inquiries constitutes an unfair, deceptive, or abusive act or practice ( UDAAP ) under the Consumer Financial Protection Act ( CFPA ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: NC

Complaint narrative:
Please see attached documents. Do not close this complaint stating it is not me. I am a natural person and a consumer.

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 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-03-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Fees charged
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AL

Complaint narrative:
Carrington said they filed for foreclosure but never sent me anything or anything from lawyer. When I try to pay my delinquent statement amount they tell me I'm in foreclosure. They trying to charge me over {$1800.00} for a foreclosure I believe they never even submitted. They are mad because I found out they fraudulently switched my mortgage from a va to conventional. I'm still receiving statement that says I'm not in foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: WA

Complaint narrative:
RE : Request for correction under FCRA and XXXX XXXX Removal of inconsistent late payment Account : XXXX XXXX XXXX Last XXXX digits : XXXX I am writing to request the removal of the reported late payment associated with the above- mentioned account, which I recognize as legitimate and active. However, I have identified discrepancies and reporting errors that must be corrected in accordance with the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX technical standard. 
According to my credit reports : - XXXX and XXXX report a XXXX late payment for XX/XX/year>. 
- Experian does not reflect any delinquency for that same month. 
- The past due amount also varies : {$44.00} reported by XXXX and XXXX, and {$0.00} by Experian.

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 2025-03-29 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: WA

Complaint narrative:
RE : Request for correction under FCRA and XXXX XXXX Removal of inconsistent late payment Account : XXXX XXXX XXXX Last XXXX digits : XXXX I am writing to request the removal of the reported late payment associated with the above- mentioned account, which I recognize as legitimate and active. However, I have identified discrepancies and reporting errors that must be corrected in accordance with the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX technical standard. 
According to my credit reports : - XXXX and XXXX report a XXXX late payment for XX/XX/year>. 
- Experian does not reflect any delinquency for that same month. 
- The past due amount also varies : {$44.00} reported by XXXX and XXXX, and {$0.00} by Experian.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: OH

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 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 2025-03-29 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: NC

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that I have fraudulent accounts on my report, they are hurting my ability to obtain credit.

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 2025-03-29 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I called the company but I was told that they could not give me the information because I did not have the credit card number. They then asked for my ssn and I refused because I looked up the bank and could not find info on them so they ask that I call the credit beaureu and report it since I did not feel comfortable giving them my ssn. They then proceeded to tell me it might have been itentity theft and i should report it. I then reported it to experian and I was told that they gon na dispute it and that I should report it!

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 2025-03-29 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: FIRST PORTFOLIO SERVICING INC
State: CA

Complaint narrative:
Requested information about account that is not my account and I would like to have a copy of the signing contract company denied request and after cease and desist letter still receiving collection calls and letters with saying the police has a file in their office for my arrest

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: Sensible Auto Lending, LLC
State: MN

Complaint narrative:
During the months of XXXX and XXXX, I visited two dealerships with the intention of buying a car. They collected my information, and both confirmed that I was eligible to purchase a vehicle. However, after some thought, I decided not to buy from either dealership. Eventually, I traded in my car and added a small amount of money to get a new vehicle. 

To my surprise, I now see four inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: Mid-Atlantic Finance Co., Inc.
State: MN

Complaint narrative:
During the months of XXXX and XXXX, I visited two dealerships with the intention of buying a car. They collected my information, and both confirmed that I was eligible to purchase a vehicle. However, after some thought, I decided not to buy from either dealership. Eventually, I traded in my car and added a small amount of money to get a new vehicle.

To my surprise, I now see four inquiries on my credit report.

Company response to consumer: Closed with explanation