vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 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: AZ

Complaint narrative:
I tried contacting Experian XXXX  over this they refuse to remove the fraudulent inquiries and accounts off of my credit report. And keep making these excuses no matter how much I tell them, its a violation of my rights I already filed an FTC and had submitted it to Experian and tried to remove it but all I get are excuses

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams & Fudge, Inc
State: KS

Complaint narrative:
A debt collector with Williams and Fudge named XXXX XXXX called me and claimed I owed an amount nearly double what I actually owe. He also stated the debt was from a school I have never attended or had any contact with. When I calmly explained this was inaccurate, he became rude and condescending, speaking to me in a very unprofessional manner. After some time, he admitted he had the wrong account pulled up. He continued communicating in a harsh, mean tone and ended up raising his voice loudly and saying Im not done talking when I asked for a phone number or email I could use to contact them. I asked to be transferred to another agent, and then requested to speak with a supervisor. I explained everything to the supervisor, who stated she would listen to the call. I believe this conduct violates my rights under the Fair Debt Collection Practices Act, and Im requesting a formal investigation and response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: FL

Complaint narrative:
XXXX XXXX XXXX has no authority to furnish any account to consumer reporting agencies without providing all necessary disclosures required by law. Their actions clearly violate 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). I have copies of my credit report and any other relevant documents to support my complaint. I request that the CFPB investigate this matter and take appropriate action against XXXX XXXX XXXX for violations of the FDCPA. Thank you for your attention to this matter. 

I believe this information to be inaccurate and potentially fraudulent, as I do not have any contractual relationship with XXXX XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute any information that is incomplete or inaccurate on 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 explanation
Consumer complaint received 2025-05-12 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: FL

Complaint narrative:
LVNV Funding LLC has no authority to furnish any account to consumer reporting agencies without providing all necessary disclosures required by law. Their actions clearly violate XXXX XXXX XXXX ( d ) and XXXX XXXX XXXX XXXX ( XXXX ) ( A ). I have copies of my credit report and any other relevant documents to support my complaint. I request that the CFPB investigate this matter and take appropriate action against LVNV Funding LLC for violations of the FDCPA. Thank you for your attention to this matter. 

I believe this information to be inaccurate and potentially fraudulent, as I do not have any contractual relationship with LVNV FUNDING LLC. Under the Fair Credit Reporting Act ( FCRA ) Section XXXX ( XXXX U.S.C. XXXX ), I have the right to dispute any information that is incomplete or inaccurate on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Nelnet, Inc.
State: CO

Complaint narrative:
These student loans are affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: NV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the XXXX mentioned stated below : Current Address and Name : My full name is : XXXX XXXX My correct date of XXXX My correct Social Security XXXX My correct address XXXXXXXX XXXX XXXX XXXXXXXX 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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( 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 explanation
Consumer complaint received 2025-05-12 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( 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 non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I had XXXX Chase credit cards that were all abruptly closed without any advance notice. These accounts collectively held a substantial amount of earned XXXX XXXX  points. After the closures, I contacted Chase customer service and was told that I could still redeem my points. Relying on that, I waited a few days. When I followed up a week later, I was informed that the points had already expired and there was nothing that could be done. 

Chase provided no written notification about a XXXX redemption window, and their inconsistent guidance misled me into believing I had time to act. These were not promotional points they were earned through legitimate card use. 

I believe Chases actions are unfair and misleading, and they resulted in the forfeiture of valuable rewards that I rightfully earned. I am requesting that Chase either reinstate the points, reopen XXXX of the accounts to allow redemption, or provide compensation equivalent to the lost rewards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am seeking the CFPBs assistance in correcting inaccurate personal information that Equifax reports on my credit file. Specifically, the following addresses do not belong to me and must be removed immediately : XXXX XXXX XXXX, XXXX, NJ XXXX, and XXXX XXXX XXXX, XXXX, NY XXXX. My correct and current address is XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX, as verified by both my government-issued drivers license and a recent utility bill. Additionally, my employer should be updated to the XXXX XXXX XXXX XXXX. Equifax is required under the Fair Credit Reporting Act to ensure the information it reports is accurate, as outlined in 15 U.S.C. 1681e ( b ) ( Maximum Possible Accuracy ), and to correct or delete disputed information under 15 U.S.C. 1681i ( Procedure in Case of Disputed Accuracy ). If Equifax fails to correct these errors, it may be held liable under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance, with potential damages of {$1000.00} or more per violation. I respectfully request the CFPB to take appropriate action to ensure Equifax complies and permanently corrects my file. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXXB ( 15 U.S.C. 1681c-2 ) that you, the ( TRANSUNION ) 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. 
I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent accounts appearing on my consumer FICO TransUnion credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of an auto loan opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. Additionally, there is a loan opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a personal loan opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a credit card opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am disputing the inaccurate closed late payment entry reported by XXXX on XXXX TransUnion, XXXX XXXX XXXX credit reportXXXX, Account XXXX : XXXX * * * *, dated XX/XX/year>, with a balance of {$0.00}. This account has been closed for several years, and the continued reporting of a late payment is both inaccurate and misleading. Given the age of this account, it is likely that this error is the result of outdated or compromised data, potentially caused by a data breach. 

Under XXXX XXXX. XXXX and XXXX XXXX. XXXX XXXX XXXX XXXX, credit reporting agencies are required to ensure that reported late payment information is accurate and up to date. Failing to remove this inaccurate late payment is a clear violation of these requirements, reflecting a serious breakdown in the credit reporting system 's data verification processes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: NY

Complaint narrative:
I applied for a private student loan with XXXX in XX/XX/year> to cover tuition at XXXX XXXX XXXX  XXXX ( now known as XXXX XXXX XXXXXXXX XXXX ) starting in XX/XX/year>. Despite the fact that classes did not begin until XXXX, interest began accruing immediately upon loan disbursement or approval in XXXX before I received any education or services. 

I attended the school for about two months before withdrawing on XX/XX/year>. The school received over {$14000.00}, even though I didnt complete the program. As of now, Im facing over {$20000.00} in debt, mostly from a short period of enrollment and interest that started months before classes began. 

At no point was it clearly explained to me that interest would start accruing before school began, or that Id be charged so much for withdrawing early. This feels predatory, especially for someone just trying to pursue education. I believe this was misleading and potentially a violation of fair lending practices. 

I also signed documents for the loan in XX/XX/year>, but I was not made fully aware that interest would begin accruing immediately, before classes began, or that I could end up over {$20000.00} in debt after just two months. If these terms were disclosed, they were not clear or understandable. I believe the loan was issued under misleading or unfair circumstances. 

Additionally, I never received the orientation, textbook, or tech package that was promised as part of the program. These materials were supposed to be provided, but I did not receive any of them. The school did not fulfill the terms of the agreement, and I was charged for services and materials that were never delivered. 

To make matters worse, the school was not what I was expecting. The curriculum was outdated, the instructors were unhelpful, and the learning environment was disorganized. I felt like I was just thrown into the program without proper support, and I was overwhelmed and confused from the start. I even had to sit through hours of observation with no guidance while others were using the equipment. The whole experience felt like a scam, and I didnt receive any real education or practical experience.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: GA

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 c2 ) that you, the TransUnion 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 receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX under the account number ( XXXX ) XXXX XXXX XXXXXX/XX/XXXX under the account number ( XXXX ) a fraudulent phone XXXX XXXX XXXX XX/XX/XXXX under the account number ( XXXX ) XXXX XXXX XXXX  XX/XX/XXXX XXXXnder the account number XXXX these accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity theft criminal complaint # ( XXXX ) as proof from the XXXX federal trade commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: CT

Complaint narrative:
I never gave this company permission to open or report any accounts in my name. I have no relationship with them, I didnt authorize anything, and Ive never conducted any business with them. These accounts were added without my knowledge or consent, and thats a serious problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: MO

Complaint narrative:
Complainant : XXXX XXXX Social Security Number : XXXX Phone : XXXX For the past ( XXXX ) months, Experian Credit Bureau has sent an automatic payment demand to my checking account each month for a service they are unable to explain, can not prove they are providing, and has absolutely no record of my authorizing the service. 

Each time the payment request was sent to the bank, it was declined as a fraudulent attempt to collect money.. 

In XXXX, XXXX, my credit score was reported to be XXXX by all XXXX bureaus. This includes Experian Credit Bureau. Once Experian Credit sent a monthly fee payment demand to my bank, this payment demand was declined because it was not authorized by me. My bank was instructed to decline any payment of this nature, unless instructed differently by me. When the first of XXXX payments were declined, my credit score reduced from XXXX to XXXX. 

Even though the credit report stated all payments were paid as agreed, and no late payments, payment defaults, or judgments were on file, my credit score never increased to the original number after XXXX consecutive months of paying all accounts as required by each company. I was approved by XXXXXXXX XXXX for a {$100000.00} mortgage before Experian Credit Reporting Bureau began lowering my credit score. 

The XXXX loan approval expired because I was unable to find a home in time to purchase. XXXXXXXX XXXX loan officer and I were unable to get a response from Experian Credit Bureau regarding this mater. Each time they sent a code to log into their system, the code failed. 

Experian Credit Bureau is well aware the practice they are using is illegal, however, they are doing nothing to correct their error. The bank will reinstate the mortgage loan approval once my credit score increases. 

I would appreciate any assistance from your organization to correct this matter to get my mortgage approved. 

XXXX XXXX Complainant Mortgage Applicant.

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