vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-23 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: FL

Complaint narrative:
According to the FCRA ( Fair Credit Reporting Act ), under 15 U.S.C. 1681b ( Section 604 ), a hard inquiry may only be made with a permissible purpose. I am disputing the inclusion of inaccurate inquiries on my credit report that do not meet the criteria under the FCRA. The following inquiries were not authorized by me, and I am requesting their immediate removal. These inquiries are in violation of my rights under the FCRA. 

Please conduct a reinvestigation of the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> This is a formal request under the FCRA that you investigate and delete the unauthorized inquiries from my credit report. I have enclosed a copy of my government-issued ID, proof of address, and a copy of the FTC Identity Theft Report for verification purposes.

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 2025-03-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I filed a dispute on XX/XX/year> due to a FERPA violation. As of XX/XX/year> the dispute was resolved and approved in my favor. However, the information is still appearing on my credit report. Since the dispute was approved based on a FERPA violation, I am requesting that this information be permanently deleted from my credit report, as it should no longer be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I called on the XXXX of XXXX to report I lost my card. The representative processed my information but said I will get a call from the supervisor within ten days. Thats not expedited ). Im paying a monthly payment every month why is so hard to get my card replacement. I looked up every protocol on the rules and it doesnt indicated no where. Card ending XXXX has been lost an all I ask for was a replacement!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: IL

Complaint narrative:
Tried repeatedly to inform MOHELA that they are not my service provider. My father took out a parent plus loan for me and he has been paying XXXX XXXX  for that loan. My school closed down in XX/XX/year> and fraud was committed by Iowa XXXX. Been going back and forth with MOHELA since 2023 informing them about this situation to no avail. Not getting any feedback for the past year and now they're send payment requests again. I have required documents and proof that was sent to MOHELA and hope to end this nightmare with themsoon.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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:
Sent disputes in for inaccurate accounts reporting on my consumer report, and requested deletion of these accounts. THIS DID NOT HAPPEN. THESE ACCOUNTS ARE SHOWING INACCURATE INFORMATION IN THE PAYMENT HISTORY, THE DATE OF LAST ACTIVITY BETWEEN EXPERIAN, EQUIFAX AND TRANSUNION. THIS IS A VIOLATION OF THE FCRA AND THEY MUST BE DELETED IMMEIATELY. ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX ) ( XXXX XXXX  ) ( XXXX XXXX XXXX  ) ( XXXX XXXX ) ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSENT MY DISPUTES FOR 2 ACCOUNTS SHOWING INACCURATE AND INCORRECT LATE PAYMENTS, AND DATES OF LAST ACTIVITY SHOWIING IN THE PAYMENT HISTORY. I REQUEST THAT THESE ACCOUNTS BE UPDATED IN THE ENTIRE PAYMENT HISTORY TO PAID ON TIME, PAID AS AGREED, NEVER LATE. ( XXXX XXXX ) ( XXXX XXXX XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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: NC

Complaint narrative:
Sent disputes in for inaccurate accounts reporting on my consumer report, and requested deletion of these accounts. THIS DID NOT HAPPEN. THESE ACCOUNTS ARE SHOWING INACCURATE INFORMATION IN THE PAYMENT HISTORY, THE DATE OF LAST ACTIVITY BETWEEN EXPERIAN, EQUIFAX AND TRANSUNION. THIS IS A VIOLATION OF THE FCRA AND THEY MUST BE DELETED IMMEIATELY. ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX ) ( XXXX XXXX  ) ( XXXX XXXX XXXX  ) ( XXXX XXXX ) ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSENT MY DISPUTES FOR 2 ACCOUNTS SHOWING INACCURATE AND INCORRECT LATE PAYMENTS, AND DATES OF LAST ACTIVITY SHOWIING IN THE PAYMENT HISTORY. I REQUEST THAT THESE ACCOUNTS BE UPDATED IN THE ENTIRE PAYMENT HISTORY TO PAID ON TIME, PAID AS AGREED, NEVER LATE. ( XXXX XXXX ) ( XXXX XXXX XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : 609 Dispute Request Verification of Debt Dear TransUnion, I am writing to formally request verification of an item appearing on my credit report under my rights granted by Section 609 of the Fair Credit Reporting Act ( FCRA ). I recently reviewed my credit report and noticed an entry from XXXX XXXX XXXX for an alleged debt of {$400.00}, opened on XX/XX/XXXX, and last reported on XX/XX/XXXX. I am requesting full validation of this account, including : 1. A copy of the original signed contract or agreement that legally binds me to this debt. 2. The name and contact information of the original creditor. 3. A detailed itemization of the alleged debt, including the principal amount, interest, fees, and any payments made. 4. A full explanation of how this debt was calculated. 5. Proof that XXXX XXXX XXXX has the legal right to collect this debt. 6. Copies of any correspondence sent to me regarding this account. If you can not provide the requested documentation verifying this debt, I respectfully request that you remove this item from my credit report immediately. Please respond within the timeframe required by law. I look forward to your prompt attention to this matter. Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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: Chime Financial Inc
State: MS

Complaint narrative:
Dear Better Business Bureau ( or Consumer Financial Protection Bureau ), I am writing to file a formal complaint regarding an unauthorized Chime account that has been incorrectly reported on my credit reports from all three major credit bureaus : XXXX, XXXX, and XXXX. 
My personal information is as follows : * Full Name : XXXX XXXX XXXX * Date of Birth : XX/XX/year>XXXX  * Social Security Number ( Last 4 Digits ) : XXXX * Current Address : XXXX XXXX XXXX XXXX XXXX XXXX I have recently discovered that a Chime account, which I have never opened or authorized, is listed on my credit reports. This unauthorized account is negatively impacting my credit score and causing me significant distress. I have contacted XXXX, XXXX, and XXXX to dispute this inaccurate information, but I am also requesting your assistance to ensure a thorough investigation and resolution. 
Specifically, I am requesting that the XXXX  ( or CFPB ) : * Investigate the Chime account reported on my credit reports. I request that you determine how this account was opened using my personal information without my consent. 
* Facilitate the removal of this unauthorized account from my credit reports. I demand that Chime and the credit bureaus correct this error immediately. 
* Investigate Chime 's account opening and verification procedures. I suspect there may be a security breach or fraudulent activity that has allowed this unauthorized account to be created. 
* Request Chime to provide all documentation related to the account in question. This will help determine how the account was created. 
I have attached copies of my credit reports showing the unauthorized Chime account, as well as copies of the dispute letters I sent to the credit bureaus. 
I expect a prompt and thorough investigation into this matter. I request written confirmation that my complaint has been received and a timeline for the investigation. I also request to be informed of the steps taken to resolve this issue. 
Thank you for your attention to this serious matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I am writing to formally express my dissatisfaction with the account setup process and subsequent handling of my funds at PNC Bank. Due to my demanding schedule, I opted to open my account online, anticipating a seamless process comparable to other financial institutions. However, my experience has been anything but convenient. 

Upon initiating my account online, I was unexpectedly required to visit a branch in person simply to obtain my account numberan unnecessary inconvenience. Despite my hesitation, I complied, assuming the visit would be brief. Unfortunately, due to system errors, what should have been a quick task took nearly an hour. 

Once my online account was finally active, I proceeded to fund it with {$8000.00} by initiating two transfers {$5000.00} and $ XXXXfrom my external account. However, I was required to call PNC just to gain eligibility to link my external transfer accounts, a step I have never encountered with any other financial institution. Nonetheless, I completed the process, successfully linked my external account, and the transfers were completed. The funds were withdrawn from my external account, yet when I attempted to log into my PNC account to verify the deposits, I was informed that my online access had been suspended. 

I immediately contacted the fraud department and spoke with a representative named XXXX. Unfortunately, this interaction did not provide a resolution. I was informed that I must visit a branch again to verify my identity because my account was new. Despite explaining that I had already completed an in-branch visit for the initial setup, I was told there was no record of it. Even when I provided evidencean email survey request confirming my branch visitXXXX  stated she did not have access to that information. 

It is entirely unacceptable that PNC was able to withdraw my funds from my external account via an online transaction, yet now requires me to visit a branch to access my money. The very reason I chose to open my account online was to avoid the inconvenience of visiting a branch. If additional verification was necessary, it should have been required before PNC withdrew my money. 

Given these circumstances, I am formally requesting that my transferred funds be returned to my external account immediately and that my PNC account be closed without further delay. Since the account was both opened and funded online, there should be no issue completing this request online.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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:
I am writing to dispute the alleged debt you claim I owe and to inform you that I have reason to believe that XXXX XXXX XXXX is not licensed by the Office of Consumer Credit Commissioner ( OCCC ) to collect debt in the state of Texas, as required under Texas state law. In addition, continued collection without proper licensing may violate the Fair Debt Collection Practices Act ( FDCPA ). I request that you provide me with evidence of your valid OCCC license and documentation establishing your authority to collect debt in Texas. Until such documentation is provided, I demand that you immediately cease all collection activities and remove any negative information related to this alleged debt 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 explanation
Consumer complaint received 2025-03-23 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: CA

Complaint narrative:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report. Please dispute and remove listed fraudulent inquiry from my credit report XXXX XXXX XX/XX/2024

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report. Please dispute and remove listed fraudulent inquiry from my credit report XXXX XXXX XX/XX/2024

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 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to dispute several accounts listed on my credit report that are inaccurate and unverifiable. These accounts have been previously disputed, yet they have been returned as verified without any tangible evidence or proof that the information being reported is accurate. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that all information reported on my credit file is 100 % accurate and verifiable. 

The following accounts are being disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S. Code 1681i , the FCRA requires credit bureaus to conduct a reasonable investigation when a consumer disputes the accuracy of an item. However, you have failed to provide me with any proof or documentation from the data furnisher to substantiate these accounts as valid. Simply marking the accounts as verified without any supporting evidence is not a reasonable investigation as required by law.

Furthermore, under 15 U.S. Code 1681e ( b ), you are obligated to ensure maximum possible accuracy in my credit file. Without documented proof of the debts, these accounts can not legally remain on my 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 2025-03-23 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: PA

Complaint narrative:
I am writing to dispute several accounts listed on my credit report that are inaccurate and unverifiable. These accounts have been previously disputed, yet they have been returned as verified without any tangible evidence or proof that the information being reported is accurate. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that all information reported on my credit file is 100 % accurate and verifiable. 

The following accounts are being disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S. Code 1681i , the FCRA requires credit bureaus to conduct a reasonable investigation when a consumer disputes the accuracy of an item. However, you have failed to provide me with any proof or documentation from the data furnisher to substantiate these accounts as valid. Simply marking the accounts as verified without any supporting evidence is not a reasonable investigation as required by law.

Furthermore, under 15 U.S. Code 1681e ( b ), you are obligated to ensure maximum possible accuracy in my credit file. Without documented proof of the debts, these accounts can not legally remain on my 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 2025-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
Rights of how funds would be distributed tracked and transferred safely and securely not adequately counseled on in a language where the ambiguities are easily interpreted by the consumers additionally, what courses of action would be rendered in assisting any misguided or misappropriated funds, also no disclosure on all of the financial institutions aligned with Zelle that would possibly have access to our personal and private information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I can not get into my Equifax credit report. I have spent hours on the phone, they can not fix it. They say tech support will reach out, but teach support never reaches out. I know there in inaccurate information, and I need to see it. 

Thank you! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: MS

Complaint narrative:
Equifax has thus far not removed two fraudulent hard inquiries that I have disputed twice. 
I have already contacted the financial institutions involved and they acknowledge fraudulent loan applications were made which were declined. However, the hard inquiries are still on my report and should be removed as they do affect credit scores.

Company response to consumer: Closed with explanation