vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
Equifax is reporting two hard inquiries that I did not initiate : DIRECT on XX/XX/XXXX and XXXX  on XX/XX/XXXX. These inquiries were made without my consent and without any application from me. Given the increasing frequency of data breaches and XXXX own history of security failures, I find it extremely concerning that my information is once again being misused. These inquiries are unauthorized and harmful to my credit score, and Equifax has provided no explanation or documentation to justify keeping them on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citi Cards is not releasing my funds ( {$23000.00} ) after making several requests. We started the process back in XXXX and they still have not sent me or released my check! 

I paid off my loan of $ XXXX from my checking account, now theres an overpayment of {$23000.00} due to a balance transfer from another credit card, and Citi refuses to return my money! Im making payments on money I can not access because Citi are stalling/refusing to send me my money!

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within XXXX ( XXXX ) business days of your receipt of this request. 
The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report.

I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them.

These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft.

To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Corp Solutions Inc.
State: OK

Complaint narrative:
Credit Corp Solutions Inc. has been calling threatening and harassing nonstop. They have contacted family friends and everyone I know nonstop after requesting debt validation and also to cease and desist which has gone totally ignored. I am totally XXXX to which this condition will never change with XXXX XXXXXXXX which their harassment and stress they continue to cause is worsening my condition.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I've reviewed my AMERICAN EXPRESS credit report and found a number of items that appear to be incorrect. I would appreciate knowing if you have completed a thorough investigation into these inaccuracies. 

Personal Information NAME : XXXX XXXX XXXX Can you please delete any names in your system that don't match mine? I want to make sure the database has accurate information about me, so it will help with future transactions if you can get rid of any names in your system that don't match XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My only address is XXXX XXXX XXXX XXXX XXXX XXXX. If you have any address listed in your system that do not match my address as its listed here, please delete them immediately so you can make sure the database has accurate information about me. 

AMEX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'm disappointed that you have failed to provide documented proof of compliance reporting standards and applicable consumer laws. This is a major deficiency! I demand this flawed, inaccurate report be deleted immediately or else legal action will ensue against your company for failing to meet certain requirements set out in law with regards these matters - it's very important we know what kind documentaries can show us so we don't get caught flat-footed when things go south later down the road due an issue which may have been preventable had there only ever been one shred left behind by those who knew better but chose not care enough about accuracy over convenience alone. PLEASE DELETE THIS ACCOUNT IMMEDIATELY FOR INACCURATE INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
{$61.00} XX/XX/year> I recently reviewed my credit report and was shocked to find out I had been a victim of identity theft. I do not recognize this account. Please remove this account from my credit report as it is hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am writing this letter on my own behalf to formally request that your agency provide a detailed explanation of the steps taken to ensure the accuracy and completeness of the information under dispute, in accordance with 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this provision, I am entitled to receive a description of the reinvestigation procedure used by your agency, including the business name, address, and, if reasonably available, the telephone number of any furnisher of information contacted in connection with the disputed items.

Please respond to this request within the 15-day period as required by law.

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

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 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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

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 non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: World Acceptance Corporation
State: LA

Complaint narrative:
XXXX XXXX Has placed a Collection on my credit report in the amount XXXX and XXXX this is in correct this loan was paid off. it has been greater than XXXX years that this loan was received. i would like this removed from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX * * * * Balance : {$520.00}, XXXX XXXX XXXX * * * * Balance : {$250.00}, XXXX XXXX NA XX/XX/year> & XXXX XXXX NA XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX * * * * Balance : {$520.00}, XXXX XXXX XXXX * * * * Balance : {$250.00}, XXXX XXXX NA XX/XX/year> & XXXX XXXX NA XX/XX/year>

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 2025-05-06 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: NC

Complaint narrative:
Im reaching out regarding an account listed on my credit report. Im requesting that you immediately verify and certify that every piece of data tied to this account actually belongs to meincluding the name, address, account history, balances, and any other personal or financial details reported.

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Im reaching out regarding a hard inquiry listed on my credit report. Let me be clear : I did not authorize this inquiry, and it was made without a permissible purpose under the Fair Credit Reporting Act. I never applied for credit with this company, never gave consentverbal, written, or otherwisefor them to access my credit file. This inquiry is completely unauthorized and should not be on my report in the first place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: NJ

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX : {$560.00} Open Date XX/XX/year> Inquiries : XXXX  XXXX XXXX  Date XX/XX/year> XXXX XXXX  Date XX/XX/year>

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) 281 SW 715.719. 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 2025-05-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MOHELA
State: MD

Complaint narrative:
I am a federal student loan borrower previously serviced by MOHELA. My loans were recently forgiven through the forgiveness program, from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 

Despite this, the forgiven loans are still showing as open and with balances on my credit reports from XXXX or more of the major credit bureaus ( Equifax, Experian, and TransUnion ). This incorrect reporting is negatively impacting my credit score and causing unnecessary stress.

I have contacted MOHELA multiple times to request they update their reporting, but the inaccurate information remains. This situation is not only misleading but may affect my ability to access credit or loans in the future. 

I am requesting that the CFPB investigate and assist in ensuring MOHELA updates all relevant credit bureaus to reflect that the loans have been fully forgiven and have a {$0.00} balance, and that they are no longer active accounts. 
{$1700.00} XXXX {$2600.00} XXXX {$2000.00} XXXX XXXX XXXX NEEDS TO BE REMOVED FROM ALL THREE BUREAUS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian failed to do proper investigation numerous times. These accounts are clearly inaccurate. Experian have been doing sham investigation. My rights have been violated according 15 USC 1681 person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. 

Account Name : XXXX XXXX  Account Number : XXXX Reason : This account is missing information, reporting inconsistent. I have no knowledge of this account. Never received any information requested to validate this debt. 

Account Name : XXXX XXXX XXXX Account Number : * * * * * * * * * XXXX Reason : Equifax is reporting the account number as XXXX Experian is reporting the account number XXXX this is clearing inaccurate. This account do not have a DATE OF LAST ACTIVITY which makes this account incomplete and inaccurate. 

XXXX XXXX SERVICES Account Number : XXXX * * * * * * * * * * * Reason : I have an open and current account with XXXX XXXX XXXX This account is reporting paid and closed as of XX/XX/year>. I have a copies of my XXXX, XXXX, and XXXX billing statements enclose with this complaint. 

XXXX XXXX XXXX Account number : XXXX * * * * * * Reason : The account number isnt reported correctly, it is reported different on Transunion. Details such as monthly payment amount and the payment history are missing from this account which makes this account inaccurate. 

XXXX XXXX XXXX  Account number : XXXX * * * * * Reason : This account incomplete and inaccurate. The BALANCE, MONTHLY PAYMENT, and other details are missing from this report. This is a duplicate account that was deleted with same account number and similar missing incomplete details. 

XXXX XXXX Account number : XXXX * * * * * * * Reason : The account information on this report incomplete and inaccurate. The creditor is reporting different information between the three credit bureaus. 


Account Name : XXXX XXXX XXXX Account Number : XXXX * * * * Reason : The account number isnt reporting correctly. The OPEN DATE and the DATE LAST REPORTED are both reporting different between the three credit bureaus. The inconsistent information reported shows inaccurate unverified information.

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