vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-18 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: NJ

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX  XXXX Account # : XXXX XXXX XXXX  Account # : XXXX XXXX  XXXX Account # : XXXX XXXX XXXX  Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX  Account # : XXXXXXXX XXXX Account # : XXXX XXXX Account # : XXXX The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than XXXX years old, other than records of convictions of crimes. 
Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: IL

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 XXXX 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 XXXX 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 2025-04-18 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: FL

Complaint narrative:
I have attached documentation from the appropriate authorities to support my claims. I would be grateful if you could promptly remove the fraudulent entries from my credit report and take the necessary steps to rectify any inaccuracies or fraudulent activities because I already file a complaint again for these items.

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 2025-04-18 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:
In accordance with XXXX XXXX. XXXX ( 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 explanation
Consumer complaint received 2025-04-18 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 am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX - XXXX * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX * * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$710.00} XXXX XXXX XXXXXXXX XXXX XXXX * * * * * * XXXX - XX/XX/XXXX - {$400.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX - XXXX * * * * * * * * * * XXXX - XX/XX/XXXX - {$3200.00} XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$1400.00} XXXX XXXX XXXX - XXXX * XXXX XXXX XXXX * * * * * * * * * XXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX XXXX - XXXX * XXXX XXXX XXXX * * * * * * * * * * XXXX - XX/XX/XXXX - {$2000.00} XXXX XXXX XXXX - XXXX * XXXX * * * * * XXXX - XX/XX/XXXX - {$3500.00} XXXX XXXX XXXX XXXX XXXX * XXXX * * * * * XXXX - XX/XX/XXXX - {$520.00} XXXX XXXX - XXXX * * XXXX XXXX * * * XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX * * XXXX XXXX * * * * * * * * XXXX - XX/XX/XXXX - {$0.00}

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 2025-04-18 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: IL

Complaint narrative:
Please note the above referenced accounts were opened FRAUDULENTLY ; as a result of Identity Theft. My information was compromised & fraudulently used without my permission. My name, social security number, along with fake addresses, emails & phone numbers were also fraudulently used by the fraudster ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing the inaccurate reporting of a closed, charged-off account that was last active in XXXX. Despite there being no new activity since the charge-off, you continue to report " XXXX XXXX XXXX XXXX XXXX notations every month in XXXX. This is misleading and makes it appear as though new delinquencies are occurring, which is false. A charge-off is a one-time event, not an ongoing monthly status. This kind of repeated reporting after account closure is inaccurate and a violation of the FCRA, which requires information to be reported with maximum possible accuracy. This continued monthly reporting is not only inaccurate but is also in violation of 15 U.S.C. 1681e ( b ), which requires that all information furnished to consumer reporting agencies be reported with maximum possible accuracy. I contacted the creditor, and they stated my information was last reported to the CRAs on XXXX error is negatively impacting my credit score, and Ive attached proof of this account for your review. If this continues, I will pursue monetary compensation as allowed by law for the harm caused by this incorrect reporting. XXXX  has since removed this account.

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 2025-04-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: VT

Complaint narrative:
I was approved for a new credit card from XXXX XXXX and got it to pay off my Wells Fargo card before a bunch of interest hits next month and Wells Fargo says " my type of account '' can't accept balance transfers. Which makes no sense, but they have other ones that will? Plus, I used balance transfer on that that Wells Fargo card to pay off other balances, but now I can't do the same with their card? This seems ridiculous. I tried sending an almost {$3000.00} balance transfer payment to them and they refused it, so the payment was reversed. Plus, I had called them to let them know the balance transfer was coming and even had her waive the late payment fee because the balance transfer payment was schedule and she NEVER said they didn't allow balance transfers! It's always something with Wells Fargo ; they are the worst!

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 2025-04-18 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: CA

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: AR

Complaint narrative:
I discovered multiple inquiries that I didnt authorize nor recognize.

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 2025-04-18 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: AR

Complaint narrative:
I discovered multiple inquiries that I didnt authorize nor recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: IN

Complaint narrative:
Subject : Inaccurate Reporting of Student Loan Status and Failure to Acknowledge XXXX  Progress Complaint : I am filing a complaint regarding the mismanagement of my federal student loans by my servicer, Edfinancial Services. 

Despite having made XXXX qualifying payments under an Income-Driven Repayment ( XXXX ) plan ( as acknowledged on my loan dashboard ), I am being reported as having XXXX qualifying payments toward XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, negative marks, including possible delinquency or default, were reported to credit bureaus without adequate notice or opportunity to cure. 

No Delinquency Notice Received I was never notified of any late payment, missed payment, or default. Under the Fair Credit Reporting Act ( FCRA ) and Higher Education Act, I should have been properly informed before any negative credit reporting. This lack of notice is a clear violation of my consumer rights. 

Actively in XXXX & XXXX Process I submitted an XXXX XXXX XXXX XXXX ) application on XX/XX/year>, specifically requesting the lowest monthly payment, which qualifies me for the XXXX plan. I also submitted my XXXX Employment Certification form, signed by my employer. During this time, my loans were under review, and therefore should not have been reported as delinquent. 

I submitted a dispute with all three major credit bureaus ( XXXX XXXX XXXX  ) and recently submitted both an XXXX request and a XXXX Employment Certification Form on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: MN

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I received a letter from XXXX stating that this account is on my credit report. I do not have any knowledge of this account, and it needs to be removed as my identity was utilized improperly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: IL

Complaint narrative:
Please note the above referenced accounts were opened FRAUDULENTLY ; as a result of Identity Theft. My information was compromised & fraudulently used without my permission. My name, social security number, along with fake addresses, emails & phone numbers were also fraudulently used by the fraudster ( 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 2025-04-18 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: FIRST NATIONAL BANK OF OMAHA
State: IL

Complaint narrative:
Please note the above referenced accounts were opened FRAUDULENTLY ; as a result of Identity Theft. My information was compromised & fraudulently used without my permission. My name, social security number, along with fake addresses, emails & phone numbers were also fraudulently used by the fraudster ( 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 2025-04-18 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: DE

Complaint narrative:
This morning, I saw some incorrect accounts on my credit report and XXXX unsure how they got there. I checked my report like I always do, but this time I noticed unexpected errors. I even refreshed my browser thinking it might be a glitch, but the inaccurate entries were still there. Given this problem, XXXX requesting a detailed review of the documents Ive submitted to ensure this doesnt happen again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: DC

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding an ongoing issue with my student loans. According to XXXX, my loans are assigned to MOHELA. However, when I contacted MOHELA on XX/XX/XXXX, they informed me that they do not have my loans. I called again on XX/XX/XXXX, and the same response was provided. 

This conflicting information has left me unable to make my monthly payments or request a deferment. As a result, my loans are now in default, which is negatively impacting my credit and security clearance. I am unable to manage my loans properly due to this confusion, which is creating significant financial hardship for me. 

I appreciate your attention to this matter and hope for a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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 a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 









Inquiry 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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the XXXX XXXX XXXX. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful

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 2025-04-18 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:
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 explanation
Consumer complaint received 2025-04-18 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: NV

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 non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I came across a credit inquiry on my report that I dont recognize. I never applied with this company or authorized a credit check. This unexpected activity is concerning and raises serious questions.

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 2025-04-18 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: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE
State: IN

Complaint narrative:
I attempted to receive a refund from Western Union after my refund request was granted on XX/XX/XXXX, but none of the locations in my area were able to process it. I visited 6 locations with me revisiting one multiple times, and each one turned me away, stating they could not issue the refund. Despite contacting customer service in excess of 15 times in the last 4 months and following the steps I was given ( though often vague and from XXXX people I couldnt understand well ), I have still not been able to receive my money. This situation caused significant stress and wasted both time and money. Even after repeated attempts to resolve the issue, I still have not received my refund or a clear explanation for why these locations were unable to help me.

Company response to consumer: Closed with explanation