vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 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: GA

Complaint narrative:
Experian is allowing XXXX XXXX to report a collection account that doesn't belong to them. I asked for sign credit application and signed receipts from XXXX XXXX and never received them. This is a violation of the 15 USC 1681. A true verification should have been done for allowing this company to report this account. I even received a letter from XXXX XXXX stating they were not trying to collect a debt but reported this account I will be suing who all thata involved of not removed from credit report immediately

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 2025-05-07 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: KY

Complaint narrative:
I paid off all my student loans back in the early 2000 's when I bought my house. I have not received any emails, postal mail, phone calls or any type of communication in an attempt to alert me of any outstanding balances in over 20 years. This week I noticed my credit score had dropped over 140 pts and it was due to a faulty XXXX XXXX  This had not been on my XXXX XXXX Report at all until it showed as defaulted. I am not sure where to begin. Please help.

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 2025-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: WI

Complaint narrative:
My checking account was hacked I was at work at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> looked at bank account was {$170.00} missing that I had to pay back I live in XXXX I was not in XXXX  or in XXXX for these transactions actions and chime bank made me pay it back XXXX are in XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: CA

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal 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 explanation
Consumer complaint received 2025-05-07 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: NY

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 2025-05-07 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: WA

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-05-07 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: GA

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 non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Southern Auto Finance Co
State: FL

Complaint narrative:
I am submitting a complaint regarding an illegal repossession of my vehicle that occurred approximately four months ago. 

The creditor or repossession company took the vehicle without providing any prior notice or opportunity to cure the default. I was not informed of the date of repossession or of any auction. After the repossession, I received no written notice detailing the sale, the date, time, location, or the amount the vehicle was sold for. This violates both, This whole was a violation of my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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. 







Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX, NC, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, MO, 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 2025-05-07 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: PA

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 2025-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
XX/XX/XXXX cash app says they sent XXXX dollars back to XXXX XXXX  XXXX  XXXX for a reversal payment .. the bank did a dispute and I won but like I said the bank never received the money which cash app claim they sent.cash app can't show me any proof they sent XXXX to my bank .. keep telling me call the bank I'm pretty sure they scammed me at cash app ... now I'm out of my bank they claim they sent in XX/XX/XXXX it's now XXXX still not any money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST NATIONAL BANK OF OMAHA
State: NJ

Complaint narrative:
I had a perfect credit history for the last 15 years. I pay all of my accounts on time as they are all set to auto pay. This lender FNBO has archaic tech systems in place and as a result their online platforms do not work as they should. I tried to set my account autopay and it seems that did not get set up correctly and as a result, payment was not taken out and I had a missed payment in XXXX. I had no idea this even happened. I am to receive a monthly bill via email each month but received NONE for the XXXX of XXXX. This was also confirmed from a supervisor directly with me on a phone call a few weeks ago. Had I gotten a a bill in XXXX, I would have seen the missed payment in XXXX and would have been able to pay the balance owed that I did not realize I had prior to the due date. The supervisor casually stated that she does not see that I received any notifications in the month of XXXX and is not sure why that is. I still have not gotten any notifications since. I called back the next day only to learn that the website had been going through some updates for I have no idea how long and that could be what contributed to me not getting my e-statements or payment reminders notifications. I should not have to suffer with my score dropping XXXX points because of this error on their part. I have tried to work with them with no avail. I have never paid late or missed a payment in the 15 years that I have had this account. I paid the bill as soon as I got a notification email from XXXX  that I had a late payment reported on my credit report!! I was shocked and extremely upset. This should not be taken lightly and I would like it rectified immediately! My report shows 30 days late in XX/XX/year>. How can that be when I paid the bill on XX/XX/XXXX? They need to take accountability for their website not working and contributing to this issue. I also don't know why it was reported 3 days after my bill was due and my report is still showing that I have a past due balance when I do not. I want the 30 day late to be removed ASAP off of my report please. Thank you.

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 2025-05-07 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: TX

Complaint narrative:
I did not open or authorize these accounts, and it is unjust for me to be held responsible for them. I request immediate action to resolve this issue.

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 2025-05-07 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: CA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress.

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal 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 2025-05-07 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: TX

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-05-07 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: IL

Complaint narrative:
XXXXI had a mortgage with XXXX XXXX XXXX XXXX XXXX XXXX, OH (now paid off) .XXXX is always due the 1st of the month, I had some health issues in XXXX XXXX I made the payment XXXXXXXX XXXX XXXX  acknowledged receiving the payment, but never posted after my inquiry where it was, the found it XXXX with no explanation why it was lost for XXXX XXXX XXXX They then posted iXXXX XXXX one day after the 30 day window, which was then reported to all three credit agencies, more that 30 days. My daughters were on the mortgage as well. We all took a 100 point hit on our credit scores. I asked if XXXX XXXX could adjust to the date I paid it XXXX They basically told me tough, we dont chose the posting dates. And blew me off, no help whatsoever. I have emails to back up everything I have stated. I just wanted them to help me since the lost the payment for two and a half weeks, The loan is now paid off, can you help me?  SincerelyXXXX 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 2025-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: TRUIST FINANCIAL CORPORATION
State: SD

Complaint narrative:
I have requested XXXX mortgage company to cancel PMI. We finished our basement last year and now have met the 80 % requirement. I have requested on 3 occasions to cancel PMI on our property. I tried contacting them by phone and I tried to elevate the issue to management, but have not received a call back from anyone. I have sent them the most recent evaluation completed in XX/XX/year>, showing the finished basement and current value. The evaluation was completed by the same independent company they used to initiate our mortgage loan. Truist states they can not accept the valuation from that company and must order a new one at my expense. They are refusing to cancel PMI on our property after provided all the legal documentation required for cancelation. We have never missed or had any late payments.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I scheduled a transfer from checking to pay off my car loan ; an internal transfer for XXXX. They show that transfer. On XXXX they duplicated another transfer overdrawing my account and taking {$4600.00} out of my savings and will not address the duplicate transfer until it completes processing. They said it could take many business day to correct their error and will not credit my saving the monies taken nor credit the {$6100.00} they took in error until processing is complete. They said if it is duplicated I can submit a dispute! In the meantime I am left with NO 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 monetary relief
Consumer complaint received 2025-05-07 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: TN

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries.

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 2025-05-07 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: TN

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries.

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 2025-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I was wrongfully charged by XXXX and promptly filed a dispute on XX/XX/XXXX. 

American Express denied my dispute. When I called, they asked for only written documentation, even though all of my communications with XXXX were over the phone. They refused to investigate further and to ask XXXX about the phone and in-person communications they had with us which were fraudulent -- XXXX purposefully hid how much our final charge would be. Our phone call with XXXX, on XXXX ' recorded line, should have reflected XXXX agreeing to charge us only {$180.00} and promising us it would show up on my credit card statement in 7 business days. That did not happen. 

American Express does not protect its consumers and refuses to fulfil its fiduciary duty to investigate. They accept the merchant 's receipt as sufficient, completely ignoring the fact that we were charged MORE than expected on the receipt and were told otherwise by the merchant.

Company response to consumer: Closed with monetary relief