vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-19 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: AZ

Complaint narrative:
I am writing to formally dispute a fraudulent hard inquiry that appears on my credit report. I recently reviewed my credit file and discovered an unauthorized hard inquiry from XXXX XXXX, XXXX XXXX dated XX/XX/year>2024. I did not authorize this inquiry, nor did I apply for any credit or services with this entity. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate and remove any inaccurate or unauthorized information from my credit file. Since this hard inquiry was made without my consent, it constitutes a violation of my consumer rights. 

I am demanding that you immediately : Conduct a thorough investigation into this unauthorized inquiry. 
Provide documentation supporting the legitimacy of this inquiry. 
Permanently delete this unauthorized hard inquiry from my credit report. 

Failure to resolve this matter promptly will leave me with no choice but to escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ) and pursue legal action. I expect confirmation of the removal of this fraudulent inquiry within 30 days from the date of this letter, as required under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: PA

Complaint narrative:
i received a email from Experain stated that a new account was open on my account from XXXX XXXX card that i did not approve i called XXXX and had the card cancelled, and also there are a few inquires i did not approve nor have knowledge of so i filed a claim with XXXX XXXX attached XXXX, XX/XX/XXXXXXXX  *XXXX  XXXX, on XX/XX/XXXXXXXX  XXXX, XX/XX/XXXXXXXX  *XXXX, on XX/XX/XXXXXXXX  XXXX, on XX/XX/XXXX *XXXX XXXX, on XX/XX/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 2025-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
XXXX25- countless phone calls from unknown caller and New Mexico number. I already answered and told them I had a reduction in pay and will be taking care of it on my next payday. They that have called me multiple times and to stop harassing me. I am a good customer. I answered the unknown number this morning and still have had XXXX more calls since then. They were rude when I did talk to someone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: DISCOVER BANK
State: IN

Complaint narrative:
Discover Bank is credit issuer. During the month of XXXX XXXX payments were applied to my credit account in an attempt to payoff the promotional balance. It was assumed this was completed although they allowed the promotional balance the payments were intended to payoff expire so interest could begin. Apparently this was in their fine print of promotional offers. I have never seen it done this way. This is, unfair, deceptive practice that is abusive to the consumer. This practice is not consistent with other banks that I have been exposed to. I know now but this should not be allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XXXX a creditor, has recently reported a charged-off account that was closed for over XXXX years. This inaccurate reporting has caused financial hardship, negatively impacting my credit and hindering my ability to secure new employment. I request an immediate review and removal of this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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 a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$1400.00} XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1800.00} XXXX - XXXX - XX/XX/XXXX - {$970.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$360.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$120.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$1400.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2025-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
XXXX was paid in full. Still show 's on credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: NJ

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: DE

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.

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 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I reached out to the creditors and also XXXX to have the account removed from my report. 
Upon submitting documentation to them both the account was removed from my credit report and then added to my report again. 

On XXXX XXXX2024 I contacted the creditors and provided documents confirming that my identity has been stolen via the phone and also via dispute through XXXX. 
I received the report number XXXX to track the dispute On XXXX XXXX,2024 I received notice from XXXX in regards to report number XXXX stating that the item had been removed from my report. 
Upon checking my report the item had been re added to my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TX

Complaint narrative:
On XX/XX/year> I messaged MOHELA regarding a loan that I thought I had completely paid off. They stated that I had XXXX cents remaining as a balance. In my message I asked why the amount had not been taken off and paid. They replied on an undisclosed date ( as the messaging system does not have the time or date of their replies ) that they would write off the XXXX cent balance and that I was delinquent on my payments. I had previously set a payment to withdraw on XX/XX/year>, aka my due date. On the XXXX I found out that I was delinquent and set up a payment to withdraw on the XXXX. The XXXX came and went, and no withdrawal came from my bank account, so I checked MOHELA again to see what was going on with my payments. They stated on a second occasion in a letter that my " Auto Pay Has Been Removed. '' The first letter stated that I did not have a bank account on file, despite paying from said bank account for over a year prior with no problems, and all my payments had been on time, including payments made while in forbearance. On the XXXX they sent me another document stating information about payment plans I could apply for. However, when I messaged them again on the XXXX asking about the account to write off and the bank account being invalid, they did not reply. It is now the XXXX and I have not heard from them on this topic ever since the date-unknown message replying to mine that I sent on the XXXX. Today, the XXXX, I messaged them again asking what I could do to get my payment processed and stated that I had tried to pay it twice. I then called MOHELA and was told it would be up to 5 hours of wait time on hold. I decided to set up a payment on the phone to withdraw from my bank account on today 's date. On the MOHELA website within 5 minutes it showed this pending payment. However, it showed this message twice prior when I tried to pay before. I also attempted to wait on the phone for a representative and after navigating the phone tree spent nearly an hour on hold before the call dropped. I am concerned about how this will affect my credit and my financial situation as they report on their website that they update credit unions monthly or sooner based on delinquent payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the recent rule issued by the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX, medical bills are prohibited from inclusion on credit reports used by lenders effective XX/XX/XXXX. 

Details of the Medical Debt Entries still listed as of XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX of XXXX Florida Date Opened : XX/XX/XXXX Amount : {$510.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Florida Date Opened : XX/XX/XXXX Amount : {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XXXX XXXXa debt buyer, has recently reported a charged-off account that was closed for over two years. This inaccurate reporting has caused financial hardship, negatively impacting my credit and hindering my ability to secure new employment. I request an immediate review and removal of this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate and unauthorized reporting of my account ( s ) on my credit report. Under multiple federal statutes, including the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 & 6802 ), the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), and the Identity Theft and Fraud Enforcement Act ( 18 U.S.C. 1028A ), you are legally obligated to protect my personal and financial information and ensure that my data is not misused, shared, or reported unlawfully. 
Violations of Federal Laws XXXX. 15 U.S.C. 6801 & 6802 ( Gramm-Leach-Bliley Act ) o You are required to safeguard my nonpublic personal information ( NPI ) and ensure that it is not shared or misused without my explicit consent.

o Any reporting of my financial information without my consent constitutes a violation of federal privacy standards. 
XXXX. 15 U.S.C. 1681b ( 2 ) ( Fair Credit Reporting Act Permissible Purpose Requirement ) o You must have my direct written consent to access or report my credit information. 
o If you obtained or shared my information without this consent, you are in violation of this statute. 
XXXX. 18 U.S.C. 1028A ( Aggravated Identity Theft ) o Reporting or using my personal financial information without legal authorization may be considered identity theft under federal law, punishable by criminal penalties. 
XXXX. 15 U.S.C. 1681q ( Obtaining Information Under False Pretenses ) o If my information was accessed, reported, or used without my knowledge or under false pretenses, this is a direct violation and may result in legal liability. 
XXXX. 15 U.S.C. 1681n ( Civil Liability for Willful Noncompliance ) o Willfully reporting false, misleading, or inaccurate information subjects you to civil liability, including damages, attorney fees, and punitive damages. 
XXXX. 15 U.S.C. 1681c-2 ( Blocking Information Resulting from Identity Theft ) o I demand the immediate blocking and deletion of any fraudulent or inaccurate information on my credit report, as required by law. 
XXXX XXXX XXXX Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 
XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-19 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: TX

Complaint narrative:
I discovered an unauthorized and inaccurate collection account on my credit report from TransUnion Consumer Solutions associated with XXXX XXXX XXXX XXXX  This account does not belong to me, and I have no knowledge of its origin. I formally disputed this account with the credit bureau, requesting verification and removal based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ).

Despite my formal dispute and request for a thorough investigation, TransUnion Consumer Solutions has continued to report this account without verifying its accuracy or providing me with documentation supporting its validity. This violates my rights under the FCRA, as credit bureaus are required to conduct a reasonable investigation and must not report inaccurate or unverifiable information. Notably, failure to comply with these requirements has been underscored by precedents such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
This inaccurate information is damaging my credit score and affecting my financial standing. I believe that the credit bureaus failure to properly investigate and respond to my dispute is a direct violation of the FCRA, causing me unnecessary harm.

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 2025-03-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Got mugged and robbed of my phone and my wallet. While I was knocked out by the mugger, they took my phone and wallet and somehow transferred all of my money out of my checking and savings account. 

I have a police report, and a claim with Chase account ( that got denied ) due to being a wire transfer of $ XXXX. 

Total amount stolen was $ XXXX and my phone, wallet, and ID. 

I was able to get $ XXXX back but that is it. 

Not to mention they changed so many of my passwords and tried to steal identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: MA

Complaint narrative:
The account was settled and paid in full. Attached are the documents that show it was paid. I have disputed via Experian but XXXX XXXX does not update the account as paid. The settlement was handled by XXXX and 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 2025-03-19 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: FL

Complaint narrative:
I am filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate and misleading information being reported on my credit file by Experian and Transunion and the credit reporting agencies. This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), and I am requesting immediate action to rectify this issue.

Details of the Inaccurate Account The account in question is listed as follows : Creditor Name : Military Star Credit Card Account Number : ( as reported by Experian and TransUnion ) Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX ( Transunion )/ XX/XX/XXXX ( Experian ) Balance Reported : {$12000.00} ( Tranunion )/ {$12000.00} ( Experian ) Credit Limit : {$8600.00} Account Utilization : Shows 143 % ( Transunion and Experian ) Violations and Inaccuracies Balance Exceeds Credit Limit : The reported balance ( {$12000.00} ) exceeds the credit limit ( {$12000.00} ) exceeds the credit limit ( {$8600.00} ), resulting in an impossible utilization rate of 143 %. This is mathematically and legally incorrect, as a balance can not exceed the credit limit on a revolving account.

Misleading Payment Status : The payment history is marked as " Missed Payment '' and " Other, '' yet no payment data is available for the past two years, which is contradictory and misleading.

Failure to Investigate : Despite my attempts to dispute this inaccurate information directly with the credit bureaus, the issue remains unresolved.

Violations Identified Fair Credit Reporting Act ( FCRA ) : The FCRA requires credit reporting agencies to ensure the accuracy and fairness of the information they report. The discrepancies and inaccuracies in this account violate this requirement.

Truth in Lending Act ( TILA ) : Creditors are required to provide accurate and transparent information about credit terms and balances. Reporting a balance that exceeds the credit limit is a violation of this law.

Actions Requested I am requesting the following actions from the CFPB : Demand Removal of the Account : Require the credit bureaus to remove this account from my credit report due to the inaccuracies and violations.

Ensure Compliance : Ensure that the creditor and credit bureaus comply with the FCRA and TILA moving forward.

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