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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am formally disputing multiple fraudulent and unauthorized credit inquiries on my credit report that were made without my knowledge or consent, in direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

The following inquiries are fraudulent and must be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries are severely impacting my credit and are preventing me from obtaining a home loan. I am requesting that these inquiries be investigated and permanently removed. Please provide written confirmation of your action within the timeframe required by 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: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Ive been experiencing an ongoing issue with the Experian app. For several months, my credit report has been outdated and has not reflected recent changes. I attempted to resolve this by purchasing a new credit report directly through the app, hoping it would update, but it has remained the same. I also reached out to Experian customer support multiple times to report the problem and request assistance, but the issue still hasnt been resolved. Im concerned that this outdated information could negatively affect my financial standing and decisions.

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I kindly ask that you update my personal information without delay. It is important that my records reflect accurate details, and I have provided the necessary documents for verification. Please make these corrections as soon as possible.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

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: DISCOVER BANK
State: TX

Complaint narrative:
I am reaching out to DISCOVER BANK to highlight my serious concern about certain details in my credit profile. It seems there might be inaccuracies, and it's crucial to maintain compliance with credit reporting laws, which emphasize the necessity of entirely accurate credit information reporting the fraudulent account : DISCOVER BANK XXXX Date Opened : XX/XX/XXXX  Balance : {$5800.00}

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: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Multiple accounts have been reinserted onto my credit reports without proper written notice, in direct violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). These accounts include XXXX XXXX XXXX, three XXXX XXXX accounts, XXXX, and XXXX. I was not notified of these reinsertions, nor was I provided with any explanation of how these accounts were verified after their previous removal. These are charge-off accounts that are inaccurately reporting high balances, late payments, and high utilization rates, despite being closed and charged off. I also sent formal written disputes regarding these accounts, including a dispute about a late payment with XXXX XXXX XXXX XXXX that was never late. I provided proper documentation with my dispute. Instead of investigating, Experian responded by falsely claiming that I did not submit the dispute myself. This is completely inaccurate and raises serious concerns about the validity of their investigation process. Furthermore, each time I file a complaint with the CFPB, Experian, and Equifax lock me out of accessing my credit reports, making it impossible to monitor or address ongoing issues. This pattern of obstruction feels retaliatory and violates my rights. XXXX XXXX XXXX is also reporting a collection account that I have requested validation for multiple times, yet neither XXXX nor the credit bureaus have provided any legally required supporting documentation. In addition, XXXX XXXX is not licensed to collect in my state, making their reporting both deceptive and unlawful. I am demanding a full investigation into these repeated violations of the Fair Credit Reporting Act and Fair Debt Collection Practices Act. I request a step-by-step explanation of the procedures used to determine the accuracy and completeness of the information I disputed, details on how the data was verified, which furnishers reinserted the information, and why I was never notified or provided validation.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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: KS

Complaint narrative:
This CFPB complaint is filed pursuant to FCRA Section 605B ( 15 U.S.C. 1681c-2 ) to request that TransUnion immediately block the fraudulent and unauthorized account listed below from my consumer credit file within XXXX business days of receiving this complaint. In addition, under FCRA Section 611 ( 15 U.S.C. 1681i ), I am formally disputing this account and demanding a full reinvestigation as required by federal law. 

The account appearing on my credit report that is the result of identity theft and fraud is : A credit account with XXXX XXXX XXXX opened on XX/XX/2024, with a balance of {$150.00} Under the authority of FCRA Section 611, I also demand that TransUnion provide detailed documentation of the reinvestigation, including the method of verification and physical proof showing how the accuracy of this account was determined. Without such supporting evidence, this account constitutes prima facie fraudulent reporting and must be removed. 

I never had a membership with XXXX XXXX XXXXXXXX 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: COOLEY ENTERPRISES INC
State: MA

Complaint narrative:
The following items have been furnished, transferred, conveyed, assigned or sold without my express knowledge or consent. My identity has been used for unauthorized purposes and transactions. I have attempted to resolve these matters in good faith by requesting that due to data breaches and the misuse of my data causing me a great financial hardship that the debts be canceled and the data furnished be removed from my consumer reports.

Company response to consumer: Untimely response
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: AES/PHEAA
State: AL

Complaint narrative:
American Education Services is servicing a loan that is funded by XXXX XXXX. The loan was sold to AESXXXX XXXX XXXX XXXX XXXX XXXX  XXXX We filed chapter XXXXXXXX XXXX XXXX XXXX and were discharged in XXXX AES XXXX notified and XXXX XXXX  put the claim in and took the money but never reported that back to AES XXXX AES has a very large incorrect balance. This loan should have been fully discharged via my XXXX XXXX as it is not a real student loan. We borrowed {$14000.00} and have paid back over {$18000.00}. We made more than a good faith effort to repay and want them to respect the discharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/year> my parents wired me XXXX XXXX to my Truist account. On XX/XX/year> my Truist account was locked and under review. After reading reviews on others experience with Truist, it was made clear to me that Truist steals peoples money and makes it hard for them to get there funds back.

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is incorrectly listing my name as " XXXX XXXX XXXX. '' This is inaccurate and not reflective of my proper legal name. Such errors can lead to unnecessary confusion, verification issues, and the potential for further inaccuracies in my credit profile.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/year> I submitted an online domestic wire request from the Discover Bank website to transfer {$25000.00} on XX/XX/year> from my Discover Bank personal savings account to my XXXX XXXX  personal checking account for investment purposes. The request was declined without any explanation other than " the system '' won't allow wire transfers from my account. When I pressed for an explanation, I was told that revealing that information would " compromise the integrity of the security system. '' I've been a Discover Bank customer for several years and have always managed my accounts in complete accord with the account agreements. This was first outgoing wire transfer I have ever attempted from Discover Bank. The bank has no reason whatsoever to believe, suspect or perceive that a wire transfer from my account at Discover Bank to my account at XXXX XXXX  for investment purposes would violate any law or the terms of the account agreement. I will add that Discover Bank had no problem accepting my incoming wire transfer of {$25000.00} from XXXX XXXX  on XX/XX/year>.

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 information incorrect
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
On XXXX XXXX  I got a notification that i was approved for Robinhood XXXX XXXX XXXX and it is not going to affect my credit report as it will be soft inquiry. 

Today i check my credit journey to find out that it is posted on credit report and affected my credit score. 

I wouldn't have applied for this credit card unless it wasn't going to affect my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: GA

Complaint narrative:
The Credit Management Company, debt collection agency put an approximately {$3000.00} on my credit report as a medical bill owed for a XXXX  XXXX  I was sent to in XXXX. I asked the company to send me details of the bill because I had insurance at that time and instead of providing it, they lied that they will email it, request for it to be mailed, but none of it was ever done. 

I called for weeks trying to understand what was happening. They even tricked me in paying {$800.00} towards the debt and still refused to send me an itemized bill. I further called my then insurance, XXXX, who told me that my portion for that facility visit was {$75.00} not a {$3000.00} as claimed by this debt collector. 

They have refused to refund my money and yell and scream at me whenever I ask them for the refund of the {$800.00} dollars they tricked me into paying.

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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FlXXXX [ XXXX ] ( XXXX : XXXX ) XX/XX/year> Equifax Information Services LLC XXXX. XXXX XXXX XXXX GA XXXX RE : Identity Theft Report and Request for Blocking of Fraudulent Information under 15 U.S. Code 1681c-2 ( FCRA Section 605B ) To Whom It May Concern, I am the victim of identity theft and have discovered inaccurate and fraudulent information on my credit report. Under 15 U.S. Code 1681c-2 ( FCRA Section 605B ), I am requesting that you block the following fraudulent accounts/information from appearing in my file : In compliance with the law, I am providing the following : 1. A copy of a valid identity theft report filed with a law enforcement agency.

2. Proper identification ( government-issued ID and utility bill or similar proof of address ).

3. A statement of dispute describing how the information resulted from identity theft.

This account was opened and/or used fraudulently without my knowledge or authorization. I request that you block the aforementioned information within the 4 business days mandated by the FCRA and confirm in writing once this action has been taken. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint due to an unresolved issue with Experian regarding an incorrect credit report entry that has significantly impacted my credit score. 

On XX/XX/2025, I observed a sudden XXXXXXXX XXXX in my credit score on my Experian report. I immediately initiated an online dispute through their platform. However, I was not provided with any information about what specifically caused the score drop or what item was reported incorrectly. I submitted three disputes over three months, and each time the result stated no updates made without any explanation or clarification. 

Due to the lack of transparency and resolution, I decided to contact Experians customer service. After several hours navigating the automated system, being disconnected three times, I was finally able to speak to a live representative. I explained that I had seen a late payment entry that I believe was incorrectly reported and requested clarity. 

The agent assured me that my most recent dispute would resolve the issue and instructed me to wait 35 business days after the dispute closed to see any changes reflected in my score. However, this was the third time I had heard this guidance with no actual result or credit score correction. When I asked the agent to help me document what had been discussed on the call, he abruptly disconnected the call. 

Experian has provided no clear explanation or resolution, and they are continuing to report inaccurate information which is negatively affecting my credit profile. 

I am attaching screenshots of my Experian dashboard and score overview to support my complaint, which show the incorrect information that remains uncorrected despite multiple disputes.

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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I pulled my credit reports and it showing a different amount on my TransUnion and Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX Amount XXXX Equifax Amount XXXX TransUnion I will like to get this deleted from my credit report due to inaccuracy and not properly investigating and rectifying to update from the company and credit bureaus on 15 USC 1681 being violating in failing to correct inaccurate information after an investigation is in violation

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 card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I made a {$12000.00} payment to my Capital One XXXX credit card from my new bank account after relocating to Florida. Despite successfully verifying my identity multiple times and submitting the requested bank statement showing the payment, Capital One suspended my account and has kept it locked for over 2 months. 

I am now being told I must wait for an unscheduled XXXX call with my bank, but they will not provide a date or timeframe. Ive cooperated fully and met every request. This is impacting my access to emergency funds and causing undue stress. I am seeking immediate resolution and reinstatement of my account.

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: DC

Complaint narrative:
I contacted them today about it about XX/XX/year> the credit card company and reporting bureau and nothing was done about my alarming concerns and I was told since everything matches it is validated but this is fraudulent and identity theft. This needs to be stopped immediately and someone should intervene on the consumer behalf and protect them from being taken advantage by these companies.

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