vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-02 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: GA

Complaint narrative:
On XX/XX/year>, I visited a XXXX store to make a purchase. At checkout, a store associate asked if I wanted to apply for a XXXX credit card. I explicitly asked whether applying would result in a hard inquiry on my credit report, and the employee assured me that it would not. Based on this information, I proceeded with the application. However, I later discovered that a hard inquiry was placed on my credit report without my consent. This is a violation of the Fair Credit Reporting Act ( FCRA ) 604 ( 15 U.S.C. 1681b ), which states that a company may only conduct a hard inquiry if the consumer explicitly consents or applies for credit knowingly. Since I was misled by the store employee and did not authorize a hard inquiry, this constitutes an unauthorized credit check and deceptive business practice by XXXX and its credit card issuer. 
Additionally, I have attempted multiple times to contact the phone number listed on the hard inquiry, but each time I call, it goes straight to voicemail or is unavailable. This has made it impossible for me to verify the details of this inquiry or request its removal directly. I have also contacted Experian via their number which is the only bureau this inquiry reported to, but they have not resolved the issue. I am going to submit a dispute via certified mail. I am requesting that the CFPB investigate this unauthorized hard inquiry and require XXXX to remove it from my credit report. This deceptive practice has negatively affected my credit and my rights as a customers.

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 2025-04-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: U.S. BANCORP
State: MI

Complaint narrative:
My mortgage company ( US BANK, who purchased my mortgage from my original lender ) for the 3 rd time is attempting to raise my payments, and are citing an escrow shortage for reasons on the increase. They are saying they do not have to give notice because it was an internal request from the tax department to raise my payment. I have been monitoring my escrow account extremely closely since the last increase of over {$200.00} a month to ensure there has not been another shortage on the account, which there hasnt been. I was also paid a tax refund due to over paying on my property taxes for the past year. My taxes have not gone up, so Im confused as to why my payment keeps going up. Nothing they are saying makes any sense.

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 2025-04-02 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 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 explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I'm being charged overdraft fees and don't have over the draft protection and the keep taking my money, so I went the bank on XXXX ) 2025 at XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX and told them to stop the overdraft protection and they told me I do not have it so I asked why are they charging me they say they paid the the stuff sometime and I don't think that's true because there is something wrong they keep taking my money on overdraft fees every week, I need my money back and it's a lot as soon as my money gets low on every Tuesday here comes I'm in overdraft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: KS

Complaint narrative:
I am trying to locate my federal student loan refund. I'm owed roughly {$1500.00}. Mohela, the loan servicer, claims they requested the refund from the department of treasury on XXXX XXXX XXXX The treasury department has informed me that there is no refund in their system for me. 

There is a disconnect somewhere. Both parties are pointing to the other. 

Could you please help me track down whether or not Mohela actually issued the request to the treasury and possibly help resolve the situation. 

Respectfully, XXXX XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: IL

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXXXXXX XXXX XXXX ( Account # 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 2025-04-02 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-04-02 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I have attempted to get a vehicle loan through my bank since XXXX. For the first years I was denied due to my equifax account being frozen. I had never frozen my account with equifax. Ive contacted equifax numerous times since XXXX and they have always told me my name and social do not return in their system. I have attempted to correct the issue through the ways they have informed me to do so but nothing has yet to be resolved or fixed. It is now XXXX and the company still refuses to correct the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. XXXX ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXXXXXX XXXX XXXXXXXX XXXX date opened XX/XX/XXXX, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$20000.00}, XXXX. XXXX, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$2500.00}, portfolio recov assoc Account # : XXXX date opened XX/XX/XXXX bal. {$450.00}, self financial/lead ba Account # : XXXX date opened XX/XX/XXXX bal. {$190.00}, self/atlantic capital Account # : XXXX date opened XX/XX/XXXX XXXX {$0.00} XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-04-02 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. XXXX ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXXXXXX XXXX XXXXXXXX XXXX date opened XX/XX/XXXX, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$20000.00}, XXXX. XXXX, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$2500.00}, portfolio recov assoc Account # : XXXX date opened XX/XX/XXXX bal. {$450.00}, self financial/lead ba Account # : XXXX date opened XX/XX/XXXX bal. {$190.00}, self/atlantic capital Account # : XXXX date opened XX/XX/XXXX XXXX {$0.00} XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Williams & Fudge, Inc
State: NV

Complaint narrative:
This collector in affecting my credit score, i have no knoledge lf the account he is trying to collect,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital one never conducted fraud investigation due to identity theft to prove with receipts and my signature on all purchases, balance is incorrect and inaccurate. Spoke with customer service around XXXX XXXX on phone. Request removal account from credit report ( XXXX, XXXX XXXX ). Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I enrolled in a 60-month hardship program with Citibank ( Citi Simplicity account ending in XXXX ) in XX/XX/XXXX, with a reduced APR of 9.99 % and monthly payments of {$170.00}. My next payment of {$170.00} is already scheduled for XX/XX/XXXX, and I have made consistent payments throughout the arrangement. 

Since entering the plan, I have been laid off three times, yet have continued making timely payments out of good faith and a strong desire to fulfill my obligations. 

However, despite multiple requests, Citibank has refused to provide or resend the full written terms and conditions of this legally binding agreement. I have never received a copy of the actual agreement outlining start/end dates, credit reporting impact, payment consequences, or what happens if the account falls behind. Citibank is enforcing this arrangement, yet claims they can not provide a copy of the terms. 

On XX/XX/XXXX, I had a live chat with a Citi representative who explicitly stated that the terms can not be resent. I have saved the full transcript of that exchange, which confirms that Citi is unwilling to disclose the contractual terms they are enforcing. 

I am requesting that Citibank provide the full written terms and conditions of this agreement, including how it is reported to credit bureaus, what happens if payments are missed or partial, and what occurs at the end of the plan. Until then, I am unable to make informed financial decisions and do not have clarity on the long-term implications of the arrangement. 

I am submitting this complaint in good faith, as I have continued to make timely paymentseven under serious financial strainand simply want full documentation of the agreement Citi is holding me to.

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 2025-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC
State: MI

Complaint narrative:
Subject : Formal Debt Validation Request Pursuant to Federal and Michigan Law Dear [ Debt Collectors Name ], I am writing to formally request validation of the alleged debt referenced in your recent communication, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Michigan Collection Practices Act ( MCPA ), MCL 445.252.

Under the FDCPA, you are required to provide verification of the debt, including the amount owed and the name of the original creditor. Similarly, the MCPA prohibits certain practices by collection agencies, including making misleading or deceptive statements in communications with debtors. 
legislature.mi.gov Please provide the following information : Validation of the Debt : Documentation verifying the amount of the debt and the name of the original creditor, as required by 15 U.S.C. 1692g.

Legal Authority : Proof that your agency is licensed and authorized to collect debts in the State of Michigan, in compliance with MCL 445.252.

Itemized Accounting : An itemized statement detailing the original amount of the debt, any interest, fees, or charges added, and the dates these were incurred.

Chain of Custody : Documentation evidencing the transfer or assignment of the debt from the original creditor to your agency.

Furthermore, I wish to bring to your attention recent legislative developments in Michigan that impact debt collection practices. Senate Bill 408, passed on XXXX XXXX XXXX, revises procedures for the collection of judgments, including updates to garnishment exemption categories and amounts. 
senatedems.com Compliance with these updated provisions is mandatory. 

Pending receipt of the requested documentation, I respectfully request that you cease all collection activities related to this alleged debt, including reporting it to credit bureaus, as mandated by 15 U.S.C. 1692g ( b ). Failure to comply may result in me exercising my rights under federal and state law, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Michigan Attorney General 's Office. 
Please provide the requested information within 30 days of receiving this letter. All future communications should be in writing and sent to the address provided above. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief