vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 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: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-03-25 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: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXXC of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 
Sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX, XXXX/XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>

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 2025-03-25 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: OH

Complaint narrative:
I have XXXX situations that I have been unsuccessful at obtaining assistance from MOHELA/MISSOURI HIGHER EDUCATION. 

UNRESOLVED ISSUE NUMBER XXXX I have a student loan with a current balance of {$5300.00} approximately, that was reported to be XXXX  days delinquent, XX/XX/XXXX. After at least XXXX unsuccessful attempts at being able to speak to a representative or being on hold for XXXX Hours, I was finally able to speak to a representative concerning this issue, on XX/XX/XXXX. This account should have been on a forbearance, the representative informed me that it would be taken care of and after my payments were corrected the XXXXday delinquency would be removed. She informed me that she would call me once it was corrected, which takes approximately XXXX  days. 

After not receiving a phone call, I followed up on XX/XX/XXXX. I was informed that it was not corrected as of yet and the representative informed me that she would contact that department and give me a call back. I did not receive a call back, so I called back. This time I was informed that they would escalate to a manager because it should have been corrected, and they will follow-up. 

Today, approximately a month later, I still have not received a correction, update, or phone call. 

UNRESOLVED ISSUE NUMBER XXXX I have XXXX closed accounts with MOHELA, that were closed on XX/XX/XXXX ( XXXX loans ) and XX/XX/XXXX ( XXXX loans ). These are not my accounts, I only have XXXX student loan account, the one prior mentioned. Though these accounts are closed and are no longer reporting a current history on my credit report, they are not my accounts and should be deleted completely. 

The lack of assistance obtained from MOHELA is unacceptable and has caused a great deal of undue harm.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I, a consumer, am notifying you that I dispute this alleged debt of {$160.00} by LVNV FUNDING LLC pursuant to 15 USC XXXXg. I REQUEST THAT YOU PROVIDE TO ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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 HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 



UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/year> Experian XXXXXXXX XXXX XXXXXX/XX/year> Experian XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXXXX/XX/year> Experian XXXX XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XX/XX/year> Experian XXXX XXXX XX/XX/year> Experian

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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have been going back with Experian asking for how they verified my account to be accurate. They stated there was a report that was generated on the " Method of Verification '' taken to confirm a alleged debt. I have asked for that verification over the phone, via the dispute center and the responses I get seem like they are coming from a computer. This is unacceptable and would like to file a complaint. Upon looking into Experian, it seems I am not the only one complaining about this. With that said, I sent them this letter demanding this " Method of Verification '' that was taken. I will attach the letter for you to view. 

I am asking, per consumer code 15 U.S.C. XXXX, which states I am entitled to the a report of how an alleged debt was verified 100 %. To date I still have not received and am prepared to move forward with the arbitration agreement to me and file. 

It seems Experian has not changed anything they are doing whatsover since the lawsuit the CFPB filed against them. I am another victim. 

To confirm my identity I have attached a copy of my DL, SS Card in this complaint

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 2025-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: WI

Complaint narrative:
This complaint coincides with complaint ID XXXX. This is regards to my chime checking account. I was due a account closure check and the amount is incorrect that they sent me. It is supposed to be for {$940.00}. I received the check payment yesterday in the mail and it is for {$800.00}. so they sent me the incorrect amount and shorted me. I have proof in emails from chime that the amount was supposed to be for {$940.00}. It took over XXXX months for them to even send me a check at all. When they had stated XXXX times that they had sent it already throughout the months. And they still get the amount incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I sent a check of {$2000.00} on XX/XX/XXXX To my Home depot credit card Got final bill of XXXX and I paid it on XX/XX/XXXX I Should have had a XXXX balance .Then I get a bill for XXXX supposedly a late fee. I sent a check for XXXX they got it on XX/XX/XXXX. I talked to a manager on XX/XX/XXXX he told me they didn't process it till XX/XX/XXXX which made it late. Now they are stating I owe XXXX. Not right

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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have repeatedly sent disputes of fraudulent information on my credit reports to Experian, Equifax and Transunion. Included in these disputes are documentation that supports my claims such as : FTC reports, actual police reports, notarized court documents as well as proof of my identity. These companies have " allegedly '' done thorough investigations of my credit reports, which resulted in the inaccurate accounts being removed from my credit reports. However, said companies have now reinserted previously removed accounts due to the accounts being verified. Without merit or proper protocol in which I have requested, to be shown exactly how these accounts were verified. As a consumer it is my right. To my understanding if it can't be proven legally and accurately that I had ownership of these accounts, then they are to NOT be reported. If investigations are being conducted properly, how is this even an issue? They are not doing thorough investigations and are going with whatever a creditor states without proof of anything being accurate, that isn't ethical nor is it legal!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
The original loan amount from Santander Consumer USA in XXXX of XXXX was {$25000.00}. Despite making all payments, by the end of XX/XX/XXXX2025 the balance was still {$22000.00}. I have paid over {$9000.00} in interest only and I have applied XXXX and provided necessary documentation that my husband is XXXX XXXX military and they still did not consider lowering the interest rate. It is because of this, with a {$0.00} past due balance I voluntary reposessed the vehicle. As of today, they say I owe {$1500.00} in past due car payments despite having possession of the vehicle since XX/XX/XXXX. These people refuse reconciliation and I believe they are preying on other consumers like myself. They need to be investigated for their crooked business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: CA

Complaint narrative:
Kikoff Lending is a credit builder app. I signed up years ago and cancelled as it wasnt a good fit. They continued to report missed payments on a loan that does not exist. I now get an email saying they charged off XXXX $ and it will appear on my credit. Thats the cost of a subscription through them. A monthly subscription payment being cancelled is NOT credit report worthy or legal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-25 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of ac

counts 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 that I have the right to privacy. 15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : A person shall not furnish any information relating to a co
nsumer 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 2025-03-25 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: KY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: KY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-25 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: MI

Complaint narrative:
Understood. Here 's a concise, paragraph-format CFPB complaint against Experian, incorporating the details you've provided : Subject : Complaint Against Experian for Repeated Failure to Investigate Dispute and Resulting Mortgage Denial I am filing a complaint against Experian for their persistent failure to conduct a reasonable investigation into inaccurate information on my credit report, specifically regarding ten 90-day late payments on a XXXX loan from the University of XXXX XXXXXXXX XXXX XXXX showing up on XXXX and XXXX reports. Despite providing Experian with a letter directly from the University of XXXX  XXXX XXXX XXXX in XX/XX/year> confirming their reporting errors, Experian has repeatedly failed to correct this information. This has directly resulted in the denial of my mortgage application and caused significant financial and emotional distress. I have disputed this inaccurate account seven times over the past year, and Experian continues to disregard the evidence provided. I request that the CFPB conduct a thorough investigation, require Experian to immediately correct the inaccurate information, take appropriate enforcement action, and seek restitution for damages incurred. Supporting documents, including the letter from the University of XXXX XXXX XXXX XXXX and the mortgage denial letter, are attached.

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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-03-25 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: MO

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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: CA

Complaint narrative:
someone used my information to obtain a XXXX XXXX  account that does not belong to me. please remove this account from my credit report.

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