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

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 2025-05-05 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: CA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Experian data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Payward Ventures Inc. dba Kraken
State: CA

Complaint narrative:
I received an unexpected email from XXXX informing me that my account would be closed within 48 hours. The message stated that, for " security reasons, '' they could not disclose the reason for this decision and that deposits had already been locked. I was instructed to withdraw any remaining funds before the deadline, after which the account would be permanently closed. No prior warning, specific reasoning, or opportunity to resolve the issue was provided. 

As a U.S. citizen authorized to use XXXX 's services, I have always complied with the platform 's terms. I frequently travel, which may reflect in varied login activity, but this is a normal part of my lifestyle and should not be considered suspicious. I reached out to XXXX support to request clarification and offer to verify any information needed, but received no response or explanation beyond the original message.

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 2025-05-05 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: MD

Complaint narrative:
This item was purchased by a Third Party Debt Collector.

This account must be deleted as the status is not correct, the amount is not correct and account was paid for less than owed by the Third Party Debt Collector.

As you can see by my attached credit reports and highlighted issues. This information is NOT CORRECT & NOT ACCURATE. There For it must be DELETED IMMEDIATELY. 
Here is the account name and number for reference and incorrect amount also. It is only reporting to Transunion! 

XXXX XXXX XXXX XXXX XXXX XXXX  How much did this collection company pay for this item? I dont know and neither does my credit report reflects such amounts. This is a clear violation the FCRA as this is not accurate or complete. DELETE THIS IMMEDIATELY!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: FL

Complaint narrative:
I have been falsely charged from a company that I do not recognize and address is not my address or anything associated with it, the debt should be removed from my credit report due to the wrong reporting

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

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint due to the continued and unlawful reporting of inaccurate, incomplete, and unverifiable information on my consumer credit report by Experian, Despite multiple prior disputes and the submission of verified documentationincluding an FTC Identity Theft Reportthis company has failed to conduct a lawful reinvestigation or correct/remove the disputed item in violation of federal law. Violations Involved : - FCRA 1681i failure to properly investigate disputed information within 30 days.

- FCRA 1681s-2 ( a ) continued reporting of information known or reasonably known to be inaccurate.

- Regulation V ( 12 CFR 1022.43 ) failure by furnisher to comply with direct dispute obligations. 

This behavior is nearly identical to the misconduct referenced in prior CFPB complaints such as : - CFPB Complaint # XXXX resulted in non-monetary relief and correction of identity theft-related errors. 
- CFPB Complaint # XXXX resulted in successful removal of unverifiable account data following a formal dispute. 

Consumer Harm and Requested Relief : As a direct result of this companys ongoing violations, I have suffered : - Inaccurate credit reporting affecting creditworthiness and financial opportunities. 
- Emotional distress and unnecessary time and effort to correct this issue. 
- Denials or unfavorable terms for financial products due to incorrect reporting. 

XXXXXXXX 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

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 2025-05-05 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: 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 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 2025-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Carvana Group, LLC
State: IL

Complaint narrative:
I purchased a vehicle through XXXX on XXXX XXXX! The car a XXXX XXXX fusion with XXXX miles on it. Everything went smoothly, I identified myself over the phone ( because I have a fraud alert on my credit file ), and they approved me over the phone and processed my down payment of {$1200.00}. The car got delivered to my address on XX/XX/XXXX. When it was delivered I noticed things about the car that wasnt advertised online and made the hauler document it. Once I started driving the car I noticed a strange noise coming from the engine, the speaker system was popping, the back passenger door was missing a piece, the trunk liner wasnt flat, still had damage from a previous accident, and it had open recalls ( the doors just open once you pull the door handles even if its locked )! So I decided to exchange the vehicle within the 7 day period which XXXX allows you as advertised on XX/XX/XXXX! We did everything over the phone again, the agent worked the numbers out and lowered my warranty that I purchased to 12 months instead of 24 months ( so the owed me a refund of {$200.00} )! It was the same car only XXXX XXXX fusion with XXXX miles. I verified myself on the phone again and they requested documentation proving my address which is on my credit report as well. I submitted the required documentation which was verified while I was in the phone and the exchange was approved. My new delivery date was XX/XX/XXXX! So on XX/XX/XXXX I received an email at XXXX saying the vehicle is arriving tomorrow. Then at XXXX I receive an email saying your order was placed! Then I receive notice that my delivery was changed to pickup in XXXX XXXX on XX/XX/XXXX! Then finally I received an email at XXXX that said the whole order was cancelled. I called XXXX and the agent had no idea what was going on and could only give me an email to contact a certain department. I emailed that department and havent received any response. So now I just have possession of a vehicle that XXXX dont show on the website in my portal which is very strange.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: LA

Complaint narrative:
Account : NATIONAL CREDIT SYSTEM # XXXX im unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified Mail with receipt displaying my signature. If not, please delete Account # XXXX as soon as possible from my report or i will have to take legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2025-05-05 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 2025-05-05 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: UNITED STATES MINOR OUTLYING ISLANDS

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: UNITED STATES MINOR OUTLYING ISLANDS

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my 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 non-monetary relief
Consumer complaint received 2025-05-05 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: IL

Complaint narrative:
Please block and delete the unauthorized accounts from my credit file immediately. I have no knowledge of these accounts and did not authorize their creation. Pursuant to USC 1681g, I am formally requesting their removal within 15 days. Supporting documents are enclosed for your review. I also noticed inconsistent and inaccurate account information being reported to each bureau.

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-05 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: TX

Complaint narrative:
I am writing to formally lodge a complaint against these accounts concerning the unauthorized reinsertion of items that were previously removed from my credit report. Despite having successfully resolved this issue before, these items have reappeared, causing undue distress and potential harm to my credit standing. Please see attached documents for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: MN

Complaint narrative:
I received written notice from MOHELA on XX/XX/XXXX indicating that my student loans were forgiven under XXXX and the forgiveness was effective as of XX/XX/XXXX. I emailed MOHELA to inquire on the status of the refund on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and was advised that my refund amount of {$1800.00} would be processed within 120 days of the date the loans were forgiven and issues by the U.S. Dept of Treasury. It has now been over 2 years since the effective date of the loan forgiveness and over 120 days since I received the letter from MOHELA informing me of the forgiveness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big City Finance, LLLP
State: TX

Complaint narrative:
I am filing a complaint against Power Finance Texas for what I believe to be predatory and unfair lending practices, as well as questionable handling of my personal information. I took out a loan for {$590.00}, and although I signed the agreement, the terms have proven to be grossly unfair and harmful. I have now repaid the equivalent of this loan more than twice, yet I am still being charged and pursued for additional payments totaling nearly {$2500.00}. 

This repayment amount, in relation to the original loan principal, raises concerns under the Truth in Lending Act ( 15 U.S.C. 1601 et seq. ), which requires lenders to clearly disclose all costs, APR, and repayment obligations. While I signed the agreement, I believe the structure of the fees and interest charged is excessive and exploitative, violating XXXX XXXX Code 302.001 ( b ), which generally limits interest rates to 10 % per year, and possibly qualifying as unconscionable under UCC 2-302.

Additionally, it is my understanding that Power Finance Texas may be working through or selling loans to third-party lenders or servicers. If my personal identifying information was shared or transmitted without proper consent or full disclosure, this raises further concerns under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and may also violate the Texas Identity Theft Enforcement and Protection Act ( XXXX XXXX XXXX XXXX. Code 521.052 ). 

I am requesting that the CFPB review this matter, investigate this lender for potential Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) under 12 U.S.C. 5531, and determine if any action should be taken to protect other consumers from falling victim to these types of practices. 

I am willing to provide copies of the original loan agreement, all payment records, and any additional documentation required. My goal is to bring attention to what I believe is a manipulative lending scheme that targets vulnerable individuals in financial hardship and fails to comply with consumer protection laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation