vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-24 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: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-03-24 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Between XX/XX/ and XX/XX/XXXX  someone has used my personal information to apply for an Auto Loan. They tried multiple institutions using my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: The CBE Group, Inc.
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX hired a collections company called The CBE Group, INC to collect a debt not owed in the amount of {$1600.00}. The University  was fined over XXXX XXXX dollars for the high-pressure sales tactics committed against students, and I was among the many victims here and in the tens of millions in fraud committed by the XXXX XXXX XXXX XXXX XXXX XXXX This is an example of the utter arrogance of company as I already had over {$80000.00} forgiven by government due to fraudulent actions of university and they try this filthy underhanded tactic!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I open a XXXX  savings account XX/XX/XXXX to be able to take advantage of their high APY on their savings account. On my mistake I didn't realized that I had to do direct deposit to be able to get there higher APY instead it was set at a lower %. I linked my XXXX XXXX business account to transfer money. I transfer XXXX back to my business checking account on XX/XX/XXXX when I realized that and called Sofi to close the account. 

I didn't notice when the first {$300.00} was taken from my XXXX XXXX account. on XX/XX/XXXX which was closed. 

I notice a {$850.00} taken from my XXXX XXXX account on XX/XX/XXXX and contact them right away. As soon as I was going throw my account I notice the other {$300.00} also and did a ticket for both. 

I also contact XXXX XXXX which they refund me the {$850.00} after they investigated and found it to be fraud. Since the {$300.00} was too far off they told me to contact Sofi for that amount. 

Sofi don't want to refund me the {$300.00} since they concluded that it was not fraud when I didn't make that transfer nor do I own an account in XXXX XXXX  And XXXX. 

This shouldn't have happen since I had closed the account. I just want my money back.They kept my account open when it was closed by me before this happened without my permission and took money without my doing from my business account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( 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 non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: MRS BPO, LLC
State: CA

Complaint narrative:
XXXX XXXX billed me {$930.00} without providing an itemized breakdown and sent my account to collections ( MRS BPO LLC ) before issuing a final paper bill. I attempted to resolve overcharges related to duplicate insurance on a dual XXXX device over a period of two years. XXXX promised account credits that were later reversed without explanation. 

I could not access my account online despite repeated attempts and was told by XXXX that I would still have access post-disconnection. This was false. 

MRS BPO LLC began contacting me via text before I received the final paper bill, and the balance they claim is not fully validated. I have sent a debt validation request to MRS and a formal complaint to XXXX, but I believe both are engaging in unfair billing and debt collection practices. I am requesting the CFPB to investigate and intervene.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( 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 2025-03-24 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( 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 2025-03-24 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, Engelhardt V. Gravens ( 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 non-monetary relief
Consumer complaint received 2025-03-24 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
On XX/XX/year> my account was used to purchase a vehicle. I did not authorize the dealership to contact so many loan providers creating an excessive amount of hard inquiries. 

Also, XXXX XXXX and XXXX send emails advertising a new credit card or auto refinance options available that are guaranteed. The options are not guaranteed and they add another hard inquiry on your account when denied. 

When I bought my car on XX/XX/year> I knew I had to refinance due to my loan issues from my previous car and the interest rate being so high. With the hard inquiries on my account from the new loan purchase I am being denied because of the amount of hard inquiries. Its a vicious cycle. 

As promised, I have made every payment on time, and paid more than the monthly payment owed. But the hard inquiries block the opportunity to refinance now that I have done the repair work. I cant wait 2 years with the current interest rate as high as it is. Im wasting money and time. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: IL

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
XXXX XXXX XXXX  This bank was sent this notice by me PROBLEM I keep getting messages Text calls and e-mails when I paid the amount owed per month, ( XXXX ) However if I am 24 hours late I get slapped with a XXXX dollar late fee. i paid 2 payments XX/XX/year> about 10 days late and paid XX/XX/year> early and now I have an XXXX dollar late fee.for Each Month!! The card is a synchrony bank care credit card used by XXXX  and XXXX  for my co-pays, I will try talking to a rep again using a phone not a chat apponline. You can go through several supervisors and not get a break.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
in XX/XX/XXXX, New Rez took over the servicing of my mortgage. I had just requested a escrow waiver with the old servicing company and thought that the tax payment for XX/XX/XXXX was paid. I received a notice my property taxes were past due and the old servicing company said that New Rez would have paid that. New Rez said they didn't have funds to pay it because escrow was closed and XXXX bal. I went in to pay the taxes but New Rez had paid them since they were past due. New Rez then set up an escrow account. I tried to get the escrow account waived again, but New Rez refused because taxes had been past due. I accepted that although I believe that wasn't fair dur to the change of servicing causing the past due taxes. I then had my taxes reduced from {$18000.00} per year to {$4000.00} and tried to get the escrow payment reduced to reflect that. My first request for an escrow analysis and reduction was in XX/XX/XXXX I made subsequent requests every 2 months since. I have escalated it 3 times and still not corrected. I am paying {$1300.00} more per month for my escrow account than is required for over a year. My last request is dated today and they said it will be done in 30 days, but I have been told that several times before. I would like to get escrow waived if possible.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: MD

Complaint narrative:
Someone created an Experian account with my information and it is impossible to get help or support on this issue. No live person is available to talk to from the main number, the automated agent sends you in circles and then hangs up on you. For a company that can have such a huge impact on a person 's life, this is outragous and needs to be investigated.

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 2025-03-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX 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 XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: TX

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 
Delete the accounts below : 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

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 2025-03-24 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: AR

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 non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Nelnet, Inc.
State: FL

Complaint narrative:
School was involved in illegal activities affecting student loans

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: Atlanticus Services Corporation
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Inaccurate Late Payment Reporting Under 15 U.S. Code 1681 Dear XXXX, I am writing to formally dispute the inaccurate reporting of late payments on my credit report related an account. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681, credit bureaus are required to report only accurate, complete, and verifiable information. 

Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), I formally request that XXXX conduct a thorough reinvestigation of this disputed information. If the late payments can not be 100 % verified as accurate and substantiated by the data furnisher, they must be removed immediately from my credit file and account be updated to current and paid on time never late. 

Additionally, per 15 U.S. Code 1681e ( b ), credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy. Failure to do so results in the inclusion of misleading or false data, which is a direct violation of my rights under the FCRA. 

I expect this matter to be resolved within 30 days, as required by 15 U.S. Code 1681i ( a ) ( 1 ) ( A ). Failure to comply with FCRA regulations may result in further legal action. 

Please update me with the results of your investigation in writing. Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
On Thursday, XX/XX/year>, I contacted XXXX about fraudulent charges I saw on my account. I did not authorize any XXXX transactions and I did not order anything, and XXXX can't find anything in the system that shows I ordered anything.

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 2025-03-24 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: WA

Complaint narrative:
As I was in review of my credit report I came across some hard inquiries that are not mine.

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 2025-03-24 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: NEW CITY FUNDING CORP.
State: NY

Complaint narrative:
I want this removed from my account I have no ideal of these loans under my name I never had a car from this company, im getting calls and letters for a car I never seen before

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: GA

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Dispute of Fraudulent Accounts Due to Identity Theft Dear [ Sir/Madam ], I am writing to inform you that I am a victim of identity theft. The information listed below, appearing on my credit report, is not related to any transactions I have made and is a result of identity theft. 

Account Name : XXXXXXXX XXXX  Account Name : XXXXXXXX XXXX XXXX  Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX Account Name : XXXX XXXX  Account Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Please block this fraudulent information from my credit report pursuant to section 605B of  the Fair Credit Reporting Act ( FCRA ) and send the necessary notifications to all furnishers of this information.

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