vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-03 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: NV

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Comerica
State: NY

Complaint narrative:
I keep asking for my direct express card and they won't take the security off my account having me identify myself by email I am mentally challenged this is making me stressful and very depressed This has been happening for years I can't collect my money they charging me fraudulently when I request they send it express please investigate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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:
XXXXThis letter serves as a formal dispute and demand for investigation and verification of the following accounts and credit inquiries currently appearing on my XXXX credit file. I believe these accounts and inquiries are inaccurate, incomplete, and were not authorized by me.XXXXAdditionally, I have reason to believe that my personal information was compromised in the Equifax data breach, which has materially impacted the integrity of my credit report across all major credit bureaus, including XXXX. Despite submitting prior dispute requests, XXXX has failed to fully investigate or remove the challenged accounts and inquiries, in violation of the Fair Credit Reporting Act (FCRA).\n\nUnder my rights as a consumer, I am invoking the following provisions of the FCRAXXXX- 15 U.S.C.  1681g (Section 609)  Right to request all information in the consumers file\n- 15 U.S.C.  1681i (Section 611)  Obligation to reinvestigate disputed informationXXXX- 15 U.S.C.  1681b  Limits on permissible purposes for obtaining a credit reportXXXX- 15 U.S.C.  1681c-2  Right to block information resulting from identity theftXXXXDisputed AccountsXXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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 am writing to formally file a complaint against equifax for reporting multiple hard inquiries that I do not recognize or authorize. Under the Fair Credit Reporting Act ( XXXX U.S. Code XXXX and XXXX ), consumers have the right to accurate reporting and prompt investigation of disputed information. Despite my prior efforts, these unauthorized inquiries remain on my credit report. 

This continued inaccuracy has significantly damaged my credit, resulting in both financial loss and emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: SC

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

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 2025-05-03 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: MD

Complaint narrative:
I am reaching out to request the removal of incorrect addresses from my credit report. The information being reported is inaccurate, and I have included the necessary documents to facilitate this correction. Please process this request promptly and ensure that these addresses are removed without delay.

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 2025-05-03 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: TX

Complaint narrative:
I was on the XXXX app reviewing my credit report on equifax because they sent me an email saying I had to do it and my score dropped from XXXX to XXXX without prior notice and without requesting any service or product even having my credit bureau frized, I would like recovered my score

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: FL

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 
I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: GA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Continental Finance Company, LLC
State: PA

Complaint narrative:
I dispute the repeated charge-off entries for the same account. This is inaccurate under 15 USC 1681e ( b ). Please correct or remove the duplicates and confirm the update.

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am hereby requesting the removal of incorrect information from my credit bureau regarding personal information as well as addresses that do not belong to me, so I ask this institution to remove those addresses that belong to me from my report. 

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, for over 4 years 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 2025-05-02 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: GA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-05-03 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:
Experian Fails at Security! Hackers can change your email address and block you from accessing your account. 

I contacted Experian credit bureau after a fraudulent credit card was opened in my name to have it closed and placed a freeze on my credit account a while ago. Now, I have been attempting numerous times to access my account through the XXXX website as well as calling them and explaining to them that I cant access my account. Every time I try to logon, the account recovery password goes to someone else email account and phone number. I called Experian multiple times and explained to them that Im blocked from accessing my account and credit report because someone else has hacked my account and placed their information as the recovery email and phone number. This account has already been used to open a fraudulent Experian XXXX XXXX XXXX that I closed and now they wont let me manage or even access my account after calling them and verifying all of my personal information with the business. I explained someone has taken over my account and they told me theres nothing they can do about it. I stated, so you know that my account has been hacked, Im telling you the recovery methods used ( email & phone number ) are not mine, and yet they claim they can not do anything to help me. They are knowingly allowing someone else access to my personal information ( social security number, addresses, phones numbers, place of employment, etc., ) to commit further crimes in my name. This is repulsive business coming from XXXX of the top XXXX credit reporting companies and its a scam. Information is being stolen and nothing is being done about it. This is an ongoing issue too. Theres plenty of complains on the internet of this exact issue happening to others for years now. Sadly, they allow anyone to open a new account if they have your social security number and attach anyones email and phone number to you account because there isnt multiple ways to verify your identity.

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 2025-05-03 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: FL

Complaint narrative:
I am filing a complaint against Experian for knowingly reporting a re-aged, time-barred collection account from XXXX XXXX XXXX XXXX XXXX tied to a XXXX XXXX  XXXX  ( XXXX XXXX XXXX  XXXX XXXX ). 

The original transaction occurred on XX/XX/XXXX ( receipt attached ). Despite this, Experian is reporting the account as Opened XX/XX/XXXX nearly 5 years later, thus illegally re-aging the debt in violation of the Fair Credit Reporting Act. 

I previously filed CFPB complaint # XXXX, but Experian ignored my proof and conducted only a superficial reinvestigation, relying solely on the furnishers response. 

Experians failure to delete this account has caused a XXXX point credit score drop, directly costing me over {$8000.00} in higher credit and loan costs. 

FCRA Violations : 605 ( a ) Reporting outdated tradeline 611 ( a ) Failing to reinvestigate properly 1681e ( b ) Not ensuring accuracy of data I request the immediate deletion of this re-aged tradeline, full reinvestigation, and appropriate sanctions for repeated noncompliance.

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 2025-05-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Sezzle Inc.
State: AZ

Complaint narrative:
I opened a Sezzle account a couple of years ago. At first there were no issues. I upgraded to sezzle up and they began reporting to the credit reporting companies. Initially no problems. But I found that sezzle up wasn't worth the additional fees so I down graded. Then my credit score was negatively affected as sezzle would randomly change my spending power. I contacted sezzle who I owed nothing to at the time and was told they could change spending power at anytime. I owed nothing and had spending power in excess of {$500.00} at several of the stores, then overnight my spending power was reduced until it reached {$50.00}. However I owed nothing and had no open orders. I was being penalized for not using the service. After a few months I started again I began making orders and building back up my spending power. I had gotten the spending power back up to {$250.00}. I owed XXXX payments on two orders. I attempted to pay them off early, so I could order again. The payment system rejected several payment attempts from XXXX different accounts that I had money in to cover the amount owed. Theses accounts had been used before to make payments with no problem. I had to wait until the due date where the payments that were due on that date could be made. However because of the rejected payments I had attempted to make prior to any being due, I was penalized for the failed payments and my spending power plummeted yet again, causing my credit score to be affected. Additionally only Sezzle Up members are supposed to have their credit reported, which I'm no longer a member of but because I once was they continue to report. I currently owe two payments totalling under {$60.00}. I am willing to make those payments but would like to resolve the issues as well. Withholding the payment has seemed to be the only reason customer service emailed with me saying they were working to get legal involved. I am filing for arbitration in the matter thru the sezzle terms of service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: NJ

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Byrider Franchising, LLC
State: IN

Complaint narrative:
I am filing this complaint against XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, for failure to accurately report the status of my auto loan to the major credit bureaus, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2. 

I obtained financing for a vehicle through this dealership and have been making regular, on-time payments. However, despite this, the dealership has failed to report my updated loan balance and payment activity to the credit bureaus. As of [ insert date ], my credit report still reflects an outdated balance and/or incomplete payment history, which is materially inaccurate and may harm my creditworthiness. 

Under the FCRA, any company that furnishes information to the credit bureaus is legally obligated to ensure that the data is accurate and kept up to date. This dealerships neglect to do so violates my consumer rights and undermines the integrity of my credit profile. 

I have attempted to resolve this matter directly with the dealership, but no corrective action has been taken. I am requesting that the CFPB investigate this issue and compel the dealership to : XXXX. Accurately update my loan balance and payment history with all major credit reporting agencies. 
XXXX. Provide documentation confirming they are furnishing data in accordance with federal law. 

Attached are supporting documents, including copies of my payment receipts and current credit report entries that show the discrepancy. 

Thank you for your time and prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: Selene Holdings LLC
State: NC

Complaint narrative:
On XX/XX/XXXX I tried to access my account online. I was locked out because my TENANT filed bankruptcy NOT ME OR MY SPOUSE .. We are the ONLY ones on the mortgage loan. My mortgage company attached my tenants bankruptcy case to my loan based off the address. My tenant is in the process of being evicted, I filed a motion to lift the stay with the XXXX XXXX Bankruptcy Court. My Court date is XXXX XXXX at XXXX XXXX. I ask my mortgage company why did they allow his case to be attached to my mortgage. I also email their resolution dept and have not heard from them. This action is unfair to me because I did not file bankruptcy and my mortgage is in good standards, therefore I should be able to access my account. When I call the company it states '' You or someone associated with your loan had filed bankruptcy '' .That is frustrating and untrue. My tenant owes me XXXX but him owing me never effected me paying my mortgage. I have been struggling since XXXX of XXXX to keep my mortgage current and to have my company attach a bankruptcy case to my mortgage based off an address is ridiculous and unfair.

Company response to consumer: Closed with explanation