vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 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: SC

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. Thank you.

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 2025-05-13 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:
On XX/XX/XXXX I have become a victim of identity theft. Accounts have been opened without my knowledge and are currently damaging my reputation and making me feel devastated, not only emotionally, but also financially. It is clear that I have been the target of a fraud that has damaged my credit history and jeopardized my financial stability. I urge you to immediately BLOCK and DELETE all fraudulent accounts related to this identity theft, including the following unauthorized accounts AFFIRM XXXX Unsecured Loan - opened on XXXX XXXX credit card - opened on XXXX XXXX  XXXX XXXX Account # : XXXX - opened on XXXX XXXX  XXXX XXXX Account # : XXXX - opened on XXXX XXXX  XXXX XXXX Account # : XXXX - opened on XXXX Additionally, I request the removal of the following unauthorized credit inquiries that were also part of this fraud in which I had absolutely no involvement. : XXXX XXXX inquiried on XX/XX/XXXX XXXX XXXX XXXX  Inquiried on XX/XX/XXXX XXXX XXXX I Inquiried on XX/XX/XXXX XXXX  Inquiried on XX/XX/XXXX XXXX XXXX Inquiried on XX/XX/XXXX XXXX  XXXX  Inquiried on XX/XX/XXXX XXXX XXXX  Inquiried on XX/XX/XXXX XXXX XXXX  Inquiried on XX/XX/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 2025-05-13 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: FL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
On or about XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) lawfully held by a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) was seized from private property in XXXX XXXX  without any prior notice, verified debt, or judicial order. 

The company XXXX Exeter Finance ) failed to provide : The original wet-ink promissory note, A valid security agreement, Proof of perfected lien, Or any verified claim prior to initiating repossession. 

The vehicle was towed by XXXX XXXX a third-party repo company that refused to accept legal notices, provided no contact method beyond text, and redirected all liability back to Exeter. 

I formally requested validation of the debt and proper notice. Exeter failed to provide lawful proof and instead demanded a {$5000.00} payment via unsecured channels ( XXXX, debit card, etc. ) without verifying their claim or lien. 

This repossession was executed without due process and without honoring lawful requests for verification. It constitutes unauthorized seizure of trust property, commercial dishonor, and violation of federal consumer protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Gravamen Asset Management Group LLC
State: TX

Complaint narrative:
I recently reviewed my credit reports and was shocked to find a collection account from Kessler & Williams. for what is purported to be a XXXX XXXX debt. I am formally disputing this collection, as I do not recognize the debt and have no recollection of ever having this account. Furthermore, I have never received any communicationwhether by phone, text, email, or mailregarding this alleged debt. This includes the Dunning letter that is required to notify a consumer of a collection. The lack of prior notification has raised significant concerns regarding the validity and accuracy of this account. Due to this erroneous reporting, I have encountered difficulties securing credit, which is now directly impacting my ability to obtain a home loan. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you immediately remove this collection from all credit reporting agencies and cease any further collection efforts regarding this disputed debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with cash advance — 
Company: Opportunity Financial, LLC
State: TX

Complaint narrative:
Loan claimed to be issued through email XXXX XXXXXX/XX/XXXX though not present in bank account as of XXXX days later. Daily interest compounding began XXXX XXXX XXXXXX/XX/XXXX. Company leaves emails unresponded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
On XX/XX/XXXX I had multiple fraud activity on my Wells Fargo accounts - money transfers between accounts, a transfer of {$9800.00} to an XXXX XXXX  card, and money taken out of an ATM in a different state. My phone and my XXXX XXXX  were compromised during the fraud. I had to completely scrub my phone and create a new XXXX XXXX. I did this with the assistance of XXXX support as they told me that my previous XXXX XXXX  appeared to be hijacked and was showing different email addresses than any email addresses previously associated with it. On the day of the fraud I went into a bank and, with a Wells Fargo employee, spoke with the fraud department and reported all of the fraud. The {$9800.00} transfer to the XXXX XXXX  was pending at that time. The representative from the fraud department told me the transfer would be cancelled. The next day XX/XX/XXXX, I again went into a Wells Fargo branch to close the accounts and open new accounts. The {$9800.00} transfer was still pending. Again, with a Wells Fargo employee, I spoke to their fraud department over the phone clarifying all of the fraud activity, The transfer was still pending, and again I was told by a 2nd representative of the fraud department that it would be cancelled and wouldn't go through. The transfer did in fact go through on XX/XX/XXXX. Today, XX/XX/XXXX, I was told my fraud claim was denied because their investigators didn't find anything to support my fraud claim. I again reiterated to the representative that I had been told it would be cancelled by 2 separate people in their fraud department when I first reported it. She said I should never have been told that because they can't cancel pending transactions. I asked for the specifics for the denial and she said she could not give me those because it would be a security risk to the bank.

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 2025-05-13 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am filing a complaint under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2 and 1681i. A collection account on my credit report is inaccurate, and after I disputed it, the reporting party failed to properly investigate or correct the error. This is affecting my creditworthiness and violates my rights under federal law. '' 15 U.S.C. 1681i If you dispute an account, the credit reporting agency must investigate within 30 days and correct or delete inaccurate info.

15 U.S.C. 1681s-2 ( a ) Debt collectors must report accurate information. If a collector reports false or outdated info ( e.g., a paid collection still showing as unpaid ), it may violate this section.

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 2025-05-13 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: BSI Financial Holdings, Inc.
State: AZ

Complaint narrative:
XXXX XXXX offered an option to change from a one-time monthly mortgage payment to bi-monthly, advertising this as an ideal option to facilitate paying down interest. I made the change to bi-monthly beginning XX/XX/XXXX. Bi-weekly payments have been on-time since enrollment. I noticed and error message in my account that I had a late payment, as well as late payments showing on my credit report. I contacted XXXX XXXX on XX/XX/XXXX to dispute this. I was reassured that it was not being reported and would not affect my credit as I was making the payments on time and in good standing. Recently, I applied for a loan and was declined due to 6 months of late payments reported to the credit bureau. I contacted BSI Financial again on XX/XX/XXXX and was told that someone would contact me by XX/XX/XXXX. The customer service representative that I spoke to denied that they had been reporting me for late payments, despite the Transunion credit report showing XXXX months of late payments from BSI Financial that I submitted for their review. I asked for a supervisor and was able to leave a voicemail, though no one has been able to provide any answers or resolution since XX/XX/XXXX when this issue was first reported. 

Please find bank statements, the Transunion Credit Report and views from my BSI Financial account attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hey the status in my dispute is not reading rite, Ive been in dispute but wen I check my XXXX XXXX its still say dispute resolved reported by grantor. I dont see how its that, that violates my FCRA rights thats grown for deletion

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 2025-05-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NJ

Complaint narrative:
I have made numerous student loan payments to MOHELA that are not being reflected in my account history or total balance. Despite the payments being successfully processed through my bank ( with records confirming the amounts and dates ), they do not appear on my MOHELA account summary. 

The issue began in XXXX when my student loans were first moved to MOHELA. I contacted MOHELA customer service on numerous occasions including call and sitting for hours for a representative. The issue remains unresolved. I was either told the payments would be reflected shortly or received no clear explanation. 

This has caused confusion and concern, as my loan balance appears inaccurately high. I am requesting a thorough review of my payment history, a correction to my account balance, and confirmation that all payments have been properly applied. 

In addition, my original loan was a Parent PLUS loan that were originally taken out in my mother 's name. My mother has since passed away, and I was advised by a loan servicer to consolidate these loans. Based on that guidance, I proceeded with the consolidation. However, this process has resulted in loans originally in my late mother 's name being placed under my responsibility. From my understanding, Parent PLUS loans should be discharged upon the death of the borrower. Instead, I am now carrying the balance of loans that should have been dissolved after her passing in XXXX. 

I have contacted MOHELA support about both issues the improper consolidation and the missing payments but have not received a satisfactory resolution. I am requesting a full review of my account, including an investigation into the improper consolidation of Parent PLUS loans and a correction of the payment records and outstanding balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I kindly ask for the immediate removal of this inquiry from my credit report, as it is not connected to me, and I have no relationship with the creditors involved.

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 2025-05-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Sezzle Inc.
State: FL

Complaint narrative:
Sezzle is inaccurately reporting my account as charged off every month from XX/XX/XXXX through at least XX/XX/XXXX. This violates XXXX XXXX reporting guidelines and the Fair Credit Reporting Act ( FCRA ). A charge-off should only be reported in the month it occurred, not repeatedly over time. 

This pattern is considered re-aging, which is misleading, harmful to my credit profile, and not compliant with accurate credit reporting standards. 

I am requesting that Sezzle : XXXX. Immediately stop furnishing repeated charge-off notations. 
XXXX. Correct the reporting to reflect a single charge-off event. 
XXXX. Provide written confirmation of correction to all credit bureaus. 

Ive attached screenshots ( XX/XX/XXXX to XX/XX/XXXX ) showing these ongoing violations. Please help ensure this is corrected under FCRA compliance. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: AL

Complaint narrative:
My account has been improperly hacked and has been expose in data Breach. I would like all negative accounts removed from my 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 explanation
Consumer complaint received 2025-05-13 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: PA

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate. XXXX XXXX Co # 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