vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-20 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: MN

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.
15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-08-20 00:00:00
Product: Student loan — Private student loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: EdFinancial Services
State: PA

Complaint narrative:
Notification to Agent is Notification to Principal ; Notification to Principal is Notification to Agent. 

I am writing to you for the second time, and you continue to refuse to acknowledge my rights under federal law and are illegally reporting my student loan account to Consumer Reporting Agencies ( CRAs ).

Legal Basis for My Request Fair Credit Reporting Act ( FCRA ) 15 USC 1681b You have reported my private information to unaffiliated third parties ( XXXX XXXX  and XXXX  ) without my written consent or a permissible purpose. This constitutes a direct violation of the law 15 USC 1681b. 

Gramm-Leach-Bliley Act ( GLBA ) 15 USC 6801 and 6802 According to 15 USC 6802 ( b ), you are obligated to provide me with clear and conspicuous notice about my right to opt-out of sharing my non-public personal information before disclosing it. Since I did not receive such notice and was not given the opportunity to exercise my right, your actions are illegal. 

Identity Theft and Unauthorized Use of Information 18 USC 1028A By continuing to provide my private information without my consent, you are transferring, possessing, or using my identifying information without lawful authority, which constitutes aggravated identity theft under 18 USC 1028A.

Civil Liability for Willful Noncompliance 15 USC 1681n Your refusal to delete this account after my legal request puts you in violation of the law 15 USC 1681n, subjecting you to statutory damages of up to {$1000.00} per violation, in addition to punitive damages and legal fees.

I Demand Immediate Action I am exercising my right to opt-out of sharing my private information under 15 USC 6802 ( b ). I demand that the following actions be taken within 10 calendar days of receipt of this notice : 1. Immediately delete the disputed account ( s ) from my credit reports with XXXX XXXX XXXX XXXX

2. Provide me with all disclosures in accordance with 15 USC 6802 ( b ), which you were obligated to send me before sharing my non-public information.

3. Send me written confirmation of the deletion of my account from all credit agencies.

In case of non-compliance : If you fail to comply with my legal request : - I will escalate this matter to my State 's Attorney General and consider taking legal action for willful noncompliance.

- I will seek {$1000.00} in statutory damages under 15 USC 1681n for each violation, in addition to any actual damages incurred due to your conduct.

Important Instructions I require that all future communication related to this matter be conducted in writing and sent via Certified USPS Mail to the address indicated above. Any attempt to contact me by phone, email, or other means.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: FL

Complaint narrative:
national direct loans impersonated us department of education and place an erroneous loan and amount and address on Equifax. I did go to school in the XXXX but not XXXX - if someone obtained a loan in my name at an erroneous address years ago why is it showing on my report now? All companies impersonating the us dept of Ed need to show up honestly and not after a XXXX XXXX and with actual true loan information. I paid my loans long ago with the help of a lawyer for this to show up and then be just marked as closed on my credit accounts hurts me unnecessarily. I will alert the FTC as the entity did not accept certified mail, regular mail or registered mail- all was sent back and phone numbers proved to be false as well. In other words I can't get the false information off of 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 2025-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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 discovered a hard inquiry from XXXX XXXX XXXX XXXXXXXX on my Equifax credit report dated XX/XX/year>. I did not authorize this inquiry and did not apply for credit with this company. This was identity theft. I already contacted the company and asked them to cancel any attempts to use my information. I request that Equifax remove this unauthorized inquiry from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Kikoff Inc.
State: TN

Complaint narrative:
Cancelled my account several days ago and sent a notice of ACH Revocation, which they acknowledged. To this day, Grant is still trying to take money out of my account. They have called my cell phone and threatened me several times. This needs to stop. They do not fulfill thier terms in the contract I signed and this is why I have revoked ACH Authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
i have noticed several inaccuracies on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
i have noticed several inaccuracies on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: AL

Complaint narrative:
Experian is reporting inaccurate and unverifiable personal identifiers and accounts on my credit report in violation of the Fair Credit Reporting Act ( FCRA ) and the XXXX Metro 2 reporting standards. Specifically, Experian is inaccurately reporting multiple versions of my name ( e.g., XXXX XXXX XXXX, XXXX XXXX ), outdated and incorrect addresses, and employer data that are not mine. These identifiers do not match my legally correct and uncontested identifiers : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX AL XXXX SSN ( last four ) : XXXX  XXXX : XX/XX/XXXXXXXX  Additionally, Experian is allowing reporting of unverifiable accounts, including inquiries ( e.g., XXXX XXXXXX/XX/XXXX ) and a XXXXXXXX XXXX XXXXXXXX account with incomplete and non-Metro 2 compliant information. Reporting with truncated or inconsistent account numbers fails the XXXX ( Metro 2 ) requirement that any deviation jeopardizes the integrity of the data. 
Despite my written disputes, Experian has not provided verifiable proof that these items meet the FCRA requirement of maximum possible accuracy ( 1681e ( b ) ) or disclosed the method of verification. Experian continues to publish inaccurate and injurious information about me, damaging my creditworthiness.

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 2025-08-20 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: IL

Complaint narrative:
Hello, I am reaching out to request corrections to my personal information on my credit report, as it is currently inaccurate and has been causing me issues with my credit applications. This has become very frustrating and is unfairly affecting me.

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 2025-08-20 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: NV

Complaint narrative:
There is a hard inquiries on my TransUnion credit reports that I have not made : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - also opened and closed as a credit card, which is fraudulent. 

These were not made in my name. Please remove them 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 explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: CO

Complaint narrative:
I received notice today XX/XX/year>XXXX   that US Bank has closed down effective immediately all 3 of my bank accounts with them. With zero warnings or notifications prior. They cut me off from all of my funds. They closed my personal checking account, my personal savings account, and my business account. The personal checking and savings account i have had with US Bank for over 20 years. The business account was a new account that was only opened in XXXX of XXXX. That account was opened with {$100.00} initial deposit by myself. A week or so later my partners and i funded the account with {$12000.00} in starting XXXX. We then sent a single wire out to a vendor of ours in preparation for launching the business and that wire was for {$5000.00} to pre fund a reserve for our merchant processing account. we never actually launched the business and used it outside of some internal transfers from the business account to my personal account. My personal account received a {$15000.00} from my XXXX today XX/XX/year> and when i went to go try and check the status i was locked out of my accounts. That same financial institution holding my XXXX has deposited money into that same US Bank account at least 5-10 times with no issues. The Bank will not tell me what went wrong, and will not give me any reasoning or justification for the closures and are holding all of my funds and are saying that i will receive them in 3-5 days via a cashier 's check, but i have no way of verifying that as every single time i call back they refuse to talk to me. Those were the only 3 bank accounts i have in my possession and they have every single dollar of money i have to my name at the moment. i really need answers as to what happened as i have never had an issue with US Bank in 20 years. I have contacted my personal banker who setup the business account for me and they continues to reassure me through the whole set up process that the account was being set up properly and that we were " good to go and able to start using the account for the business ''. I have no answers and no money and i need help please.

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 2025-08-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing this complaint against TransUnion for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The account in question is : XXXX XXXX XXXX XXXX Late Date XXXX. XXXX to XXXX XXXX, XXXX XXXX to XXXX. XXXX and XXXX XXXX. These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to TransUnion, yet TransUnion continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with TransUnion under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. TransUnion failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. Despite this, TransUnions reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

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 2025-08-20 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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