vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 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: PA

Complaint narrative:
I am filing this complaint due to the continued reporting of XXXX separate XXXX XXXX XXXX XXXX accounts on my Experian credit report. These accounts are reported as open and current, but I did not authorize XXXX XXXX to handle these loans. I have no original signed promissory notes, and the original lender has not been disclosed or verified. 
If you take a look, they are all inconsistent across all bureaus. 
XXXX XXXX # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 
This violates : 15 USC 1681e ( b ) Maximum accuracy is not met due to inflated balances vs. original high credit.

15 USC 1681i ( 5 ) ( A ) Unverified and inaccurate info must be deleted, not updated.

15 USC 1681b No permissible purpose shown to report these student loans.

15 USC 1692e & 1692f Reporting multiple fragmented accounts is misleading and creates an artificially high debt load.

FERPA Educational records have been disclosed to and used by third parties without signed consent. There is evidence in the public domain confirming government overreach and misuse of student borrower records.

TILA I have never been provided disclosures by XXXX XXXX nor given informed consent. 
I demand the immediate deletion of these XXXX XXXX XXXX accounts from the Experian credit report. The servicer can not validate the origin or assignment of these debts, and the continued reporting is harming my financial standing without due process. 
If this matter is not resolved promptly, I reserve the right to escalate this with formal legal action under the aforementioned federal statutes. 
Delete all XXXX XXXX XXXX accounts from Experian, immediately. Provide full investigation details and proof of permissible reporting and origin of debt.

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I am furious. I have tried to remove the incorrect address that is on my credit report. There should be ONE address on my credit report and that address is XXXX XXXX XXXX XXXX XXXX GA XXXX. Any address other the one listed above isn't accurate and needs to be removed ASAP! The law 15 U.S. Code 1681i -5 ( A ) states any information that's found to be inaccurate or incomplete or can not be verified shall be deleted. Also 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( ii ) the information is, in fact, inaccurate. Experian is the only credit bureau that shows multiple wrong addresses on my profile, all that never been associated with me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
I feel like the amount of interest they are charging me for this XXXX XXXX XXXX XXXX Commenity Bank credit card is insane. I thought there were federal and state laws that cap credit card interest rates. I make my payments on time for several years ... 35 percent interest rate is killing me and I can not pay down this debt. This interest rate seems fraudulent and not ethical for consumers.... especially for consumers that are responsible and make their monthly payments on time. I was not allowed to talk to anyone on the phone when I called to discuss my complaint to try and lower my interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Pursuant to FCRA 605B and 15 USC 1681C-two I demand that these accounts be removed within four business days as permitted by federal law. 

I have found several inaccuracies and unauthorized inquiries on my consumer report and would lithe accounts updated effective immediately. Personal information. only the name. XXXX XXXX XXXX should be present on my consumer report I would like all of the following names removed. 


XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX these names are aliases and do not accurately or lawfully. Identify me as a federally protected consumer please delete these incorrect names. 

Only the address XXXX XXXX XXXX XXXX XXXX, MO XXXX Should be present on my consumer report. This address is correct. Any other addresses are in accurate and does not accurately represent me as a consumer I can not be reached nor contacted at any of these addresses .. the following addresses must be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX these are non-Mail able addresses. I can not receive mail. I can not be contacted nor do I live here these addresses must be removed immediately In the I would like this in accurate information removed from all forms of my consumer report. Which is my right under 15 USC 6802. EMPLOYERS XXXX XXXX XXXX XXXX XXXX this information must be removed from my credit report because it is incorrect. these institutions. I do not know where this information came from. Please remove this incorrect information from 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 2025-05-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Valon Technologies, Inc.
State: SC

Complaint narrative:
Attempting to close an Escrow account, after 80 % of loan has been paid, information was provided that an outstanding escrow balance had to be paid. Payment was made for the exact stated amount on XX/XX/year> ( and typically takes 4 business days to process ). As of XX/XX/year> Valon states the outstanding escrow balance has increased. 

Payment due amounts are not clearly communicated and appear to be unclear even internally to the Valon associates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: IL

Complaint narrative:
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!

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 2025-05-08 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: AL

Complaint narrative:
RE : XXXX  Block Request To Whom It May Concern I am a victim of XXXX. The information listed below, which appears on my credit report, results from that XXXX. XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX  Account Number : XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, 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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Dear CFPB Representative, I am submitting this formal complaint regarding a creditors unlawful reporting of a late payment on my credit account # XXXX which appears to violate 15 U.S.C. 1666b and 15 U.S.C. 1637 ( a ) ( A ). Under 15 U.S.C. 1666b, creditors are required to provide a minimum 21-day grace period from the time a billing statement is issued before a payment can be considered late. If this grace period was not properly observed, th
en any late fees or negative credit reporting based on that payment are unlawful. 

Additionally, 15 U.S.C. 1637 ( a ) ( A ) mandates that creditors provide clear disclosures of payment terms, including due dates and grace periods. I believe the creditor either failed to provide proper notice or applied payment rules inconsistently. 

I have attempted to resolve this matter directly with the creditor and have not received an adequate response or correction. As a result, the inaccurate late payment remains on my credit report and is 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 2025-05-08 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: CA

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: NC

Complaint narrative:
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!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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 submitting this complaint regarding Experians handling of my personal data and a related dispute I filed concerning inaccurate information on my credit report. My personal information was compromised due to a data breach that I believe involved Experian or was exacerbated by their data handling practices. Following the breach, I identified suspicious or inaccurate entries on my Experian credit report. 

I submitted a formal dispute to Experian, providing documentation to support my claim and requesting the removal or correction of the affected entries. Despite my efforts, Experian failed to properly investigate or correct the inaccurate information within the timeframe required by the Fair Credit Reporting Act ( FCRA ). Their response was either inadequate or did not address the specific concerns raised in my dispute. 

I am requesting that the CFPB investigate this matter to ensure Experian complies with all applicable laws, properly investigates credit disputes, and takes responsibility for the security of consumers personal data. I would also appreciate guidance on any further steps I can take to protect my credit and personal information going forward.

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 2025-05-08 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: FL

Complaint narrative:
Theres an account showing up on my credit report that I did not open and did not authorize this is a clear case of identity theft. Someone fraudulently used my personal information, and I will not be held responsible for an account that has absolutely nothing to do with 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 2025-05-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: TOYOTA MOTOR CREDIT CORPORATION
State: LA

Complaint narrative:
On XX/XX/year> my car was unlawfully stolen by XXXX XXXX XXXXXXXX XXXX I recently submitted a complaint to CFPB regarding my account and the misinformation. This has happened right after I submitted my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: DE

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

Company 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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
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!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: WA

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 2025-05-08 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: WA

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 2025-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
on XXXX XXXX XXXX my Cash App account was compramised. two transactions were done one for {$500.00} and one for {$630.00} to $ XXXX. phone was stolen they were able to change my passcode and face id in order to gain control of my account and had them transfer the money. I told cash app about the transactions and they denied my claim and my appeal due to them stating my phone was used for the transaction. 

i had other transactions reveresed already but these were not. I have given them time to look at it and have had nothing done to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: KY

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Frost-Arnett Company
State: VA

Complaint narrative:
I called the debt collection agency on XXXX at XXXX. I requested a letter of verification of debt and was informed I would receive an electronic copy. I have not received any form of confirmation or communication from the company. I also never received a physical letter of my rights to dispute.

Company response to consumer: Closed with explanation