vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 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: NY

Complaint narrative:
XXXX XXXX XXXX Security Number : XXXX Date of Birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ) .These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 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 # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Company : XXXX XXXX XXXX Reported Date : XX/XX/XXXX Account Opened : XX/XX/XXXX Current Balance : {$11000.00} Original Balance : {$12000.00} Monthly Payment : {$360.00} Loan Term : XXXX  months Last Payment Made : XX/XX/XXXX Current Payment Status : XXXX  Days Late Issue Description : XXXX XXXX XXXX has reported an account with a balance of {$11000.00} to the credit bureaus. I am disputing this account as it is fraudulent I did not authorize or open this account, nor was I made aware of its existence. Despite my efforts to resolve the matter, the company has refused to remove the account, which is negatively impacting my creditworthiness and ability to obtain credit. 

Furthermore, XXXX XXXX XXXX 's, TransUnion, XXXX, and XXXX  actions may constitute violations of several federal consumer protection laws, including but not limited to : 15 U.S.C. 1692j Furnishing deceptive forms : It is unlawful to design, compile, or furnish any form intended to create the false impression that it is being sent by a consumer. 
15 U.S.C. 1692c Communication with third parties : A debt collector may not communicate with any person other than the consumer in connection with the collection of a debt, except under specific conditions. 
I request that this account be fully investigated and removed from my credit report as it does not belong to me and is causing significant harm.

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 2025-05-30 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: PA

Complaint narrative:
Company : XXXX XXXX XXXX Reported Date : XX/XX/XXXX Account Opened : XX/XX/XXXX Current Balance : {$11000.00} Original Balance : {$12000.00} Monthly Payment : {$360.00} Loan Term : XXXX  months Last Payment Made : XX/XX/XXXX Current Payment Status : XXXX  Days Late Issue Description : XXXX XXXX XXXX has reported an account with a balance of {$11000.00} to the credit bureaus. I am disputing this account as it is fraudulent I did not authorize or open this account, nor was I made aware of its existence. Despite my efforts to resolve the matter, the company has refused to remove the account, which is negatively impacting my creditworthiness and ability to obtain credit. 

Furthermore, XXXX XXXX XXXX 's, XXXX, XXXX, and Experian actions may constitute violations of several federal consumer protection laws, including but not limited to : 15 U.S.C. 1692j Furnishing deceptive forms : It is unlawful to design, compile, or furnish any form intended to create the false impression that it is being sent by a consumer. 
15 U.S.C. 1692c Communication with third parties : A debt collector may not communicate with any person other than the consumer in connection with the collection of a debt, except under specific conditions. 
I request that this account be fully investigated and removed from my credit report as it does not belong to me and is causing significant harm.

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 2025-05-30 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Climb Credit Inc.
State: TX

Complaint narrative:
I enrolled in XXXX XXXX XXXX and signed a financing agreement through Climb Credit. After enrolling, I encountered personal circumstances that required me to pause or withdraw from the program. 

I reached out to the school to discuss options, including possible cancellation or deferment of my loan, but they referred me to the contract and refused to initiate a cancellation, which is the only way XXXX will cancel the loan. 

The contract ( linked here : XXXX XXXX XXXX XXXX  ) states that all sales are final and payment obligations remain even if a student stops attending. This structure removes any possibility for students to exit the agreement in good faith and places the burden solely on students, which I believe to be unfair and predatory. 

I am requesting an investigation into whether this school and Climb Credit are engaging in deceptive or unfair business practices and whether any recourse is available to me to cancel or dispute this financial obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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:
To Whom It May Concern, I am contacting you regarding serious fraudulent activity on my credit report. I am the victim of identity theft, and several accounts and hard inquiries were added to my credit profile without my knowledge or authorization. Under the Fair Credit Reporting Act ( FCRA ) Section 605B, I am exercising my right to have this information permanently blocked and removed within 4 business days of receiving this dispute with supporting documentation. 

XXXX XXXX XXXX XXXX Date fraud began : XX/XX/2025 {$660.00} Credit Card Opened by the Thief XXXX XXXX XXXX Date fraud began : XX/XX/2025 {$710.00} Credit Card Opened by the Thief XXXX XXXX Date fraud began : XX/XX/2025 {$380.00}

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 2025-05-30 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:
To Whom It May Concern, I am contacting you regarding serious fraudulent activity on my credit report. I am the victim of identity theft, and several accounts and hard inquiries were added to my credit profile without my knowledge or authorization. Under the Fair Credit Reporting Act ( FCRA ) Section 605B, I am exercising my right to have this information permanently blocked and removed within 4 business days of receiving this dispute with supporting documentation. 

XXXX XXXX XXXX XXXX Date fraud began : XX/XX/2025 {$660.00} Credit Card Opened by the Thief XXXX XXXX XXXX Date fraud began : XX/XX/2025 {$710.00} Credit Card Opened by the Thief XXXX XXXX Date fraud began : XX/XX/2025 {$380.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Bankruptcy ( Equifax ) XXXXXXXX XXXX XXXX - Reference # : XXXX Equifaxs repeated failure to address my disputes with care and thoroughness is now more than just negligenceit has become a pattern, one that echoes the same serious concerns the Consumer Financial Protection Bureau has already investigated . I will not allow my credit file to remain stained by errors that Equifax has failed to verify or remove, especially when that failure comes at a direct cost to my well-being and future. You have an obligation to treat consumer disputes seriously, and yet it feels as though my concerns have been dismissed entirely. 

According to 15 U.S.C. 1681i, Equifax is legally required to reinvestigate all disputed items within 30 days, and to delete any information that can not be fully and independently verified. That means verifiable proofnot assumptions, not recycled data from unreliable sources. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be incomplete, inaccurate, or unverifiable must be corrected or removed entirely. I am demanding immediate corrective action, not another automated response. If you fail to do your job now, I will escalate this matter through every available channel. You are not just mishandling datayou are mishandling lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: TN

Complaint narrative:
( XXXX, XXXX ), ( XXXX ), ( XX/XX/year> ), This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity thef t and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity thef t and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( 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 thef t 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
Consumer complaint received 2025-05-30 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: CA

Complaint narrative:
I have been made aware that due to a recent data breach, my personal information was used to open fraudulent accounts. Pursuant to Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, CA XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX Date : XX/XX/year>

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 2025-05-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
I received a letter stating I have an " escrow shortage '' of {$950.00} that needed to be paid no later than XX/XX/year>. I made said payment through the Citizens Bank web page. I clicked on the " ESCROW '' tab. I paid the amount required, {$950.00}. My payment STILL went up {$100.00} and change. I kept calling and they kept telling me the payment will go down on the XXXX. The payment DID NOT go down. I found out today, the XXXX of XXXX, that Citizens applied {$950.00} paid for the escrow shortage to my PRINCIPLE! Last year, Citizens did similar however my payment only increased a couple dollars. This year NOT ONLY did I pay the shortage on-time, but they also applied it to the wrong account, and they are increasing my payments by over {$100.00} dollars a month. {$100.00} a month is {$1200.00} a year. BUT YET my shortage is {$950.00}. The math doesn't math!! the payment increased over a XXXX dollars and they applied. NOT ONE employee at Citizens gives the same answer when questioned. ALL I GET IS A RUNAROUND! I CAN NOT AFFORD to have my payments increase over {$100.00} a month! My payment is going to be late this month, and they are charging me a fee because they screwed up. My payment is ALWAYS paid on-time! Last year when this happened, I was never informed that my payment increased. I paid my regular payment and they sent it back to me refusing payment because it was {$7.00} short. Now they take my {$950.00} and yet SAY NOTHING! WHY would I pay {$950.00} unless they told me to? 

They are refusing to look at my property taxes which WENT DOWN {$300.00} a half or {$600.00} a year. Representatives have told me my taxes reduced, $! XXXX, another said {$200.00} and yet another said {$300.00}. NO, MY property taxes have reduced over {$600.00} a year! I have told them this several times! 

Lastly, when we call, we have to speak to foreigners in XXXX. IT IS NOT SAFE for a 3rd world country to have my personal information or for me to have to speak to someone that doesn't care!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Date of Birth:XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : XXXX XXXX XXXX XXXX  BALANCE : {$13000.00}, XXXX XXXX XXXX XXXX XXXX XXXX  BALANCE : {$75000.00}, XXXX XXXX XXXX XXXX XXXX XXXX BALANCE : {$28000.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCE : {$0.00}. I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by your agency are the result of identity theft and fraud. I have attached a copy of the FTC identity theft report number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are 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
Consumer complaint received 2025-05-30 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:
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 XXXX XXXX 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 explanation
Consumer complaint received 2025-05-30 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: NV

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: FL

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Comnt is [ FTC Complaint Number ], filed on [ FTC Complaint Date ]. mission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complain FTC Report Number : Date XX/XX/XXXX XXXX Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/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 2025-05-30 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: CA

Complaint narrative:
Due to being a victim of a recent data breach, unauthorized accounts have appeared on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), I request immediate blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXXXXXX CA XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX L Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX  Date : XX/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 non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
After checking my credit report ( s ) with XXXX XXXX, and XXXX I discovered that Resurgent/LVNV Funding had reported the following inaccurate information : Acct # XXXX Alleged Amount Owed : {$510.00} Acct # XXXX Alleged Amount Owed : {$790.00} I sent Resurgent/LVNV Funding via certified mail a Request for Debt Validation Pursuant to 15 U.S.C. 1692g ( b ). Attached is the letter I sent on XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: FL

Complaint narrative:
My name is misspelled in several of the companies, the room address they use is incorrect, the date of birth is wrong.

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