vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-25 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 explanation
Consumer complaint received 2025-04-26 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: IL

Complaint narrative:
I demand the removal of all fraudulent hard inquiries from my credit report within four days of receipt. 
I request that you manually process my FCRA 605B deletion request and immediately block all fraudulent inquiries, as required by law. 
Per FCRA 605B, no further validation from creditors is necessary once proper identity theft documentation has been provided. 

Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Additionally, I request that you provide the specific reason for reporting these inquiries, in accordance with 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports. 
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 hard inquiries are the 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 2025-04-26 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company 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 2025-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
According to 15 U.S.C 1681c-2 ( a ) The law mandates that fraudulent accounts must be blocked from my credit profile. Once a report of identity theft is made. I am now exercising my right to this law. According to 15 U.S.C 1681s-2 ( a ) ( 1 ) ( A ) of FCRA furnishers of information are prohibited from reporting such known or have reason to believe is inaccurate. The following account is erroneous and does not pertain to any debt I owe. JPMCB CARD ACCOUNT # XXXX I DEMAND this account be deleted from my credit report IMMEDIATELY IT IS causing material harm to my credit and financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: OH

Complaint narrative:
b'I am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information  on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes  which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sa-Vit Enterprises, Inc.
State: GA

Complaint narrative:
No Bills ever received and never used XXXX XXXX. Tried calling multiple phone numbers to get information on the company and all fraudulent. Just saw the report on my credit report. XXXX that Ive never received a bill for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Nelnet, Inc.
State: PA

Complaint narrative:
Re : Immediate Cease & Desist of Student Loan Reporting and Collection Due to Department of Education Abolishment To Whom It May Concern, I am disputing the legitimacy and enforceability of the student loans associated with my account. As you are aware, President Trump has signed an executive order to abolish the U.S. Department of Education, thereby creating a material legal void concerning all student loan obligations previously managed under its authority. 

Demand for Verification & Cease and Desist Pursuant to XXXX XXXX. XXXX ( FDCPA ) and XXXX XXXX. XXXX ( FCRA ), I am requesting immediate verification of the legal ownership, servicing rights, and validity of the alleged student loan debt under your authority. Failure to provide this information within XXXX  days constitutes a direct violation of federal law. 

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ) and FCRA, I am demanding the following : - Immediate cessation of collection efforts until full legal verification is provided. 

- A detailed breakdown of loan ownership and servicing rights post-Department of Education abolishment. 

- Written confirmation that you will cease reporting this unverified debt to credit bureaus. 

If you fail to comply, I will escalate this matter to the CFPB, FTC, and pursue legal action for violations of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: 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 List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 explanation
Consumer complaint received 2025-04-26 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: VA

Complaint narrative:
Upon reviewing my credit report, I notice an account that was not reporting accurately. Account XXXX  XXXX XXXX XXXX shows I was 60 days late and that is Incorrect progression, skipping from current to 60 days late without showing 30 days late, which is in violation of my rights according to 15 USC 1681i ( 5 ). I've attached a copy of my report to this complaint on the following dates XX/XX/year>. I now request that you investigate. If this information can not be verified as accurate, I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action. 

Update the account to paid on time and never late

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 2025-04-26 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OK

Complaint narrative:
I am filing a complaint against cash app ( block inc ) due to inadequate customer service and unfair practices, which violates the customer financial protection act ( CFPAC ) specifically, cash app failed to take time and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Futhermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fraud transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-04-25 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:
Dear Consumer Financial Protection Bureau, I am filing this complaint directly with the Consumer Financial Protection Bureau against Equifax, TransUnion, and Experian regarding unauthorized, unverifiable, and inconsistently reported hard inquiries on my credit reports. I am requesting immediate investigation and corrective action under the Fair Credit Reporting Act ( FCRA ) 1681b, 1681e ( b ), and 1681i. 

Specifically, I identified the following inquiries : XXXX XXXX XXXX XXXX XXXX ( Equifax, TransUnion, Experian ) XXXX XXXX XXXX XXXX Equifax, Experian XXXX XXXX XXXX XXXX XXXX ( Equifax only ) XXXX XXXX XXXX XXXX XXXX XXXX ( Equifax only ) XXXX XXXX XXXX ( Experian only ) XXXX XXXX XXXX XXXX XXXX XXXX ( Experian only ) XXXX XXXX ( Experian, TransUnion ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Experian only ) XXXX XXXX XXXX XXXX Experian only XXXX XXXX XXXX XXXX Experian only XXXX XXXX XXXX XXXX XXXX ( TransUnion only ) XXXX XXXX ( TransUnion only ) XXXX XXXX ( TransUnion only ) XXXX XXXX XXXX ( TransUnion only ) XXXX XXXX XXXX XXXX ( TransUnion only ) XXXX XXXX XXXX XXXX ( TransUnion only ) XXXX XXXX ( TransUnion only ) XXXX XXXX XXXX XXXX ( TransUnion only ) Violations Identified : 1. Lack of written authorization for many of these hard inquiries, violating FCRA 1681b ( c ).

2. Inconsistent reporting of inquiries across the three major credit bureaus, violating FCRA 1681e ( b ) which mandates maximum possible accuracy. 
3. Failure of the credit bureaus to properly maintain accurate and consistent credit files as required under federal law. 

Attached is a detailed Inquiry Dispute List showing each furnisher, the bureaus where they reported, and additional notes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: GA

Complaint narrative:
Ive requested on numerous occasions to have unknown addresses removed from my credit report, I would like an open investigation on all XXXX credit bureaus reporting inaccurate information on 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 2025-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: RI

Complaint narrative:
XX/XX/XXXX XXXX XXXX emails me saying my my account is suspended due to suspicious activity. And I need to send in my ID to verify my account. 

XX/XX/XXXX XXXXXXXX XXXX emails me to my account has now been deactivated and Im out of luck. 

I sent my info in anyway and was told a day or XXXX later that the decision is final and Im done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: OH

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-04-25 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: Westlake Services, LLC
State: FL

Complaint narrative:
On XX/XX/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 conducted an inquirys into my personal information without my authorization or prior consent. I did not initiate any contact or business with this company and have no reason to believe they should be accessing my data.I would like this removed immediately thank you for your time & consideration.

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 2025-04-25 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: World Omni Financial Corp.
State: FL

Complaint narrative:
On XX/XX/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  conducted an inquirys into my personal information without my authorization or prior consent. I did not initiate any contact or business with this company and have no reason to believe they should be accessing my data.I would like this removed immediately thank you for your time & consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

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 2025-04-25 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
On XXXXXXXX XXXX XXXX XXXX XXXX XXXX  On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Conducted an inquirys into my personal information without my authorization or prior consent. I did not initiate any contact or business with this company and have no reason to believe they should be accessing my data.I would like this removed immediately thank you for your time & consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: GA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I The consumer reporting agencies need to report all information with complete accuracy. 

These accounts have not been late and are not mine and do not appear on my XXXX or XXXX  report. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief