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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently reviewed my credit report and saw accounts that did not belong to me, this is hurting my score and preventing me from acquiring credit and moving on in life. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: GA

Complaint narrative:
In XXXX XXXX XXXX  in which I was attending was closed down due to fraud or something like that. All of the students that were enrolled were promised to us that our loans would be fully discharged. In XXXX I seen that the XXXX loans were still on my account and effecting my credit score. I then reached out to my loan servicers EDFinancial to see why was my school loans not automatically discharged and they told me I had to complete an application in which they received it on XX/XX/XXXX. It is now XX/XX/XXXX and they still have not discharged my loans like they are legally obligated to do. They are also still charging me fees and expecting payment from me on those same loans that were supposed to been discharged years ago. They are also reporting late payments to the credit bureaus in which is negatively affecting my credit score. This is illegal and they are in major violation of 34 CFR 685.212 as well as the Family Educational Rights and privacy act ( FERPA ). Ed Financial is hindering my life by causing my credit score to be as low as possible in which is ultimately causing me emotional distress and mental and physical damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: NY

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
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 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have called Transunion several time with no prevail on the issue at hand I can never see my credit report or dispute any items from my report this is a blatant act on TransUnion to exclude me from disputing any and all wrong accounts on my credit report. I demand removal of all accounts due to that fact they are denying me my rights to formally dispute any and all accounts on my TransUnion Credit report. I have attached a screen shot of denial of Disputes and this error i get from them no matter how many times I call they do nothing

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 2025-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: TX

Complaint narrative:
Account JEFFERSON CAPITAL SYSTEMS XXXX. Im unaware of this debt and did not have the opportunity to dispute this account. if you believe you sent proper notification, please provide 'certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: GA

Complaint narrative:
A debt collection company, Credit Control LLC, has recently sent numerous emails to my email addresses regarding an alleged XXXX XXXX debt of {$580.00}. These emails also mentioned XXXX ', which I believe was a previous collection agency for this alleged debt. I have previously disputed this alleged debt with credit reporting agencies over eight years ago, providing proof that it is not mine. I unequivocally deny this debt as I have never held a XXXX XXXX account ; I have had a no-contract phone for approximately 20 years and have no association with XXXX XXXX services XXXX The nature of these repeated email contacts, after such a long-standing dispute, suggests a potential scam or fraudulent collection attempt.

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 2025-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I deposited a check on my moms account with Chase Bank. They said that in order for them to verify that I gave my mom to check for her to cash for me. They needed to verify through my phone number that I have been providing them they said that my phone number does not match my name on the database therefore they close my moms account. The check that I deposited was of the amount {$8300.00} that I received from my attorney From a settlement case from a car accident. They have had the check on hold for over a month and are refusing to return the check to my mom. They closed her account because I couldnt verify that I gave her the check. They only returned the money that was on the account prior to the check being deposited we have been contacting them and they have not been able to give us a solution other than verifying the phone number. It has been very stressful for me and my mom And they have been giving us a lot of trouble and refused to return the check either to my mom me or my attorney who was the one that gave me the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: OH

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( 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 ( 15 U.S. Code 1692e ) 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 non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/scrub>XXXX XXXX XXXX I sent a certified debt validation request to XXXX XXXXt pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). This request asked for proper validation and documentation of the alleged debt they are reporting on my credit file. 

On XX/XX/year>, I received a response from XXXX XXXX that was improperly addressed and included what appeared to be a generic account statement. The document listed a XXXX XXXX  address not associated with me and referenced a creditor with whom I have never opened an account. This documentation does not constitute proper validation under the law, as it fails to provide any legally sufficient evidence that I owe the alleged debt. 

Also on XX/XX/scrub> XXXX XXXX  I received a separate debt collection notice from the same company, again without providing proper debt validation as required by federal guidelines. The continued reporting and collection efforts without legitimate proof of the debt are clear violations of the FCRA and FDCPA.

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 2025-05-31 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:
On XX/XX/scrub>XXXX XXXX XXXX  I sent a certified debt validation request to XXXX XXXX pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). This request asked for proper validation and documentation of the alleged debt they are reporting on my credit file. 

On XX/XX/year>, I received a response from XXXX XXXX that was improperly addressed and included what appeared to be a generic account statement. The document listed a XXXX XXXX address not associated with me and referenced a creditor with whom I have never opened an account. This documentation does not constitute proper validation under the law, as it fails to provide any legally sufficient evidence that I owe the alleged debt. 

Also on XX/XX/scrub>XXXX XXXX  I received a separate debt collection notice from the same company, again without providing proper debt validation as required by federal guidelines. The continued reporting and collection efforts without legitimate proof of the debt are clear violations of the FCRA and FDCPA.

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 2025-05-31 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:
I've recently received a copy of my credit report and noticed several inaccuracies unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Dear CFPB, I am writing to formally dispute the reporting of a public record account listed on my consumer credit report : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> This account is being reported as if it were a consumer credit obligation. However, XXXX XXXX XXXX XXXX do not originate from XXXX XXXX XXXX and are therefore not subject to traditional credit reporting under the Fair Credit Reporting Act ( FCRA ).

Specifically, under the FCRA ( 15 U.S.C. 1681a ), a " consumer report '' pertains to information related to creditworthiness, credit standing, or credit capacity that arises from a transaction initiated by the consumer. A government-ordered child support obligation does not qualify as a consumer-initiated credit transaction and thus falls outside the intended scope of what should be reported by consumer reporting agencies. 

Furthermore, if such reporting is maintained, it must comply with FCRA Section 1681e ( b ), which requires that all information furnished be accurate and not misleading. Reporting a child support enforcement record as a delinquent consumer account is misleading and prejudicial to my credit profile. 

I respectfully request that this account be removed from my credit file due to its improper classification and reporting. Please conduct a full investigation into this matter. If the reporting entity can not provide documentation proving that this obligation meets the definition of a consumer credit transaction, the account must be deleted from my credit report in accordance with federal law. 

Thank you for your attention to this matter. Please confirm receipt of this letter and keep me informed of the outcome of your investigation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was charged {$3.00} for an interest charge in XXXX, but my card had a XXXX balance for quite sometimes b/c I hate capital one. The rep tried to make up a lie, but there is no way I'm being charged finance charge when I'm not using the card at all. How are they calculating this? I haven't used that account in over a year. My XXXX  is way better and they don't rob me or scam me. I completely stopped using their cards. I had paid off everything as my credit score is very good and I don't want to ruin it. So they were piling on finance charges that do not make sense and I could never figure out where they came from and capital one seems to hire a bunch of con artists, so I have no idea how they are manipulating my account. I want to get the FBI involved now b/c this is too much. I have contacted XXXX numerous times as they're still committing fraud and scamming me with false finance charges and unwilling to dispute stuff no matter what. They are a horrible company and thieves. Someone needs to do something about them and I'll be contacting the XXXX or XXXX whichever is worse. My bill is due on the XXXX and I paid it on XX/XX/XXXX ( what they said I owed although I should'n't have owed anything ) and no one can tell me what this random {$150.00} is for. Ive asked for a document that would show me what these charge are for and capital one has refused to provide anything ... Not sure how they came up with these random charges, but I'm sure they'll find a way to lie. They always do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX XXXX & TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2025-05-31 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: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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: TX

Complaint narrative:
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 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 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 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 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 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2025-05-31 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: TX

Complaint narrative:
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 4 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  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 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 non-monetary relief