vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-18 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-04-17 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: OH

Complaint narrative:
Subject : Dispute of Student Loan Accounts Under FCRA and XXXX Dear EXPERIAN, EQUIFAX AND TRANSUNION, I am writing to formally dispute the accuracy and reporting of certain student loan accounts listed on my credit report. The accounts in question are : XXXX XXXX XXXX {$13000.00} XXXX  XXXX XXXX {$9000.00} XXXX  XXXX XXXX {$11000.00} XXXX  XXXX XXXX {$6300.00} XXXX  XXXX XXXX {$22000.00} XXXX  XXXX XXXX {$2300.00} XXXX  XXXX XXXX {$21000.00} Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to dispute information on my credit report that I believe is inaccurate or incomplete. I request that you investigate these accounts to verify their accuracy. If they are found to be inaccurate or can not be verified, I ask that they be removed from my credit report.

Additionally, under the Family Educational Rights and Privacy Act ( FERPA ), educational institutions are required to protect the privacy of student education records. If any of these accounts have been reported in violation of FERPA guidelines, I request that appropriate action be taken to rectify this. 

Please provide me with the results of your investigation and a copy of my updated credit report. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: OH

Complaint narrative:
Subject : Dispute of Student Loan Accounts Under FCRA and XXXX Dear EXPERIAN, EQUIFAX AND TRANSUNION, I am writing to formally dispute the accuracy and reporting of certain student loan accounts listed on my credit report. The accounts in question are : XXXX XXXX XXXX {$13000.00} XXXX  XXXX XXXX {$9000.00} XXXX  XXXX XXXX {$11000.00} XXXX  XXXX XXXX {$6300.00} XXXX  XXXX XXXX {$22000.00} XXXX  XXXX XXXX {$2300.00} XXXX  XXXX XXXX {$21000.00} Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to dispute information on my credit report that I believe is inaccurate or incomplete. I request that you investigate these accounts to verify their accuracy. If they are found to be inaccurate or can not be verified, I ask that they be removed from my credit report.

Additionally, under the Family Educational Rights and Privacy Act ( FERPA ), educational institutions are required to protect the privacy of student education records. If any of these accounts have been reported in violation of FERPA guidelines, I request that appropriate action be taken to rectify this. 

Please provide me with the results of your investigation and a copy of my updated credit report. 


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 non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: RI

Complaint narrative:
Im not sure how to find out as my state hasnt been helpful but in Rhode Island where I reside title loans are illegal I believe. I didnt find this out until recently. Im making little to no progress paying off this loan as the balance goes up even when I pay. Im trying to see if this loan was done legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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:
Please remove and block the unauthorized accounts listed on my credit report at your earliest convenience. I did not authorize or create these accounts and am unaware of where they originated. As per USC 1681g, I am requesting their removal within 15 days. Supporting documentation is included for your careful evaluation. The information reported varies between credit bureaus and is incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-18 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-17 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: OH

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-04-17 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:
Request for Blocking and Deletion of Fraudulent Accounts Pursuant to 15 USC 1681c-2 ( a ) .I am contacting you as a victim of the Data Breach. Since my information was compromised, I am invoking my rights under 15 USC 1681c-2 ( a ) to request that any fraudulent accounts associated with my identity be permanently blocked and deleted from my credit file.

Please take the necessary actions to ensure that any unauthorized or fraudulent accounts, as detailed in the accompanying documentation, are blocked and removed from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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:
Request for Blocking and Deletion of Fraudulent Accounts Pursuant to 15 USC 1681c-2 ( a ) .I am contacting you as a victim of the Data Breach. Since my information was compromised, I am invoking my rights under 15 USC 1681c-2 ( a ) to request that any fraudulent accounts associated with my identity be permanently blocked and deleted from my credit file.

Please take the necessary actions to ensure that any unauthorized or fraudulent accounts, as detailed in the accompanying documentation, are blocked and removed from my records.

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 2025-04-17 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:
XXXX XXXX XXXX XXXX. has violated the ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), regarding your continued reporting and/or collection of an account that was the result of identity theft. I filed a complaint with the CFPB, on XXXX XXXX, and XXXX XXXX XXXX, responded back stating the account was verified as accurate. Attached is a copy of the police report. and ftc and government id, that supports and identify the claim. As, of today the account is still reporting on my credit report. Below, is a screenshot of it reporting to Equifax Information Solutions.

Collections If you've fallen behind on payments, your account could be sent to a collections agency. This can have a big impact on your credit score. 

XXXX XXXX XXXX, Reported : XXXX. XXXX, XXXX - {$1000.00} Needs Attention Overview You have 100 % left to pay on this collection. 

Balance {$1000.00} Highest Balance {$1000.00} Opened XXXX XXXX, XXXX ( XXXX mos ) Account status Open Type No Info Responsibility Individual Account. 
Remarks Consumer disputes this account information Collection account Original Creditor Name No Info Closed No Info See an error? 
Dispute Something not, right? Visit the Dispute Center to submit or check the status of an ongoing dispute with TransUnion. 

Go to dispute XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX. has violated the ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), regarding your continued reporting and/or collection of an account that was the result of identity theft. I filed a complaint with the CFPB, on XXXX XXXX, and XXXX XXXX XXXX, responded back stating the account was verified as accurate. Attached is a copy of the police report. and ftc and government id, that supports and identify the claim. As, of today the account is still reporting on my credit report. Below, is a screenshot of it reporting to Equifax Information Solutions. 
Collections If you've fallen behind on payments, your account could be sent to a collections agency. This can have a big impact on your credit score. 

XXXX XXXX XXXX, Reported : XXXX. XXXX, XXXX - {$1000.00} Needs Attention Overview You have 100 % left to pay on this collection. 

Balance {$1000.00} Highest Balance {$1000.00} Opened XXXX XXXX, XXXX ( XXXX mos ) Account status Open Type No Info Responsibility Individual Account. 
Remarks Consumer disputes this account information Collection account Original Creditor Name No Info Closed No Info See an error? 
Dispute Something not, right? Visit the Dispute Center to submit or check the status of an ongoing dispute with TransUnion. 

Go to dispute XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, VA 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 2025-04-17 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 filing a complaint under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2 and 1681i. A collection account on my credit report is inaccurate, and after I disputed it, the reporting party failed to properly investigate or correct the error. This is affecting my creditworthiness and violates my rights under federal law. '' 15 U.S.C. 1681i If you dispute an account, the credit reporting agency must investigate within 30 days and correct or delete inaccurate info.

15 U.S.C. 1681s-2 ( a ) Debt collectors must report accurate information. If a collector reports false or outdated info ( e.g., a paid collection still showing as unpaid ), it may violate this section.

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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: MS

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: GA

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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 am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UPGRADE, INC.
State: NV

Complaint narrative:
Debt validation claim According to 15 USC 1692 I asked for the following 4 things : 1 Send me a full list of the payment history on the account.

2 I want to see the original signature. That I agreed to on the contract.

3 Have there been any insurance claims find on the debt!

4 I want to see the Chain of Title to collect on the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am extremely frustrated by the continued presence of false information on my TransUnion credit report. These are not minor clerical mistakesthey are serious reporting failures that are damaging my financial credibility and blocking access to opportunities. Despite previous disputes, these inaccuracies remain unresolved, which shows a blatant disregard for maintaining accurate consumer data. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fully accurate and verified. If TransUnion can not provide clear, irrefutable documentation to support the reported information, it must be removed without delay. Im not askingIm demanding full compliance with federal law. Continued inaction will be treated as willful negligence. 

The following dispute items are inaccurate and must be addressed immediately : Collection/Charge Off ( TU ) XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$350.00} XXXX XXXX  XXXX - XXXXXXXX XXXX XXXX XXXX XXXX  - {$5600.00} XXXX  - XXXX * * XXXX  XXXX - {$660.00} XXXXXXXX XXXX XXXX XXXX XXXX CA - XXXX XXXX XXXX XXXX XXXX - {$2400.00} XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX  - {$880.00} XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX  - {$3600.00} XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX {$5200.00} XXXX - XXXX XXXX XXXX XXXX XXXX  - {$880.00} XXXX  XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$2500.00} XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX - {$4400.00} XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX - {$4600.00} XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX - {$1300.00} XXXX - XXXX XXXX XXXX XXXX XXXX - {$0.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX - {$620.00} XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX - {$440.00} XXXX XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX  - {$850.00} XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX  - {$5400.00}

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 2025-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
Identify was stolen and accounts were apparently opened that I did not open XXXXXXXX XXXX  XXXX suspected fraud XXXX XXXX  overdrafts of {$1900.00} reported XXXX XXXX XXXX  reported account abuse with charge off of {$8.00} Also a bunch of inquiries to banks I did not apply too XXXX XXXX XXXX XX/XX/year> 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 2025-04-17 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: VT

Complaint narrative:
I just looked over my credit report and found some accounts that Ive never seen before and definitely didnt open. I have no idea where they came from or why theyre showing up under my name, but they dont belong to me. Its really frustrating and honestly kind of alarming to see stuff like this on my report that I had nothing to do with.

Company response to consumer: Closed with non-monetary relief