vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 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:
In the attached documents below, you will find all the required documents for my identity fraud case. There are many addresses, inquiries, and accounts reporting on my credit fraudulently due to my identity fraud case. Someone used my identity fraudulently and I am working with law enforcement 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 2025-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: MA

Complaint narrative:
I was asked to exchange funds to XXXX to XXXX in the Crypto XXXX XXXX  Then i was sent currency, but was unable to withdraw it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
I am filing a complaint against XXXX ( Block, inc. ) due to inadequate customer Service and unfair practices, which violate The Consumer Financial Protection Act ( CFPA ). Specifically, XXXX failed to take Timely and effective measures to prevent and Address fraud on their platform, leaving my Account vulnerable and unprotected. 
Furthermore, their dispute resolution process Was unfair and deceptive, as they did not Comply with error resolution requirements Under the Electronic Fund 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 2025-05-28 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: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
I discovered multiple inaccurate, unverified accounts reporting on my credit file, some of which were recently added without proper validation. I promptly initiated disputes pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), including formal written requests for verification of each account with supporting documentation, specifically original signed consumer contracts. Despite statutory obligations, the credit reporting agency has failed to produce adequate verification or a description of the verification process employed. Additionally, I filed a police report for suspected identity theft related to these accounts. Multiple attempts to resolve these discrepancies amicably have been unsuccessful, necessitating formal complaint and potential legal remedies to enforce compliance and protect my creditworthiness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is a follow-up to CFPB case number XXXX, which I submitted on XX/XX/year>, regarding multiple unauthorized accounts and fraudulent activity on my credit report due to identity theft. I included a valid FTC Identity Theft Report along with my original dispute. 

The fraudulent accounts include but not limited : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX According to FCRA 1681c-2 , once a consumer reporting agency receives a valid identity theft report and a written request, they are legally required to block the fraudulent information from the report within four business days. In addition, FCRA 1681i ( a ) ( 1 ) ( A ) mandates that any reinvestigation must be completed within 30 calendar days from the date the dispute was received. 

As of XX/XX/year>, more than 30 days have passed, and Experian has not completed the reinvestigation, nor have they removed the disputed identity theft-related accounts. The only update provided was a generic interim message that does not satisfy legal response requirements under the FCRA. 

Experians failure to comply with these deadlines represents a clear violation of both 1681c-2 and 1681i of the Fair Credit Reporting Act. I am requesting that the CFPB take enforcement action to compel immediate compliance.

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 2025-05-28 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: CL Holdings LLC
State: GA

Complaint narrative:
This company is breaking the law by failing to provide proper validation details as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, theyve added a collection to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP
State: NC

Complaint narrative:
I applied for a US Bank credit card. I received email notification that I was approved and the card was sent. I received the card with a former name that I have not used in 13+ years. I have never had US Bank accounts and do not understand how a card was issued in that name. I feel like their underwriting and operational processes and controls are lacking. I closed the account immediately.

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 2025-05-28 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: PA

Complaint narrative:
When I checked my credit report this morning, I was surprised to find accounts that dont belong to me. I attempted to refresh the page in case it was a technical glitch, but the inaccurate information remained. XXXX now requesting a thorough review of the documents Ive sent so that this issue can be fully addressed and I can have peace of mind.

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 2025-05-28 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:
I am formally disputing an unauthorized vehicle that has been reported on my credit file. This entry is fraudulent, inaccurate, and unverifiable, and must be immediately removed in accordance with the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ). 

Creditor/Agency Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX This account is showing on my Transunion Report File Number:XXXX  and my XXXX  Credit Report Under 15 U.S.C. 1681i ( a ) ( 5 ), any credit report item that is found to be inaccurate, incomplete, or unverifiable must be deleted. Additionally, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) mandates that furnishers must correct erroneous information upon receiving notice. 

As required by 15 U.S.C. 1681i ( a ) ( 1 ), I expect a written resolution within 30 days from the date of this letter. If corrective action is not taken, I am prepared to escalate the matter further, including filing complaints with the Federal Trade Commission ( FTC ) and seeking legal remedies if necessary. 

I appreciate your immediate attention to this matter and request written confirmation of the removal.

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 2025-05-28 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: CBC Companies, Inc.
State: NY

Complaint narrative:
fraudulent accounts or charges appear on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 TILA XXXX Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-28 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:
Date : XX/XX/year> To : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute & Validation Request Unauthorized Collection Accounts Dear Equifax Dispute Department, I am writing to formally dispute three collection accounts currently being reported on my Equifax credit report, which I believe are inaccurate, unverifiable, or not legally authorized to be furnished. The disputed accounts are listed below : 1. XXXX XXXX XXXX- {$1000.00} 2. XXXX XXXX XXXX - {$810.00} 3. XXXX XXXX XXXX - {$440.00} I am requesting the immediate and permanent deletion of these accounts from my credit file under the provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Relevant Legal Grounds : 15 U.S.C. 1681o ( FCRA ) : Civil liability for negligent noncompliance with credit reporting requirements. 
15 U.S.C. 1692g ( FDCPA ) : Requires debt collectors to validate debts upon requestnone has been provided. 
31 U.S.C. 5118 : Protects against enforcement of obligations not lawfully created. 
15 U.S.C. 1681e ( b ) : Mandates maximum possible accuracy in reporting. 
15 U.S.C. 1681i : Requires deletion of unverifiable or disputed data within 30 days. 

Formal Debt Validation Request : As part of this dispute, I also formally request the following documentation for each of the accounts listed above : 1. A copy of the original signed agreement that shows I owe the alleged debt. 

2. A full itemized breakdown of all amounts being claimed. 

3. A copy of the assignment contract proving the agencys legal authority to collect. 

4. A Forward Flow Agreement verifying the terms under which the debt was transferred or purchased. 

5. Proof that these accounts were reported in compliance with Regulation F and other consumer laws. 
If you or the data furnishers are unable to produce the requested documentation within 30 days, these accounts must be permanently deleted from my Equifax credit report, per federal law. 

My Formal Requests : Immediately delete the three disputed accounts from my credit file. 
Provide a written response detailing the outcome of your reinvestigation. 
Do not reinsert these accounts in the future unless verified per 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). 
Failure to comply may result in complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and pursuit of legal remedies under 15 U.S.C. 1681n & 1681o. 

Thank you for your prompt attention to this matter. I expect full resolution within the timeframe allowed by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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:
" I have disputed this account with the bureau and the furnisher multiple times. The account remains inaccurate due to unresolved errors and outdated information. I am requesting a full investigation and deletion due to reporting violations under the FCRA. 

- XXXX XXXX - Account # XXXX  - Charged-off, multiple late payments- XXXX XXXX XXXX XXXXXXXX - Account XXXX XXXX - Charged-off- XXXX XXXX XXXX - Account # XXXX XXXX Charge-offs- XXXX XXXX- Account # XXXX - One late payment- XXXX  - Account # XXXX - Paid charge-of

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 2025-05-28 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:
" I have disputed this account with the bureau and the furnisher multiple times. The account remains inaccurate due to unresolved errors and outdated information. I am requesting a full investigation and deletion due to reporting violations under the FCRA. 

- XXXX XXXX - Account # XXXX  - Charged-off, multiple late payments- XXXX XXXX XXXX XXXXXXXX - Account XXXX XXXX - Charged-off- XXXX XXXX XXXX - Account # XXXX XXXX Charge-offs- XXXX XXXX- Account # XXXX - One late payment- XXXX  - Account # XXXX - Paid charge-of

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: CA

Complaint narrative:
After a recent data breach, fraudulent accounts were wrongfully added to my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-05-28 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:
After a recent data breach, fraudulent accounts were wrongfully added to my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies. This account is hurting my ability to obtain credit. It's my understanding that Equifax Will investigate this account for me to ensure accuracy, but I attempted to dispute this directly and it is still reported unaccurately. This is the account I am asking you to verify as accurate XXXX XXXX XXXX : Account No. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: GA

Complaint narrative:
To whom it may concern : I have two loans from XXXX XXXX University left with Mohela which were transferred by XXXX. These loans were dispersed in XXXX & XXXX. Ive been told they are both private loans, which is directly in line with XXXX misleading me in so many ways. I had no idea I even had a private student loan. Ive been paying on these loans since XXXX. Thats FIFTEEN years. Im not asking for money back. Im asking for the loans to be discharged. I have been in some type of repayment status or forbearance for approximately 18 years. My student loan servicer, Mohela, nor the Studentaid.gov have been able to provide me with accurate accounting of the number of months Ive been in repayment. In fact, neither can provide a comprehensive payment history for these two loans at all, and they both blame each other. Ive only received a list of each payment made with no idea what loans they each went to. Ive filled out the School Misconduct discharge application for these private loans TWICE now. Its been denied twice, just as Mohela does. They give no reason other than you do not meet the requirements. That reason is not good enough. All my federal loans were discharged due to the disgusting acts committed by XXXX that ruined so much of my life and career path. It is asinine to think someone should have to pay money back for something where the other end did NOT hold up their end of the bargain. 

Under the Federal Trade Commissions Holder Rule, XXXX/Mohela is accountable for these predatory loans issued in association with for-profit schools including American XXXX University. The Trade Regulation Rule is supposed to protect consumers for lenders selling their credit contracts to another lender. I know that I have the right to assert claims and defenses against Mohela. XXXX engaged in misconduct just like my school did. 
It is unfair and unjust to expect me to continue to pay for loans that should legitimately be forgiven. Im XXXX XXXX XXXX. Enough is enough. 

Im requesting a review of my account and a one-time adjustment that would result in a total forgiveness of all my outstanding student loans, which are currently {$8700.00} for both remaining loans. Please contact me with additional information. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: CA

Complaint narrative:
Because of a data breach that compromised my personal information, fraudulent accounts have been placed on my credit report. Under 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 XXXX : XXXX XXXX XXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/year>, Balance : {$170.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$220.00}

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
The personal information on my credit report were outdated.

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