vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-02 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: NY

Complaint narrative:
XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Follow-Up Request to Block and Delete Fraudulent Accounts Identity Theft Victim Dear Experian Consumer Services, I am following up again regarding my previous request to block and delete fraudulent accounts and information related to my identity under the Fair Credit Reporting Act ( FCRA ), specifically pursuant to 15 U.S.C. 1681c-2 ( a ). I am a victim of identity theft because of the Experian data breach, and unauthorized accounts have been fraudulently opened in my name.

The fraudulent account that I have identified on my credit report are as follows : XXXX. XXXX XXXX XXXX XXXX Under 15 U.S.C. 1681c-2 ( a ), I request that Experian promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profile.

Furthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes. 

If you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above. 

Thank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activity. 

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 2025-09-03 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: GA

Complaint narrative:
I just reviewed my credit report today and was frustrated to find that inaccurate accounts are still listed. I dont know why this issue persists when it should have been resolved already. I even refreshed my browser to make sure it wasnt just a display problem, but the accounts are still showing. Because of this, I am demanding that the documents I provided be checked properly so I never have to deal with this stress again.

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 2025-09-03 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: AZ

Complaint narrative:
Following USC 1681g, all misattributed accounts must be deleted within a 15-day period.

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 2025-09-03 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: MI

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 explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am an active-duty XXXX XXXX XXXX and had been XXXX  on an XXXX XXXX overseas until XX/XX/XXXX. While I was back in the U.S. well before the late payments were reported, there was no clear or direct communication from XXXX or the Department of Education that repayment was resuming after COVID forbearance. 

I was under the impression my loans were still in deferment or forbearance, as they had been for years. Once I realized repayment had resumed in XX/XX/XXXX I immediately brought my accounts current and have made every payment on time since. 

I called XXXX in good faith to request a goodwill adjustment, and they denied my request without offering any solution. These late marks have caused disproportionate damage to my credit. Im requesting a goodwill removal or CFPB review of whether this reporting was fairly and clearly communicated to borrowers, especially those coming off long-term forbearance.

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 2025-09-03 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: VA

Complaint narrative:
I am an active-duty XXXX XXXX XXXX and had been XXXX on an XXXX XXXX XXXX until XX/XX/XXXX. While I was back in the XXXX well before the late payments were reported, there was no clear or direct communication from XXXX or the Department of Education that repayment was resuming after COVID forbearance. 

I was under the impression my loans were still in deferment or forbearance, as they had been for years. Once I realized repayment had resumed in XX/XX/XXXX I immediately brought my accounts current and have made every payment on time since. 

I called XXXX in good faith to request a goodwill adjustment, and they denied my request without offering any solution. These late marks have caused disproportionate damage to my credit. Im requesting a goodwill removal or CFPB review of whether this reporting was fairly and clearly communicated to borrowers, especially those coming off long-term forbearance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: VA

Complaint narrative:
I am an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. While I was back in the XXXX well before the late payments were reported, there was no clear or direct communication from XXXX or the Department of Education that repayment was resuming after COVID forbearance. 

I was under the impression my loans were still in deferment or forbearance, as they had been for years. Once I realized repayment had resumed in XX/XX/XXXX I immediately brought my accounts current and have made every payment on time since. 

I called XXXX in good faith to request a goodwill adjustment, and they denied my request without offering any solution. These late marks have caused disproportionate damage to my credit. XXXX requesting a goodwill removal or CFPB review of whether this reporting was fairly and clearly communicated to borrowers, especially those coming off long-term forbearance.

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 2025-09-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Can't contact lender or servicer — 
Company: NBT BANCORP INC.
State: NY

Complaint narrative:
I requested a copy of my signed loan documents on XX/XX/year> for a loan which is paid off and was paid as agreed. On XX/XX/year> I was asked to submit the VIN # for the loan in question. I provided the information the same day. I didn't receive another message until XX/XX/year> at which time I was told my request went to the back office because I was a previous XXXX. It should not take almost XXXX weeks to get a copy of loan documents. I would like a copy of the loan documents or better communication as to when I will receive my request.

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 2025-09-03 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: SC

Complaint narrative:
Hello my name is XXXX XXXX XXXX and I noticed mltiple inaccuracies reporting on my credit report in XX/XX/year>. Please remove it from my credit report as soon as possible.I didnt give any authorization whatsoever.

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 2025-09-03 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: SC

Complaint narrative:
Hello my name is XXXX XXXX XXXX and I noticed mltiple inaccuracies reporting on my credit report in XX/XX/year>. Please remove it from my credit report as soon as possible.I didnt give any authorization whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: MS

Complaint narrative:
On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX, my XXXXXXXX XXXX was charged {$120.00} through CashApp for a purchase at XXXX XXXX As soon as I received an alert that the charge went through, I tried to log into my XXXX account to see what was going on and I was locked out. Then shortly after I receive an email from XXXX that my address had been updated. On XX/XX/XXXX at XXXX, I started a dispute with CashApp to look into this matter. Being that the transaction was still pending with XXXX and XXXX, I thought my swift action would stop the processing of the order while the issue was resolved. After some thought, I decided to reach out to all three companies to hope the issue could be taken care of, but I got the runaround from all companies. Each company pass the blame. There was plenty of time for CashApp to reverse the charge, XXXX to stop the processing and refund my money, and XXXX to reverse the charge as well. Neither company took my complaint seriously. I don't know if it was due to the amount or me as a person, but I feel like nothing was done to help with the situation. Yes, I understand the agents have scripts to follow and protocal, but there should be something in place to stop hackers or refund my money when I informed all companies involved that it was fraud and not an authorized charge. And to add insult to injury, XXXX sent me a text stating the package shipped when I asked them to please cancel the order. Even though XXXX rejected my claim as well, they did provide me with the information to file the claim here. They are the only company that did try and offer a solution without blaming me an innocent person who was attending a conference when this happened or just telling me that they are sorry. Sorry does not pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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:
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 2025-09-02 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:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 
If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. 
Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed. 
I demand the following accounts be properly verified or removed immediately. 
Name of Account : Account Number : Provide Physical Proof of Verification * NOTE : Please also remove all non-account holding inquiries over 30 days old. 
Thank You, Attached : Copy of my Social Security Card & Drivers License is attached Sent : USPS Certified Mail XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
On XX/XX/year> I deposited XXXX to my Robinhood account. I then withdrew XXXX $ for groceries to a known debit card I had withdrawn to many times, immediately after I withdrew the XXXX $ I got a message saying my account was restricted and I can not withdraw the rest of the money in the account. I proceeded to ask for a call back when I spoke to the company representative they did not make it clear as to why my account was restricted they just kept talking in circles telling me it was for my protection that they can not let me access my money, when I told them I need to pay my bills they didnt care I told them so you are basically stealing from me and they hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: MI

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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: MI

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 explanation
Consumer complaint received 2025-09-03 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: NC

Complaint narrative:
I recently obtained a copy of my consumer credit report and noticed inaccurate at unverified information involving late payments in regards to : Mortgage account XXXX Acct LOAN # : XXXX The Gramm-Leach-Bliley Act protects the reporting of non public personal information from being disclosed on public platforms. 

In accordance with the FCRA, I XXXX XXXX am granted a right to privacy under 15 U.S.C. 1681 section 602. 15 U.S.C 1681 section 604a-2 states that a consumer reporting agency can not furnish an account without my written instructions. Exclusions Under 15 U.S.C. 1666b ( a ) states that a creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose. Under 15 U.S.C. 1681a ( 2 ) ( I ), consumer credit reporting agencies can not report transactions or experiences in which late payments are considered. Under 15 U.S.C. 6802, the consumer credit reporting agencies did not disclose to me the reporting of any negative or adverse information nor was I provided with the option to opt out. Under 15 U.S.C. 1681 section 611, all consumer credit reporting agencies must state their method of verification of : How it was verified What documents were used to verify Who verified these late payments Reporting unverifiable information is a violation of 15 U.S.C 1681 section 611a-7 I XXXX XXXX XXXX not authorize the reporting of any late payments on any account through any written instructions nor have I been made aware through proper documentation that any of the information was properly verified. 

Please remove all late payments from the account in question immediately and update the status of on time positive payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: SC

Complaint narrative:
* PLEASE SEE ATTACHED RELATING TO Consumer Financial Protection Bureau, PLAINTIFF Equifax Inc. and Equifax Information Services LLC, DEFENDENT XXXX XXXX File No. XXXX SPECIAL ATTENTION TO THE FOLLOWING PARTIES XXXX XXXX, Mass XXXX XXXX XXXX. XXXX ( Application for Pro Hac Vice Admission Pending ) email : XXXX CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : XXXX Fax : ( XXXX ) XXXX XXXX XXXX, XXXX. XXXX XXXX. XXXX Email : XXXX@cfpb.gov CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Attorneys for Plaintiff Consumer Financial Protection Bureau

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: EdFinancial Services
State: LA

Complaint narrative:
I am writing to dispute the validity of the alleged debt referenced above, which you claim I owe. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I hereby request that you provide proper validation of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: Kriya Capital, LLC
State: MS

Complaint narrative:
as of XXXX XXXX I've tried disputing an amount of {$5000.00}, it is a debt collection that was created without my knowledge, I've tried everything to get this of my credit and nothing work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: World Acceptance Corporation
State: MS

Complaint narrative:
as of XXXX XXXX I've tried disputing an amount of {$5000.00}, it is a debt collection that was created without my knowledge, I've tried everything to get this of my credit and nothing work.

Company response to consumer: Closed with explanation