vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-11 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: NC

Complaint narrative:
I am submitting this formal personal statement to the Consumer Financial Protection Bureau regarding my identity theft case, documented in FTC Identity Theft Report # XXXX. This statement serves as both an assertion of my consumer rights and a demand for immediate and permanent action regarding fraudulent items reported to consumer credit reporting agencies. 

Under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681c-2 ( Blocking of information resulting from identity theft ) and 15 U.S.C. 1681i ( Reinvestigation of disputed information ), I am legally entitled to : Have any information resulting from identity theft blocked from my credit report upon submission of an identity theft report. 
A reasonable reinvestigation of all disputed items, and for inaccurate, incomplete, or unverifiable information to be deleted from my credit report. 
Protection from continued re-reporting of the same fraudulent information once it has been formally disputed. 

I have submitted an official identity theft report, certified under penalty of perjury, detailing several unauthorized accounts fraudulently opened in my name, including but not limited to : XXXX XXXX XXXX XXXX Fraudulent auto and personal loans ( Accounts # XXXX and # XXXX ) XXXX XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX XXXX Fraudulent rental debt ( Account # XXXX ) XXXX XXXX XXXX XXXX XXXX utility account ( Account # XXXX ) XXXX Fraudulent federal student loan ( Account # XXXX ) These accounts represent identity theft events that have caused severe harm to my credit and personal reputation. In light of multiple widespread data breaches that have compromised consumer information across major institutions, I demand the full and immediate enforcement of FCRA protections without delay. 

Additionally, all three nationwide consumer reporting agenciesEquifax, Experian, and TransUnion also including XXXX XXXX, XXXX, XXXX XXXX, XXXXare  obligated under federal law and their own publicly stated policies to : Permanently remove fraudulent information when presented with an FTC Identity Theft Report ; Cease reporting of disputed information while under investigation ; Provide the consumer with written results and a free copy of the report if the dispute results in a change. 

Failure to act in accordance with these laws and policies may result in legal action. 
I request the immediate removal and permanent blocking of all fraudulent, inaccurate, and unauthorized accounts listed in my reports to all credit bureaus. I also request confirmation of receipt and compliance in writing. 

Thank you for your attention and for upholding the rights of consumers like myself.

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 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX a subservice of XXXX is reporting inaccurate mortgage loan amount on all 3 of my credit bureau reports. As of XX/XX/year>, XXXX a subserivce of XXXX had reported that I owe {$300000.00} ( with a highest balance of {$310000.00} ) on all 3 of my credit bureau reports, which is the incorrect amount. 

According to the XXXX XXXX, the current principal balance that is owed is {$280000.00} ( out of a highest balance of {$290000.00} ) - however, is this not the amount that is being reported to all 3 credit bureaus. 

I have disputed this with the servicer and credit bureaus, but the error has not been corrected. This inaccurate reporting is harming my credit and ability to obtain financing. I request the account be updated to reflect the correct balance and letter confirming the correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem 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 non-monetary relief
Consumer complaint received 2025-04-11 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: FL

Complaint narrative:
XXXX a subservice of XXXX is reporting inaccurate mortgage loan amount on all 3 of my credit bureau reports. As of XX/XX/year>, XXXX a subserivce of XXXX had reported that I owe {$300000.00} ( with a highest balance of {$310000.00} ) on all 3 of my credit bureau reports, which is the incorrect amount. 

According to the XXXX XXXX, the current principal balance that is owed is {$280000.00} ( out of a highest balance of {$290000.00} ) - however, is this not the amount that is being reported to all 3 credit bureaus. 

I have disputed this with the servicer and credit bureaus, but the error has not been corrected. This inaccurate reporting is harming my credit and ability to obtain financing. I request the account be updated to reflect the correct balance and letter confirming the correction.

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 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS
State: TX

Complaint narrative:
I contacted XXXX because, despite receiving a letter from XXXX XXXX  stating they could not assign the requested credit amount, my application ( Account XXXX ) for a {$6500.00} credit line was approved and confirmed. I spoke with an agent, XXXX, on XX/XX/year>, at XXXX XXXX, concerning letter XXXX dated XX/XX/year>. XXXX confirmed that my account was created and a card was issued that day, XX/XX/year>, to my confirmed address. This information has been shared with XXXX and LexisNexis Risk Solutions and therefore, the record should be corrected to show my account was approved and my application was not denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: NC

Complaint narrative:
Recently I looked at my credit file and found info that can't be verified and info that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

Account Name : XXXX # XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX Date Opened XX/XX/XXXX Account Name : XXXX # XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX Date Opened XX/XX/XXXX Account Name XXXX XXXX  XXXX # XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX Date Opened XX/XX/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 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
I closed my fifth third secured credit card in XX/XX/year> and they told me account was closed and I remember paying the last statement. 

Even on the fifth third app and website they removed the credit card so I was not able to see it. I thought it was paid off and closed. 

Then i started getting calls from fifth third but thought it was a scam. 

Later they told me I am late on my credit card and that I have statement that I never paid. This is completely inaccurate. They made me pay late fees and interest to close the account again and then they reported me to credit bureau as delinquent. Keep in mind all that for balance that was very small like {$150.00} This cause me credit harm, issues with my other credit cards and banks. 

They need to removed the false delinquency reporting because they hurt me and my relationships with other banks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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:
This morning, I discovered incorrect accounts listed on my credit report, and Im unsure how they got there. I routinely review my report, but this time I noticed some unexpected discrepancies. I even refreshed my browser thinking it might be a temporary glitch, but nothing changed. The errors remained. Due to this concern, I kindly ask that the documents I submitted be carefully reviewed so I can have peace of mind moving forward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information 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 non-monetary relief
Consumer complaint received 2025-04-11 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:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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 2025-04-11 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:
Company use my credit profile in properly, created a hindrance on my credit profile financially for me and my family

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 2025-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: WA

Complaint narrative:
Trying to relieve my father 's financial burden, I linked my bank account to pay the Parent Plus loans that were under his name. On XX/XX/XXXX, my father, the borrower of a Parent PLUS loan for my college education, passed away. The loan, managed by Nelnet, was eligible for discharge upon his death, per federal student loan rules. His death certificate was sent to the company after grieving, however there was a problem with the discharge that I was not made aware of. Automatic payments continued to be withdrawn from my personal bank account, which I had linked to the loan years earlier to help my father with payments, and I didn't notice them amongst the other student loan payments that were under my name. Between XX/XX/XXXX, and XX/XX/XXXX, I paid a total of {$9100.00} on the loan, despite it being dischargeable.

I have screenshots of the withdrawals from my bank account and the servicers receipts confirming these payments, which I can provide. The loan was discharged on XX/XX/XXXX, but the servicer did not refund the payments I made after my fathers death. I contacted Nelnet multiple times to remedy this. On XX/XX/XXXX, I requested a refund of the {$9100.00}, explaining that I paid from my account unknowingly on a discharged loan. They denied my request to refund the bank account being drawn from because they said it had to be sent to the estate despite the funds not being drawn from my late father 's estate. They sent a check which can not be cashed, but this is not a sufficient solution.

These payments were not my legal obligation, as I was not the borrower, and my fathers estate is closed with no assets. The {$9100.00} overpayment has caused me financial strain. I request that Nelnet refund me the full amount, supported by my evidence of payments made after XX/XX/XXXX. Please help assist me in resolving this issue promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: CA

Complaint narrative:
I CONTACTED EXPERIAN AND EQUIFAX A MILLION TIMES TO HELP ME REMOVE FRAUDULENT ADDRESSES THAT DO NOT BELONG TO ME. I AM SUFFERING AS A HUMAN TRAFFICKING AND IDENTITY THEFT VICTIM. THEY HAVE BEEN REFUSING TO REMOVE AND UPDATE MY ADDRESS ON MY CREDIT FILE. MY ADDRESS IS THE FOLLOWING : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. ANY OTHER ADDRESS ( XXXX ) REPORTING ON MY CREDIT FILE DO NOT BELONG TO ME!! PLEASE REMOVE AND BLOCK ANY ADDRESS OTHER THAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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 2025-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: IL

Complaint narrative:
My Card keep being charged by XXXX  and my dont get anything for it almost like im being scammed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: GA

Complaint narrative:
The late reports should have been updated per XXXX XXXX XXXX as I got the account paid up. The creditor agreed and never sent updated letter to remove the late payments from XXXX 2023 XX/XX/year>2023 as I had a tragic passing of my dad around that time. Please update all 3 bureaus Equifax, XXXX, Transunion

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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:
I am formally requesting that you block and remove these unauthorized accounts from my credit report immediately. I have no association with these accounts, nor did I authorize their creation. According to USC 1681g, they must be removed within 15 days. Ive attached the necessary documents for your review. Please note that each bureau is reporting different, inaccurate information related to these accounts.

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 2025-04-11 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Called Care Credit because my application ( Account XXXX ) and credit line of {$6500.00} was approved and confirmed although I received letter from Synchrony Bank stating they were unable to assign the credit amount requested. 

I spoke to agent, XXXX on XX/XX/year> @ XXXX regarding the letter dated XX/XX/year> XXXX. XXXX confirmed that my account was created and a card has been issued as of today, XX/XX/year> to my confirmed address.

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 2025-04-11 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation