vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: NY

Complaint narrative:
My domestic partner had a cash app specifically for doing taxes. She has no access to the old email linked to her cash app account. She had tried multiple times doing the steps on the app to retrieve the old account but was unsuccessful. We had called and taken all steps provided to access this account and were unsuccessful after calling twice as told by the representative. He said to create a new account and asked for all her information including her personal banking information. Then said to hang up and call back then she would be able to access the old account by the next representative that answers, we were confused by this but did what he said. The XXXX XXXX was no help as well. He was also confused about why we had to make a new account and said he couldnt help, all he could do was give us steps to retrieve the old account. Which was also a failure. We are so confused how a company can have all control of accounts but at the same time have no control of these accounts. At this point were done with cash app with much disappointment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: AL

Complaint narrative:
On XX/XX/year>, I submitted a dispute through the Consumer Financial Protection Bureau ( CFPB ) portal, highlighting the presence of incorrect name variations on my credit report. I provided copies of my Social Security card, driver 's license, and other supporting documents to verify my identity and correct legal name. 

Equifax 's Response : On XX/XX/year>, I received a response stating that additional time was needed to review my submission. Subsequently, I was informed that XXXX required copies of my Social Security card and driver 's license to update my name. I had already provided these documents with my initial dispute. 

Current Situation : As of today, XX/XX/year>, my credit report still reflects incorrect name variations. This ongoing inaccuracy is concerning and may adversely affect my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: AL

Complaint narrative:
On XX/XX/year>, I submitted a dispute through the Consumer Financial Protection Bureau ( CFPB ) portal, highlighting the presence of incorrect name variations on my credit report. I provided copies of my Social Security card, driver 's license, and other supporting documents to verify my identity and correct legal name. 

Equifax 's Response : On XX/XX/year>, I received a response stating that additional time was needed to review my submission. Subsequently, I was informed that XXXX required copies of my Social Security card and driver 's license to update my name. I had already provided these documents with my initial dispute. 

Current Situation : As of today, XX/XX/year>, my credit report still reflects incorrect name variations. This ongoing inaccuracy is concerning and may adversely affect my credit profile.

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 2025-03-07 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: NJ

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
this company is reporting fraudulent inaccurate information on my credit report I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me XXXX XXXX XXXX {$1400.00} 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 2025-03-07 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-03-07 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: LA

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

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

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

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 explanation
Consumer complaint received 2025-03-07 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: WV

Complaint narrative:
My balances on XXXX of my cards are reporting over a 100 % utilization and it tanked my credit! I have letters from the credit card company with my balance!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: CT

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-07 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: CT

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: TN

Complaint narrative:
I am a victim of XXXX, and the information listed below on my credit report is a result of that XXXX : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXXXXXX XXXX on XX/XX/XXXX XXXXXXXX XXXX on XX/XX/XXXX In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this 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 2025-03-07 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: MN

Complaint narrative:
Data breach of my sensitive data conducted by the government entity DOGE. Massive security breach to my department of education information

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 2025-03-07 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: MN

Complaint narrative:
Data breach of my sensitive data conducted by the government entity DOGE. Massive security breach to my department of education information

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 2025-03-07 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
When applying for a XXXX XXXX  credit card in XX/XX/year> it was stated this is under XXXX and not my personal information, as I applied with a XXXX XXXX number. This XXXX inquiry on my Equifax credit report on XX/XX/year>, should not be on my personal credit report as stated by law. 

Also, a XXXX on all XXXX credit reports from XXXX XXXX dated XX/XX/XXXX is incorrect. I did not open a XXXX credit card with XXXX XXXX. Therefore, the XXXX XXXX XXXX dated XX/XX/year>, should be removed from my credit 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 2025-03-07 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: GA

Complaint narrative:
When applying for a XXXX XXXX  credit card in XX/XX/year> it was stated this is under XXXX and not my personal information, as I applied with a XXXX XXXX number. This XXXX inquiry on my Equifax credit report on XX/XX/year>, should not be on my personal credit report as stated by law. 

Also, a XXXX on all XXXX credit reports from XXXX XXXX dated XX/XX/XXXX is incorrect. I did not open a XXXX credit card with XXXX XXXX. Therefore, the XXXX XXXX XXXX dated XX/XX/year>, should be removed from my credit 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 2025-03-07 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:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Self Financial Inc.
State: GA

Complaint narrative:
This company is constantly harassing me. Refuses to remove the item off my report when item was already paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc.
State: MD

Complaint narrative:
THE DEPARTMENT OF EDUCATION AND AIDVANTAGE ARE IN VIOLATION OF THE FAMILY EDUCATIONAL RIGHTS AND PRIVACY ACT FERPA IS A FEDERAL LAW ENACTED IN 1974 THAT PROTECTS THE PRIVACY OF STUDENT EDUCATION RECORDS. FERPA APPLIES TO ANY PUBLIC OR PRIVATE ELEMENTARY, SECONDARY, OR POSE SECONDARY SCHOOL. 20 USC 1232g ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EGL US, LLC
State: FL

Complaint narrative:
I have been communicating XXXX regarding my loan prior to XX/XX/XXXX XXXX XXXX, XXXX. A representative disclosed to me today that my loan account was charged off on XX/XX/XXXX due to XXXX  months of non payment. 
The representative XXXX told me that my loan has been charged off since XX/XX/XXXX because XXXX  months starting XXXX XXXX XX/XX/XXXX they received no payments from my employer which is inaccurate. 

The reporting of this account is inaccurate and violates my consumer rights to fair accurate reporting under FCRA XXXX. 
It also goes against the Fair Credit Billing Act I have made payments consistently through financial allotments from my employer and I have questioned XXXX several times regarding the accuracy of my account balance and reporting of my account. 

I have tried to resolve this issue with XXXX diplomatically and yesterday XX/XX/XXXX a representative from your office has brought it to my attention that funds of over {$2700.00} were in the bank and I needed to contact XXXX to release the funds to XXXX. 
He texted me the number to call XXXX and they wired over the sum of {$2700.00} to XXXX XX/XX/XXXX. I was never told that my account was charged off or late during this time as well. I was told that my account was current and they did not report me as late to the credit bureaus. 

I was never notified in writing or via email or even verbally that my account was delinquent and now my I am being told that it has been over a year and my account was charged off in XXXX but never reported as such. 

Not only has XXXX been stealing my money they received a transfer from the bank yesterday XX/XX/XXXX is the sum of {$2.00}, XXXX that the bank has been collecting for the allotments. This is not being reported to me or the credit bureaus as well. 

I was told that my account is eligible for a refinance of {$10000.00} after XXXX more payment is made yesterday when I spoke to a representative. 

There is clearly a communication issue with XXXX as well as unlawful conduct fraudulent practices and billing misconduct by XXXX and the staff in their office. The account has been reporting as current even after the alleged charge off date of XX/XX/XXXX. I have attached the reporting scale below.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: FL

Complaint narrative:
I have been communicating XXXX regarding my loan prior to XX/XX/XXXX XXXX XXXX, XXXX. A representative disclosed to me today that my loan account was charged off on XX/XX/XXXX due to XXXX  months of non payment. 
The representative XXXX told me that my loan has been charged off since XX/XX/XXXX because 3 months starting XXXX XXXX XX/XX/XXXX they received no payments from my employer which is inaccurate. 

The reporting of this account is inaccurate and violates my consumer rights to fair accurate reporting under FCRA XXXX. 
It also goes against the Fair Credit Billing Act I have made payments consistently through financial allotments from my employer and I have questioned XXXX several times regarding the accuracy of my account balance and reporting of my account. 

I have tried to resolve this issue with XXXX diplomatically and yesterday XX/XX/XXXX a representative from your office has brought it to my attention that funds of over {$2700.00} were in the bank and I needed to contact XXXX to release the funds to XXXX. 
He texted me the number to call XXXX and they wired over the sum of {$2700.00} to XXXX XX/XX/XXXX. I was never told that my account was charged off or late during this time as well. I was told that my account was current and they did not report me as late to the credit bureaus. 

I was never notified in writing or via email or even verbally that my account was delinquent and now my I am being told that it has been over a year and my account was charged off in XXXX but never reported as such. 

Not only has XXXX been stealing my money they received a transfer from the bank yesterday XX/XX/XXXX is the sum of {$2.00}, XXXX that the bank has been collecting for the allotments. This is not being reported to me or the credit bureaus as well. 

I was told that my account is eligible for a refinance of {$10000.00} after XXXX more payment is made yesterday when I spoke to a representative. 

There is clearly a communication issue with XXXX as well as unlawful conduct fraudulent practices and billing misconduct by XXXX and the staff in their office. The account has been reporting as current even after the alleged charge off date of XX/XX/XXXX. I have attached the reporting scale below.

Company response to consumer: Closed with non-monetary relief