vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-04 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-03 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: IL

Complaint narrative:
I am filing this CFPB complaint because I am a victim of identity theft. I discovered XXXX credit card accounts that were fraudulently opened in my name without my knowledge or consent. TheXX/XX/XXXX is an XXXX XXXX account opened in XX/XX/XXXX, which I did not apply for or use. The second is a XXXX ( XXXX ) credit card account opened in XX/XX/XXXX and another XXXX ( XXXX ) credit card opened in XX/XX/XXXX. I became fully aware of the fraud in XX/XX/XXXX after reviewing my credit report and receiving a lawsuit notice regarding the XXXX account. I have since filed a report with the FTC through XXXX and am attaching that documentation along with screenshots from my credit report. I am requesting that these fraudulent accounts be removed from my credit file and that all collection activities, lawsuits, and reporting cease under my rights provided by the FCRA and FDCPA.

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 2025-05-03 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I NOTICE ACCT XXXX  # XXXX AND XXXX  XXXX BOTH ACCT WAS ISSUED A 1099C AND SHOULD NOT BE REPORTING INCOME ON 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 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I NOTICE ACCT XXXX  # XXXX AND XXXX  XXXX BOTH ACCT WAS ISSUED A 1099C AND SHOULD NOT BE REPORTING INCOME ON 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 2025-05-03 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: EQUIFAX, INC.
State: AR

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: EQUIFAX, INC.
State: NC

Complaint narrative:
b'This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal: Pursuant to XXXX  U.S. Code  XXXX, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under XXXX XXXX XXXX XXXX, XX/XX/XXXX, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within XXXX  (XXXX) business days of receiving this letter. These are the list of Items need to be deleted ASAP:\n\t8905 XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, WV XXXX XXXXXXXX Balance: XXXX XXXX  Balance: XX/XX/XXXX: XX/XX/3540 Balance: XX/XX/XXXXUnder XXXX  U.S. Code XXXX Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under XX/XX/XXXXU.S. Code XXXX  - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC
State: NC

Complaint narrative:
I am sending this asking for your help to file a formal complaint against NTL RECOVERY AGENCY regarding an account I have with them XXXX * * * *. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : NATL RECOVER ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX * * * * Balance : {$240.00} I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with NTL R ECOVERY AGENCY but to no avail.

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 2025-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App 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 FundTransfer 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 2025-05-03 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: Synovus Bank
State: LA

Complaint narrative:
Hey there CFPB. Ive tried to dispute my XXXX closed account and have them remove it from my credit report. It was for my first progress account I paid them off and it was an agreement that they would remove it from my credit report but its still showing on my credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I reached a settlement amount from an American express debt collector which was agreed by both parties. I was provided the incorrect wire transfer bank information which resulted in my money missing and no update or reason for the misinformation. Im completely lost and destroyed as it was more than {$5500.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several inquiries that are incorrectly reported or showing inaccurate data. Below are the details of the inquiries in question XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against AMEX regarding an account I have with them XXXX XXXX XXXX XXXX XXXX. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : AMEX XXXX XXXX XXXX XXXX XXXX Balance : {$8400.00} I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with AMEX but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: TX

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 non-monetary relief
Consumer complaint received 2025-05-03 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: TN

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: TX

Complaint narrative:
I am requesting the removal of the unauthorized inquiry on my report. I have already met all the necessary requirements and provided the required documentation for its deletion. I kindly ask that this be addressed promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and Transunion data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Formal Dispute and Complaint Regarding XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX and Privacy Violations To Whom It May Concern, I am writing to formally dispute my federal student loans and request an immediate full discharge and cancellation due to a serious breach of my personal and financial information. 

These serious private, legal, and data security concerns includes : Servicer : XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX My personally identifiable information ( PII ) and financial data was compromised without my authorization. 

This situation has been publicly reported, and raises major concerns under multiple federal laws. 

Legal Grounds for Dispute and Complaint : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ) : Duty to report accurate and verified information 15 U.S.C. 1681i ( 7 ) : Right to dispute with new/relevant info 15 U.S.C. 1681b : Limits on access to consumer information Privacy Act of XXXX Protects personal information from misuse by federal agencies XXXX ( Family Educational Rights and Privacy Act ) Protects educational records Higher Education Act Regulates federal student aid Consumer Protection Laws Prohibits unfair or deceptive practices Additionally, I recently discovered XXXX Master Promissory Notes for XXXX XXXX I never attended. 

Also, I found XXXX federal student loan amounts {$10000.00} ( XXXX XXXX ) and {$2000.00} ( XXXX XXXX I did not take a course or received funds from. This raises serious concerns of unauthorized loan activity and identity misuse. 

I am requesting the immediate cancellation and discharge of my student loan debt in full, due to multiple legal violations and unauthorized loan activity at schools I did not attend, which severely violated my rights.

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 2025-05-03 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: NY

Complaint narrative:
Formal Dispute and Complaint Regarding XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX and Privacy Violations To Whom It May Concern, I am writing to formally dispute my federal student loans and request an immediate full discharge and cancellation due to a serious breach of my personal and financial information. 

These serious private, legal, and data security concerns includes : Servicer : XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX My personally identifiable information ( PII ) and financial data was compromised without my authorization. 

This situation has been publicly reported, and raises major concerns under multiple federal laws. 

Legal Grounds for Dispute and Complaint : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ) : Duty to report accurate and verified information 15 U.S.C. 1681i ( 7 ) : Right to dispute with new/relevant info 15 U.S.C. 1681b : Limits on access to consumer information Privacy Act of 1974 Protects personal information from misuse by federal agencies XXXX ( Family Educational Rights and Privacy Act ) Protects educational records Higher Education Act Regulates federal student aid Consumer Protection Laws Prohibits unfair or deceptive practices Additionally, I recently discovered XXXX Master Promissory Notes for XXXX XXXX I never attended. 

Also, I found XXXX federal student loan amounts {$10000.00} ( XXXX XXXX ) and {$2000.00} ( XXXXXXXX XXXX I did not take a course or received funds from. This raises serious concerns of unauthorized loan activity and identity misuse. 

I am requesting the immediate cancellation and discharge of my student loan debt in full, due to multiple legal violations and unauthorized loan activity at schools I did not attend, which severely violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: NY

Complaint narrative:
Formal Dispute and Complaint Regarding XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX and Privacy Violations To Whom It May Concern, I am writing to formally dispute my federal student loans and request an immediate full discharge and cancellation due to a serious breach of my personal and financial information. 

These serious private, legal, and data security concerns includes : Servicer : XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX My personally identifiable information ( PII ) and financial data was compromised without my authorization. 

This situation has been publicly reported, and raises major concerns under multiple federal laws. 

Legal Grounds for Dispute and Complaint : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ) : Duty to report accurate and verified information 15 U.S.C. 1681i ( 7 ) : Right to dispute with new/relevant info 15 U.S.C. 1681b : Limits on access to consumer information Privacy Act of XXXX Protects personal information from misuse by federal agencies XXXX ( Family Educational Rights and Privacy Act ) Protects educational records Higher Education Act Regulates federal student aid Consumer Protection Laws Prohibits unfair or deceptive practices Additionally, I recently discovered XXXX Master Promissory Notes for XXXX XXXX I never attended. 

Also, I found XXXX federal student loan amounts {$10000.00} ( XXXX XXXX  ) and {$2000.00} ( XXXXXXXX XXXX  I did not take a course or received funds from. This raises serious concerns of unauthorized loan activity and identity misuse. 

I am requesting the immediate cancellation and discharge of my student loan debt in full, due to multiple legal violations and unauthorized loan activity at schools I did not attend, which severely violated my rights.

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 2025-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Chime Financial Inc
State: OK

Complaint narrative:
I attempted to open a Chime checking account. I completed the application and submitted all required information. Immediately after submission, I received a message saying they could not open the account due to security reasons and that they can not provide any further explanation. I believe I should be entitled to a clear reason for the denial, especially since no specific errors were identified. I have no negative banking history and meet the eligibility requirements. This vague refusal has affected my ability to access financial services.

Company response to consumer: Closed with explanation