vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-25 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 writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report.

Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items.

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 2025-04-25 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:
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 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, 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 four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Under 15 U.S. Code 1681a ( 2 ) ( B ) 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 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.

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 2025-04-25 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am writing to formally dispute inaccurate information currently being reported on my credit file. Specifically, I am disputing a late payment reported by XXXX XXXX for the month of XX/XX/year> on account number XXXX. 

I have never made a late payment on this account. I have contacted XXXX XXXX directly and requested verification of this alleged delinquency. However, they have not provided any documentation or evidence to support the claim that I was late. Under the Fair Credit Reporting Act ( FCRA ), any item of information on a credit report must be complete and accurate, and must be removed or corrected if it can not be verified.

Given that no valid documentation has been provided to substantiate this derogatory entry, I am formally requesting that this late payment notation be immediately removed from my credit report. This error is negatively affecting my credit standing and does not reflect my true payment history.

Please conduct an investigation into this matter and update my credit report accordingly. I have attached a copy of my identification and a recent utility bill to verify my identity, along with the letters that i sent to each bureau.

Thank you for your prompt attention to this matter. I expect a response within the 30-day timeframe as required by the FCRA.

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 2025-04-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: CA

Complaint narrative:
I entered into terms for Public Service Student Loan Forgiveness in 2018 as a XXXX that were unclear, as well as Income Driven Repayment. I was falsely told that my payments would be {$0.00} each month as long as I paid a fee annually to recertify. Since then XXXX has been found guilty of fraudulent practices and I am still waiting for my loan to be discharged. Subsequently, I had received an email from the US Department of Education stating that my loan qualified for forgiveness. My current loan holder has not responded with an updated status and now I am risking defaulting on my loan. I had even contacted XXXX XXXX and his firm to get information on what I need to do to progress toward loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I wrote to formally ask them to provide proof of my debt in relation to the account with Pentagon Federal Credit Union. I also informed them that the dealership miss represented me when applying for the auto loan. Also the dealership ( XXXX XXXX XXXX has been shut down for the exact reasons. 
Please find the details of the account in question below : Account Number : XXXX Amount Owed : {$35000.00} I request that they confirm the outstanding balance and provide any supporting documentation to verify the debt, including a breakdown of the charges or any other information necessary for my records. 

They did not provide valid proof.

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 2025-04-25 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: TN

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-04-25 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a 3 bureau table. Please assist me in getting this issue resolved.

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 2025-04-25 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: TX

Complaint narrative:
Student loans were taken out in my name without my permission or consent, resulting in several unauthorized accounts appearing on my credit report. This issue began approximately XXXX years ago, and I have been persistently battling with XXXX regarding these loans ever since. 

I have contacted them multiple times to address this issue, but it seems like my concerns are consistently overlooked. Instead of taking action to investigate how this occurred, I find myself being shuffled around and caught in a frustrating cycle. 

Whats frustrating is that, despite numerous attempts to resolve this through their customer service, I have repeatedly requested proof that I authorized these loans. I've probably asked over XXXX times, yet to this day, they still haven't provided any evidence. 

Recently, I learned about the possibility of obtaining a promissory note for the loan that was opened. To my surprise, the name on the document isnt even mine ; they are using a maiden name from my family as the last name.

Im at a loss as to how a company can operate in this manner. Its truly baffling, and I feel uncertain about how to tackle this issue. They continually instruct me to fill out a fraud form and send it back, which I have done over XXXX times since this ordeal began. Yet, whenever I follow up for an update, they claim they never received the form. Even when I send it via certified mail, it gets returned to sender. 

I submitted a discharge request in XXXX, and its still pending even though we are now in XXXX. This ongoing issue has caused immense stress and is preventing us from purchasing a home. 

I strongly believe I shouldnt be held accountable for loans that I neither opened nor authorized. Despite my efforts, I worry that this may not lead to any resolution, given my past experiences with XXXX, where things rarely unfold as they should. You'd expect this issue to be treated as a top priority, but unfortunately, that doesn't seem to be the case, and they just dont seem to care.

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 2025-04-25 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:
Student loans were taken out in my name without my permission or consent, resulting in several unauthorized accounts appearing on my credit report. This issue began approximately XXXX years ago, and I have been persistently battling with XXXX regarding these loans ever since. 

I have contacted them multiple times to address this issue, but it seems like my concerns are consistently overlooked. Instead of taking action to investigate how this occurred, I find myself being shuffled around and caught in a frustrating cycle. 

Whats frustrating is that, despite numerous attempts to resolve this through their customer service, I have repeatedly requested proof that I authorized these loans. I've probably asked over XXXX times, yet to this day, they still haven't provided any evidence. 

Recently, I learned about the possibility of obtaining a promissory note for the loan that was opened. To my surprise, the name on the document isnt even mine ; they are using a maiden name from my family as the last name.

Im at a loss as to how a company can operate in this manner. Its truly baffling, and I feel uncertain about how to tackle this issue. They continually instruct me to fill out a fraud form and send it back, which I have done over XXXX times since this ordeal began. Yet, whenever I follow up for an update, they claim they never received the form. Even when I send it via certified mail, it gets returned to sender. 

I submitted a discharge request in XXXX, and its still pending even though we are now in XXXX. This ongoing issue has caused immense stress and is preventing us from purchasing a home. 

I strongly believe I shouldnt be held accountable for loans that I neither opened nor authorized. Despite my efforts, I worry that this may not lead to any resolution, given my past experiences with XXXX, where things rarely unfold as they should. You'd expect this issue to be treated as a top priority, but unfortunately, that doesn't seem to be the case, and they just dont seem to care.

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 2025-04-25 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:
XXXX XXXX were taken out in my name without my permission or consent, resulting in several unauthorized accounts appearing on my credit report. This issue began approximately nine years ago, and I have been persistently battling with XXXX regarding these loans ever since. 

I have contacted them multiple times to address this issue, but it seems like my concerns are consistently overlooked. Instead of taking action to investigate how this occurred, I find myself being shuffled around and caught in a frustrating cycle. 

Whats frustrating is that, despite numerous attempts to resolve this through their customer service, I have repeatedly requested proof that I authorized these loans. I've probably asked over 50 times, yet to this day, they still haven't provided any evidence.

Recently, I learned about the possibility of obtaining a promissory note for the loan that was opened. To my surprise, the name on the document isnt even mine ; they are using a maiden name from my family as the last name.

Im at a loss as to how a company can operate in this manner. Its truly baffling, and I feel uncertain about how to tackle this issue. They continually instruct me to fill out a fraud form and send it back, which I have done over five times since this ordeal began. Yet, whenever I follow up for an update, they claim they never received the form. Even when I send it via certified mail, it gets returned to sender.

I submitted a discharge request in XXXX, and its still pending even though we are now in XXXX. This ongoing issue has caused immense stress and is preventing us from purchasing a home. 

I strongly believe I shouldnt be held accountable for loans that I neither opened nor authorized. Despite my efforts, I worry that this may not lead to any resolution, given my past experiences with XXXX, where things rarely unfold as they should. You'd expect this issue to be treated as a top priority, but unfortunately, that doesn't seem to be the case, and they just dont seem to care.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: 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 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 2025-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
An account with synchrony bank was falsely opened in my name. I have made multiple attempts to have this account removed from my credit report I have made multiple attempts to ask for proof of debt and all I get is a bill I am asking for the id that was used or my signature and it has yet to be provided. the company has charged off the debt and at this point its being resold by multiple XXXX parties and XXXX different companies threatening to sue me this illegal and I am demanding these attempts cease. My info was compromised in a data breach with the credit bureaus and I am making a police report to correlate

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 2025-04-25 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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:
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 if the person knows or has reasonable cause to believe that the information is innacurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Albert Corporation
State: DC

Complaint narrative:
I spent the entire day yesterday ( XX/XX/year>XXXX  ) doing every single tech tactic I know how to get the verification code to show in my phone, which absolutely has me to conclude the issue was definitely coming from the AlbertCompany 's end. Something told me to see if other people have been having the same issue, insteadI ran into a infinite mass of complaints against the employees of the Albert app from everything to refusing or lying about closing a person 's account, stealing money from people 's accounts when they don't owe the Albert Company money & the list goes on. 

That's atrocious business practices that I definitely don't need for me & my personal information to be victim or a sucker of. My identity has already been stolen from another company 's servers being compromised. Between Aura Identity Protection, both my Credit Unions ' Fraud Division, The DC Attorney General 's Office & literally all the Federal Consumer Financial Protection entities are under heavy surveillance. This is do to the mountain of evidence, affidavits & police report I submitted the moment unauthorized activity was done using my personal information. So in retrospect I need Albert to completely delete my information from their database/system. I still was unable to get the verification code even using my XXXX  email address yesterday evening after Albert 's Customer Service claim to close the account with my XXXX email. I was advised to create a new account to see if the phone verification code would work then & it didn't. Albert Support did email me claiming to have closed 1 account, but not at liberty to do account deletion for BOTH my XXXX XXXX XXXX email addresses I used while thinking I would be able to finally login to the account. 

Everybody 's situation is different as to why they do cash advances during a high time of personal account intrusion happening constantly by thieves. The Albert company shouldn't be contributing to it. My reason is to keep my small expenses paid until my deposit into my Credit Union account transpires then immediately pay it back. There's no law, that I'm aware of, giving these cash advance companies the legal right to hold onto people 's personal info & the banking info indefinitely simply because their own made-up disclaimer. Cash advance companies do not have an unlimited right to hold onto, sell, or access Consumers personal information and bank accounts after a cash advance account is closed, even if they include disclaimers in their agreements. Their rights and obligations are governed by federal and state privacy and consumer protection laws, not just by their own disclaimers.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation