vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 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: AR

Complaint narrative:
U.S DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX Demand for Deletion of Student Loan Accounts Under FERPA Dear US DEPT OF EDUCATION Representative, I am writing to formally demand the removal of student loan accounts listed on my credit report in accordance with the Family Educational Rights and Privacy Act ( FERPA ). Under FERPA, my education records are protected from unauthorized disclosure without my written consent.

Since my student loan records originate from my educational file, any reporting of such accounts without my direct, written permission constitutes a violation of FERPA. As such, I am exercising my rights under federal law and requesting immediate deletion of all student loan accounts from my credit file. 
Pursuant to the Fair Credit Reporting Act ( FCRA ), I also request that you conduct an investigation into this matter and provide a written response within 30 days, as required by law. If the accounts are not removed, I demand a detailed explanation along with the specific legal grounds that permit their continued reporting. 
Please consider this letter as my formal dispute of these accounts. If these accounts are not deleted, I am prepared to escalate this matter by filing complaints with the U.S. Department of Education, the Consumer Financial Protection Bureau ( CFPB ), and other regulatory agencies as necessary. 
I appreciate your immediate attention to this matter. Please confirm the deletion of the disputed accounts in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: AR

Complaint narrative:
U.S DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX Demand for Deletion of Student Loan Accounts Under FERPA Dear US DEPT OF EDUCATION Representative, I am writing to formally demand the removal of student loan accounts listed on my credit report in accordance with the Family Educational Rights and Privacy Act ( FERPA ). Under FERPA, my education records are protected from unauthorized disclosure without my written consent.

Since my student loan records originate from my educational file, any reporting of such accounts without my direct, written permission constitutes a violation of FERPA. As such, I am exercising my rights under federal law and requesting immediate deletion of all student loan accounts from my credit file. 
Pursuant to the Fair Credit Reporting Act ( FCRA ), I also request that you conduct an investigation into this matter and provide a written response within 30 days, as required by law. If the accounts are not removed, I demand a detailed explanation along with the specific legal grounds that permit their continued reporting. 
Please consider this letter as my formal dispute of these accounts. If these accounts are not deleted, I am prepared to escalate this matter by filing complaints with the U.S. Department of Education, the Consumer Financial Protection Bureau ( CFPB ), and other regulatory agencies as necessary. 
I appreciate your immediate attention to this matter. Please confirm the deletion of the disputed accounts in writing.

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 2025-06-02 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: NC

Complaint narrative:
I have recently received a copy of my credit report and noticed several inaccuracies and unauthorized account information reported in my credit report. These remarks have been detrimental to my life credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-02 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To whom it may concern, I recently reviewed a copy of my Experian and I noticed some late payments on my credit report : I disagree with the account listed below, which still appears on my credit report, despite your investigation. I would like this immediately re-investigated. 

The inaccuracies are highly injurious to my credit score. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Under The Fair Credit Reporting Act, Public Law XXXX, XXXX VI, Section XXXX. 

Please provide the names and business addresses of each individual with whom you verified Above, so that I may follow up. 

Please send me an updated copy of my credit report after your investigation. 

Furthermore, the FAIR CREDIT REPORTING ACT XXXX XXXX XXXX ( XXXX ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( a ) EXCLUSIONS- Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) Subject to section XXXX of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, This agency violates XXXX XXXX XXXX. 


Furthermore, you also reported inconsistent and inaccurate information on my consumer report. 

Once again, I XXXX XXXX is giving your company, 15 days to respond to this matter. 

Best Regards, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: TX

Complaint narrative:
Following identity theft caused by a data breach, fraudulent accounts have appeared on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), I request immediate removal within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX TX XXXX XXXX delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX Opened : XX/XX/XXXX, Balance : {$87.00} CELTIC - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$16000.00} XXXX C SYSTEM - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$620.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$320.00} XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$320.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$580.00} Inquiries XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX SYNCBAMAZON Date : XX/XX/XXXXXXXX XXXX XXXX Date : 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 2025-06-02 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:
Following identity theft caused by a data breach, fraudulent accounts have appeared on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), I request immediate removal within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX TX XXXX XXXX delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX Opened : XX/XX/XXXX, Balance : {$87.00} CELTIC - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$16000.00} XXXX C SYSTEM - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$620.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$320.00} XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$320.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$580.00} Inquiries XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX SYNCBAMAZON Date : XX/XX/XXXXXXXX XXXX XXXX Date : 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 non-monetary relief
Consumer complaint received 2025-06-02 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: AZ

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX * * * * * - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX 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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX - {$0.00} XXXX XXXX - XX/XX/XXXX - {$80.00} XXXX XXXX XXXX XX/XX/XXXX XXXX {$320.00} XXXX XXXX XXXX - XX/XX/XXXX XXXX {$13000.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX - XX/XX/XXXX - {$1300.00} XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX - {$0.00} XXXX XXXX - XX/XX/XXXX - {$80.00} XXXX XXXX XXXX XX/XX/XXXX XXXX {$320.00} XXXX XXXX XXXX - XX/XX/XXXX XXXX {$13000.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX - XX/XX/XXXX - {$1300.00} XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - 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 non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently reviewd a copy of my credit report and notive I had fradulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 



Please remove all fraudulent accounts. 

Thank you

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 2025-06-02 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I would like all of my late payments removed immediately that involves this student loan account with XXXX. This is not the original company I worked with during this time. Most importantly this information was removed and now has reappeared on to 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 2025-06-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The Bank BMO XXXX XXXX XXXX XXXX XXXX  has frozen my accounts with XXXX reason as to why the account was frozen. 

Timeline of Events : I am unemployed and A deposit was made via zelle into my account. I began paying bills, groceries etc and to cover business account pay covering the fees. Then as I was transferring between my accounts, I discovered I could NOT. 

I called no less than twice asking what the problems was and answer any questions. After verifying I am the owner of the account, The BMO representative told me the account was no able to be accessed at this moment and there NO number to call and NO one for me to speak to. The call ended I called again and requested to simply close the XXXX account. After once again verifying I am the owner of the account the BMO representative could NOT meet the request and close the account with NO reason why and why it was frozen this was Late last week of XXXX. I then Texted and messaged INSIDE the App requesting to close both business accounts Both on XX/XX/XXXX and XX/XX/XXXX XXXX then charged me the XXXX fees or {$10.00} totaling {$20.00} for both business accounts I was trying to close. 

I then contacted directly the BMO representative that opened my BMO accounts verified myself to close both business accounts. The BMO Representative that opened my account could not close the accounts and responded requesting to unfreeze the account so it could be closed. There has been NO response from any BMO representative to date on unfreezing accounts so I can close the accounts.

The BMO representative gave me an e-mail address Fraud department. I immediately wrote the department and requested unfreezing the account to close the the business account. NO response to email to fraud department. the entire month of May 2025, No call, nothing from BMO. I wrote BMO Fraud Department the last week of XX/XX/year> to NOW CLOSE ALL accounts with BMO or I would report. No response from BMO and they charged BOTH business account {$10.00} each for {$20.00} and i am unable to close.

This marks 2 months ongoing BMO has frozen my account with XXXX responses to calls, in app messaging, emails to close the business accounts and NOW all accounts. Originally the Business accounts were not to have a monthly charge if buisness was done with Bank of the West. BMO took over and changed that agreement for the XXXX accounts. 

Attached are all the e-mails and in app requests to close accounts XXXX months ago ongoing to this complaint.

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 2025-06-02 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: MS

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-06-02 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: TX

Complaint narrative:
I am submitting this complaint against Equifax due to their failure to properly investigate and delete inaccurate and unverifiable information on my credit file.

I provided Equifax with a certified dispute letter listing false accounts, unauthorized inquiries, and incorrect reporting. I also included a copy of my government ID and Social Security card as verification.

Yet, Equifax has either ignored the dispute or responded with unverifiable, boilerplate language without completing a good-faith investigation. Per the FCRA, this is unlawful.

The items still reporting inaccurately include : Repossession from XXXX XXXX Charge-offs from XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX Numerous hard inquiries never authorized These mistakes are interfering with my ability to get a home and vehicle. I am demanding full deletion of all unverified accounts and inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear 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