vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-03-20 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: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-03-20 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: MI

Complaint narrative:
I am writing to file a formal complaint against Experian regarding a data breach that has compromised my identity, resulting in unauthorized activity appearing on my credit report. Despite my repeated efforts to address this issue, Experian has failed to provide assistance, and the inaccuracies continue to impact my financial well-being. 

As a result of the breach, I have noticed several fraudulent accounts and unauthorized inquiries listed on my credit report, causing significant financial hardship. The discrepancies have lowered my credit score, making it difficult to secure loans and affecting my ability to conduct everyday transactions. In addition, I am dealing with ongoing personal stress and emotional injury as I attempt to resolve the matter. 

I immediately contacted Experian to dispute the unauthorized activity and correct my credit report. However, not only has Experian failed to respond to my inquiry, but they have also refused to investigate or take the necessary steps to rectify the issue. This lack of accountability and customer service is unacceptable. 

Given the severity of the situation and the damage that has already been done, I respectfully request the CFPB 's intervention in this matter. I ask that you assist me in ensuring Experian takes responsibility for the breach, investigates the inaccuracies on my credit report, and resolves the situation promptly. 

I have attached copies of my communications with Experian, including my dispute request, and any relevant documentation to support my claim. I kindly ask that you take immediate action to address this issue and prevent further harm to my financial stability and personal well-being. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue as soon as possible.

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 2025-03-20 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: CO

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: OPTUM BANK, INC.
State: IL

Complaint narrative:
I took out a personal loan from Proceed Finance ( XXXX XXXX XXXX XXXX to pay for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXs. However, my treatment was never completed as promised, and I was left with non-functional, XXXX XXXX 

On XXXX XXXX XXXXXX/XX/year>, the Illinois Department of Financial and Professional Regulation ( XXXX ) permanently inactivated XXXX XXXX XXXX XXXX  due to gross negligence, fraudulent billing, and patient abandonment. This confirms the provider was legally unable to complete the financed treatment. 

I formally disputed this loan with Proceed Finance, but they refused to investigate and continue demanding payments for an incomplete and fraudulent XXXX XXXX. They are also reporting this invalid debt to credit bureaus, harming my credit. 

I request that CFPB investigate Proceed Finance for predatory lending and unfair collection practices, halt any further collection efforts, and ensure this disputed debt is removed from my credit report. I have documentation to support my claim, including proof of the providers misconduct and my formal dispute with Proceed Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: GA

Complaint narrative:
I am filing this complaint under FCRA 605B ( 15 USC 1681c-2 ) to request that EQUIFAX block fraudulent information appearing on my credit report. These accounts resulted from identity theft, the Equifax data breach, and fraud and must be removed within four ( 4 ) business days of receiving this request.

The fraudulent accounts and inquiries include : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. Request for Account Blocking and Deletion Due to Data Breach XXXX  XXXX Account Number : XXXX Please Delete this account. The account statuses do not match on each bureau. The bureaus are violating the XXXX by providing inaccurate information. 
I DO NOT recognize these accounts, collections, or inquiries. They were not opened, authorized, or initiated by me and are causing inaccurate reporting on my consumer FICO credit report. 
I expect XXXX to comply with the Fair Credit Reporting Act ( FCRA ) and immediately block these fraudulent items from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: CA

Complaint narrative:
I am currently reviewing my Equifax credit report and there are addresses reporting on my credit report that are not mine. 
Below is a list of the addresses that I would like to have permanently deleted : 1. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX XXXX XXXX XXXX My actual address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which it states on my drivers license.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: BTH Management
State: VA

Complaint narrative:
This account they put on my credit is not mine. they asked me for the last 4 of my SSC an it did not match the one they had

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: NY

Complaint narrative:
I recently contacted the credit bureau in reference to fraudulent items being reported on my credit report, accounts and addressed.

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 2025-03-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
please remove fraudulent inquiries TRANSUNION: XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: NJ

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX XXXX Owed : {$4700.00} Charged off XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$870.00} Charged off XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX  XXXX **** Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off XXXX CARD XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Collection Inquiries in Dispute : XXXX XX/XX/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 explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am formally disputing the reporting of delinquent student loan payments on my credit report. My student loan servicer failed to provide proper and timely notification that my loans had exited forbearance, resulting in incorrectly reported delinquencies that have significantly impacted my credit score. 
Upon reviewing my credit report, I discovered that my student loans were reported as 30, 60, and even 90 days delinquent, despite the fact that I was never notified of any payment due. I did not receive any emails, phone calls, or mailed notices informing me that my forbearance period had ended. Had I been properly notified, I would have taken immediate action to prevent any negative reporting. 
Under the Fair Credit Reporting Act ( FCRA ) and consumer protection laws, loan servicers are required to ensure that reported information is accurate and to provide borrowers with reasonable notice before taking adverse credit actions. In this case, I was denied the opportunity to make payments on time because my servicer failed to communicate this critical information. 

Due to actions taken by XXXX, my credit score experienced a decline of XXXX points in XX/XX/XXXX following 5 accounts from the XXXX. of XXXX being reported 120 days past due as of XX/XX/XXXX. It is important to note that my current email address was not used in this process. XXXX is aware of my current email address, as I have previously received correspondence from them in XXXX, which was unrelated to repayment matters.

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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am formally disputing the reporting of delinquent student loan payments on my credit report. My student loan servicer failed to provide proper and timely notification that my loans had exited forbearance, resulting in incorrectly reported delinquencies that have significantly impacted my credit score. 
Upon reviewing my credit report, I discovered that my student loans were reported as 30, 60, and even 90 days delinquent, despite the fact that I was never notified of any payment due. I did not receive any emails, phone calls, or mailed notices informing me that my forbearance period had ended. Had I been properly notified, I would have taken immediate action to prevent any negative reporting. 
Under the Fair Credit Reporting Act ( FCRA ) and consumer protection laws, loan servicers are required to ensure that reported information is accurate and to provide borrowers with reasonable notice before taking adverse credit actions. In this case, I was denied the opportunity to make payments on time because my servicer failed to communicate this critical information. 

Due to actions taken by XXXX, my credit score experienced a decline of XXXX points in XX/XX/XXXX following 5 accounts from the XXXX. of XXXX being reported 120 days past due as of XX/XX/XXXX. It is important to note that my current email address was not used in this process. XXXX is aware of my current email address, as I have previously received correspondence from them in XXXX, which was unrelated to repayment matters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am formally disputing the reporting of delinquent student loan payments on my credit report. My student loan servicer failed to provide proper and timely notification that my loans had exited forbearance, resulting in incorrectly reported delinquencies that have significantly impacted my credit score.

Upon reviewing my credit report, I discovered that my student loans were reported as 30, 60, and even 90 days delinquent, despite the fact that I was never notified of any payment due. I did not receive any emails, phone calls, or mailed notices informing me that my forbearance period had ended. Had I been properly notified, I would have taken immediate action to prevent any negative reporting. 
Under the Fair Credit Reporting Act ( FCRA ) and consumer protection laws, loan servicers are required to ensure that reported information is accurate and to provide borrowers with reasonable notice before taking adverse credit actions. In this case, I was denied the opportunity to make payments on time because my servicer failed to communicate this critical information. 

Due to actions taken by XXXX, my credit score experienced a decline of XXXX points in XX/XX/XXXX following 5 accounts from the XXXX. of XXXX being reported 120 days past due as of XX/XX/XXXX. It is important to note that my current email address was not used in this process. XXXX is aware of my current email address, as I have previously received correspondence from them in XXXX, which was unrelated to repayment matters.

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 2025-03-20 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXX Account # : XXXX XXXX  Account # XXXX XXXX XXXX  XXXX  XXXX  ( Original Creditor : XXXX  ) Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX  Account # : XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX _____________________________________________________________ INQUIRIES : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  IN Mortgage Reporters XX/XX/XXXX XXXX XXXX XXXX Mortgage Companies XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX Issued by XXXX  XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX  XXXX - XXXX XX/XX/XXXX XXXX XXXX/XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX  XXXX  XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate. 
15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 LATE PAYMENT CODE 15 USC 1681 BA2 LATE PAYMENT CODE 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.

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 2025-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
( Block, Inc. ) Due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App fail 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 Fund Transfer 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