vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-16 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: OH

Complaint narrative:
XXXX XXXX Doge has accessed my student loan information, credit, and social security. My payments are no longer accurately reflected on my credit report and I lost 114 months worth. This is unacceptable. I entered into a binding contract regarding the repayment of my loans and all was lost when Doge illegally accessed and manipulated my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 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 XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, THANKS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Messerli & Kramer P.A.
State: WI

Complaint narrative:
XXXX  XXXX  had XXXX different collect debtors which claimed to be lawyers trying to collect a debt. The company from XXXX XXXX went to mediation and we were able to make payment arrangements with no issues. 
But other collector Messerli & Kramer PA that I also went to mediation with to make payment plans as too that went through XXXX ; their company was not corruptive on multiple occasions. I tried setting up automatic payment plans which they denied to help me with multiple times. 
All of their companies phone calls state that the are all recorded. Last day I tried to attempt again once more I was denied. I stated next time they want to take me to court I would expect all the recordings and contacts I've attempt to amend this issue. 
I now have court on XX/XX/year> In XXXX wisconsin with them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept EdXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 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: MI

Complaint narrative:
I XXXX XXXX, am a victim of identity theft, request removal and deletion of listed accounts on my Transunion credit report : DEPT OF EDXXXX ACCOUNT NUMBER XXXX Open date : XX/XX/XXXX, DEPT OF ED XXXX ACCOUNT NUMBER XXXX Open date : XX/XX/XXXX, DEPT OF EDXXXX  ACCOUNT NUMBER XXXX Open date : XX/XX/XXXX, DEPT OF EDXXXX ACCOUNT NUMBER XXXX Open date XX/XX/XXXX, DEPT OF EDUCATIONXXXX XXXX ACCOUNT NUMBER XXXX Open date XX/XX/XXXX, DEPT OF EDXXXX ACCOUNT NUMBER XXXX Open 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 2025-03-16 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: MD

Complaint narrative:
I have an account reporting inaccurate, incomplete, and mismatched data across all 3 of my credit reports. Numerous times I disputed the information with the credit bureaus as if this information was correct, then how can it be reporting differently on all 3 credit bureaus. Ive attempted multiple disputes and each time the credit bureaus state they investigated and determined the items to be verified. 

The credit bureaus FAILED to properly investigate the disputes to ensure accuracy of the mismatched data account and I am requesting a full and complete investigation by then as required by the FDCPA. I am also requesting all documentation used to determine their findings, their method of verification, and a complete detail of how they completed their investigation as required by law. If they can not verify all information is reporting accurately. I request an immediate deletion of the account from my credit reports. 

The account reporting inaccurately and mismatched data by equifax, experien, and transunion is listed as XXXXXXXX XXXX XXXX as a collection. 

All three credit bureaus failed to investigate multiple disputes for this same account previously and I am requesting they be held monitarily responsible and penalized as well as the account be removed

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 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have an account reporting inaccurate, incomplete, and mismatched data across all 3 of my credit reports. Numerous times I disputed the information with the credit bureaus as if this information was correct, then how can it be reporting differently on all 3 credit bureaus. Ive attempted multiple disputes and each time the credit bureaus state they investigated and determined the items to be verified. 

The credit bureaus FAILED to properly investigate the disputes to ensure accuracy of the mismatched data account and I am requesting a full and complete investigation by then as required by the FDCPA. I am also requesting all documentation used to determine their findings, their method of verification, and a complete detail of how they completed their investigation as required by law. If they can not verify all information is reporting accurately. I request an immediate deletion of the account from my credit reports. 

The account reporting inaccurately and mismatched data by equifax, experien, and transunion is listed as XXXXXXXX XXXX XXXX as a collection. 

All three credit bureaus failed to investigate multiple disputes for this same account previously and I am requesting they be held monitarily responsible and penalized as well as the account be removed

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 2025-03-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NC

Complaint narrative:
I am disputing the inaccurate reporting of a student loan account under XXXX compliance requirements and the Fair Credit Reporting Act ( FCRA ). Pursuant to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), data furnishers must ensure accurate reporting, and any unverifiable, outdated, or unauthorized information must be removed. 

Based on recent investigations, it has come to my attention that my student loan data may have been accessed and/or altered without my consent, violating XXXX Compliance Condition Code " XXXX  '' ( Consumer Disputes Account Information ). If you can not provide a verifiable record proving the legitimacy of this reporting, this account must be deleted immediately per XXXX XXXX compliance guidelines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-16 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: NJ

Complaint narrative:
I am submitting this statement as a victim of identity theft from the breach. Under 15 USC 1681c -2 ( a ) I request the immediate removal of all fraudulent items from my credit report. These unauthorized acccounts and transactions were not made by me. Please take prompt action to block and delete these fraudulent items as required by law.

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 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
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 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 XXXXXX/XX/year>

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 2025-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Block, Inc.
State: SC

Complaint narrative:
I ordered from XXXX through cash app and get a bacterial infection and rashes and so did my children! I contacted XXXX and they gave me a run around with no solution or anything! I disputed the transaction through cash app and havent heard back from them!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
In accordance with the fair credit reporting app transworld system Inc. Account # XXXX, has violated my rights 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 staes a consumer reporting agency can not furnish a account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: CT

Complaint narrative:
i had ( 6 ) accounts removed and ( 4 ) hard inquiries and 405 soft inquiries, although experian state soft inquiries dont hurt the credit score i never consented to these inquiries, which is a direct violation of my privacy. the soft inquiries had a systematic pattern of taping into my social security account starting in 15usc1681B ( permissable purposes ) As a result of the willful actions of EXPERIAN, my score has suffered unmeasurable damage from non compliance and willfull DISREGARD FOR DOING WHATS RIGHT IN THE EYES OF THE LAW! THERE ARE HUNDREDS OF THOUSANDS OF CASES WHERE EXPERIAN IS LIABLE FOR THIS SAME ACTION. 

" EXPERIAN CREDIT MATCH '' RAN A " SOFT '' INQUIRY EVERYDAY STARTING XX/XX/year> TO XX/XX/year>. 

" EXPERIAN CREDIT MATCH '' STARTED BACK UP RUNNING A " SOFT '' INQUIRIES XXXX XXXX MORE TIMES.

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 2025-03-16 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: AZ

Complaint narrative:
Ive reached out to credit bureaus multiple times through email through mail and through phone. The only credit bureau that cooperated was XXXX. Ive asked Equifax XXXX and XXXX  to provide proof of the accounts being mine. I am a single mother of three and experienced hardship when I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I provided new information drivers license. My lease and documents are currently never had XXXX and Ive had XXXX. Ive contacted these credit bureaus to provide proof that they were my accounts but nothing now Im having issues with getting these false account accounts removed and I am reaching out for help. 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 2025-03-16 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:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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:
I am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including loansIappliedfor. 

Incurate Names XXXX XXXX XXXX XXXX Inaccurate Address XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX Late Closed XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX Charge Off XXXX XXXX {$160.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX {$100.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$310.00} Date Opened XXXX XX/XX/XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$8300.00} Date Opened XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX  ) XXXX {$600.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX {$3600.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$83.00} Date XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX 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/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief