vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Netspend Corporation
State: TN

Complaint narrative:
On XX/XX/XXXX I had got an alert that my direct deposit went thru then an alert that said fraud alert at ATM in XXXX XXXX XXXXXXXX from XXXX XXXX  atm.. I tried to get on my online portal bank and someone had changed my passwords so I couldn't get in. I sent a text back that said this is not me someone else is using my card. I called the number and I couldn't talk to anyone. The next morning I called when they opened and they said my balance was negative XXXX.i had just gotten a deposit of XXXX. 
This person had gotten in my online bank portal changed my passwords, phone, and email. I started an investigation while I had XXXX MONEY TO FEED MY KIDS, GET GAS, ANYTHING.... The person had gotten a virtual card from my account and was using there cell to get money out of the atm .. a week later I got an email from investigation and it said no fraud found... I COULD NOT BELIEVE IT ... XXXX gone... I got a new card moved on and the next week the people tried to do it again they even called my bank and tried to change my info. I had to send my ID in it took me 2 hrs to confirm who I was but someone else a STRANGER CAN JUST COME GET MY MONEY.... I'm so upset and I want my money back... please help me.... 
Thanks, 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 2025-06-16 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: MI

Complaint narrative:
I filed disputes with all three credit bureaus regarding the private student loans being reported by XXXX XXXX. These loans were originally serviced by XXXX XXXX and then transferred, but I have never received proper verification of the new ownership. Despite this, all three bureaus marked the accounts as verified. 

However, XXXX has never provided me with documentation that proves they own or have the legal right to collect and report on these debts. I specifically asked for the chain of title, a copy of my signed promissory note, and evidence of the loan transfer or sale. I still have not received these documents. The only information they have shared is a basic account summary, which does not prove the legal validity of the debt. 

Under the Fair Credit Reporting Act, I have a right to dispute inaccurate or unverified information on my credit report. Under the Fair Debt Collection Practices Act, if XXXX is acting as a debt collector, they are also required to provide full validation of the debt if requested. I believe my rights have been violated because XXXX continues to report these loans to the credit bureaus without providing proper validation. 

This is causing me financial harm and ongoing stress. I am requesting that the CFPB investigate this matter and ensure that XXXX either provides full validation of the debt or removes the accounts from my credit reports.

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 2025-06-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I filed disputes with all three credit bureaus regarding the private student loans being reported by XXXX XXXX. These loans were originally serviced by XXXX XXXX and then transferred, but I have never received proper verification of the new ownership. Despite this, all three bureaus marked the accounts as verified. 

However, XXXX has never provided me with documentation that proves they own or have the legal right to collect and report on these debts. I specifically asked for the chain of title, a copy of my signed promissory note, and evidence of the loan transfer or sale. I still have not received these documents. The only information they have shared is a basic account summary, which does not prove the legal validity of the debt. 

Under the Fair Credit Reporting Act, I have a right to dispute inaccurate or unverified information on my credit report. Under the Fair Debt Collection Practices Act, if XXXX is acting as a debt collector, they are also required to provide full validation of the debt if requested. I believe my rights have been violated because XXXX continues to report these loans to the credit bureaus without providing proper validation. 

This is causing me financial harm and ongoing stress. I am requesting that the CFPB investigate this matter and ensure that XXXX either provides full validation of the debt or removes the accounts from my credit reports.

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 2025-06-16 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: MI

Complaint narrative:
I filed disputes with all three credit bureaus regarding the private student loans being reported by XXXX XXXX. These loans were originally serviced by XXXX XXXX and then transferred, but I have never received proper verification of the new ownership. Despite this, all three bureaus marked the accounts as verified. 

However, XXXX has never provided me with documentation that proves they own or have the legal right to collect and report on these debts. I specifically asked for the chain of title, a copy of my signed promissory note, and evidence of the loan transfer or sale. I still have not received these documents. The only information they have shared is a basic account summary, which does not prove the legal validity of the debt. 

Under the Fair Credit Reporting Act, I have a right to dispute inaccurate or unverified information on my credit report. Under the Fair Debt Collection Practices Act, if XXXX is acting as a debt collector, they are also required to provide full validation of the debt if requested. I believe my rights have been violated because XXXX continues to report these loans to the credit bureaus without providing proper validation. 

This is causing me financial harm and ongoing stress. I am requesting that the CFPB investigate this matter and ensure that XXXX either provides full validation of the debt or removes the accounts from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX. XXXX XXXX XXXX, PA XXXX RE : XXXX Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

ACCOUNTS : XXXXXXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$6800.00} INQUIRIES : 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 non-monetary relief
Consumer complaint received 2025-06-16 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number 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 2025-06-16 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: GA

Complaint narrative:
Fraudulent Accounts Immediate Action Required ( SS # : XXXX ) To Whom It May Concern : I am writing to demand the immediate deletion of fraudulent accounts that have been unlawfully reported on my consumer file, resulting from identity theft. Your failure to comply with federal law in verifying these accounts is both unacceptable and a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
Legal Framework Violated : 18 U.S.C. 1028A Aggravated Identity Theft I am a victim of identity theft. Under this law, any fraudulent use of my identity is a federal crime punishable by an additional term of two years ' imprisonment for the offenders. Your negligence in verifying this information perpetuates the criminal activity and further damages my financial standing. 
15 USC 1681c2 Block of Fraudulent Information Pursuant to this law, you are required to block all fraudulent information related to identity theft within four business days of receiving a valid identity theft report. Enclosed are all necessary documents to fulfill this requirement, including a copy of my FTC Identity Theft Report, proof of identity, and identification of fraudulent accounts. Failure to comply will result in formal complaints with federal and state agencies.

Fraudulent Accounts : 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 These accounts were not authorized by me and must be removed from my report immediately. 
Failure to Act : If these fraudulent accounts are not deleted, and an updated consumer report is not sent to me promptly as mandated under 15 USC 1681c-1 ( 2 ), I will escalate this matter to the following entities : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) XXXX XXXX XXXX ( XXXX  ) State Attorney General Offices, both in your jurisdiction and mine Non-compliance will lead to formal legal action, including seeking damages for the harm caused by your continued violation of my rights.

Enclosures : Copy of my government-issued ID Proof of address ( utility bill ) Copy of my Social Security card FTC Identity Theft Report I expect swift action on your part and look forward to receiving confirmation that all fraudulent information has been removed and an updated report has been sent. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: CA

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution 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 non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally disputing several unauthorized inquiries listed on my credit report. These inquiries are a direct result of identity compromise due to the XXXX  Data Breach, which exposed my personal information without consent. As such, these inquiries were not initiated or authorized by me, nor do they meet the legal requirements under the Fair Credit Reporting Act ( FCRA ). 

Legal Grounds : Under 15 U.S.C. 1681b, consumer reporting agencies are only permitted to furnish credit reports with the consumers written consent or when a firm offer of credit or insurance is extended. Additionally, under 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ), furnishing reports in connection with transactions not initiated by the consumer is illegal. These inquiries violate both. 

Each of the following inquiries fails to satisfy the lawful permissible purpose criteria, and no signed authorization has been presented to support these entries : List of Unauthorized Inquiries XXXX XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX  : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/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/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX These inquiries are reporting in error, as I never initiated or consented to these transactions. If you are unable to produce verifiable, signed authorization, you must DELETE these inquiries from my credit file immediately. Failure to comply will result in formal complaints filed with the CFPB, FTC, and legal counsel for damages resulting from willful noncompliance.

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 2025-06-16 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXXXXXX XXXX 
XXXX ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 Address : XXXXXXXX XXXX XXXX  XXXX XXXX MD XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5400.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$7700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally disputing several unauthorized inquiries listed on my credit report. These inquiries are a direct result of identity compromise due to the XXXX  Data Breach, which exposed my personal information without consent. As such, these inquiries were not initiated or authorized by me, nor do they meet the legal requirements under the Fair Credit Reporting Act ( FCRA ). 

Legal Grounds : Under 15 U.S.C. 1681b, consumer reporting agencies are only permitted to furnish credit reports with the consumers written consent or when a firm offer of credit or insurance is extended. Additionally, under 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ), furnishing reports in connection with transactions not initiated by the consumer is illegal. These inquiries violate both. 

Each of the following inquiries fails to satisfy the lawful permissible purpose criteria, and no signed authorization has been presented to support these entries : List of Unauthorized Inquiries XXXX XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX  : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/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/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX These inquiries are reporting in error, as I never initiated or consented to these transactions. If you are unable to produce verifiable, signed authorization, you must DELETE these inquiries from my credit file immediately. Failure to comply will result in formal complaints filed with the CFPB, FTC, and legal counsel for damages resulting from willful noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: NJ

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX 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 XXXX XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-06-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
I'm a XXXX  and I based my work on a site XXXX, where XXXX  XXXX  will be hired to do XXXX XXXX XXXX without the benefit of a traditional job offer such as XXXX etc to their employees. This is why my client love XXXX as it provide a better solution to their daily need. XXXX  offer the lowest fee for a business such as myself a XXXX. I have run this account for a little over XXXX XXXX  now without any issue such as dispute from any of my client, as I stride to offer the best client satisfaction, by doing this I take all the risk. Within this past XXXX months, XXXX  have requested information from me about the nature of my business, I have send all the information requested to XXXX  as always, yet now as of XX/XX/XXXX my account is suspended again without any issue ( not XXXX  dispute or issue from any client ) and XXXX  is refusing to help. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This letter serves as my second formal dispute regarding fraudulent accounts that remain on my credit report despite my initial request for investigation and removal. I have already submitted an FTC Identity Theft Report, and enclosed again is a copy for your reference, along with my government-issued ID and proof of address. 
The following accounts are the result of identity theft and do not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were fraudulently opened or used without my authorization and continue to negatively impact my credit report and financial standing. Under the Fair Credit Reporting Act ( FCRA ) 605B,

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 2025-06-16 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: CA

Complaint narrative:
This letter serves as my second formal dispute regarding fraudulent accounts that remain on my credit report despite my initial request for investigation and removal. I have already submitted an FTC Identity Theft Report, and enclosed again is a copy for your reference, along with my government-issued ID and proof of address. 
The following accounts are the result of identity theft and do not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were fraudulently opened or used without my authorization and continue to negatively impact my credit report and financial standing. Under the Fair Credit Reporting Act ( FCRA ) 605B,

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 2025-06-16 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: MI

Complaint narrative:
On or around XX/XX/XXXX I submitted an ftc report thru the CFPB..... with no response... according to fcra section 605b credit reporting agencies have four days to block fraudulent information the consumer identifies as fraudulent.

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