vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 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: AZ

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXXXXXX  under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$2100.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-03-25 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:
Good morning. After reviewing my credit report, there are discrepancies showing that I owe collections on an account across all three credit bureaus, which is just not correct. Upon attempting to go to the website given, my account details are nowhere to be found. The phone number given also does not work. That makes this collection inaccurate and must be fixed! This information must be reported with the utmost accuracy. The Collection agency is [ XXXXXXXX XXXX XXXX ] [ XXXX ]. Having an open collection for an individual while not having ways to settle the account is illegal. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements. I demand that this collection be removed from my credit report without delay.

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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Mississippi XXXX Date of Birth : XX/XX/year> SS # : XXXX Subject : URGENT - FINAL REQUEST FOR DELETION OF INACCURATE INFORMATION Dear Equifax, This is now my fourth formal dispute request, and I am deeply disappointed by the lack of corrective action. The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 mandates a fair and accurate credit file, and your failure to remove false, unverifiable, and damaging information is causing me substantial harm. 
Erroneous Account Information ( Violating My Consumer Rights ) XXXX XXXX XXXX ( Account # XXXX ) An incorrect late payment is unfairly damaging my credit profile. If you can not provide proof, this must be removed under FCRA 611 ( a ). 
XXXXXXXX XXXX XXXX ( Account # XXXX ) This charge-off is inaccurate and must be deleted if proper verification can not be provided. 
XXXX XXXX  ( Account # XXXX ) The late payment listed is incorrect, and I demand its immediate removal under FCRA 609 ( a ). 
Incorrect Personal Information ( Creating Financial Barriers ) The following addresses must be permanently removed under FCRA 605 ( a ) as they are incorrect : XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Your negligence in updating my personal information is causing me distress, financial setbacks, and rejections for essential credit and loan approvals. 
Per FCRA 611 ( a ), you have 30 days to resolve this matter. If these errors persist, I will file formal complaints with the CFPB, FTC, and explore legal action against Equifax for failing to uphold consumer protection laws.

A written confirmation of these deletions is required immediately. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Mississippi XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Subject : URGENT - FINAL REQUEST FOR DELETION OF INACCURATE INFORMATION Dear Experian, This is my fourth formal request to dispute the inaccurate, misleading, and harmful information on my credit report. As a consumer, I have the right to an accurate and fair credit file under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681. These errors have severely impacted my financial well-being, affecting my ability to secure housing, loans, and other essential financial opportunities. Your continued failure to correct these inaccuracies is a clear violation of my rights. 
Erroneous Account Information ( Severely Damaging My Creditworthiness ) XXXX XXXX XXXX ( Account # XXXX ) This account is inaccurately reporting a late payment that is negatively affecting my credit score. If you can not provide proof of accuracy, it must be removed immediately under FCRA 611 ( a ). 
XXXXXXXX XXXX XXXX  ( Account # XXXX ) This account is marked as a charge-off, but I dispute its accuracy. If this debt can not be fully substantiated with proper documentation, it must be deleted without delay. 
XXXX XXXX  ( Account # XXXX ) An incorrect late payment is being reported. This is an unfair and inaccurate representation of my credit history. I demand immediate removal. 
XXXX XXXX XXXX ( Account # XXXX ) A late payment from XX/XX/XXXX is incorrectly listed. This must be validated or deleted immediately as per FCRA 609 ( a ) ( 1 ).

Incorrect Personal Information ( Leading to Potential Mixed File Issues ) The following addresses do not belong to me and must be removed under FCRA 605 ( a ) : XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX These inaccuracies are causing significant confusion and delays in financial approvals. My correct and only address is : XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX. 
Under FCRA 611 ( a ), you are required to investigate and resolve this dispute within 30 days. If these inaccuracies are not corrected, I will have no choice but to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and I will seek legal action for willful non-compliance.

I expect written confirmation of these deletions immediately. 
Sincerely, 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 2025-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX instructed his team of Department of Government Efficiency ( DOGE ) to gain unauthorized access to access multiple internal systems within the department of education without consent, violating FERPA that was signed when I obtained my loans that should have protected the confidentiality of my privacy of educational records, the access to these records and control over information sharing of my financial aid records. This also goes against the Higher Education Act ( HEA ), the Privacy act of 1974, and is a breach of contract by sharing student loan borrower personal and financial information with third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XX/XX/XXXX Subject : Urgent Dispute of Unauthorized Inquiries on My Credit Report To Whom It May Concern, I am writing to formally dispute unauthorized inquiries that have appeared on my credit report. I recently reviewed my credit file and found inquiries that I did not authorize. These inquiries are damaging my credit score and were made without my consent. 

The unauthorized inquiries are as follows : XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX Under the Fair Credit Reporting Act ( FCRA ), companies are required to have my explicit permission before making inquiries on my credit report. Since I did not authorize these inquiries, I demand their immediate removal. 

Attached to this letter, you will find a copy of my FTC complaint regarding these unauthorized inquiries, as well as a copy of my identification and a copy of my credit report with the disputed inquiries highlighted. 

I expect these inquiries to be removed promptly, and I request written confirmation once the corrections have been made. If these unauthorized inquiries are not removed, I am prepared to take further legal action to protect my rights under the FCRA. 

Please investigate this matter and provide a resolution at the earliest. I appreciate your prompt attention to this urgent issue. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XX/XX/XXXX Subject : Urgent Dispute of Unauthorized Inquiries on My Credit Report To Whom It May Concern, I am writing to formally dispute unauthorized inquiries that have appeared on my credit report. I recently reviewed my credit file and found inquiries that I did not authorize. These inquiries are damaging my credit score and were made without my consent. 

The unauthorized inquiries are as follows : XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX Under the Fair Credit Reporting Act ( FCRA ), companies are required to have my explicit permission before making inquiries on my credit report. Since I did not authorize these inquiries, I demand their immediate removal. 

Attached to this letter, you will find a copy of my FTC complaint regarding these unauthorized inquiries, as well as a copy of my identification and a copy of my credit report with the disputed inquiries highlighted. 

I expect these inquiries to be removed promptly, and I request written confirmation once the corrections have been made. If these unauthorized inquiries are not removed, I am prepared to take further legal action to protect my rights under the FCRA. 

Please investigate this matter and provide a resolution at the earliest. I appreciate your prompt attention to this urgent issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
While I was at the atm on XX/XX/year>XXXX  I was trying to withdraw my money when the atm started making clicking noises and {$0.00} came out of the machine like no money and I been trying to get my money because I have kids and bills to pay

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: SC

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2025-03-25 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: SC

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 non-monetary relief
Consumer complaint received 2025-03-25 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: FL

Complaint narrative:
I am writing to request unauthorized credit inquiries on my XXXX Credit Report. My latest credit report shows 5 credit inquiries that I did not authorize.

I am writing to dispute the following inquiries and asking for their removal from my credit report. 
INQUIRY ACCOUNT NAME : XXXX XXXX XXXX DATE : XX/XX/year> INQUIRY ACCOUNT NAME : XXXX XXXX XXXX XXXX DATE : XX/XX/year> INQUIRY ACCOUNT NAME : XXXX XXXX XXXX DATE : XX/XX/year> INQUIRY ACCOUNT NAME : XXXX XXXX DATE : XX/XX/year> INQUIRY ACCOUNT NAME : XXXX XXXX XXXX XXXX DATE : XX/XX/year> I am writing to request unauthorized credit inquiries on my EQUIFAX Credit Report. My latest credit report shows 4 credit inquiries that I did not authorize. 
I am writing to dispute the following inquiries and asking for their removal from my credit report. 
INQUIRY ACCOUNT NAME : XXXX  DATE : XX/XX/year> INQUIRY ACCOUNT NAME : XXXX XXXX  DATE : XX/XX/year> INQUIRY ACCOUNT NAME : XXXX XXXX DATE : XX/XX/year>XXXX  INQUIRY ACCOUNT NAME : XXXX XXXX DATE : XX/XX/year>XXXX  Please have these inquiries removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
Citibank has charged me twice for a returned payment that should not have been returned. Nothing changed on the external account I was using to make the payment, and there were sufficient funds available. 

I called customer service after the first charge, and they told me to wait and call back. I did, and the issue still wasnt resolved. Then I was charged again for the same problem. 

Theres no valid reason these charges should have occurred, and Ive gotten no clear explanationjust delays and vague answers. I want both charges reversed and confirmation that the issue is resolved so it doesnt happen again.

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 2025-03-25 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:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

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