vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-12 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:
XX/XX/scrub>XXXX To Whom It May Concern, RE : URGENT SAME-DAY DEMAND FOR REMOVAL OF UNAUTHORIZED FRAUD ALERT FROM MY CREDIT FILE This letter serves as my formal demand for the immediate removal of a fraud alert that has been wrongfully placed on my credit report without my authorization or consent. I have never requested, initiated, nor approved the placement of any fraud alert, and I consider this an unlawful action taken against me without just cause. 

This unauthorized fraud alert has interfered with my financial stability, caused me to be wrongfully denied for credit, and has created unnecessary emotional distress and hardship. I am now being forced to spend my time, energy, and resources correcting something that should never have happened. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to maintain accurate and fair reporting practices. Placing a fraud alert on a consumers file without verified and documented request or consent is a violation of that responsibility and a direct breach of my rights. 

I demand the following without delay : 1. Immediate removal of any and all fraud alerts or statements from my credit file.

2. A written confirmation sent to my address and email confirming the removal and the date/time it was completed.

3. A copy of the record showing who requested this fraud alert and when it was added ( which will prove that no such request came from me ). 

Let me be clear : I do not consent to any fraud alerts, freezes, or special statements of any kind being placed on my reports by you or any third party. If this issue is not corrected immediately, I will escalate this to the legal counsel for damages caused by your negligent and unauthorized reporting. 

This is a SAME-DAY request and must be treated with urgency. I expect written confirmation no later than the end of business today. 

Sincerely, XXXX XXXX Email : 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 2025-04-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: MS

Complaint narrative:
I filed bankruptcy they were paid by chapter. XXXX balance was XXXX until couple months ago they added it back.

Company response to consumer: Untimely response
Consumer complaint received 2025-04-12 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:
XX/XX/scrub>XXXX To Whom It May Concern, RE : URGENT SAME-DAY DEMAND FOR REMOVAL OF UNAUTHORIZED FRAUD ALERT FROM MY CREDIT FILE This letter serves as my formal demand for the immediate removal of a fraud alert that has been wrongfully placed on my credit report without my authorization or consent. I have never requested, initiated, nor approved the placement of any fraud alert, and I consider this an unlawful action taken against me without just cause. 

This unauthorized fraud alert has interfered with my financial stability, caused me to be wrongfully denied for credit, and has created unnecessary emotional distress and hardship. I am now being forced to spend my time, energy, and resources correcting something that should never have happened. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to maintain accurate and fair reporting practices. Placing a fraud alert on a consumers file without verified and documented request or consent is a violation of that responsibility and a direct breach of my rights. 

I demand the following without delay : 1. Immediate removal of any and all fraud alerts or statements from my credit file.

2. A written confirmation sent to my address and email confirming the removal and the date/time it was completed.

3. A copy of the record showing who requested this fraud alert and when it was added ( which will prove that no such request came from me ). 

Let me be clear : I do not consent to any fraud alerts, freezes, or special statements of any kind being placed on my reports by you or any third party. If this issue is not corrected immediately, I will escalate this to the legal counsel for damages caused by your negligent and unauthorized reporting. 

This is a SAME-DAY request and must be treated with urgency. I expect written confirmation no later than the end of business today. 

Sincerely, XXXX XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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:
XX/XX/scrub>XXXX To Whom It May Concern, RE : URGENT SAME-DAY DEMAND FOR REMOVAL OF UNAUTHORIZED FRAUD ALERT FROM MY CREDIT FILE This letter serves as my formal demand for the immediate removal of a fraud alert that has been wrongfully placed on my credit report without my authorization or consent. I have never requested, initiated, nor approved the placement of any fraud alert, and I consider this an unlawful action taken against me without just cause. 

This unauthorized fraud alert has interfered with my financial stability, caused me to be wrongfully denied for credit, and has created unnecessary emotional distress and hardship. I am now being forced to spend my time, energy, and resources correcting something that should never have happened. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to maintain accurate and fair reporting practices. Placing a fraud alert on a consumers file without verified and documented request or consent is a violation of that responsibility and a direct breach of my rights. 

I demand the following without delay : 1. Immediate removal of any and all fraud alerts or statements from my credit file.

2. A written confirmation sent to my address and email confirming the removal and the date/time it was completed.

3. A copy of the record showing who requested this fraud alert and when it was added ( which will prove that no such request came from me ). 

Let me be clear : I do not consent to any fraud alerts, freezes, or special statements of any kind being placed on my reports by you or any third party. If this issue is not corrected immediately, I will escalate this to the legal counsel for damages caused by your negligent and unauthorized reporting. 

This is a SAME-DAY request and must be treated with urgency. I expect written confirmation no later than the end of business today. 

Sincerely, XXXX XXXX Email : 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 2025-04-12 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: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2025-04-12 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : 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 non-monetary relief
Consumer complaint received 2025-04-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I paid for my credit report on XXXX XX/XX/year> and after receiving it, I noticed there were some hard inquiries that do not have permissible purpose according to 15 USC 1681b.

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 2025-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
A person by the name of XXXX XXXX opened up a PPP loan without my knowledge and now theyre saying that I owe {$27000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: CA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXXXXXX Balance : {$39000.00} XXXX XXXX XXXX XXXX Balance : {$39000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$39000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXXXXXX Balance : {$39000.00} XXXX XXXX XXXX XXXX Balance : {$39000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$39000.00}

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 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I HAVE TRIED NUMEROUS TIMES TO UPDATE MY CURRENT ADDRESS AND NAME WITH EXPERIAN AND THEY WILL NOT, I WILL SEND MY DRIVERS LICENSE AND MY SOCIAL SECURITY CARD TO STATE MY CORRECT AND CURRENT ADDRESS, THE ADDRESS THEY EXPERIAN HAS UPDATED IS NOT CORRECT THEY HAVE AN APT LISTED, I DONT LIVE IN AN APT

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 2025-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: DC

Complaint narrative:
I was in the midst of trying to get some food for my XXXX XXXX XXXX son on XX/XX/XXXX and chime sent me a email saying they was going to close my account on XX/XX/XXXX without giving me any details or information stating why they are closing my account and as of today i still have money thats on chime and being sent to chime I been trying to reach out to chime and ask for assist in this matter but they continue to tell me its nothing they can do that cant see my account balance and if it money in the account i have to wait 30 days to see if they will send me a check thats very inconvenient for me because i use chime to pay for all my bills and necessities and to lose my account and my money is a very big blow to me and the welfare of my child

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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: CA

Complaint narrative:
This is my other request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX  XXXX Balance : {$4900.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: CA

Complaint narrative:
This is my other request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX  XXXX Balance : {$4900.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX 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 2025-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I had some fraudulent activity on my credit card so I made a fraud claim. I received a letter from Bank of America on XX/XX/XXXX stating 'the total amount for the claim had been credited to my account that i did not have to do anything on my end that I would see the adjustment on my monthly statement. ' I never received no credit and I'm currently still being charged each month for these fraudulent transactions plus interest charges added on to the account. On top of that they have charged multiple different type of fees including ( international transaction fees, late payment fees, cash interest, finance fees, interest fees and more ) on transactions I did not make, and they know this and completed the claim in my favor but however keep charging more and more and haven't yet credited the account. I called in XX/XX/XXXX and told them very clearly that I had not received such credit as it stated in the letter and they simply told me that I had to wait until the next statement cycle so the credits can show up, that such credits had already been posted onto the account. After the next statement updated the credit still didn't show up. I called them multiple times and they just continue to say the same thing, somewhere along the lines of waiting until the next statement date so the credits can reflect on the account. I have some of the calls recorded with supervisors on the line stating this information and i have yet to receive this credit for this fraudulent activity in my account. Its currently XX/XX/XXXX and the credits were supposedly credited on XX/XX/XXXX as the letter i got stated. Its been over XXXX  months and even after multiple calls they yet to credit any money onto my account and actually keep on adding on fees and charging me payments for such fraudulent transactions. The claim was for XXXX transactions totaling {$1600.00}. In total they charged over {$460.00} in different type of fees on top of the original transactions and continue to add more fees each month. This is beyond ridiculous and I'm lookin to escalate with my lawyer in the upcoming weeks.

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 monetary relief
Consumer complaint received 2025-04-12 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Violation of Consumer Rights under the Gramm-Leach-Bliley Act Unauthorized Disclosure of Non-Public Personal Information I am writing to formally dispute and express serious concern regarding the unauthorized sharing of my non-public personal information ( NPI ) with third parties, including credit reporting agencies such as XXXX, Experian, and XXXX. As a consumer, I was not provided with a clear and conspicuous opt-out notice, nor was I given a reasonable opportunity to exercise my right to prevent the disclosure of my personal information to non-affiliated third parties, as required by the Gramm-Leach-Bliley Act ( GLBA ), Title V, Subtitle A. My Personal Information, financial information, IRS docs, also Financial Assistance such as grants and loans were accessed without my consent which is a violation to the FCRA, the principles or privacy and purpose limitations can also apply to situations involving unauthorized access to financial aid data. 

Under the GLBA, financial institutions are required to : Provide initial and annual privacy notices that clearly explain their information-sharing practices. 
Offer consumers a reasonable means to opt out of the sharing of NPI with non-affiliated third parties. 

I did not receive such notice or the opportunity to opt out, and as such, any sharing of my personal information without my explicit consent constitutes a violation of federal privacy laws. 

Accordingly, I request the following : 1. A detailed explanation of what personal information was shared, with whom, and for what purpose. 
2. A copy of any opt-out notice you claim was provided to me. 
3. Immediate cessation of any further disclosure of my NPI to non-affiliated third parties. 
4. Written confirmation that my opt-out rights are now being fully honored and that no future disclosures will occur without proper notice and consent. 
5. Cancellation of XXXX Loan Debt due to this data breech which invaded my PII and Financial information without my consent. 

If this matter is not resolved promptly, I will be forced to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant regulatory authorities. 

Please consider this letter a formal dispute and request for compliance under the GLBA. I expect a written response within 30 days of receipt of this letter, as required under applicable laws. 

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