vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint under FCRA 605B ( 15 USC 1681c-2 ) to request that Experian block fraudulent information appearing on my credit report. These accounts resulted from identity theft, the XXXX data breach, and fraud and must be removed within XXXX ( XXXX ) business days of receiving this request. 
The fraudulent accounts and inquiries include : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. Request for Account Blocking and Deletion Due to Data Breach XXXX XXXX Account Number : XXXX Please Delete this account. The account statuses do not match on each bureau. The bureaus are violating the FCRA/FDCPA by providing inaccurate information. 
I DO NOT recognize these accounts, collections, or inquiries. They were not opened, authorized, or initiated by me and are causing inaccurate reporting on my consumer FICO credit report. 
I expect Experian to comply with the Fair Credit Reporting Act ( FCRA ) and immediately block these fraudulent items from my 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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX 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 explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
I applied for a loan for {$70000.00} for XXXX  years with roughly XXXX % APR. It said that it would be XXXX days. A week after I applied I did not hear anything so I called and the customer service representative advised they need verification of employment form to be filled out by my employer. In that call the customer service representative asked me if I agreed that the offer will be extended for XXXX more days. A day later my employer sent in the verification of employment. I called the customer service representative line to see if it was received. They advised it was received and it would take a few days. On XXXX  my loan was approved for {$70000.00} but for XXXX  years with higher APR of XXXX  % almost XXXX  %. I called the customer service line to see why it changed since we spoke days before and they advised that the offer would stay the same for XXXX more days. They then proceeded to tell me that there was a note where I accepted the new terms the day before. I advised I never agreed to new terms. Then they advised they spoke to my employer and noted they agreed and I advised my personal information should not be given out to nobody. She advised that there was probably a confusion with the reviewer and requested they reach out. No one reached out. I had to keep calling customer service and no one directed me to anyone that could give me a resolution I told maybe XXXX representative the same story and they told me nothing they could do and that they could not honor something that they had already advised was going to stay the same. They proceeded to say that the terms expired the day after I spoke to them initially. I explained no one called me for a week to tell me what I needed to get approved that I called them and when I did the guy advised me the terms would stay the same for XXXX  days to allow time for the newly requested information to be submitted. To date no one has called me with a resolution. Then I received XXXX call from their resolution specialist but my phone rang XXXX time and when I went to answer she hung up. She proceeded to send an email to advise she reached out which dialing and hanging up does not count as reaching out. To date the reviewer has not been online and no one has been able to locate him and it has been over a week and they cant seem to get someone else to explain to me why they cant honor the original terms.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-21 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: GA

Complaint narrative:
I just looked at my credit report to XXXX on XX/XX/XXXX. I saw a hard inquiry that did not have a permissible purpose. I sent a letter to XXXX on XX/XX/XXXX ask them to investigate this but they still haven't fixed the matter. Can you investigate this matter? I also attached a document. 

XXXX. XXXX XXXX XXXX XXXX, XXXX, This inquiry has no permissible purpose of being on my report. Delete this inquiry due to violation of 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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: 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: NC

Complaint narrative:
I am writing to formally dispute the validity of my XXXX DEPTEDXXXX student loan ( s ) due to a violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ), 20 U.S.C. 1232g. FERPA strictly prohibits the disclosure of student educational records without written consent, yet I have reason to believe that my personal and financial records were unlawfully accessed by unauthorized third parties, including XXXX XXXX XXXX DOGE related entities. Upon investigation, I have found that : 1. Unauthorized Third-Party Access : My personal and financial student records appear to have been improperly accessed, shared, or utilized by individuals and/or organizations with whom I did not consent to share my information. This includes entities affiliated with XXXX XXXX 2. Breach of Privacy Rights : I was never informed of, nor did I consent to, the release of my educational data to these third parties. This is a direct violation of FERPA regulations. 3. Compromised Loan Agreement : If my student loan was issued or influenced by parties who illegally obtained my educational data, then its legitimacy and enforceability are in serious question. Requested Actions : In light of this FERPA violation and unauthorized third-party access, I demand the following immediate actions : A complete audit and review of my student loan records, including how my data was obtained and whether it was improperly shared. A written response within 30 days acknowledging my dispute and detailing the steps you will take to remedy this violation. I demand the immediate cancellation and discharge of my student loan ( s ) as they were obtained under legally questionable circumstances. If this matter is not resolved promptly, I am prepared to escalate my complaint to the U.S. Department of Educations Family Policy Compliance Office ( FPCO ), file a formal legal complaint, and pursue further action against the involved parties. I expect a prompt and fair resolution to this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am formally disputing the following inaccurate and unverified accounts that have been reported across TransUnion, Experian, and Equifax. These accounts are erroneous, falsely reported, and have not been properly validated per the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my credit reports, I have identified discrepancies and accounts that I never authorized or agreed to, particularly those from collection agencies that have failed to provide proper validation for the alleged debts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I request the immediate removal of unauthorized accounts from my credit report. These accounts were not opened or authorized by me, and I am unaware of their source. Under USC 1681g, I formally ask that they be deleted within XXXX days. Please find enclosed documents for reference. Moreover, the reported account details vary across different credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
ACCOUNT SUMMARY REPORT XX/XX/XXXX XXXX AM This account summary has been prepared by Resurgent Capital Services on behalf of LVNV Funding LLC. 
It is not a credit card or other account statement from the original creditor. 
Borrower Information Current Account Information Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX City : XXXX  State : XXXX  Zip Code : XXXX Owner : LVNV Funding LLC Resurgent Reference # : XXXX Original Creditor : XXXX XXXX Account Number : XXXX Current Balance Due : {$460.00} Date of Last Payment : XX/XX/XXXX Historical Account Information The original creditor for this account was : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX The origination date with original creditor was : XX/XX/XXXX The account charge-off date was : XX/XX/XXXX The account charge-off amount was : {$460.00} The account was acquired on or about : XX/XX/XXXX The account balance at time of acquisition : {$460.00} This communication is from a debt collector and this is an attempt to collect a debt. Any information obtained will be used for that purpose. 
Page 1 of They sent me this and if is a valid debt the original creditor never sent me a 1099 they have continue to violate my privacy and used multiple companies to contact me on the alleged debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I came to a settlement agreement with XXXX XXXX. When talking to them they stated it would be removed from my credit. That hasnt happened. Also they are not reporting correctly. Law 1681 ( e ) ( b ) says maximum possible accuracy. Which is not being done because it was only charged off XXXX  time not ever month. So I would like to ask this be removed because of the inaccuracy. Also they reported XXXX more years after settling the debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc.
State: NY

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc.
State: NJ

Complaint narrative:
I, XXXX XXXX XXXX, hereby declare under penalty of perjury that I am a victim of identity theft. My personal information has been used fraudulently, resulting in unauthorized accounts, inquiries, and negative items appearing on my credit report. 

please see all the attached documents..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have never had an account with XXXX XXXX XXXX. In researching I found XXXX is a debt buying collection agency. XXXX has never provided me any information that this account is Valid. I have never provided with Forward Flow Agreement, Chain of Assignment, Purchase Agreement, Insurance Claim of Debt, my signature agreeing to pay or any other proof that I'm legally responsible for this account. On XX/XX/year>, I filed dispute with all Experian and Transunion and requested investigation of the account in question and asked for proof of method used to validate. Experian and Transunion have failed to verify the information properly as they have responded with generic " VERIFIED '' statement on my credit report without explaining their investigation process or correcting the errors. XXXX has violated my rights under 15 USC XXXX and Experian and Transunion has violated my rights under 15 USC XXXXi . I am asking from XXXX, EXPERIAN, and TRANSUNION the following actions through this CFPB complaint. XXXX. Conduct a proper and thorough investigation into this disputed account. XXXX. Provide me with a detailed explanation of the steps used to verify or correct the information. XXXX. Remove any inaccurate or unverifiable information from my credit report immediately.

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 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you, the Bureau 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. This fraudulent, inaccurate, and false information consists of : Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX XXXX  XXXX XXXX XX/XX/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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
A XXXX XXXX XXXX XXXX account was opened fraudulently resulting in a balance of {$11000.00}. Also XXXX inquiries. XXXX  initiated on XX/XX/XXXX. XXXX initiated on XX/XX/XXXXXXXX XXXX initiated XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
A XXXX XXXX XXXX XXXX account was opened fraudulently resulting in a balance of {$11000.00}. Also XXXX inquiries. XXXX  initiated on XX/XX/XXXX. XXXX initiated on XX/XX/XXXXXXXX XXXX initiated XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

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

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

Items that need attention : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1200.00} Collection Inquiries Included in Dispute : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation