vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-11 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-04-11 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: NE

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported 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 account and 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 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 2025-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
On dates dated back to XX/XX/XXXX through XXXX XXXX Ive had in authorized transactions. Transactions ranging from XXXX {$4.00} also had a scam transaction of goods I was purchasing from a private vendor. XXXX XXXX I was scammed out of {$350.00}, contacted CashApp support and was prompted to a robot asking for the other parties name, email address or phone number. I eventually gave up trying after the response I received, which basically said I need to be more aware of who I send money too.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: FL

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 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 2025-04-11 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: SYNCHRONY FINANCIAL
State: NE

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint regarding an unauthorized account reported by SYNCB/TJX CO on my credit file. I have never applied for or opened an account with this company and have no knowledge of any business or financial relationship with them.

This account appeared on my credit report without my consent or authorization. I believe it may be a case of identity theft or an administrative error. I did not provide permission for any account to be opened in my name with SYNCB or TJX Companies, and I have never received any communication or billing related to such an account.

I am requesting a full investigation and removal of this account from my credit report if it is found to be fraudulent or reported in error. This inaccurate reporting is negatively impacting my credit and financial wellbeing.

Upon looking on my score, the inquiry was reflected on XX/XX/XXXX with a removal date of XX/XX/XXXX. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX Above are their contact information and address.

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 2025-04-11 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: CO

Complaint narrative:
I am formally requesting that you block and remove these unauthorized accounts from my credit report immediately. I have no association with these accounts, nor did I authorize their creation. According to USC 1681g, they must be removed within 15 days. Ive attached the necessary documents for your review. Please note that each bureau is reporting different, inaccurate information related to these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Today XXXX I check my credit score on experian and noticed my credit went down XXXX points. And on experian website I saw it was due to XXXX reporting my account delinquent over 180 days. I had called them today XXXX XXXX XXXX XXXX XXXX to get in contact with them. Die to the fact I never received any communication that my loan would be coming out of forbearance. Which did not give me adequate time to pay a monthly payment. They did not send any mailing, or they did not email, or call me. I was on hold for 45 minutes before I reached an operator and when I told them what happened they said they have to transfer me to the credit team. I was on hold for an additional 55 minutes until a person picked up and then they hung up. I had called a second time and reached an operator in about another 40 minutes and got transferred again and waited about 40 minutes for someone on the credit team. They had my correct information but failed to send me notification of my student loan going into forbearance. In accordance with the fair credit reporting act this creditor had violated my rights. Under 15 us c 1681 section 602. States I have the right to privacy. 15 us c 1681 section 604 a. It also states consumer reporting agency can not furnish an account with out my written instructions. Under 15 us c 1666 b. A creditor may not treat a payment on a credit card account under a open and consumer credit plan as late for any purpose. As well Section 611 Under 15 U.S. Code 1681i, XXXX is legally required to : Investigate your dispute. 
Fix or delete inaccurate or unverifiable information within 30 days.

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 2025-04-11 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:
Today XXXX I check my credit score on experian and noticed my credit went down XXXX points. And on experian website I saw it was due to XXXX reporting my account delinquent over 180 days. I had called them today XXXX XXXX XXXX XXXX XXXX to get in contact with them. Die to the fact I never received any communication that my loan would be coming out of forbearance. Which did not give me adequate time to pay a monthly payment. They did not send any mailing, or they did not email, or call me. I was on hold for 45 minutes before I reached an operator and when I told them what happened they said they have to transfer me to the credit team. I was on hold for an additional 55 minutes until a person picked up and then they hung up. I had called a second time and reached an operator in about another 40 minutes and got transferred again and waited about 40 minutes for someone on the credit team. They had my correct information but failed to send me notification of my student loan going into forbearance. In accordance with the fair credit reporting act this creditor had violated my rights. Under 15 us c 1681 section 602. States I have the right to privacy. 15 us c 1681 section 604 a. It also states consumer reporting agency can not furnish an account with out my written instructions. Under 15 us c 1666 b. A creditor may not treat a payment on a credit card account under a open and consumer credit plan as late for any purpose. As well Section 611 Under 15 U.S. Code 1681i, XXXX is legally required to : Investigate your dispute. 
Fix or delete inaccurate or unverifiable information within 30 days.

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 2025-04-11 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Today XXXX I check my credit score on experian and noticed my credit went down XXXX points. And on experian website I saw it was due to XXXX reporting my account delinquent over 180 days. I had called them today XXXX XXXX XXXX XXXX XXXX to get in contact with them. Die to the fact I never received any communication that my loan would be coming out of forbearance. Which did not give me adequate time to pay a monthly payment. They did not send any mailing, or they did not email, or call me. I was on hold for 45 minutes before I reached an operator and when I told them what happened they said they have to transfer me to the credit team. I was on hold for an additional 55 minutes until a person picked up and then they hung up. I had called a second time and reached an operator in about another 40 minutes and got transferred again and waited about 40 minutes for someone on the credit team. They had my correct information but failed to send me notification of my student loan going into forbearance. In accordance with the fair credit reporting act this creditor had violated my rights. Under 15 us c 1681 section 602. States I have the right to privacy. 15 us c 1681 section 604 a. It also states consumer reporting agency can not furnish an account with out my written instructions. Under 15 us c 1666 b. A creditor may not treat a payment on a credit card account under a open and consumer credit plan as late for any purpose. As well Section 611 Under 15 U.S. Code 1681i, XXXX is legally required to : Investigate your dispute. 
Fix or delete inaccurate or unverifiable information within 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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 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 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 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2025-04-11 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: TX

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$510.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$67.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$210.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$290.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1500.00} XXXX - XXXX - XX/XX/XXXX - {$580.00} INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC.
State: MS

Complaint narrative:
My privacy was invaded! XXXX don't even make have of that in a years time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-04-11 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:
I am writing to formally dispute the inclusion of the following inaccurate and unauthorized accounts on my credit report I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ). You are legally obligated to conduct a reasonable and timely investigation into this matter. If you can not verify the accuracy of this account within 30 days, it must be deleted immediately from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: LA

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 explanation
Consumer complaint received 2025-04-11 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: NY

Complaint narrative:
I am submitting this formal complaint against [ Experian/Equifax/TransUnion ] for repeated violations of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), the Gramm-Leach-Bliley Act ( GLBA ) ( 15 U.S.C. 6801-6827 ), and Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) ( 12 U.S.C. 5531, 5536 ) regarding inaccurate, unverifiable, and harmful information on my credit report. 
Nature of Complaint : Violation of My Consumer Rights I have disputed the following account ( s ) with [ Experian/Equifax/TransUnion ] , and they have failed to conduct a reasonable reinvestigation or provide adequate verification as required under 15 U.S.C. 1681i : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Nature of Dispute : The account contains materially false information, including, false payment history, misreported account status, incorrect Date of First Delinquency, duplicate/re-aged account ]. Despite my request, the credit bureau has not properly verified or deleted the inaccurate account in compliance with the law. 
Violations Committed by [ Experian/Equifax/TransUnion ] 1 . 
Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ) o My dispute was processed through an automated system ( e-OSCAR ) rather than a meaningful investigation involving creditor records. This does not satisfy the FCRAs investigation requirements. 
2. Failure to Delete Unverified or Inaccurate Information ( 15 U.S.C. 1681i ( 5 ) ) o The FCRA mandates the removal of any information that can not be verified. Since [
Experian/Equifax/TransUnion ] has not provided proper verification, the account must be deleted.

3.

Reporting Inaccurate Information with Reckless Disregard ( 15 U.S.C. 1681e ( b ) ) o Under the maximum possible accuracy standard, the credit bureau must ensure all reported information is correct. The continued reporting of this inaccurate account is a violation of my consumer rights.

4.

Failure to Properly Notify Data Furnisher ( 15 U.S.C. 1681s-2 ) The credit bureau has failed to ensure the furnisher of information ( the creditor ) properly investigates and corrects the error, violating the FCRA. 
15 U.S.C. 6801 ( b ) : Financial institutions must protect the accuracy and confidentiality of my personal data. Allowing inaccurate credit information to remain on my file is a violation of this duty. 
The CFPB prohibits financial institutions from engaging in deceptive practices. By misrepresenting my creditworthiness and failing to correct known errors, [ Experian/Equifax/TransUnion ] has committed a UDAAP violation under 12 U.S.C. 5531, 5536. 


1. Violation of the Gramm-Leach-Bliley Act ( GLBA ) 2. Engagement in Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: IL

Complaint narrative:
There are fraudulent items on my credit report that I did not authorize, initiate, or benefit from in any way. These accounts and transactions are the result of identity theft and represent a serious violation of my privacy and financial security. I took immediate action by filing a formal report with the Federal Trade Commission, yet despite this, the fraudulent entries remain on my credit report. 

This failure to remove clearly unauthorized information is unacceptable and continues to cause ongoing harm to my financial standing and peace of mind. I am demanding immediate removal of all items tied to this fraud. Delaying resolution any further is not only unjust but a breach of my rights under federal law. This matter requires urgent and decisive action.

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 2025-04-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: LendingPoint Holdings LLC
State: CA

Complaint narrative:
So this is a second issue that arose from my first complaint. They charged an unauthorized card for automatic payments and then took weeks for a response ( they responded after I filled put my first complaint. ) My original request in the first complaint was to have the stolen funds be returned to the original bank account they pulled it from. Not only did they not do that, they sent it to a whole different bank account, now sure i could've just transferred it over to the correct account but thats not the point the point nor my job to try and fix their mistakes and to top it off the wrong account they sent it to had a negative balace on it and was unable to retrieve the stolen funds. I will not be calling my bank to fix this as Lending Point is the cause off all this commotion so i will leave it to them to do all the calling XXXX and runaround i will not be making no more payments until this issue is fully resolved. How can you guys continue to be so negligent charging unauthorized card and sending funds to incorrect bank accounts

Company response to consumer: Closed with explanation