vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-10 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: OH

Complaint narrative:
XX/XX/XXXX NONE OF THESE ADDRESSES IS TIED TO ANY OF MY PROFILES. THESE ARE NOT MY ACCOUNTS AND I DEMAND THESE XXXX CREDIT BUREAUS REMOVE THE FOLLOWING ILLEGAL INFORMATION ON MY REPORT. IF NOT REMOVED FURTHER ACTION WILL BE TAKEN AGAINST THE CREDIT BUREAUS FOR REPORTING SUCH INFORMATION/ Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX Balance {$3400.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX Balance {$990.00} Date Opened XX/XX/XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXXXXXX 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 2025-04-10 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 recently reviewed a copy of my credit report and notice I had fraudulent account on my report. Please remove this account from my report, they are hurting my ability to obtain credit.

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 2025-04-10 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 recently reviewed a copy of my credit report and notice I had fraudulent account on my report. Please remove this account from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: FREEDOM FINANCIAL NETWORK
State: CA

Complaint narrative:
I enrolled in a debt settlement program with Freedom Debt Relief ( FDR ), which included regular automated withdrawals from my bank account. On XX/XX/year>, I contacted FDR to stop that months auto-payment due to an income change. I was told it was too late, but they instructed me to contact my bank to stop the payment and then manually deposit the necessary funds so that XXXX could still pay my creditor, XXXX XXXX, on time. 

I followed their exact instructions and deposited {$580.00} manually on XX/XX/XXXX. XXXX confirmed they received the payment, and that it cleared by XXXX XXXX time to meet the deadline for sending payment to XXXX. However, FDR never sent the check. On XX/XX/XXXX, I received an email saying my settlement with XXXX had been voided due to non-payment. 

I later discovered that FDR sent XXXX automated emails ( on XX/XX/XXXX and XX/XX/XXXX ) stating that if I authorized them to retry the auto-payment on XX/XX/XXXX or XX/XX/XXXX, I could get back on track. Since they had already received my manual payment by then, this proves the settlement could have been salvagedif someone had simply reviewed the account and sent the payment. They had the funds. They had the timeline. They had the documentation from our calls. But they didnt act.

FDR staff confirmed in multiple conversations ( many of which were recorded ) that my actions and payment timeline were correct. Despite this, I am now being held responsible for additional fees and penalties. When I escalated the issue, a member of FDRs leadership team, told me on a recorded call that FDR would cover any extra costs related to renegotiation. But no one followed through.

FDR also hired an external law firm, XXXX, to represent me legally in this matter. Despite my ongoing communication with XXXX, FDR renegotiated the settlement with XXXX on their own without informing their legal partners. I was never consulted. 

I have sent detailed, respectful emails to my FDR point of contact, asking for clear answers. After weeks of delay, she declined to address my questions via email and insisted on a phone call insteadeven though I had requested written communication for documentation purposes. 

This entire situation has caused me emotional stress, financial uncertainty, and a complete loss of confidence in FDRs services. I fulfilled my responsibilities ; they failed to fulfill theirs. I am requesting CFPBs help to ensure accountability and transparency and to be made whole.

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: CA

Complaint narrative:
I am submitting an FTC report for 5 accounts which were removed prior from my consumer report under FCRA 605B! They have reappeared onto my consumer report without any kind of written notification! I have refiled these accounts through the FTC to once again to be addressed under FCRA 605b! | have sighted FCRA consumer law as well so that these accounts are removed again! I am prepared to file a lawsuit next step as I demand these accounts are immediately blocked removed and will not show back up on my consumer report.

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: CA

Complaint narrative:
I am submitting an FTC report for 5 accounts which were removed prior from my consumer report under FCRA 605B! They have reappeared onto my consumer report without any kind of written notification! I have refiled these accounts through the FTC to once again to be addressed under FCRA 605b! | have sighted FCRA consumer law as well so that these accounts are removed again! I am prepared to file a lawsuit next step as I demand these accounts are immediately blocked removed and will not show back up on my consumer 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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( 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 section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
On the date of XX/XX/year> the Consumer faxed an Official Notice : Requirement to Update Credit Report Pursuant to 15 U.S. Code $ 1681s-2 ( a ) ( 2 ) to XXXX  XXXX, fax XXXX, XXXX department and sent Certified Mail Article Number : XXXX XXXX XXXX XXXX XXXX XXXX to report that XXXX  XXXX has not reported the Consumer 's account to TransUnion. The notice requested that XXXX XXXX immediately contact TransUnion and report the the Consumers account with the most current and accurate information. Additionally, enclosed with the notice was copies current XXXX and XXXX reports reflecting account.

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 2025-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
The company says they found proof that I made this purchase, but I do not have any authorized users on my card, and I have never been to this place that was charged. So I would like to know how there is proof I made this purchase. I would hate to have to close this card and take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
A company named XXXX XXXX is reporting a medical debt on my credit report to Experian under reference number XXXX. This debt has not been properly validated and contains sensitive medical information. Its reporting appears to be in direct violation of : The Fair Credit Reporting Act ( FCRA ) for unverified and inaccurate reporting, HIPAA for unauthorized disclosure of protected health information ( PHI ), and The CFPB Final Rule issued in XX/XX/year>, which prohibits medical debts from being included in credit reports furnished to lenders. 

Despite my written dispute and request for debt validation, the account remains on my credit report, potentially affecting my creditworthiness.

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 2025-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Complaint Summary : On XX/XX/year>, I deposited XXXX checks from the XXXX Department of Education XXXX Bank of America totaling {$20000.00} ( {$370.00} and {$20000.00} ). My deposit receipt clearly stated that the checks would clear, and funds would be available by XX/XX/year>. As of today, XX/XX/year>, my funds have still not been released. 

I have called Bank of America XXXX XXXX. I was finally told on XX/XX/year>, that the funds may be released soon, but no definite date was given. This has caused me significant financial hardship, stress, and inconvenience. 

These checks were issued by a federal agency XXXX XXXX Department of Education ), and there should have been no legitimate reason for such an unreasonable delay. 

I am demanding the immediate release of my funds and appropriate compensation for the emotional distress, financial inconvenience, and the interest the bank may have earned while withholding my funds. 


-- - Attachments : XXXX of both checks XXXX receipt Screenshot or document showing hold date XXXX of demand letter Call log ( if available )

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: CO

Complaint narrative:
Received an email XX/XX/XXXX about my student loans from the Department of Education. 
Called the Mohela number XX/XX/XXXX and was left on hold for 3 hours then got disconnected Called again XX/XX/XXXX and was on hold for 2 hours and immediately got disconnected again

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report and notice I had inquiries that I didnt authorize on my report. Please remove these inquiries from my credit 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 non-monetary relief
Consumer complaint received 2025-04-10 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report and notice I had inquiries that I didnt authorize on my report. Please remove these inquiries from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: Block, Inc.
State: OR

Complaint narrative:
From XX/XX/year> to XX/XX/year> I've been having problems with people taking my identity and using my identity and they've also just stolen phones for me and using my information put it on a black web as well as my cash have settlement was sent to someone else and not me so they receive my funds and not me so I'm wondering if there could be something done about that My information is involving identity theft right now so I'm going to need my finances to come back to where they belong and find out who did it so I can prosecute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: VA

Complaint narrative:
THIS IS A FRAUDULENT ITEM BEING REPORTED TO MY CREDIT REPORT. I DID NOT AUTHORIZE THIS ACCOUNT AND IT SHOULD BE BLOCKED IMMEDIATELY.

*FOR THIS TO BE A XXXX XXXX ACCOUNT, I DON'T EVEN HAVE KIDS. WRONG PERSON!!! NOT ME.

I CAN GUARANTEE THIS CREDITOR OR AGENCY, THEY PORTRAY THEMSELVES AS CANT SHOW YOU A PICTURE OF MY I.D NOR A PICTURE OF MY SOCIAL CARD. NOR WILL THEY HAVE A CONTRACT SIGNED BY ME STATING ANY DEBT ACKNOWLEDGEMENT OF SUCH NATURE. THIS ITEM NEEDS TO BE BLOCKED 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 non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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