vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 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: PA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC
State: MI

Complaint narrative:
My information was a part of a data breach therefore many accounts were added as a result of fraud and identity theft. After finding this out I made a Police Report and contacted companies on my behalf. I was then told to contact credit bureaus and file disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: MS

Complaint narrative:
I filed a dispute for unauthorized charges back in XXXX, I have provided a police report and have reached out to that merchant several times with no resolution. I have gotten documents from the merchant showing I rented in 2 states at the same time which is impossible! SoFi has been no help, anytime you call in youre routed to different people who give different conflicting information. Its very frustrating that your bank doesnt go the extra mile to assist and resolve the issue. This is my 3rd time reaching out to consumer finance and Sofi still has done NOTHING. I will attach the police report they requested as well as the documentation showing another state

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX  XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX on XX/XX/XXXX with a balance of {$14000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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 request the immediate removal and blocking of these unauthorized accounts from my credit report. I did not open or approve them, and I have no connection to them. Under the guidelines of XXXX XXXX, I am requesting their deletion within the next XXXX  days. Please review the enclosed documentation. I also noticed that the reported information varies between bureaus, making it inaccurate and misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Inaccurate account balance they are trying to collect double balance owed XXXX is balance owed but they are charging me XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Equifax sent me a {$22.00} card for exposing my information in a breech. I registered the card and can not use it-continually get errors that my card was declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX Experian XXXX. XXXX XXXX XXXX, XXXX  XXXX Subject : formal Dispute- reporting of invalidated debt To whom it may concern, I am writing to formally dispute an account listed on my Experian credit report. This account has not been validated by the debt collector, despite my written request under the Fair Debt Collection Practice Act ( FDCPA ) Details of the account XXXX XXXX XXXX Account # XXXX Amount {$560.00} I sent a written request for validation to the debt collector on XX/XX/25, and they have failed to provide proper documentation proving the debt is mine and that they are legally authorized to collect it. 
According to the Fair Credit Act ( FCRA ), Experian is required to ensure the accuracy of information it includes in consumer reports. Reporting a debt that has not been validated is inaccurate and misleading.i demand that this invalidated account be immediately investigated and removed from my credit report if the furnisher is unable to verify the accuracy of the information enclosed are proof of address copy of the account in question. 
Please complete this investigation within the XXXX -day window as required by law Sincerely XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 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 2025-04-23 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: Federated Student Loan Services
State: GA

Complaint narrative:
My personal and financial data was compromised violating FERPA. My privacy was exposed too XXXX XXXX  and unauthorized individual and his employees which is a clear case of a data breach of my private sensitive information and violation. I request full cancellation of my student loan debt showing a balance of {$0.00} and payment history complete XXXX XXXX. These accounts shall be immediately cancelled showing an update. Under the XXXXramm Leach Bliley Act you have a right to opt out of getting your conpublic personal information with non affiliated party And in this situation my rights were violated under the FERPA ACT. They violated your rights bu not providing you with your opt out disclosure. Because as a consumer I have a right to Privacy and also have the right to opt out of getting my nonpublic personal information shared to NON Affilaled Third party persons or companies. 
1. Privacy of Education Records - Schools can not disclose personally identifiable information ( PII ) from student records without written consent, except in specific legal circumstances. 
2. Access to Records - Students ( over XXXX  ) and parents ( for minors ) have the right to review and request corrections to their education records. 
3. Control Over Information Sharing - Schools generally need student or parenta! consent before sharing records with third parties, except for certain exemptions ( e.g., government officials, school transfers, financial aid processing ). 
The violations include : Unauthorized access or sharing of student records. 
Failure to provide students access to their own records. 
Data breaches involving protected student information.

Company response to consumer: Untimely response
Consumer complaint received 2025-04-23 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: NY

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: IN

Complaint narrative:
I am writing to request the immediate removal and blocking of these unauthorized accounts from my credit report. I did not open or approve them, and I have no connection to them. Under the guidelines of USC 1681g, I am requesting their deletion within the next 15 days. Please review the enclosed documentation. I also noticed that the reported information varies between bureaus, making it inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: NY

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I filed a dispute with all 3 credit bureaus stating my account with XXXX XXXX  is paid in full. 

I provided documentation showing the account was paid in full however Experian Credit bureau sent back their findings Stating the information is reported correctly and did not change it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I filed a dispute with all 3 credit bureaus stating my account with XXXX XXXX  is paid in full. 

I provided documentation showing the account was paid in full however Experian Credit bureau sent back their findings Stating the information is reported correctly and did not change it.

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 2025-04-23 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:
Hello, I am wanting these inquires to be deleted as I did not authorize these companies to run my credit. 

These are fraudulent. FTC report has been uploaded Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: FL

Complaint narrative:
I am writing to formally dispute and request a correction regarding several late payment notations on my credit report associated with my account from XXXX XXXX XXXX XXXX. The account has since been paid in full, but the late payment entries are negatively impacting my creditworthiness. 

During a period of financial hardship, I proactively contacted XXXX XXXX by telephone and informed them of my situation. In these conversations, I was assured that any late payments resulting from this hardship would not be reported to the credit bureaus. It was understood and agreed upon that my efforts to maintain communication and explain my circumstances would be honored with leniency on reporting. 

Given this agreement and the fact that the account has been fully satisfied, I kindly request that XXXX XXXX uphold the assurances provided during our telephonic conversations. I respectfully ask that the company review recordings and notes of the calls made during this period to verify this understanding. 

In light of these circumstances, I am requesting that the late payments be removed and that the account be updated to reflect on-time payment history in good faith and as a gesture of goodwill. This adjustment would not only help restore my credit but also reflect the cooperative and responsible approach I took in resolving my debt during a challenging time. 

Please confirm in writing that these late payments will be removed or inform me of any further documentation needed to proceed with this request. Thank you for your attention to this matter and for your consideration.

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 2025-04-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts 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 XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX 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 has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: FL

Complaint narrative:
I am writing to dispute an inaccurate collection account listed on my TransUnion & Experian credit report. The account, reported by XXXX XXXX XXXX, lacks the original creditors date of first delinquency, rendering it unverifiable and in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681c ( a ) ).

This same account was disputed with Equifax for the same reasonmissing date of first delinquencyand was removed from my Equifax report, confirming its inaccuracy. I have disputed this with TransUnion & Experian multiple times, yet it remains. Without a valid date of first delinquency, the account can not be verified and must be removed immediately under FCRA requirements ( 15 U.S.C. 1681i ).

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 2025-04-23 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: PA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: MI

Complaint narrative:
My information was released in a huge data breach by a certain credit bureau and I have noticed many fraudulent accounts added to my report. Ive made a police report and have contacted bureaus regarding the removal of this information.

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 2025-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2025-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
MyXX/XX/XXXXdidn't have a bank account so he endorsed his check to me and I deposited it into my Chase bank account they said that they couldn't verify him that he needed to get telephone number or something in his name to so they could verify him he did they wouldn't accept it he get an ID they wouldn't accept that they told us to have his place of employment reissue the check they wouldn't do it because they said it was cashed already I went into bank I went to a branch of the bank they offered no help they gave me a telephone number to call I called the telephone number they kept giving me the runaround this was in XXXXXX/XX/XXXXI went through a bunch of stuff with these guys for a couple of months and then they closed my account without my permission and I never received the funds from that check

Company response to consumer: Closed with explanation