vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-22 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:
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. 

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 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 non-monetary relief
Consumer complaint received 2025-06-22 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-06-22 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:
I am a victim of identity theft. Multiple fraudulent accounts and unauthorized credit inquiries were added to my credit reports without my knowledge or consent. I submitted a formal dispute letter, a notarized identity theft affidavit, and an official FTC Identity Theft Report ( Report # : XXXX ) to TransUnion and other credit reporting agencies, requesting a block and removal of this fraudulent information under FCRA 605B. 

The fraudulent accounts include but are not limited to : XXXX XXXX ( XXXX # XXXX, XXXX, etc. ) XXXX ( XXXX # XXXX, XXXX, etc. ) XXXX XXXX XXXX ( multiple accounts totaling over {$17000.00} ) XXXX ( XXXX # XXXX ) Numerous auto-related hard inquiries and inaccurate personal/employment data. 
Despite submitting all required documents, including proof of identity, identity theft report, and a list of fraudulent items, these items have not been blocked or removed in accordance with FCRA 605B, 615 ( f ), and 623 ( a ) ( 6 ). This has caused me significant financial and emotional distress.

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 2025-06-22 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: MI

Complaint narrative:
I am a victim of identity theft. Multiple fraudulent accounts and unauthorized credit inquiries were added to my credit reports without my knowledge or consent. I submitted a formal dispute letter, a notarized identity theft affidavit, and an official FTC Identity Theft Report ( Report # : XXXX ) to TransUnion and other credit reporting agencies, requesting a block and removal of this fraudulent information under FCRA 605B. 

The fraudulent accounts include but are not limited to : XXXX XXXX ( XXXX # XXXX, XXXX, etc. ) XXXX ( XXXX # XXXX, XXXX, etc. ) XXXX XXXX XXXX ( multiple accounts totaling over {$17000.00} ) XXXX ( XXXX # XXXX ) Numerous auto-related hard inquiries and inaccurate personal/employment data. 
Despite submitting all required documents, including proof of identity, identity theft report, and a list of fraudulent items, these items have not been blocked or removed in accordance with FCRA 605B, 615 ( f ), and 623 ( a ) ( 6 ). This has caused me significant financial and emotional distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: MI

Complaint narrative:
The name of the company is Eastern Account Systems. They have placed a debt on my credit report. I have never had an account with this company. They are claiming they are representing XXXX XXXX, a utility company. I have not given authorization for this agency to buy any debt of mine. Eastern Account systems updated, a debt on my credit report on XX/XX/scrub>XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: GA

Complaint narrative:
I was called into the finance office of XXXX in XXXX of XXXX and was told that it was tome to pay for my final six months of schooling. Im a retired Vet. And I have used all of my GIBILL benefits. So, I've need using loans. I applied for for assistant from FAFSA. For some reason or another my loans request for XXXX through XXXX hadn't gone through So I borrowed the XXXX $ needed to cover the last six months of schooling from my family members. I deposit the funds in my school account through the school account and then most for them FAFSA. Loans went through. According the the report the finance manager and XXXX gave me, I spoke with XXXX or XXXX finance personnel 's there at the school on this matter. Here is where it got weird fort in had it the time over XXXX $ setting in my account and they still called my to pay a remaining balance of XXXX $ to close out my school 's cost from mid XX/XX/XXXX to XX/XX/XXXX. " I finished school on XX/XX/XXXX. '' Back to the point. I asked why am I getting a bill and being asked to pay when you already have a XXXX $ credit sitting only account. So the finance manager assure that it the end of the courses if any of the funds are left on the account they would be returned to me. I understand them taking the XXXX $ from the XXXX $ and that would have left a credit of XXXX $ on my account but it was like XXXX XXXX So, where did the other XXXX $ dollars go. So what's not clear to me as that when I last checked my school account I had a credit of XXXX XXXX I think. And in my out brief it was clear throat is would receive a check for that amount. But instead I received a phone call after I reached out to the school when I didn't receive my refund check. Finally I got a called back and they young lady told me that my debt had been cleared and I checked my account and she had clearest credit that was to be returned to me. Im sure they stole the XXXX $ but if my student loads and grants covered all my school cost then they took the hold XXXX $ because I paid all that back in XX/XX/XXXX and XX/XX/XXXX. I didn't have any more school debt after that. Plus they charged us for books that was to provided to use free of charge by just giving us the FAA websites. Please look into this matter for me. I can't afford to just give away XXXX XXXX Literally in can barely pay may bills. Please help me. Thank

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: IL

Complaint narrative:
My person was in XXXX for a number of years in and out from XXXX to just recently in XXXX, I have been the product of XXXX XXXX laws that have kept my person trapped in a web of XXXX XXXX and turmoil for some time! Because of this issue I am being forced to pay XXXX in interest that has accrued over a number of years while in prison! According to the powers that be I did not check an appropriate box while trying to put these loans into forbearance while in XXXX while mailing documents from within the XXXX the loan servicers were in turn mailing documents back to the last known address where I no longer lived!!! One would think that if I am sending documents from in a prison that I NO LONGER LIVED AT THE PREVIOUS ADDRESS?! So I never got any correspondences from the loan servicer that a box on the forbearance application was not marked properly???? Obviously I was in need of some assistance with FORBEARANCE because I WAS IN XXXX!!!!! So these people did not seem to care about my situation and sent my loans into default and for a number of years while in XXXX  on a daily basis my loans were accruing interest!! After speaking with them and sending them proof of XXXX they DO NOT SEEM TO CARE!!!! SO I AM STUCK WITH XXXX IN INTERST ON TOP OF A XXXX LOAN THAT STARTED BACK IN XXXX? Any how this is my COMPLAINT PLEASE HELP!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: AL

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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: SC

Complaint narrative:
I am writing to formally request the removal of fraudulent information from my credit file. I am a victim of identity theft, and there are multiple accounts and inquiries listed on my credit report that I did not authorize or apply for. These items are not accurate and do not belong to me.

In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you block and remove the unauthorized accounts and inquiries from my credit report. Attached to this letter, you will find a list of the disputed items as well as a copy of my Identity Theft Report filed with the Federal Trade Commission. 

Please take the necessary steps to investigate and delete these items from my credit report as soon as possible. I appreciate your prompt attention to this matter and request written confirmation once the corrections have been made.

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 2025-06-22 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: MI

Complaint narrative:
I am a victim of identity theft and have submitted a formal dispute to Equifax, Experian, and TransUnion, including a notarized identity affidavit, police report ( # XXXX, filed with the XXXX Police Department ), and supporting documents. My credit report contains numerous fraudulent and unverified accounts and hard inquiries, including auto loans, credit cards, and student loans which I never applied for or authorized. 

Despite my full documentation and request to block this information under FCRA 605B ( 15 U.S.C. 1681c-2 ), the credit bureaus have continued to report the following fraudulent accounts without providing original signed contracts or proper verification : XXXX XXXX {$23000.00} auto loan XXXXXXXX XXXX {$800.00} charged-off credit card XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$1200.00} XXXXXXXX XXXX XXXX loan tradelines Multiple unauthorized credit inquiries ( XXXX XXXX XXXX XXXX XXXX  ) Inaccurate names and addresses that are not mine I requested deletion under FCRA 1681i and 1681s-2, yet no sufficient verification or resolution was provided. Several collectors may also be violating FDCPA 809 by reporting unverifiable 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 2025-06-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Regional Management Corporation
State: SC

Complaint narrative:
Regional Finance Account Name : Regional Finance Account Number : [ XXXX To Whom It May Concern, I am writing to dispute inaccurate information currently appearing on my Experian credit report in connection with the above-referenced account from Regional Finance. 

This account has been charged off and closed, and the debt was sold to XXXX XXXX XXXX. Following a complaint filed with the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX deleted the account from my credit report. 

Despite this, Regional Finance is still reporting the account, even though they no longer own the debt. This may be considered duplicate and misleading reporting under the Fair Credit Reporting Act ( FCRA ) and should be investigated and corrected.

I request that you : Investigate the current status of the Regional Finance account and confirm whether they still own the debt.

Delete or update the account to reflect accurate and complete information, if it is no longer their legal responsibility.

In accordance with 15 U.S.C. 1681i, please complete your investigation within 30 days and provide a written response along with an updated copy of my credit report. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX ( last XXXX digits ) : XXXX DOB : [ MM/DD/YYYY ] Phone : [ Your

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked immediately. Enclosed is a copy of my Police Report and FTC Identity Theft Report ( FTC Report Number : XXXX ) to support my identity theft claim. 
Under 15 U.S.C. 1681c-2, once a consumer submits an identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four ( 4 ) business days.

The following information on my credit report is the result of identity theft and should be blocked : XXXX Accounts to Be Removed : 1. ACCOUNT DETAILS : Account Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Opened : XX/XX/XXXX XXXX. ACCOUNT DETAILS : Account Name : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Opened : XX/XX/XXXX Fraudulent Inquiries to Be Removed : XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX As required by law, this fraudulent information should be blocked for at least one year, after which I may request an extension of the block. During this time, you may not report this information on my credit file or indicate that my report contains any fraudulent data.

I have contacted the Equifax, on several occasions to report these fraudulent accounts, yet I have not received any resolution. This situation is seriously affecting my ability to qualify for a new home for my children. These same accounts were deleted and not verified by other credit bureaus, which raises serious questions about their legitimacy. 
I have also requested verification and contract documentation from the companies reporting these accounts, and more than 60 days have passed without any response. Therefore, I am requesting immediate action. 
Enclosed is my FTC Identity Theft Report. I respectfully request that you make a fair and just decision regarding my situation. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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: MI

Complaint narrative:
On XX/XX/year> I submitted a complaint to Equifax about inaccuracies on my credit report and nothing has changed. Upon reviewing my credit file, I noticed that a late payment has been reported on the following account, XXXX XXXX XXXX : which I believe is incorrect : I am formally disputing the late payments reported on my credit file, as they are inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ) .The information reported is inaccurate and misleading. Under the FCRA ( 15 U.S. Code 1681e and 1681i ), credit reporting agencies and furnishers are required to ensure that all information reported is complete, accurate, and verifiable. Reporting a late payment that did not occur or misrepresenting the timing or severity of such a payment violates these federal guidelines. 

In accordance with my rights under the FCRA, I respectfully request that this account be fully investigated and that the inaccurate late payment entry be corrected or removed. 

Please complete your investigation within the 15 day window allowed by law and send me written confirmation of the outcome.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I deposited a check for {$55000.00} against the sale of my car in my chase bank account. They have kept it on hold for 10 days despite receiving confirmation from the bank that sent the check that it was cashed out on the XXXX of XXXX itself Chase refuses to accept it, I have spoken to customer care twice and they just say they have verified it and will tell their team to remove the hold but nothing is done for it. It still says the fund wont be available for 10 days despite showing proof that the money has been deducted form the person who wrote the checks account. They are holding on to my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: GA

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : XXXX - XXXX 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 XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
Goldman Sachs has repeatedly processed payments I schedule on my account AND also for balance in full WITH A HOLD on credit limit available for over a week past date payments are confirmed from my bank~~they say their automated system selects which payments to hold and refuses to make clear and documented proof of any such disclosure and policy/term.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
For a XXXX I have not been able to access by account via the internet. Experian has the worse customer service of any company. I have filed many complaints and they have not fixed the problem. Their customer service line is a robo line and it is impossible to reach a actual agent. I need internet access to my account. I need a customer service agent at Experian to contact me to unlock my account 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