vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-12 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
I have tried to dispute this debt. I have never had services with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Block, Inc.
State: TX

Complaint narrative:
Ive been using my cashapp card the past couple weeks and someone took my card info. They took XXXX dollars out my account repeatedly stealing XXXX dollars. They still attempt even though my cashapp card has been canceled, but cash app acts like its no big deal

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX  XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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: GA

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 2025-04-12 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: VA

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 non-monetary relief
Consumer complaint received 2025-04-12 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: VA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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: VA

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 2025-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
This account has me and my husband on it. We have requested invoice/statements with our payment plan by email and print and in portal but never provided. Now AMEX says Im not even on the account and I cant make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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:
It is imperative that this items be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the items that require correction :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am struggling to pay off this debt due to financial hardship. Ive been charged excessive interest over time, and my minimum payments are barely reducing my balance. Ive reached out to the company for support, but Ive either been ignored or offered no real options. I am requesting a thorough review of this account to determine if there are any relief programs, interest adjustments, or settlement options available due to my current situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX  as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I never received any of my three requests for my free credit report Ive checked my text and my email all information is entered correctly

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 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX Date : XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Correction of Name Variation on Credit Report Dear Experian Dispute Department, I am writing to formally request the correction of inaccurate name variations currently associated with my credit report. Upon reviewing my credit report dated XX/XX/year>, I noticed that my report lists both : on Report Number XXXX XXXX XXXX XXXX XXXX correct ) XXXX XXXX XXXX ID # XXXX ( incorrect ) XXXX XXXX XXXX ID # XXXX ( incorrect ) My full legal name is XXXX XXXX XXXX XXXX and I do not use or recognize the names XXXX XXXX XXXX XXXX XXXX as valid names associated with my identity. I believe this incorrect variation may have been added in error or as a result of a data entry issue.

Please update your records to reflect only my correct legal name and remove any incorrect or duplicate variations to ensure the accuracy of my credit file. 

For your reference, I have included the following documents : - A copy of my government-issued ID - relevant section of the credit report - Birth certificate If further verification is required, please contact me at the phone number or email provided above. I would appreciate written confirmation once this correction has been completed. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX 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 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Rent Recovery Solutions
State: NC

Complaint narrative:
I am filing this complaint because both Rent Recovery Solutions and XXXX have failed to follow proper procedures under the Fair Credit Reporting Act ( FCRA ) in response to my credit dispute. 

In addition, I am requesting the original timeline of all disputes and verifications submitted regarding this account, including dates of : Initial reporting All disputes All verifications Communications between XXXX and Rent Recovery On XX/XX/year>, I sent a written dispute to Rent Recovery Solutions requesting full validation of the debt they are reporting, including lease documents, move-out inspection photos, an itemized statement of charges, and proof of how the amount was calculated. Rent Recovery responded vaguely, stating that I must request documents by mail, and did not provide any verification or substantiating records electronically or through the CFPB portal. 

Despite this, XXXX notified me that Rent Recovery certified the information as accurate, and no changes were made to the tradeline as a result of my dispute. 

This raises a serious FCRA concern : If Rent Recovery refused to provide me with documentation without a mailed request, then how did they verify the accuracy of the trade-line to XXXX electronically during the dispute investigation? 

This suggests that no meaningful investigation was conducted and that the verification was done through automated e-OSCAR responses without a review of any documentation. This violates FCRA 1681i ( a ) which requires credit bureaus to conduct a reasonable reinvestigation and ensure the accuracy and completeness of disputed information. 

Additionally : Rent Recovery previously admitted the carpet charges were prorated, indicating that some charges are subjective or partially acknowledged. 
I have not received any photos, invoices, or full breakdown of the charges. 
The tradeline continues to report negatively with no actual validation provided to me. 



Requested Resolution : Immediate deletion of the Rent Recovery Solutions tradeline from my XXXX credit report. 
Investigation into Rent Recoverys failure to provide validation. 
Investigation into XXXX acceptance of unverifiable data and failure to comply with FCRA reinvestigation standards. 
Written documentation showing exactly what verification was used to confirm the tradeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: KY

Complaint narrative:
Thanksheres a professional version tailored for a formal complaint involving the XXXX  of I am submitting this complaint regarding the XXXX XXXX XXXX  and Mohela Loan Company due to serious concerns about their past and ongoing practices. Both entities have been the subject of multiple investigations and legal actions related to predatory lending, high-pressure recruitment tactics, and the dissemination of inaccurate or misleading information concerning student loans and repayment obligations. 

These practices have misled many studentsincluding myselfinto taking on significant debt under false pretenses or without a clear understanding of the long-term financial impact. The resulting financial burden has had a lasting negative effect on students credit, financial stability, and overall well-being. 

I believe these actions demonstrate a pattern of misconduct that warrants further scrutiny and accountability, and I respectfully request that this complaint be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: TX

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2025-04-12 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: NJ

Complaint narrative:
Subject : Immediate and Unconditional Deletion of My Credit Report Due to Identity Exposure on the Dark Web To Whom It May Concern, This letter is a formal, non-negotiable demand for the complete and permanent deletion of my credit report and all associated data from your system, effective immediately. 

My entire identity has been compromised and exposed on the dark web. This includes but is not limited to my name, Social Security number, date of birth, and other sensitive identifiers. As a result, I am at constant risk of fraud, data abuse, and ongoing financial harm. There is no longer a safe or accurate way for you to store or report any credit-related data under my name. 

Let me be absolutely clear : I am not providing identification, I am not filing police reports, and I am not submitting FTC claims. My data has already been exposed and I will not compromise my safety further by circulating sensitive information that is already vulnerable. 

I demand the full deletion of my credit report and any personal data associated with it. Partial measures like freezes, alerts, or item disputes are insufficient and irrelevant. You can not legally or ethically justify the retention of compromised data under these circumstances. 

You have no legal right to maintain data that you can not guarantee is accurate or secure. If you fail to comply with this demand within XXXX business days, I will take immediate legal action and file complaints with : The Consumer Financial Protection Bureau ( CFPB ) The XXXX XXXX XXXX Attorney General Data privacy and consumer rights advocacy groups News outlets covering consumer data breaches and credit reporting abuse This is your final notice. My data has been exposed to criminal networks. Your continued possession or reporting of this information constitutes a direct threat to my safety and a violation of my privacy rights. 

I expect written confirmation that my entire credit report has been deleted not frozen, not restricted, but fully removed and that no further data collection or reporting will occur under my name. 

No exceptions. No delays. 

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 2025-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I was scammed from this betting website and I tried to get them to dispute the charges, but they denied my claim and now my bank is telling me I have to pay them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief