vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 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: TX

Complaint narrative:
I am submitting a complaint regarding an unauthorized disclosure of my personally identifiable information ( PII ) from my education records at XXXX XXXX University, where I attended from XXXX. The disclosed information included my full name, dates of attendance, enrollment status, degree information, and other private student record details, all recorded in my official education records. The disclosure was not made by a school official, but by an unauthorized individual, XXXX XXXX, who has no employment relationship with XXXX XXXXXXXX University or the U.S. Department of Education. The disclosure occurred on or around XX/XX/2025, due to the universitys failure to adequately secure student records, allowing unauthorized access without my consent. I became aware of the breach through credible public reports around that date. I have had no communication with XXXX XXXX regarding the disclosure, and my attempts to seek clarification from XXXX XXXX University have not resulted in a satisfactory resolution. My federal student loans, serviced by XXXX, are associated with my enrollment at XXXX XXXXXXXX University. Based on this FERPA and Title IV violation, I am requesting an immediate discharge of my student loans.

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 2025-04-21 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: TX

Complaint narrative:
I am submitting a complaint regarding an unauthorized disclosure of my personally identifiable information ( PII ) from my education records at XXXX XXXXXXXX University, where I attended from XXXX. The disclosed information included my full name, dates of attendance, enrollment status, degree information, and other private student record details, all recorded in my official education records. The disclosure was not made by a school official, but by an unauthorized individual, XXXX XXXX, who has no employment relationship with XXXX XXXXXXXX University or the U.S. Department of Education. The disclosure occurred on or around XX/XX/year>, due to the universitys failure to adequately secure student records, allowing unauthorized access without my consent. I became aware of the breach through credible public reports around that date. I have had no communication with XXXX XXXX regarding the disclosure, and my attempts to seek clarification from XXXX XXXXXXXX University have not resulted in a satisfactory resolution. My federal student loans, serviced by XXXX, are associated with my enrollment at XXXX XXXXXXXX University. Based on this FERPA and Title IV violation, I am requesting an immediate discharge of my student loans.

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 2025-04-21 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:
I am submitting a complaint regarding an unauthorized disclosure of my personally identifiable information ( PII ) from my education records at XXXX XXXXXXXX University, where I attended from XXXX. The disclosed information included my full name, dates of attendance, enrollment status, degree information, and other private student record details, all recorded in my official education records. The disclosure was not made by a school official, but by an unauthorized individual, XXXX XXXX, who has no employment relationship with XXXX XXXX University or the U.S. Department of Education. The disclosure occurred on or around XX/XX/year>, due to the universitys failure to adequately secure student records, allowing unauthorized access without my consent. I became aware of the breach through credible public reports around that date. I have had no communication with XXXX XXXX regarding the disclosure, and my attempts to seek clarification from XXXX XXXX University have not resulted in a satisfactory resolution. My federal student loans, serviced by XXXX, are associated with my enrollment at XXXX XXXXXXXX University. Based on this FERPA and Title IV violation, I am requesting an immediate discharge of my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
JP Morgan opened a credit card under my name which I did not apply for. Somebody made charges on that account and did not pay the bill. These were not my charges. Account was open fraudulently. Tried contacting JP Morgan several times to resolve the issue unsuccessfully. I only became aware of the account when I applied for a preapproval on a mortgage And noticed a low credit score was reported because of a collection. I did not open this account. JP Morgan will not remove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-04-21 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: MS

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: PA

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 2025-04-21 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: VA

Complaint narrative:
After reviewing my credit reports I know a number of fraudulent inquiries that I did not authorize on my credit reports. 

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 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 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: LA

Complaint narrative:
Experian : XXXX XXXXXXXX XXXX XXXX, TX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
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 2025-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
Theres a social media seller mostly on XXXX selling hair and whitening cream/ beauty products. I purchased items totaling up to {$160.00} which was paid through cashapp. Cashapp conducted a non-verifiable investigation giving no reasonable explanation of why my claim was denied. They are still allowing this individual to collect money from innocent victims although its valid proof I was scammed and blocked by the seller after requesting a refund and or proof of shipping. Cashapp is allowing scammers on use the platform to scam people all over the world.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: IL

Complaint narrative:
Please take action to block and delete the unauthorized accounts from my credit report at your earliest convenience. I have no knowledge of these accounts, nor did I approve their creation. In compliance with USC 1681g, I am requesting they be removed within 15 days. Enclosed are documents for your evaluation. Its important to note that each bureau is reporting different and inaccurate details for the same accounts.

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 2025-04-21 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: TX

Complaint narrative:
I am writing to formally dispute and request investigation into several items reported on my credit file, which I believe contain inaccuracies and potentially misleading or inconsistent data in violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 607 ( b ), which mandates that only accurate and complete information be reported.

1. Late Payment Reporting Inconsistency There are accounts reporting 100 % on-time payment history yet are simultaneously marked as Late 90 Days. These two statements conflict and can not logically coexist. If the account was truly paid late, it can not reflect perfect payment history. If it was not late, the delinquency notation must be removed immediately.

I demand these contradictory items be either corrected to reflect the actual payment status or deleted in accordance with FCRA standards.

2. Unclear Remarks and Negative Indicators Some accounts include vague or outdated remarks such as Current account/was 30 Days Past Due. This type of notation serves no current purpose, yet it can have a negative impact on my creditworthiness. I request that these ambiguous or outdated remarks be removed if the accounts are now in good standing. 
3. Personal Information Cleanup My report contains multiple variations of my name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove any names that are not directly associated with active tradelines or verifiable accounts. Multiple name versions increase the risk of misreporting or file mixing, which can negatively affect my credit profile.

Request for Resolution In accordance with FCRA Section 611, I request an investigation and resolution of these items within the required 30-day window. Please send me written confirmation of your findings and actions taken. 

I have included a copy of my ID and proof of address to verify my identity. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: TX

Complaint narrative:
I am writing to formally dispute and request investigation into several items reported on my credit file, which I believe contain inaccuracies and potentially misleading or inconsistent data in violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 607 ( b ), which mandates that only accurate and complete information be reported.

1. Late Payment Reporting Inconsistency There are accounts reporting 100 % on-time payment history yet are simultaneously marked as Late 90 Days. These two statements conflict and can not logically coexist. If the account was truly paid late, it can not reflect perfect payment history. If it was not late, the delinquency notation must be removed immediately.

I demand these contradictory items be either corrected to reflect the actual payment status or deleted in accordance with FCRA standards.

2. Unclear Remarks and Negative Indicators Some accounts include vague or outdated remarks such as Current account/was 30 Days Past Due. This type of notation serves no current purpose, yet it can have a negative impact on my creditworthiness. I request that these ambiguous or outdated remarks be removed if the accounts are now in good standing. 
3. Personal Information Cleanup My report contains multiple variations of my name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove any names that are not directly associated with active tradelines or verifiable accounts. Multiple name versions increase the risk of misreporting or file mixing, which can negatively affect my credit profile.

Request for Resolution In accordance with FCRA Section 611, I request an investigation and resolution of these items within the required 30-day window. Please send me written confirmation of your findings and actions taken. 

I have included a copy of my ID and proof of address to verify my identity. 

Thank you for your immediate attention to this matter.

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 2025-04-22 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: 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.

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 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 2025-04-22 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: NY

Complaint narrative:
I am writing to formally dispute inaccurate information currently reported on my credit file. According to my credit report, there is a derogatory account reported by XXXX that should have been removed as part of a payment-for-deletion agreement. 

On or about XX/XX/year>, I made a good faith payment of {$350.00} to XXXX under the express condition that the account would be deleted from my credit report upon receipt of the agreed payment. This agreement was made in verbally and I fulfilled my obligation in full. 

However, this account continues to appear on my Experian credit file. This is a violation of the agreement made between myself and the creditor. Furthermore, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am entitled to dispute inaccurate or incomplete information on my credit report. I am requesting that this entry be investigated and permanently deleted from my credit file in accordance with my agreement with the creditor. 

Please conduct a reinvestigation of this matter and delete the XXXX account entry from my credit report. I am enclosing a copy of my payment confirmation as well as any related correspondence that supports my claim. 

I also request that you provide me with written confirmation once the investigation has been completed and the necessary corrections made. 

Thank you for your attention to this matter.

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 2025-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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.

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 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 2025-04-21 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: CA

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.

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions 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.

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 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