vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Illegal Student Loan Reporting & Collections Following Department of Education Abolishment To Whom It May Concern, My name is XXXX XXXX XXXX, my Social Security # XXXX XXXX XXXX, XXXX XX/XX/1976. I am filing a formal complaint against the U.S. Department of EducationXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX and TransUnion for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education .

Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education.

2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment.

3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ).

4. Received countless solicited, harassing, demanding calls with people yelling, mocking, threatening, and being verbally abusive after I asked them to stop calling. I eventually threatened to take legal action, and stopped answering my phone.

I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 

Sincerely, 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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Illegal Student Loan Reporting & Collections Following Department of Education Abolishment To Whom It May Concern, My name is XXXX XXXX XXXX, my Social Security # XXXX XXXX XXXX XXXX XXXXXX/XX/year>. I am filing a formal complaint against the U.S. Department of EducationXXXX XXXX XXXX , Experian , XXXX  XXXX and XXXX  for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education .

Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education.

2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment.

3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ).

4. Received countless solicited, harassing, demanding calls with people yelling, mocking, threatening, and being verbally abusive after I asked them to stop calling. I eventually threatened to take legal action, and stopped answering my phone.

I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action.

Sincerely, 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 explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Illegal Student Loan Reporting & Collections Following Department of Education Abolishment To Whom It May Concern, My name is XXXX XXXX XXXX, my Social Security # XXXX XXXX XXXX, XXXX XX/XX/year>. I am filing a formal complaint against the U.S. Department of Education/ XXXX XXXXXXXX XXXX XXXX XXXX Equifax , and XXXX for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education .

Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education. 

2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment.

3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ).

4. Received countless solicited, harassing, demanding calls with people yelling, mocking, threatening, and being verbally abusive after I asked them to stop calling. I eventually threatened to take legal action, and stopped answering my phone.

I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action.

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: CBC Companies, Inc.
State: CA

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 2025-08-05 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:
A fraudulent account from XXXX XXXX XXXXXXXX is appearing on my credit report. I have never applied for, opened, or authorized any credit card account with XXXX XXXX XXXXXXXX. The account is listed as opened on XX/XX/year>, but I have no knowledge of it, and no balance or account details have ever been provided to me. 

This tradeline is a direct result of identity theft and violates my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681c2 ), which mandates the blocking of information resulting from identity theft, as well as 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy in credit reporting. 

I am invoking EOSCAR Dispute Code 112 ( Fraudulent account ) and requesting that this account be immediately removed from my credit report. Until resolution, this account must be reported with Metro 2 Compliance Condition Code XXXX ( Account information disputed by consumer ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
In XXXX of 2024 my XXXX XXXX app was hacked and I reported a fraudulent order once I received an emailed message regarding said order. Barclays was to issue a new card number but, I have yet to receive a card that may be used for purchases. I have spoken to customer service, the security dept., etc. numerous times and been issued cards, on least five occasions, with the same account number, which has been flagged for fraud and unable to be utilized. I have spent more than 12 hours on the phone over 11 months and have been unable to resolve the issue. I have requested to speak to a member of management but have been denied each time. I have had this line of credit open for more than eleven years and am in good standing. As a solution, it has been suggested to close the account and apply for a new card which would have a negative impact on my credit score.

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 2025-08-05 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have submitted a dispute in regards to this issue one before and have gotten a response that everything has been cleared under my name. I have previously advised your office that I have not open or obtained an account, nonetheless, a credit with WELLS FARGO or any of the affiliates. I have confirmed and advised WELLS FARGO that I have not requested a credit card and that the address that the card was used to be open, is and was not my address of residency. I am not sure as to why and how this was done under my name and how WELLS FARGO approved a credit under my name, without doing any further review and confirmation. Given the fact that WELLS FARGO has the right to investigate and obtain all necessary information prior to approving any credits, WELLS FARGO has failed to uphold that duty and has caused my information to be used in a scam. Furthermore, WELLS FARGO must have gotten signatures along with other identifying information prior to opening an account under my name and failed to do so under the law and regulation of California along with the Federal laws that WELLS FARGO must comply with prior to approving any credit card/lines to anyone. Pursuant to WELLS FARGO 's online advertisement, WELLS FARGO encourages people to use their online system to apply for a credit card and states that its the " quickest '' way to get approved. I did not get a card for approval nor did I get anything in the mail from WELLS FARGO stating that my information was used or attempted to be used in order to open an account. Thus, WELLS FARGO has failed its duty, under California consumer laws and regulations by properly requesting necessary information and documentation to approve a card under my name. Moreover, WELLS FARGO violated federal laws when it approved a card under my name to someone else and is exposed to selling and/or buying my information under different affiliates, exposing them to a lawsuit under California 's due diligence acts and approval under misrepresented information and/or documentations. With that said, I am requesting for WELLS FARGO to immediately withdraw the charge off from my credit as I have previously stated that I did not own to account nor made any used of 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 2025-08-05 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: NJ

Complaint narrative:
I am filing a formal complaint against the credit reporting agency for maintaining a late payment entry reported by XXXX XXXX XXXX XXXX for XX/XX/year>. 
I have formally disputed this item with the furnisher ( XXXX ) and with the credit bureaus, requesting verification including notice prior to reporting, payment logs, and a signed lease authorizing data sharing. 

XXXX has failed to provide documentation supporting the derogatory mark, and the credit bureaus continue to report the late payment without proper validation, which may constitute a violation of the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681i ).

This entry is currently harming my credit while I attempt to finalize the purchase of my leased vehicle. I request that the credit bureau either provide full legal verification or remove the late payment from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am disputing a fraudulent account appearing on my credit report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct. No. XXXX ). 

I have never applied for, authorized, or opened this account. It is a clear case of identity theft. 

This account was allegedly opened on XX/XX/year> and reports a balance of {$840.00}. I did not sign any agreement, authorize any use of my personal identifying information, or make any payments on this account. 

I hereby invoke E-OSCAR Dispute Code 112 ( Fraudulent account ) and request immediate removal of this tradeline. Additionally, under Metro 2 guidelines, the account must be reported with XXXX XXXX XXXX XXXX ( Account information disputed by consumer ) during reinvestigation. 

This account is materially false and violates 15 U.S.C. 1681c-2 ( Block of Information Resulting from Identity Theft ) and 15 U.S.C. 1681e ( b ) ( maximum possible accuracy ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXXFollow-Up and Request for Update  Identity Theft Victim Request to Block and\nDelete Fraudulent Account\n\nDear Experian Consumer XXXXIm writing to follow up on the identity theft report I submitted regarding fraudulent\naccount and information related to my identity under the Fair Credit Reporting Act\n(FCRA), specifically pursuant to 15 U.S.C. 1681c-2(a). I am a victim of identity theft\nbecause of the Experian data breach, and unauthorized accounts have been\nfraudulently opened in my name.\n\nThe fraudulent account that I have identified on my credit report are as followsXXXX XXXX XXXX XXXX XXXX XXXXUnder 15 U.S.C.  1681c-2(a), I request that Experian promptly block and delete the\nfraudulent accounts from my credit file to prevent further harm to my credit profile.\n\nFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes.\n\nIf you require any further information or documentation to process this request, please\ncontact me immediately at the phone number or email provided above.\n\nThank you for your prompt attention to this matter. I appreciate your cooperation inXXXXensuring my credit report remains accurate and free from fraudulent activity.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 2025-08-05 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: FL

Complaint narrative:
I am submitting a complaint regarding serious inaccuracies and fraudulent activity present on my Equifax credit report. My report shows several inquiries that I never authorized, primarily appearing in XX/XX/XXXX. This indicates that someone fraudulently applied for credit in my name. I also found that the XXXX XXXX XXXX and XXXX XXXX accounts are not mine. I have not opened these accounts. The presence of these fraudulent inquiries and accounts is a violation of my rights under the FCRA and Florida law. The accounts and inquiries I am disputing on my Equifax credit report are : Inquiries in XX/XX/XXXX from 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 account, opened in XX/XX/XXXX, with an account number ending in XXXX. 
XXXX XXXX account, opened in XX/XX/XXXX, with an account number ending in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am disputing a late payment being reported by the credit bureaus for XX/XX/year>2025 on my XXXX XXXX account. A payment of {$620.00} was made on XX/XX/year>2025, and should have satisfied the minimum payment requirement for that month. I am requesting an investigation and correction of this inaccurate reporting, as it is negatively impacting my credit profile. I have supporting documentation to verify the payment and its timing if needed.

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 2025-08-05 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have submitted a dispute in regards to this issue one before and have gotten a response that everything has been cleared under my name. I have previously advised your office that I have not open or obtained an account, nonetheless, a credit with AMEX or any of the affiliates. I have confirmed and advised AMEX that I have not requested a credit card and that the address that the card was used to be open, is and was not my address of residency. I am not sure as to why and how this was done under my name and how AMEX approved a credit under my name, without doing any further review and confirmation. Given the fact that AMEX has the right to investigate and obtain all necessary information prior to approving any credits, AMEX has failed to uphold that duty and has caused my information to be used in a scam. Furthermore, AMEX must have gotten signatures along with other identifying information prior to opening an account under my name and failed to do so under the law and regulation of California along with the Federal laws that AMEX must comply with prior to approving any credit card/lines to anyone. Pursuant to AMEX 's online advertisement, AMEX encourages people to use their online system to apply for a credit card and states that its the " quickest '' way to get approved. I did not get a card for approval nor did I get anything in the mail from AMEX stating that my information was used or attempted to be used in order to open an account. Thus, AMEX has failed its duty, under California consumer laws and regulations by properly requesting necessary information and documentation to approve a card under my name. Moreover, AMEX violated federal laws when it approved a card under my name to someone else and is exposed to selling and/or buying my information under different affiliates, exposing them to a lawsuit under California 's due diligence acts and approval under misrepresented information and/or documentations. With that said, I am requesting for AMEX to immediately withdraw the charge off from my credit as I have previously stated that I did not own to account nor made any used of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax Information Services, LLCXXXX XXXX XXXX XXXX XXXXSubject: Follow-Up and Request for Update  Identity Theft Victim Request to Block\nand Delete Fraudulent Accounts\n\nDear Equifax Consumer Services,\n\nIm writing to follow up on the identity theft report I submitted regarding fraudulent\naccounts and information related to my identity under the Fair Credit Reporting Act\n(FCRA), specifically pursuant to 15 U.S.C. 1681c-2(a). I am a victim of identity theft\nbecause of the Equifax data breach, and unauthorized accounts have been fraudulently opened in my name.\n\nThe fraudulent accounts that I have identified on my credit report are as follows:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI request that Equifax promptly block and delete the fraudulent accounts from my credit\nfile to prevent further harm to my credit profile.\n\nFurthermore, I request written confirmation that these accounts have been removed, as\nwell as an updated copy of my credit report reflecting these changes.\n\nIf you require any further information or documentation to process this request, please\ncontact me immediately at the phone number or email provided above.\n\nThank you for your prompt attention to this matter. I appreciate your cooperation in\nensuring my credit report remains accurate and free from fraudulent activityXXXX XXXX

Company response to consumer: Closed with explanation