vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) has repeatedly documented Equifaxs failure to properly investigate consumer disputes, leading to legal action for FCRA violations. This ongoing pattern of noncompliance is unacceptable, and I will not allow my credit profile to be affected by Equifaxs negligence. 

The following accounts require immediate review and correction : Personal Information ( Equifax ) Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX Federal law ( 15 U.S.C. 1681i ) mandates that Equifax conduct a legitimate reinvestigation of all disputed information within 30 days. Any item that can not be 100 % verified with legitimate documentation must be deleted. These inaccuracies are actively damaging my financial standing, and I demand immediate corrective action. Failure to act promptly will not be ignored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: DISCOVER BANK
State: PA

Complaint narrative:
Upon check on my credit I seen two inquiries from Discover financial services that I did not recognize. I called to dispute them. They were not removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: FL

Complaint narrative:
My personal information was stolen in XXXX of XXXX XXXXhat included my drivers license, social security card, and birth certificate which I filed a police report in regards to. In connection with these stolen documents a series of fraudulent accounts were opened including XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I subsequently updated my original police report to include this information. The accounts listed are all fraudlent and need to be removed immediately.

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 2025-03-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: VA

Complaint narrative:
I attended XXXXXXXX XXXX XXXXXXXX in XXXX and was scammed by the school who falsified my credit report my fasfa and attendance and also Va benefits. By making it seem like I was awarded XXXX in XXXX grants which isnt true and should have been a red flag by the administration. They should not be on any of my paperwork being that they opened in the year XXXX and when asked to speak to someone I got hit with a cease and desist

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: EQUIFAX, INC.
State: DC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 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 XXXXXXXX XXXX XXXXXX/XX/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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I ALWAYS pay all of my monthly charges on -time and in-full. 
However, this Credit Card Company fraudulently claimed that I was Late with a payment, even though they cashed my payment check just prior to the due date, which I confirmed with me XXXX XXXX. 
Then, as these companies very often due, then began to accumulate bogus Late Charges and Interest Fees. 
This is a strategy that many unethical Credit Card Companies use to make money. 
AND THIS IS ILLEGAL!! 
They then ran my Bill up to over $ XXXX and reduced my XXXX score by over XXXX points.+ I filed a previous complaint with the CFPB, and was offered a Settlement to pay {$37.00}, which I agreed to as a compromise. 
HOWEVER, they accepted my compromise payment, and then BROKE the agreement by continuing to BILL me for Late Charges and Interest Fees!!! 
THIS IS DESPICABLE!! 
And this is why they will continue to do this, because there are NO consequences for their illegal actions.

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 monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management
State: FL

Complaint narrative:
I am filing a formal complaint against [ Doctor XXXX XXXX XXXX XXXX XXXX XXXX ] and AmeriFinancial Solutions for improper billing practices and unfair debt collection related to a medical bill I was never properly notified about. 

Summary of Issue : XXXX. Failure to Obtain Insurance Information : The healthcare provider failed to contact me to obtain my insurance information at the time of service. 
They had my phone number and email on file but did not use these methods to request my insurance details before sending the bill to collections. 
XXXX. Lack of Proper Notification : I was never contacted via email or phone regarding this bill. 
The provider claims they mailed statements three times in XXXX, but I had moved from that address and did not receive them. 
Their failure to use available means of communication resulted in me missing any opportunity to resolve this bill before it was sent to collections. 
XXXX. Unfair Collection Practices by AmeriFinancial Solutions : I was never notified that this bill was outstanding until I saw it on my credit report or received a collections notice.

AmeriFinancial Solutions has now placed a negative mark on my credit without giving me an opportunity to dispute or resolve the issue beforehand.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report, please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
On XX/XX/year> I was the victim of a phone scam. I first received a text from XXXX XXXX asking if I made an XXXX XXXX purchase in another state at a grocery store. The text said to call XXXX and provided a phone number if I did not make this purchase. I then fell and hit my head before calling back the number, unknowingly sustaining a concussion. I then called the phone number claiming to be XXXX XXXX, and the person who answered indicated that my checking account had been electronically compromised. He then transferred me to the fraud department. He told me that in order to " undo '' these charges we had to complete a series of steps which he walked me through and described in great detail while he was accessing my phone why he needed to this. While he was on the phone with me he insisted it was very important that I stayed on the phone with him and did not make any phone calls so that we did not lose the call. He then told me the last step was to purchase gift cards at XXXX 's in specific denominations so that I could enter them into a XXXX app to get my funds back. I would like a refund on these funds in the amount because although Barclays claims that the " activity is valid '' because the card was in my possession, I was coerced and scammed at a time when I had sustained a XXXX XXXXXXXX XXXX XXXX. This purchase and this behavior is completely out of my character. I have never made similar purchases and an hour into the phone call I realized I was the victim of a scam. I took immediate steps to remedy the situation including cancelling all of my credit cards, my checking account, filing a police report, and having my cell phone cleaned. This situation has seriously harmed my credit and my mental health. I understand Barclays /Mastercard is backed by FDIC and I am seeking a refund for the amount of {$1900.00} from Merchant 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 2025-03-21 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: TX

Complaint narrative:
This morning, I was alarmed to find an unauthorized inquiry on my credit report, and I have no idea how it got there. I check my report regularly, and I have never seen this before. Hoping it was just a glitch, I refreshed my browser multiple times, but the issue persisted. I am beyond frustrated, and I need the documents I submitted to be reviewed immediately so I can stop worrying about this.

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 2025-03-21 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: MO

Complaint narrative:
Dear XXXXXXXX XXXX XXXX XXXX I am writing to formally request the removal of account # XXXX from my credit report. This account has been settled, as evidenced by the filing of a 1099-C Cancellation of Debt form. Since the debt has been canceled and reported to the IRS, this account should no longer appear as an outstanding debt on my credit report.

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this account be updated and removed from all three credit reporting agencies ( XXXX, Experian, and XXXX ) immediately. 

Please confirm in writing once the necessary updates have been completed. 

Thank you for your prompt attention to this matter. 

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 2025-03-21 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: MO

Complaint narrative:
Dear XXXXXXXX XXXX XXXX XXXX XXXX am writing to formally request the removal of account # XXXX from my credit report. This account has been settled, as evidenced by the filing of a 1099-C Cancellation of Debt form. Since the debt has been canceled and reported to the IRS, this account should no longer appear as an outstanding debt on my credit report.

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this account be updated and removed from all three credit reporting agencies ( Equifax, XXXX, and XXXX ) immediately. 

Please confirm in writing once the necessary updates have been completed. 

Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: MO

Complaint narrative:
Dear XXXXXXXX XXXX XXXXXXXX XXXX I am writing to formally request the removal of account # XXXX from my credit report. This account has been settled, as evidenced by the filing of a 1099-C Cancellation of Debt form. Since the debt has been canceled and reported to the IRS, this account should no longer appear as an outstanding debt on my credit report.

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this account be updated and removed from all three credit reporting agencies ( XXXX, XXXX, and TransUnion ) immediately. 

Please confirm in writing once the necessary updates have been completed. 

Thank you for your prompt attention to this matter. 

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 non-monetary relief
Consumer complaint received 2025-03-21 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
My information has been used fraudulently on inquires and I need them to be removed due to identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Unauthorized items remain on my credit report as a result of the fraudulent use of my personal information, and I have never received any benefit from these transactions. Understanding the severity of the situation, I quickly filed a report with the Federal Trade Commission, expecting a resolution. However, despite following all the proper steps, these fraudulent items persist on my report. This has become incredibly frustrating, as I continue to face the damaging effects of someone else 's misuse of my identity.

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 2025-03-21 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:
I am submitting this formal complaint pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), requesting that TransUnion immediately block the following fraudulent accounts and remove associated addresses from my consumer credit report. These accounts and addresses are the result of identity theft and fraud.

Per the FCRA, I expect TransUnion to take action within four ( 4 ) business days of receiving this complaint.

The following accounts were not opened, made, or initiated by me and must be blocked and removed under FCRA 605B : XXXX. XXXX XXXX Account XXXX : XXXX Balance : {$8500.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX Balance : {$23000.00} Date Opened : XX/XX/XXXX XXXX. XXXX  Date Opened : XX/XX/XXXX XXXX. XXXX  Date Opened : XX/XX/XXXX XXXX. XXXX  XXXX XXXX Date Opened : XX/XX/XXXX XXXX. XXXX  XXXX  Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Additionally, the following fraudulent addresses were added to my credit report without my consent. I have never lived at or used these addresses, and they must be immediately removed : 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 XXXXXXXX To substantiate my claim, I have attached the following : Notarized FTC Identity Theft Criminal Complaint 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 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
In XX/XX/year>, I sent out a dispute on XXXX collections that were on my account that are older than XXXX years but said they were just opened as they get old. They reopen with new dates so I disputed it for accuracy with Equifax XXXX is XXXX XXXX XXXX XXXX for the amount of {$1500.00} and the other one for XXXX XXXX XXXX mo for {$2300.00}. 15U.S.C1681 is the fair credit Act I want that credit agency to fix the incorrect information that they have reported on my credit report I would like a copy of each original purchase agreement for each debt that is applied on my credit report through Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I BELIEVE THAT MY PERSONAL INFORMATION HAS BEEN COMPROMISED WITHOUT MY KNOWLEDGE OR CONSENT. ALONG WITH FRUADULENT ACTIVITIES AND TRANSACTIONS. AND UNAUTHORIZED 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 2025-03-21 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: NH

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. There are too many inconsistencies in my report : I need you to delete it, please, is something against the law.

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 2025-03-21 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: CA

Complaint narrative:
I am writing once again to follow up on my previous disputes regarding the inaccuracies in my personal information appearing on my credit report. My initial dispute letter was sent on XX/XX/XXXX, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. Additionally, I sent a follow-up letter on XX/XX/XXXX, but I still have not received a response. 

To reiterate, my correct and up-to-date personal information is : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX In my initial dispute, I provided supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to validate my identity and substantiate my claim. However, the inaccurate addresses remain on my credit report, which is unacceptable. 


Under the Fair Credit Reporting Act ( FCRA ), you are legally required to investigate disputes and correct any inaccurate information within the mandated timeframe. Your continued failure to address this matter not only violates my rights but also raises concerns regarding compliance with federal law.

I am formally requesting the following actions : Immediate removal of the erroneous addresses from my credit report. 
An updated credit report reflecting the corrected information. 
Written confirmation of the actions taken to resolve this dispute. 

If I do not receive a satisfactory response within 10 days of receipt of this letter, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 
XXXXXXXX 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 explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation