vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-29 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: CO

Complaint narrative:
Identity Theft Request for Blocked Information under 15 U.S. Code 1681c2 Dear CFPB, I am filing this complaint because my personal information was compromised in multiple data breaches, beginning with the Equifax breach. As a result, several fraudulent accounts were opened in my name without my knowledge or consent. I discovered these accounts when I reviewed my credit report on Experian, Equifax, TransUnion. They are now showing as closed and charged off, damaging my credit. Fraudulent Accounts on My Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My information was leaked in several data breaches, which allowed whoever to use my information to get credit cards, personal loans. 
Steps I Have Taken : I filed an Identity Theft Report with the FTC and submitted it to the credit bureaus on XXXX XXXX XXXX I have submitted a written request to all three credit bureaus asking that they block these accounts under 15 USC 1681c-2. I requested each creditor to confirm in writing that : The account is not mine, I am not liable for any debt, The account will be removed from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: CO

Complaint narrative:
Identity Theft Request for Blocked Information under 15 U.S. Code 1681c2 Dear CFPB, I am filing this complaint because my personal information was compromised in multiple data breaches, beginning with the Equifax breach. As a result, several fraudulent accounts were opened in my name without my knowledge or consent. I discovered these accounts when I reviewed my credit report on Experian, Equifax, TransUnion. They are now showing as closed and charged off, damaging my credit. Fraudulent Accounts on My Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My information was leaked in several data breaches, which allowed whoever to use my information to get credit cards, personal loans. 
Steps I Have Taken : I filed an Identity Theft Report with the FTC and submitted it to the credit bureaus on XXXX XXXX XXXX I have submitted a written request to all three credit bureaus asking that they block these accounts under 15 USC 1681c-2. I requested each creditor to confirm in writing that : The account is not mine, I am not liable for any debt, The account will be removed from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian\nDispute DepartmentXXXX XXXX XXXX XXXX XXXXSubject: Final Notise  Fraudulant Late Payment Dispute, Billing Error Violation, and Demand for Correction or Deletion\nDisputed Account Details:\n\tCreditor: XXXX XXXX XXXX XXXX XXXX XXXX XXXXInaccurate Late Payments: XXXX XXXX XXXX XXXX XXXX XXXXTo Whom It May Consern,\nThis letter serves as a final demand and legal dispute regarding false late-payment notations being reported on my Experian credit file. XXXX  and XXXX  is not reporting these inaccurricies Experian is obligated to report complete accuracy to the fullest extent. These entries are inaccurate, the result of a billing error, and in violation of multiple consumer protection laws.\n Violations of Law\nYou are currently in violation of the following federal statutes:\n\tTILA  15 U.S.C.  1666(b): Billing errors include (4) failure to properly reflect a payment, and (5) computation or similar accounting errors. No valid billing statement was issued to me 21 days prior to the alleged due dates.\n\tFCRA  15 U.S.C.  1681e(b): Failure to ensure maximum possible accuracy\n\tFCRA  15 U.S.C.  1681s-2(a)(1)(A): Reporting data with actual knowledge of inaccuracy\n\tFCRA  15 U.S.C.  1681c: Reporting obsolete, outdated information\n\tFCRA  15 U.S.C.  1681i: Failure to conduct a proper reinvestigation when a consumer disputes an item\n My Demands:\n\tProvide hard solid proof from XXXX XXXX XXXX  internal records showing a valid missed payment.\n\tUpdate the account to "Paid as Agreed".\n\tSend written confirmation of all actions taken by XXXX XXXX XXXX.\n Legal & Regulatory Action\nIf Experian continues to report false and unverifiable data, I will pursue monetary compensation under 15 U.S.C.  1681n for willful non-compliance. As a result of this violation, I have already filed complaints with the following:\n\tConsumer Financial Protection Bureau (CFPB)XXXX XXXX XXXX XXXXCalifornia Attourney Generals Office\nThis notice is issued Without Prejudice, and all Natural and Inalienable Rights Are Reserved.\nSincerly,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 2025-06-29 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: FL

Complaint narrative:
XXXX XXXX Social Security Number : XXXX, Date of Birth : XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 a personal credit card account opened at XXXX XXXX on XX/XX/year> under the account number XXXX .. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. Fraudulent Address XXXX XXXX XXXX XXXX XXXX GA XXXX is not in any association with me. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 explanation
Consumer complaint received 2025-06-29 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: CITIBANK, N.A.
State: CA

Complaint narrative:
My Citi Bank card was used without my permission. The card I thought was lost.all or most charges were somebody else

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I am filing a complaint because my creditor is reporting late payments on my account ending in XXXX, Bread Rewards XXXX XXXX, that are inaccurate and not properly verified. I have disputed directly with the credit bureaus and furnitures but the late payments remain without proper validation or documentation under 15 USC 1681 S 2. A furnitures must report accurate information under 15 USC 1681 I. The credit bureau must perform a reasonable investigation within 30 days. Neither have provided sufficient evidence to support the negative reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: GA

Complaint narrative:
My Nelnet account went into forbearance during the Covid time and was nonactive for a long time. Then they failed to make contact with me despite claiming that they sent correspondence telling me that payments would be resumed. I had moved to three different new addresses ( apartment leases ) in the span of the time that the forbearance was active so if they did send letters like they claim they did, I never received them. I also have a completely different salary now so the payment plan would actually need to be recalculated. They never had an actual conversation with me. One day I saw my credit score had tanked, and when I looked at the reason why, it showed that they had marked eight accounts as delinquent which completely destroyed my credit. Then they sold the debt to a whole other student loan company who Ive never spoken with before ( not collections ). When I contacted Nelnet about this, they told me they could do nothing about it. This has completely ruined my plans of getting a house this year due to my credit being destroyed by this without warning.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required.

Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: CA

Complaint narrative:
I've sent validation letters for this same issue of no authorization for hard inquiries. 
No results- they remain on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: NJ

Complaint narrative:
I recently reviewed a copy of my credit report and was shocked to learn that Ive been a victim of identity theft. Please remove this fraudulent account from my credit report. It is hurting my ability to obtain credit to purchase a home for my family. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am writing to file a formal complaint against Experian for reporting multiple unauthorized hard inquiries on my credit report. I am a confirmed victim of identity theft, as documented in the attached FTC Identity Theft Report ( # XXXX ) filed on XXXX XXXX XXXX 

The following companies conducted hard inquiries on my Experian credit file without my knowledge, consent, or authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries appear to be associated with fraudulent accounts that were opened in my name by an identity thief in XXXX and XXXX of XXXX. I have never initiated any applications for credit with these companies during that timeframe and did not provide permission for any of these inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Can't contact lender or servicer — 
Company: Western-Shamrock Corporation
State: TX

Complaint narrative:
The title loan was sent a third party. I called them and they dont have my title. Or any information about my loan. The company name. XXXX XXXX. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX continues to report negative items to the 3 major credit without providing proper documentation that I had an agreement with them or gave consent for them to access my personal information. I have sent letters and multiple requests without proper resolution and answers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: TX

Complaint narrative:
After reviewing my credit report, I found a fraudulent account impacting my credit. Please remove this account from my credit report as it is affecting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: FL

Complaint narrative:
I was transferred from one phone number to another and was never able to talk to anyone. 

these people were not authorized to run my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Larry H. Miller Group of Companies
State: GA

Complaint narrative:
I am formally disputing a hard inquiry reported on my credit report from Prestige Financial, which I did not authorize, initiate, or consent to. I have no current or past credit relationship with Prestige Financial, and I have not applied for credit, loans, or services that would lawfully permit them to access my consumer report. 

Details of the Unauthorized Inquiry Company Name : Prestige Finacial Inquiry Type : Hard Inquiry Inquiry Date : XX/XX/year> Violations and Applicable Laws : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( f ) It is unlawful for any person or entity to obtain a consumer report unless they have a permissible purpose and prior authorization from the consumer. Prestige Financials inquiry violates this statute if no such permission was granted. 
FCRA, 15 U.S.C. 1681b ( a ) ( 3 ) Permissible purposes are limited and include : A credit transaction initiated by the consumer Employment purposes ( with written consent ) Court orders or subpoenasNone of these apply in this case. I did not authorize any credit inquiry or application.

FCRA, 15 U.S.C. 1681n and 1681oThese sections provide for civil liability for willful or negligent noncompliance with the FCRA. If Prestige Financial knowingly obtained my report without permission, they are liable for damages, attorneys fees, and punitive damages. 
Federal Trade Commission ( FTC ) GuidanceThe FTC has clarified that pulling a credit report without a legitimate business need or consumer consent is considered an invasion of privacy and may constitute fraudulent activity.

My Demands : 1. Immediate removal of any and all hard inquiries from Prestige Financial from all three credit bureaus ( XXXX XXXX XXXX XXXX XXXX 
XXXX. A written investigation summary explaining how this inquiry was verified and why it was allowed to be reported. 
XXXX. Confirmation of deletion and correction of my consumer credit file under FCRA 1681i. 

If this unauthorized inquiry is not promptly removed from my credit file, I will take the following actions : File additional complaints with the Federal Trade Commission ( FTC ), State Attorney General, and XXXX XXXX XXXX 
Retain legal counsel to seek compensation for violations under FCRA, including damages for emotional distress, lost credit opportunities, and legal fees. 
I expect this matter to be fully investigated and resolved within the 30-day window required by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Date XXXX XXXX LVNV Funding LLC XXXX XXXX XXXX XXXX SC XXXX Re : Account Number : Account Number not available Original Creditor : LVNV Funding LLC To Whom It May Concern, I am writing in reference to the above-referenced account currently being reported on my credit file. I want to clarify that I am not disputing this account at this time. 

I am simply requesting that you provide me with the following information for my records : 1. The date of first delinquency 2. The date of last payment 3. The date the account was charged off This information is necessary for me to better understand the history and current status of the account. Please consider this a formal request for information under the Fair Credit Reporting Act ( FCRA ).

Thank you in advance for your attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: KY

Complaint narrative:
After I submitted a complaint about this company ( Cashapp ) they suddenly closed my account by saying there was fraudulent activity going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts information reporting to my credit report. These remarks has been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts information reporting to my credit report. These remarks has been detrimental to my life and credit health.

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