vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 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: Servicer under contract with Federal Student Aid
State: WA

Complaint narrative:
In XX/XX/2025 The Department of Government Efficiency ( DOGE ) was instructed by XXXX XXXX to gain access to the internal systems and databases within the Department of Education which includes the financial aid database that has all the personal and private information of the individuals that have used the Department of Education. Having that said, my private information ( SSN, name, address, etc. ) is in that database. It was my understanding that when I signed for the student loan my information would be protected and not shared without my consent, and I did not consent to DOGE or anyone to review my loans, and private/protected information. Along with that I checked my credit around the XXXX of XXXX and my student loan was with XXXX and when I checked it today my loan says it is with a company i have never heard of nor signed anything with. I would like to have my student loans discharged/canceled due to this breach of security, failure to protect my private and personal information and giving my loan to someone else all WITHOUT my consent.

Company response to consumer: Untimely response
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Back in XX/XX/year>, there were fraudulent transactions on my bank account that I reported immediately to my bank Wells Fargo. They opened claims and then denied them stating that they were not fraudulent according to their investigation. Since then, I have filed a police report and the person who did the fraud got arrested and is serving time in jail now. I have provided all the proof that the bank should need but they are continuing to refuse to pay me back.

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 2025-04-30 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: IL

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from 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 explanation
Consumer complaint received 2025-04-30 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: TX

Complaint narrative:
I am writing to formally dispute the following unauthorized hard inquiries that appear on my Equifax credit report. These inquiries were made without my knowledge, consent, or permissible purpose, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b. 
The inquiries in question are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: MO

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiries nor to view my consumer report. In addition, I did not give any permission to furnish such information onto my report. This is a violation of Fair Credit Report ACT Section 1681b ( c ) as fraud & breach of my privacy. Inquiries that's not authorized. 

XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/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 2025-04-30 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 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 non-monetary relief
Consumer complaint received 2025-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

XXXX # XXXX XX/XX/XXXX -- {$6500.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-30 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: IL

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. Account name XXXX  Account number XXXX ACCOUNT name XXXX  Account number XXXX Account name XXXX XXXX XXXX  Account name XXXX XXXX XXXX  XXXX  XXXX number XXXX ACCOUNT name # XXXX XXXX XXXX  number XXXX Account name XXXX XXXX XXXX XXXX has violated my rights.15 U.S.C 1681 section 602 A. State I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : it also starts a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C1681c. ( a ) ( 5 ) section State : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items 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 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
Consumer complaint received 2025-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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. Account name XXXX  Account number XXXX ACCOUNT name XXXX  Account number XXXX Account name XXXX XXXX XXXX  Account name XXXX XXXX XXXX  XXXX  XXXX number XXXX ACCOUNT name # XXXX XXXX XXXX  number XXXX Account name XXXX XXXX XXXX XXXX has violated my rights.15 U.S.C 1681 section 602 A. State I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : it also starts a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C1681c. ( a ) ( 5 ) section State : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items 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 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 2025-04-30 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: MO

Complaint narrative:
I am filing this formal complaint against XXXX XXXX XXXX for inaccurate and misleading reporting of a paid charge-off account, in violation of the Fair Credit Reporting Act ( FCRA ), and for failure by the credit reporting agencies ( Experian, XXXX XXXX XXXX ) to ensure accuracy and completeness of my consumer credit data as required under 1681e ( b ). 
The account in question is listed as XXXX XXXX XXXX. According to my credit reports, the following inconsistencies and inaccuracies are present : The first delinquency is reported as XX/XX/XXXX, yet the payment history shows charge-offs repeatedly reported for XX/XX/XXXX through XX/XX/XXXX, with no history of payments or delinquencies between those dates. Also date closed is different on each agency reporting this account. This creates confusion and raises concerns about account re-aging or improper reporting. 


The credit reports list XXXX different amounts : a high balance of {$500.00}, a credit limit of {$180.00}, and a charge-off amount of {$170.00}. There is no explanation or breakdown as to how these amounts are calculated or reconciled, which contradicts the requirement for fair and transparent reporting. 


Most importantly, the charge-off amount of {$170.00} was paid in full, yet this is not reflected accurately on my credit reports. It continues to show as a charge-off without any indication that the debt has been resolved. 


I have disputed this matter multiple times directly with Experian, XXXX XXXX XXXX Each bureau has provided a vague and non-substantive explanation, stating that the date is implied in the payment status history, which does not resolve the core inaccuracies outlined above.

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 2025-04-30 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: MO

Complaint narrative:
I am filing this formal complaint against XXXX XXXX XXXX for inaccurate and misleading reporting of a paid charge-off account, in violation of the Fair Credit Reporting Act ( FCRA ), and for failure by the credit reporting agencies ( XXXX Equifax, and XXXX ) to ensure accuracy and completeness of my consumer credit data as required under 1681e ( b ). 
The account in question is listed as XXXX XXXX XXXX. According to my credit reports, the following inconsistencies and inaccuracies are present : The first delinquency is reported as XX/XX/XXXX, yet the payment history shows charge-offs repeatedly reported for XX/XX/XXXX through XX/XX/XXXX, with no history of payments or delinquencies between those dates. Also date closed is different on each agency reporting this account. This creates confusion and raises concerns about account re-aging or improper reporting. 


The credit reports list XXXX different amounts : a high balance of {$500.00}, a credit limit of {$180.00}, and a charge-off amount of {$170.00}. There is no explanation or breakdown as to how these amounts are calculated or reconciled, which contradicts the requirement for fair and transparent reporting. 


Most importantly, the charge-off amount of {$170.00} was paid in full, yet this is not reflected accurately on my credit reports. It continues to show as a charge-off without any indication that the debt has been resolved. 


I have disputed this matter multiple times directly with XXXX, Equifax, and XXXX. Each bureau has provided a vague and non-substantive explanation, stating that the date is implied in the payment status history, which does not resolve the core inaccuracies outlined above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am filing this formal complaint against XXXX XXXX XXXX for inaccurate and misleading reporting of a paid charge-off account, in violation of the Fair Credit Reporting Act ( FCRA ), and for failure by the credit reporting agencies ( XXXX XXXX  and TransUnion ) to ensure accuracy and completeness of my consumer credit data as required under 1681e ( b ). 
The account in question is listed as XXXX XXXX XXXX. According to my credit reports, the following inconsistencies and inaccuracies are present : The first delinquency is reported as XX/XX/XXXX, yet the payment history shows charge-offs repeatedly reported for XX/XX/XXXX through XX/XX/XXXX, with no history of payments or delinquencies between those dates. Also date closed is different on each agency reporting this account. This creates confusion and raises concerns about account re-aging or improper reporting. 


The credit reports list XXXX different amounts : a high balance of {$500.00}, a credit limit of {$180.00}, and a charge-off amount of {$170.00}. There is no explanation or breakdown as to how these amounts are calculated or reconciled, which contradicts the requirement for fair and transparent reporting. 


Most importantly, the charge-off amount of {$170.00} was paid in full, yet this is not reflected accurately on my credit reports. It continues to show as a charge-off without any indication that the debt has been resolved. 


I have disputed this matter multiple times directly with XXXX XXXX and TransUnion. Each bureau has provided a vague and non-substantive explanation, stating that the date is implied in the payment status history, which does not resolve the core inaccuracies outlined above.

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 2025-04-30 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: NY

Complaint narrative:
This letter serves as my formal notice that a hard inquiry from XXXX, dated XXXX XXXX, appears on my credit report without a resulting account, transaction, or any ongoing relationship. 
Under FCRA 604 ( a ) ( 3 ), a hard inquiry is only permissible when there is a legitimate consumer-initiated transaction or request. No account was ever opened following this inquiry, and no transaction or business relationship with XXXX was established. Therefore, there was and is no permissible purpose for this inquiry to remain on my credit file. 
You are required by law to maintain only accurate, verifiable information on my consumer report. Failure to remove this unverifiable inquiry constitutes a violation of the FCRA and entitles me to seek damages. 
Accordingly, I demand : Immediate deletion of the XXXX inquiry from all versions of my credit report, Written confirmation of the deletion, Disclosure of any documentation you relied upon to verify the existence of a permissible purpose.

Should you fail to comply within 30 days under FCRA 611, I will not hesitate to pursue all available remedies, including but not limited to filing formal complaints with the CFPB, FTC, and state Attorney General, and initiating a civil lawsuit for willful noncompliance under FCRA 616.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Continental Finance Company, LLC
State: MO

Complaint narrative:
XXXX has a write off/charge off for the amount of {$710.00}. Looks like it was written off in XX/XX/XXXX and I have yet yet to receive a 1099 c form for tax purposes .I tried to dispute and request for it in XX/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