vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-28 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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: NV

Complaint narrative:
Kindly remove and block the unauthorized accounts from my credit report promptly. I did not authorize or recognize these accounts. As per USC 1681g, I am requesting they be deleted within 15 days. Ive attached documentation for your review. Additionally, the account details reported to each bureau are inconsistent and 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 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My concern is with Experian dropping my credit score by XXXX points based largely upon XXXX lowering my credit limit by several XXXX dollars. I had contacted both XXXX and Experian prior. I contacted Experian first tho. Their dispute process would only allow me to address a creditor, not Experian 's process per scoring. Nonetheless, I advised Experian about my concerns about XXXX arbitrarily lowering my credit line because I did not maintain a balance with them and/or did not consistently a high amount of my credit limit with them. I advised both entities that I do use XXXX and have initiated charges which I typically pay off within 30 days ( up to 90 days for balances over {$1000.00} ). My income has remained constant ( XXXX XXXX  ) for several years, I have an excellent payment record with all my creditors, and I have little to no installment debt. Yet, my record was not enough to persuade either XXXX from lowering my credit limit OR Experian from lowering my credit score by XXXX points.

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 2025-04-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am asking for your assistance in looking into accounts from companies that have incorrectly reported late payments. After reviewing my credit report, I found some accounts showing late payments that are not accurate. These accounts should not have any such remarks. Please remove these errors and update the accounts to show a positive status as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Open Dealer Exchange, LLC
State: FL

Complaint narrative:
Hard inquiries in auto loans and lates payments and collections accounts are already closed XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: Overland Bond & Investment Corporation
State: IL

Complaint narrative:
I checked my credit report and found fraudulent information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Dyck-O'Neal, Inc.
State: PA

Complaint narrative:
Our XXXX mortgage was satisfied. We thought that our XXXX mortgage, originally underwritten by XXXX XXXX XXXX XXXX XXXX XXXX, was satisfied/ XXXX during a bankruptcy in XXXX. However, that XXXX mortgage, balance of {$4600.00}, was transferred from XXXX XXXX XXXX XXXX XXXX XXXX  to XXXX XXXX to Dyck O'Neal ; recorded as uncollateral. Note that the transfer to Dyck O'Neal was done during the bankruptcy.

We never heard from Dyck O'Neal until we received a letter XXXX years ago. There was no balance showing. Another letter, received about a year ago, shows a {$50000.00} balance. Plus Dyck O'Neal has taken XXXX lien position.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: NY

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report.

Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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:
When I checked my credit report this morning, I noticed accounts that don't belong to me, and I'm unsure how they ended up there. Normally, my report is accurate, but today I found unexpected errors. I refreshed my browser hoping it was just a loading issue, but the accounts stayed on the report. Because of this, I am requesting a careful review of all the documents I've submitted to prevent future concerns.

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 2025-04-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
15 usc 1681a ( 2 ) ( i ) Exclusions.-Except as provided in paragraph, the term " consumer report '' does not include- report containing information solely as to transactions or experiences between the consumer and the person making the report A late payment is a transaction which makes it illegal for it to be on a report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am a small business owner who relies on Squareup ( Square , Inc. ) to accept payments from customers. On [ date of deactivation : XX/XX/year> ], Square unexpectedly deactivated my account without clear explanation or prior warning. 

There is no outstanding balance or held funds on my account. 

I have not violated Squares terms of service to my knowledge. 

I have attempted to contact Squares support team multiple times to request clarification and reactivation but have received only generic, automated responses without a meaningful review of my case. 

The deactivation has directly harmed my ability to accept payments, causing disruption to my business operations. 

I am requesting that Square review and reinstate my account, or at minimum provide a clear, specific explanation for the deactivation with an opportunity to appeal the decision in a fair manner. 

Squares failure to provide adequate communication, due process, or options for resolution seems unfair and inconsistent with standards expected of financial service providers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: OH

Complaint narrative:
This complaint is regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the XXXX Department of Education ( DOE ) and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( XXXX ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. 

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : XXXX. My academic records and personally identifiable information ( PII ). 
XXXX. My XXXX XXXX for XXXX XXXX XXXX ( XXXX ) data, including financial aid history and loan information. XXXX. My IRS tax transcripts, which were obtained and used without proper authorization. 

These actions violate my rights under XXXX ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as XXXX XXXX of the XXXX XXXX XXXX, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards. 

This breach & manipulation of records is causing errors in my payment history. All of my student loan accounts with XXXX show late payments without notice or verification, in violation of 15 U.S.C. 1681s-2 ; I am requesting a Cease & Desist communications until an investigation is conducted & a BILLING ERROR RESOLUTION PROCESS is completed. 

This breach of privacy and inaccurate reporting has severely negatively affected my credit rating and cause me to be denied a business loan on XX/XX/year>.

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 2025-04-26 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: OH

Complaint narrative:
This complaint is regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the XXXX Department of Education ( DOE ) and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( XXXX ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. 

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : XXXX. My academic records and personally identifiable information ( PII ). 
XXXX. My XXXX XXXX for XXXX XXXX XXXX ( XXXX ) data, including financial aid history and loan information. XXXX. My IRS tax transcripts, which were obtained and used without proper authorization. 

These actions violate my rights under XXXX ( 20 U.S.C. 1232g ; 34 CFR Part XXXX ), which grants me the right to control access to my educational records, as well as XXXX XXXX of the XXXX XXXX XXXX, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards. 

This breach & manipulation of records is causing errors in my payment history. All of my student loan accounts with XXXX show late payments without notice or verification, in violation of 15 U.S.C. 1681s-2 ; I am requesting a Cease & Desist communications until an investigation is conducted & a BILLING ERROR RESOLUTION PROCESS is completed. 

This breach of privacy and inaccurate reporting has severely negatively affected my credit rating and cause me to be denied a business loan on XX/XX/year>.

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 2025-04-26 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: MN

Complaint narrative:
I am submitting this complaint to EXPERIAN regarding inaccurate information on my credit report that has not been validated, certified as accurate, or physically verified. 

I have identified potentially erroneous and questionable entries on my credit file that have not been properly verified. As a consumer, I am entitled to request the immediate removal of these entries in accordance with my federal and state consumer rights. This complaint also serves as a reminder to ensure that the items reported to you adhere to the requirements outlined in FACTA Title 1, Section 151, which specifies the procedures for handling such matters.

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 2025-04-26 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: MS

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX * *, has violated my rights. I looked at my Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
After reviewing my consumer report I noticed the following account reporting as debt. I am disputing owing any and all debt to your Company. I am also revoking all rights of communicating with me via email, text and calls. 

I am requesting you provide me with validation of this debt. I am requesting the purchase agreement between your Company and the original creditor. I am also requesting you furnish proof that you are licensed and bonded. 

Your Company has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ), but yet, you placed a co9llection on my consumer report. I was not given the chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Your Company is violating my rights by using false, misleading, misrepresentation and deceptive means.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
This bunch of crooks threw a collection account onto all three of my credit reports that is NOT mine, was NEVER VERIFIED by me, and which I will never pay!! I want it removed immediately from all three of my reports and corrected copies of all three reports mailed to me and I want the CFPB to enforce the FDCPA laws and fine them and shut them down!! I DO NOT want this complaint closed until all of this is done and I acknowledge my receipt of all three corrected credit reports!! I am also contacting my lawyer about it!! My reports are monitored by ID Alert at the cost of the government as I am a prior employee and my personal data was compromised during the OPM breach!! They contacted me about these accounts today, attached!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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:
[ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Debt Validation Pursuant to the FDCPA Dear XXXX XXXX XXXX Account # XXXX, in which you allege that I owe a debt. Please be advised that I am requesting that you provide validation of this debt, as is my right under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). 

Please provide the following information : The name and address of the original creditor. 
The amount of the alleged debt, including a breakdown of interest, fees, and any payments made. 
Copies of any documents that show I agreed to assume this debt. 
Proof that you are authorized to collect on this debt, including a copy of any agreement that authorizes your agency to collect. 
A copy of the judgment ( if applicable ). 
I request that all collection activity cease until this debt is properly validated. Please also be advised that any attempt to report this alleged debt to credit bureaus without providing validation is a violation of the FDCPA. 

This is a formal dispute of the alleged debt. Please note that I am keeping records of all communications regarding 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