vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Clasp Group, Inc.
State: AL

Complaint narrative:
XXXX XXXX has a vocation program with tuition and fees that supposed to train prospective career protected programs for XXXX  related fields like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, etc. 

In order to fund the program, one can pay cash, check, money or finance via ISA agreement or traditional Student Loan. 

The ISA or Income Share Agreement seemed like the most logical route despite it could cost up to 1.5x the cost of the program. 
( {$14000.00} tuition ( and ISA max repayment, {$22000.00} over $ XXXX min ) Payment terms was supposed to be 10 % of income over $ XXXX. However, no where in the original terms of agreement did it specify that the debt would be sent into debt collections. They didnt very income prior to proceeding to sell the debt to third party debt collection agency, presumably, but without proper actual proof of income verification, they proceed to collect from older sibling and mother without my expressed consent or knowledge. It was until the amount of {$19000.00} and {$3000.00} remaining with monthly payments ranging from $ XXXX $ XXXX for 2-3 years I never once received a paper copy nor did I recall receiving any electronic communications or phone calls either. I was expecting a paper statement in the mail. In either case, they presumed I was earning {$95000.00} and proceeded to collect on debt 10 % of approximately $ XXXX which could have been used to pay more pressing or high interest debt like credits and Federal student loans were in Adminstrarive Forbearance during Covid-19. 

So with What is the presumption that they adverse report? no payment for credit bureau record. Other student loan debt Falsely advertised the employment statistics like within 6 months of graduating 95 % of grades go on to earn $ XXXX annually in XXXX XXXX XXXX Misrepresented the nature by which they would collect the debt. If for any reason one wouldnt be able to make a payment, ( income was insufficient to do so ) then {$0.00} would be due. As should have been the case since XX/XX/year>. Yeah, even now, it would be {$0.00}. But Im wondering what types of legal equitable remedy would be appropriate or even possible given the aforementioned circumstances and situation. I would be to happy provide any additional details as necessary to assist with handle the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX  XXXX GA XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$2100.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$2400.00} INQUIRIES : XXXX XXXX XXXX Date : 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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX is reporting on my credit report. This account has been settled with the original creditor and no debt is owed to this third party company. I never signed any agreement with this agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: 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 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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
On XX/XX/year> me and my husband went into the XXXX XXXX XXXX store to find a dining room set. We selected one and got approved for financing with XXXX, their finance company. We set up delivery for the next day. The following day, two of their employees ( non-english speaking ) came to our home to deliver the dining room set ( table and 4 chairs ). While they were setting up the table, we noticed there was damage to the table on the top and called the store and told them that there was damage and t hat we no longer want the set. We spoke to the office manager and the store manager. They were both very rude and mad because we told them we no longer wanted the set. They said that they could order another one and we said no because of the treatment we received. They tried to leave the chairs behind and have another table delivered in the future. We told them no we are no longer interested in doing business with this company that is just how bad we got treated. We told them we want to cancel the contract. We knew the box that the table came in had been at another customers location and resealed back into the box it came in because we watched them open the box and saw that this was not new furniture.They yelled at us that we can not cancel the order/contract and that there would be no refund of our down payment of {$1.00} ( I guess they didn't realize what amount we were required to put down at the store ). The next day while we were out, we were told that there was a XXXX XXXX XXXX store truck in our driveway. I called the store again and told them again, we want to cancel the order and that we no longer wanted the dining room set. I also texted XXXX-their finance company and spoke with someone over the phone that same day telling them what happened and that we never received or signed for any furniture and that we would like to cancel. They said ok. Since then, they have tried to continuously charge our bank account ( which we had to close ) and have been receiving calls and messages from XXXX. I filed a complaint with the XXXX  and they would not respond to them. I tried to call XXXX and my phone number was not on their customer list so I could not speak with anyone but they called excessively. They have put this complete lie on my credit report with all three bureaus. Again, we have never signed for any delivery or received any furniture from them.

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 2025-07-08 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: NV

Complaint narrative:
On XX/XX/year> me and my husband went into the XXXX XXXX XXXX store to find a dining room set. We selected one and got approved for financing with XXXX, their finance company. We set up delivery for the next day. The following day, two of their employees ( non-english speaking ) came to our home to deliver the dining room set ( table and 4 chairs ). While they were setting up the table, we noticed there was damage to the table on the top and called the store and told them that there was damage and t hat we no longer want the set. We spoke to the office manager and the store manager. They were both very rude and mad because we told them we no longer wanted the set. They said that they could order another one and we said no because of the treatment we received. They tried to leave the chairs behind and have another table delivered in the future. We told them no we are no longer interested in doing business with this company that is just how bad we got treated. We told them we want to cancel the contract. We knew the box that the table came in had been at another customers location and resealed back into the box it came in because we watched them open the box and saw that this was not new furniture.They yelled at us that we can not cancel the order/contract and that there would be no refund of our down payment of {$1.00} ( I guess they didn't realize what amount we were required to put down at the store ). The next day while we were out, we were told that there was a XXXX XXXX XXXX store truck in our driveway. I called the store again and told them again, we want to cancel the order and that we no longer wanted the dining room set. I also texted XXXX-their finance company and spoke with someone over the phone that same day telling them what happened and that we never received or signed for any furniture and that we would like to cancel. They said ok. Since then, they have tried to continuously charge our bank account ( which we had to close ) and have been receiving calls and messages from XXXX. I filed a complaint with the XXXX  and they would not respond to them. I tried to call XXXX and my phone number was not on their customer list so I could not speak with anyone but they called excessively. They have put this complete lie on my credit report with all three bureaus. Again, we have never signed for any delivery or received any furniture from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5300.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$490.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX XXXX Date : 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
Consumer complaint received 2025-07-08 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-08 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:
This CFPB complaint h

as been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$19000.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$450.00}

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 2025-07-08 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: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to identity theft, as authorized by 15 U.S.C 1681 c-2 ( a ). I became aware of breach of my personal information through the Equifax Data breach, which has exposed my sensitive data unauthorized individuals. The following fraudulent accounts and inquiries have been identified as a result of this breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX La XXXX XXXX XXXX Subject : Request to Block Fraudulent Information Under 15 U.S.C. 1681c2 ( FCRA ) To Whom It May Concern, I am writing to formally request that you block certain information on my credit report that is the result of identity theft, in accordance with 15 U.S. Code 1681c2 of the Fair Credit Reporting Act ( FCRA ).

I have identified the following fraudulent item ( s ) on my credit report : - Creditor Name-XXXX XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/year> - Reason : I did not authorize or open this account. I believe it was opened fraudulently in my name which also has discrepancies in balance and late payment history with each bureau.

Enclosed with this letter, I am providing the required documentation : 1. A copy of my government-issued photo ID ( proof of identity ).

2. A copy of a recent utility bill or bank statement ( proof of address ).

3. A copy of my police report or FTC Identity Theft Report.

4. A signed statement declaring that I did not initiate or authorize the listed transaction ( s ) and that they are the result of identity theft.

Please initiate a block on the above-mentioned fraudulent information within the 4 business days required by law and confirm in writing once the block is in place.

If you need additional information, feel free to contact me at the number or email above. 

Sincerely, XXXX XXXX Enclosures : - Copy of ID - Proof of address - Police/FTC Identity Theft Report - Written statement of fraud - Screenshots of inaccuracy

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: Early Warning Services, LLC
State: CA

Complaint narrative:
I have reached out to the company multiple times, and they fail to comply with the laws as well as providing information. I have sent back a letter saying Dear XXXX XXXX, Thank you for contacting Early Warning. We are committed to providing a convenient and positive consumer experience throughout this process. 
Early Warning is in receipt of your dispute dated XX/XX/year>. 
Results : Upon review, it has been determined that your dispute does not offer any new or additional information from your previous dispute ( s ) received on XX/XX/year>. 


They are breaking the law with not providing information from the company after I stated that they must provide the information And theyre telling me that theres no additional information that I added

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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:
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 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 2025-07-08 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:
I am the victim of identity theft and submitted a formal fraud block request to TransUnion in XX/XX/XXXX, along with a certified police report ( Report # XXXX from the XXXX XXXX XXXX Sheriff 's Office, filed on XX/XX/XXXX ). The report lists over ten unauthorized accounts that were fraudulently opened in my name, including accounts from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and others. 

Under the Fair Credit Reporting Act ( FCRA ) 605B, TransUnion is required to block these accounts within four business days of receiving a valid identity theft report. Despite submitting this report and supporting documentation, TransUnion issued a denial letter dated XX/XX/XXXX, falsely stating that my police report did not qualify. Their response did not explain how it failed to meet the legal definition and ignored its detailed content, which included specific account numbers and my willingness to prosecute. 

I also requested all documentation used to verify these accounts and support their decision to deny my fraud block request. To date, TransUnion has not provided any verification documents or explained the basis of their investigation, violating FCRA 609 ( a ) ( 1 ) ( A ) and 611. 

TransUnions failure to block the fraudulent accounts, misrepresentation of my valid police report, and refusal to provide supporting records constitute willful noncompliance with federal law. I am requesting immediate action to ensure these fraudulent accounts are permanently removed and that TransUnion complies with all applicable FCRA obligations.

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