vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 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: PA

Complaint narrative:
Upon reviewing my credit report, I discovered several unauthorized hard inquires that I do not recognize. I contacted the credit bureaus to dispute these hard inquiries and requested their removal. Unfortunately, the credit bureaus refused to remove them off my report. This issue is causing undue stress and is negatively affecting my financial standing

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 2025-05-09 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: NV

Complaint narrative:
I am a victim of the equifax data breach. I reviewed my consumer report and there are accounts, inquiries, addresses that I do not recognize. This information is false. I want this information removed from my consumer reports. 

I have attached : ID Social Security Card Proof of Address Affidavit of Identity FTC Report Equifax Data Breach Confirmation Dispute Letter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: HI

Complaint narrative:
# XXXX To whom it may concern, Upon reviewing my credit reports from the three major credit bureaus, I noticed discrepancies concerning an account with XXXX XXXX ( Account # XXXX ). Specifically, the reports do not accurately reflect the fact that I settled this account and consistently maintained timely payments. 

I promptly paid off the balance upon receiving notice of the collection and have never missed a payment on this account. However, each credit bureau is reporting different and conflicting information, which raises concerns about the accuracy and reliability of the data being provided. 

As the credit reporting agencies have a legal responsibility to ensure the accuracy of the information they report, I respectfully request a formal investigation into this matter. If the bureaus or the furnisher of this data ( XXXX XXXX ) are unable to provide verified evidence of any late payments, I demand that the inaccurate information be corrected to reflect an on-time payment history. 

This situation appears to be a violation of the Fair Credit Reporting Act, specifically 15 U.S. Code 1681e, which requires reasonable procedures to assure maximum possible accuracy of the information. 

Thank you for your attention to this matter. I look forward to your prompt resolution of this issue.

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 2025-05-09 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MD

Complaint narrative:
Block Inc., as the payment processor for XXXX, is currently facilitating the monetization of hate and XXXX XXXX. Through its platform, an individual is being enabled to raise over {$750000.00} by promoting a narrative that dehumanizes a XXXX XXXX XXXX referring to him with a XXXXXXXX XXXX. This is not a matter of free expression ; it is the commodification of cruelty, and Block Inc. is profiting from it. We urge you to reconsider the ethical implications of continuing to support this campaign. Allowing your infrastructure to be weaponized in this way not only reflects poorly on your brandit undermines the social responsibility expected of institutions entrusted with public financial infrastructure. Do not allow hate to become a revenue stream. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: UT

Complaint narrative:
I called them in XXXX to find out options before my payments were due. They did not give me the option to delay payments due to being unemployed and unable to get my taxes for repayment options. They told me taxes were required and my husband I had just separated from was not allowing me access to my tax records. I found out later that tax records were not required but it was too late as they reported me late and my credit went from XXXX to XXXX in one month, doing much harm to me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The debt was resolved XX/XX/year> paid in full upon settlement agreement once paid in full was going to be deleted from my report Zeroed out balance now, and May it reappeared, like nothing was resolved

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 2025-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY

Complaint narrative:
I am requesting the immediate removal of a collection account from Fair Collections & Outsourcing ( originally from XXXX XXXX XXXX  ), which is being inaccurately reported to XXXX XXXX XXXX XXXX 

The balance began at {$1000.00}, was then increased to {$2000.00}, and later reduced to $ XXXXwithout any explanation, agreement, or supporting documentation. These inconsistent amounts reflect a lack of proper validation and violate the Fair Credit Reporting Act ( FCRA ), which requires accurate and verifiable information. 

In court, the original creditor testified that they did not want payment and attempted to return my check. I also issued a cease communication notice to the collector under the FDCPA and have a recording of the call. Despite these facts, the item continues to be reported across all three bureaus, and XXXX  has made it difficult to dispute the account again online. 

This debt is disputed, unverifiable, and inaccurately reported. I request that this account be immediately removed from all credit reporting agencies due to violations of the FCRA and FDCPA.

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 2025-05-09 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
Charge was made on card on XXXX XXXX posted on XXXX for XXXX, the charge was under the name XXXX XXXX XXXX and then changed to a diffrent name when posted. The charge was not me and is unauthorized and Amex told me 90 days for a dispute that I dont have time for. I had them file one but I cant not wait in the case they deny it I would be 90 days out with XXXX dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: PA

Complaint narrative:
In response to previous complaints below. I have issued for said items/accounts to be removed and blocked. Items/accounts were removed and blocked but this account ( s ) came back which is not mine. In addition, I uploaded documents to verify my identity again and FTC report from before. Please remove and block this fraudulent account per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. You have 4 days to remove and block said items/accounts. Also, as far as collections I would like to see the original contract and assignment contract of the account to clarify that is my debt. Also, I want to make sure that the collection agencies are licensed and bonded to collect debt in the state of Pennsylvania. 

Account XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: MI

Complaint narrative:
I am submitting this complaint to inform you that I have been a victim of identity theft. After conducting research on how to remove the fraudulent items from my credit report, I discovered that I need to file a report with the Federal Trade Commission, which can be done at XXXX. According to Section 605B of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to remove any items listed in an identity theft report.

Enclosed are the necessary documents to assist in the removal of the erroneous information currently appearing on my report. Below is a list of items that do not belong to me or were opened without my authorization As stipulated in FCRA Section 605B ( a ), credit reporting agencies are required to remove any information identified by the consumer as resulting from identity theft within four business days of receipt of this request. 
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$310.00} Collection : XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$950.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/year> Asset Amount : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: MI

Complaint narrative:
I am submitting this complaint to inform you that I have been a victim of identity theft. After conducting research on how to remove the fraudulent items from my credit report, I discovered that I need to file a report with the Federal Trade Commission, which can be done at XXXX. According to Section 605B of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to remove any items listed in an identity theft report.

Enclosed are the necessary documents to assist in the removal of the erroneous information currently appearing on my report. Below is a list of items that do not belong to me or were opened without my authorization As stipulated in FCRA Section 605B ( a ), credit reporting agencies are required to remove any information identified by the consumer as resulting from identity theft within four business days of receipt of this request. 
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$310.00} Collection : XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$950.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/year> Asset Amount : {$0.00}

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 non-monetary relief
Consumer complaint received 2025-05-09 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: NJ

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This informa

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
I have contacted XXXX XXXX XXXX  to update my profile and login information ( email ) as my old email was hacked. I reported and continuously try to reach out to company several times including sending emails with identity verification to XXXX since XX/XX/year>. Still no update and getting the run around to update email to correct email. This creates an issue because I'm not receiving updates to card if in use or monthly statements. I have done my part what else can I do. This is why ppl get in such situations like identity theft. Please help this company as this disaster escalated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: PA

Complaint narrative:
I am writing to formally express my serious concerns regarding multiple inaccuracies found on my credit report. After conducting a detailed review, I identified several discrepancies, including incorrect account entries, inaccurate reporting, inconsistent billing information, and accounts that are not mine. These errors are having a negative impact on my financial standing, and I am seeking your urgent assistance in resolving them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: MD

Complaint narrative:
I am writing to formally request the removal of fraudulent information from my credit file. I am a victim of identity theft, and there are multiple accounts and inquiries listed on my credit report that I did not authorize or apply for. These items are not accurate and do not belong to me. 

In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you block and remove the unauthorized accounts and inquiries from my credit report. Attached to this letter, you will find a list of the disputed items as well as a copy of my Identity Theft Report filed with the Federal Trade Commission. 

Please take the necessary steps to investigate and delete these items from my credit report as soon as possible. I appreciate your prompt attention to this matter and request written confirmation once the corrections have been made.

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 2025-05-09 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: MD

Complaint narrative:
Kindly delete these unauthorized accounts from my credit report, as I did not create them and was not informed of their presence. In compliance with USC 1681g, I expect their removal within 15 days. Please find the enclosed supporting documents.

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 2025-05-09 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: WI

Complaint narrative:
I submitted a certified dispute to the credit bureau regarding accounts that do not belong to me and requested full validation per XXXX XXXX XXXX ( a ) of the FCRA. I also requested proof of proper XXXX XXXX compliance and a certified copy of any signed agreement or mailed notification as required under FDCPA XXXX. To date, I have not received a response with documentation supporting the reporting of these accounts. The bureau either failed to investigate or verified unverifiable information without providing evidence, violating my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I submitted a certified dispute to the credit bureau regarding accounts that do not belong to me and requested full validation per XXXX XXXX XXXX ( a ) of the FCRA. I also requested proof of proper XXXX XXXX compliance and a certified copy of any signed agreement or mailed notification as required under FDCPA XXXX. To date, I have not received a response with documentation supporting the reporting of these accounts. The bureau either failed to investigate or verified unverifiable information without providing evidence, violating my consumer rights.

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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I am writing this complaint to request my consumer report. 

I want to ensure the information in my file is accurate and complete. I request that you promptly provide me with a complete consumer report. 

Please ensure that the information you are reporting is complete and accurate. If the information is not I request you verify and provide the source. If you do not this will escalate into a small claims suit. 

Thank you for your prompt attention to this issue. I look forward to your response and the resolution of this matter. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, OK XXXX Social Security Number : XXXX Date of birth XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Possible Financial Inc
State: LA

Complaint narrative:
Possible Financial is reporting a charge-off that is years old, with no recent updates or validation provided. Experian continues to report it despite lack of verification. 

This account is harming my credit due to age and lack of supporting documentation. If the furnisher can not prove the accuracy, I will take legal action under FCRA Section 611.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation