vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-13 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: AZ

Complaint narrative:
Subject : Unauthorized Access to Student Loan Data Description of the issue : I am filing this complaint to report concerns regarding unauthorized access to student loan data. There are reports that XXXX XXXX or an entity associated with him has accessed student loan data without proper authorization. This raises significant privacy and security concerns, especially if borrowers personal and financial information was accessed without their knowledge or consent. 

Steps Taken : I have reviewed my student loan account and have not authorized any third-party access. 
I have not been notified by my loan servicer of any breach or unauthorized access, but I am concerned about potential data misuse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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 formally dispute several inaccurate accounts appearing on my consumer report. On or about XX/XX/year>, I obtained a copy of my Experian consumer file and identified multiple accounts that I did not authorize or open. 

I believe these fraudulent accounts are a result of identity theft, likely stemming from the XXXX data breach. As a victim of identity theft, I am requesting that you conduct an investigation and permanently remove these unauthorized accounts from my credit file under the Fair Credit Reporting Act ( FCRA ) 609 and 15 U.S.C. 1681c-2. 

The accounts in question are as follows : XXXX XXXX ( Account # XXXX ) Balance : {$2900.00} Status : Collection/Chargeoff XXXX XXXX ( Account # XXXX ) Balance : {$24.00} Status : Collection/Chargeoff XXXX  ( Account # XXXX ) Balance : {$220.00} Status : Late 150 Days XXXX XXXX  ( Account # XXXX ) Balance : {$9600.00} Status : Late 30 Days XXXX XXXX ( Account # XXXX ) Balance : {$0.00} Status : Closed/Paid Under 15 U.S.C. 1681c-2, you are required to block the reporting of any information resulting from identity theft once I provide proof of my identity and supporting documentation. Enclosed are the following documents to support my claim : 1. A copy of my government-issued ID ( e.g., driver 's license ) 2. A copy of my FTC Identity Theft Report 3. A copy of the police report filed regarding this matter I request that these fraudulent accounts be blocked, investigated, and permanently deleted from my credit file. Furthermore, I expect written confirmation once this action has been completed.

Please respond to this request within the legally required timeframe. If you have any questions or require additional information, you may contact me in writing at the address 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 2025-03-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX I received an alert that Capital One has pulled a hard inquiry on my credit report. I have not applied for any new credit cards recently and and have no plans to apply for any credit in the near future. This was done without my consent of acknowledgment and now I have a hard inquiry on my credit report. Im looking to have this information removed. This is not accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: UT

Complaint narrative:
AS PER THE GUIDANCE FROM THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) THE DOCUMNET NEEDED AND A LETTER FROM AN ADVOCACY GROUP HELPING ME DO TO HUMAN TRAFFICKING DEBT BONDAGE, WHICH FALLS UNDER TRAFFICKING ACCORDING TO TRAFFICKING-DEBT FINAL FRUL 100.142 ) B ) ( 4 ) -5 -- BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUISNESS DATS, PURSUANT TO SECTION 605C OF THE FAIR CREDITREPORTING ACT. I AM A VICTIM OF HUMAN TRACFICKING OF DEBT BONDAGE AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE CLOCKED AND DELETED COMPANY INFORMATIONTRANSUNION. PLEASD DELETE THE FOLLOWING ACCOUNTS. XXXX XXXX SYSTEM BALANCE {$17000.00}

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 2025-03-13 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To Whom It May Concern : I recently reviewed a copy of my Experian, XXXX and XXXX and I noticed some late payments on my credit report : Original Creditor : XXXX Account Number : XXXX Your company is in clear violation of the law. 

Under 15 USC 1681b- Permissible purpose of consumer reports, The Law CLEARLY STATES : ( a ) IN GENERAL. 
Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( a ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the late payments from my consumer report, this agency violates 15 USC 1681. 

I XXXX XXXX XXXX XXXX is giving your company 15 days to respond. If your company does not respond in 15 days, you are legally required under the FCRA to delete these late payments from my credit report. If not, I will take legal procedures against your company. 

1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 4. 1692g violations 5. Fair Credit Reporting Act 15 USC 1 6. 681 violations for willful noncompliance-6 7. 16. Civil liability for willful noncompliance ( 15 U.S.C 8. 1681n ) Best regards, 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 2025-03-13 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: NY

Complaint narrative:
To Whom It May Concern : I recently reviewed a copy of my XXXX, Transunion and XXXX and I noticed some late payments on my credit report : Original Creditor : XXXX Account Number : XXXX Your company is in clear violation of the law. 

Under 15 USC 1681b- Permissible purpose of consumer reports, The Law CLEARLY STATES : ( a ) IN GENERAL.

Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( a ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the late payments from my consumer report, this agency violates 15 USC 1681. 

I XXXX XXXX XXXX XXXX is giving your company 15 days to respond. If your company does not respond in 15 days, you are legally required under the FCRA to delete these late payments from my credit report. If not, I will take legal procedures against your company.

1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 4. 1692g violations 5. Fair Credit Reporting Act 15 USC 1 6. 681 violations for willful noncompliance-6 7. 16. Civil liability for willful noncompliance ( 15 U.S.C 8. 1681n ) Best regards, 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 2025-03-13 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: NY

Complaint narrative:
To Whom It May Concern : I recently reviewed a copy of my XXXX, XXXX and Equifax and I noticed some late payments on my credit report : Original Creditor : XXXX Account Number : XXXX Your company is in clear violation of the law. 

Under 15 USC 1681b- Permissible purpose of consumer reports, The Law CLEARLY STATES : ( a ) IN GENERAL.

Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( a ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the late payments from my consumer report, this agency violates 15 USC 1681. 

I XXXX XXXX XXXX XXXX is giving your company 15 days to respond. If your company does not respond in 15 days, you are legally required under the FCRA to delete these late payments from my credit report. If not, I will take legal procedures against your company. 

1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 4. 1692g violations 5. Fair Credit Reporting Act 15 USC 1 6. 681 violations for willful noncompliance-6 7. 16. Civil liability for willful noncompliance ( 15 U.S.C 8. 1681n ) Best regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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:
I am submitting a formal dispute under FCRA 605B ( 15 U.S.C. 1681c-2 ), requesting the immediate blocking and deletion of fraudulent accounts and inquiry on my credit report that have resulted from identity theft. These accounts, which I did not open, authorize, or initiate, include entries with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX These fraudulent items have appeared due to unauthorized activity and do not reflect my credit history or consent. As required by law, I request that all fraudulent accounts, inquiries, and collections be blocked and deleted from my credit file within four business days of receiving this dispute. Enclosed are supporting documents, including a copy of my government-issued ID, proof of residence, an FTC Identity Theft Criminal Complaint ( Case XXXX ), and my credit report highlighting the fraudulent entries. I also request written confirmation of the actions taken to address these fraudulent items. I appreciate your prompt attention to this matter and expect a response in compliance with the Fair Credit Reporting Act. If additional information is needed, I am available by email or phone.

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 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: MD

Complaint narrative:
I am writing to formally dispute the reporting of late payments on my credit file associated with my account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ). I request that these inaccurate records be corrected or deleted from my report.

Under Section 1681i of the FCRA, consumers have the right to dispute information they believe to be inaccurate or incomplete. Additionally, credit bureaus and furnishers are obligated to conduct a reasonable investigation into disputed items. I am asserting that the reported late payments are either inaccurately reflected or unverifiable under FCRA standards, thereby warranting immediate removal. 
I question the accuracy and integrity of these entries based on the XXXX. Failure to Provide Proof of XXXX XXXX : The FCRA mandates that furnishers of information ensure maximum possible accuracy. In this case, the evidence supporting these late payments has not been furnished, and 1 question whether the creditor has documentation to support these allegations. Please provide certified documentation validating the late payment entries as originally reported. Absent such documentation, these entries should be removed.

2.Potential Violation of Reasonable Investigation : The FCRA requires credit bureaus to perform a reasonable investigation when a consumer disputes an item. In the absence of verifiable proof from the creditor, any failure to conduct a thorough investigation into the accuracy of this information is a direct violation of my consumer rights.

3. Obligation to Ensure Maximum Possible Accuracy ( 15 US.C.

1681e ( b ) ) : This statute requires that credit reporting agencies follow procedures to ensure accuracy in reporting the reported late payments are damaging and do not reflect a verified record. Accordingly, I am requesting an immediate removal to prevent further harm to my creditworthiness.

Given the circumstances outlined, please initiate a prompt investigation, provide me with the results, and send documentation supporting the validity of the disputed entries. If the information can not be verified or substantiated in compliance with FCRA guidelines, I expect all disputed late payments to be promptly removed from my credit file.

I look forward to your written confirmation of the results of your investigation within the legally allotted timeframe. Failure to adequately address this matter may compel me to explore legal remedies to protect my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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:
I am a victim of a data breach. This is a request to block information resulting from identity theft. I have already notified your agency of this and still have information caused by identity theft on my credit report which is a clear violation of 15 U.S. Code 1681c2. This information is not information relating to any transaction by me. This request was not made by error. I did not obtain possession of goods, services, or money as a result of these transactions. Pursuant to 15 U.S. Code 1681c2 you must block these accounts, collections and hard inquiries from my credit report no later than four business days of receiving this complaint. I have attached a copy of my ID, social security card, proof of address, Identity Theft reports from the FTC, and court 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 non-monetary relief
Consumer complaint received 2025-03-13 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: TX

Complaint narrative:
Consumer Name XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN 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 credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collections account opened at XXXX XXXX  XXXX on XX/XX/XXXX under the account number XXXX, a collections account opened at XXXX  XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collections account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a collections account opened at XXXX XXXX  XXXX on XX/XX/XXXX under the account number XXXX, a collections account opened at XXXX XXXX  XXXX on XX/XX/XXXX 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. 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 # ( private case number ) 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 2025-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/year> around XXXX XXXX  I called Bank of America Home Loans with a question about my property taxes. 

The first representative left me on hold for 20 minutes. I called back in and got XXXX XXXX who did the same thing. 

On the 3rd call I got XXXX XXXX and I asked to speak to a supervisor. The supervisor XXXX XXXX tried to transfer me but since it was taking a long time he called me back with a representative. 

I spoke to someone named XXXX who said who could not authenticate the account because my cell number is not receiving text messages. I asked for a supervisor who then transferred me to someone named XXXX in Property Taxes. I waited on hold there about an hour. 

Now five phone calls in and three hours later I spoke to XXXX XXXX who told me I was in the wrong department but she would transfer me. 

After 4 hours now its XXXX I spoke to XXXX who said he couldnt authenticate me since the cell number is not receiving text messages. I asked for a supervisor. 

Now after taking to almost ten 10 people someone named XXXX  got in the line and said my only option was to go into the bank and provide two forms of id or CALL BACK In. This is not customer service. 

Horrible. Horrible.

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 2025-03-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Credit Card Opened by the Thief Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$120.00} Other Identity Theft Company or Organization : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$160.00}

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