vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 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: TX

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 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. 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 XXXXXXXX XXXX XXXX, TX XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$19000.00} INQUIRIES : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX 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 2025-06-17 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: FL

Complaint narrative:
This letter serves as a formal legal dispute and demand for deletion of all XXXX XXXX accounts currently being reported on my credit file. These accounts stem from educational records protected by the Family Educational Rights and Privacy Act ( FERPA ), 20 U.S.C. 1232g, and their disclosure without my direct, written, and informed consent is a violation of federal law.

FERPA strictly prohibits the unauthorized release of any personally identifiable information from educational recordsincluding XXXX XXXX loan disbursements, and loan balanceswithout the students written permission. You have not received such permission from me, and no such consent exists. Therefore, your furnishing and publishing of this data is unauthorized, unlawful, and actionable. 

Additionally, under the Fair Credit Reporting Act ( FCRA ) : FCRA 1681s-2 ( a ) : Data furnishers must ensure all information is accurate and lawfully sourced. If the information is derived from FERPA-protected records without a signed release, its publication is unlawful.

FCRA 1681b : Consumer reports must only be furnished with a permissible purpose AND with the consumers permission where required.

FCRA 1681e ( b ) : Credit reporting agencies must ensure maximum possible accuracy of all data published. Reporting education-based loan data without clear legal standing fails this standard.

FCRA 1681n & 1681o : Willful or negligent noncompliance with FCRA requirements is grounds for civil litigation and statutory damages of {$1000.00} per violation, plus attorney fees.

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 2025-06-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Advance America, Cash Advance Centers, Inc.
State: TN

Complaint narrative:
I was told that I had requested a loan for {$1000.00}. The only way I found out was the company called me on my phone because they were needing payment. I told them I didn't file for a loan. The incident was supposed to have happened on XX/XX/year>2025. The collection agency was the ones that got in touch with me. The claim number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I contacted the company via email to request debt validation for accounts they are attempting to collect and reporting to the credit bureaus. While they did respond and confirm that they located the accounts I referenced, they did not provide any proper validation or verification of the debt, as required by the Fair Debt Collection Practices Act ( FDCPA ). 

Specifically, they did not provide : Proof that the debt is mine or that I am legally responsible for it A breakdown of the total amount owed The name of the original creditor Any signed agreement or documentation supporting their claim Verification that they are legally authorized to collect the debt Despite this, the company continues to report the debt to the credit bureaus, which is a violation of both the FDCPA and the Fair Credit Reporting Act ( FCRA ). I am requesting that this debt be removed from my credit report until it is properly validated, and that this matter be investigated and addressed by the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I purchased electronic tickets to the XXXX XXXX on XXXX25 using my capital one checking card over the phone. I never received a product and these are use anytime electronic tickets. I called the XXXX  XXXX and spoke to the program manager who could not say where the tickets were emailed. Advised my email and Program manager XXXX said i have to charge this back. Its a XXXX  XXXX  policy to never return money, rather use the cc charge back process. This was initiated withing 24 hours and i submitted additional requested supporting information via email on XXXX25 and claim to capital one. I called back once a week for about 8 weeks and was then told this was decisioned against me because i never submitted the supporting information. Advised Capital One i did, have the email receipt and re forwarded the same information. Capital One agent again with same time stamp, same email. Calling again today, capital one can not provide any update, progress or action taken to resolve this dispute. Advised Capital One, refund the money or provide a product.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX, XXXX Social Security : XXXX, XXXX this complaint has been filed to request pursuant to FCRA & 605B ( 15 U.S.C & 1681 C-2 ) that you EQUIFAX credit report agency, block information appearing on my consumer credit report that is the resulted of identify theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a mortgage loan or so related with XXXX OPENED ON XX/XX/XXXX, A PERSONAL CREDIT CARD XXXX  OPENED ON XX/XX/XXXX, and XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX OPENED ON XX/XX/XXXX, XXXX XXXX XXXX XXXX opened on XX/XX/XXXX AND XXXX XXXX OPENED ON XX/XX/XXXX. These accounts have resulted in Several fraudulent hard inquiries and fraudulent items appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, and hard inquiries appearing on my consumer report maintained by you were not opened, made, or initiated by me. I have attached a copy of FCT IDENTITY theft Criminal Complaint # XXXX and fraud as proof from the XXXX FEDERAL COMMISION that all of the aforementioned consumer credit report accounts, collections, and hard inquiries are the resulted of Identity theft and Fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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 reviewed my credit report, and I formally disputed the fraudulent accounts that have appeared on my credit report. They do not relate to any transaction that I have made and after careful review, I determined those accounts are a result of identity theft. I took all necessary steps to dispute the items, but they are still being reported. I am attaching a report I sent to the bureaus and the FTC report that includes accounts. May you please investigate this matter/

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 2025-06-17 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: CT

Complaint narrative:
FTC report filed for a data breach under 15 USC 1681 trying to restore credit

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 2025-06-17 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: CT

Complaint narrative:
FTC report filed for a data breach under 15 USC 1681 trying to restore credit

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 2025-06-17 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: FL

Complaint narrative:
I've recently received a copy of my credit report and noticed inaccurate hard credit inquiry and unauthorized accounts information reporting to my credit report. These remarks have been detrimental to my life and credit health.

In accordance to the fair credit reporting act. Whenever a consumer reporting agency prepares a 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 % they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general, after any any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of 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, as appropriate, based on the results of the reinvestigation ; ( ii ) promptly notify the furnisher of that information that the information has been deleted from the file of the consumer.

Delete following hard inquiries inaccurately reporting which violates my rights 15 USC 1681 : 605B It is illegal to report anything on my credit without my permission please remove hard inquires. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
YOU ARE HEREBY PUT ON NOTICE : You have 30 days from receipt of this letter to complete lawful investigation. 
If this account is not 100 % verifiable, or no documents with my bearing my wet signature is produce the account must be deleted.

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 2025-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: OCEANFIRST FINANCIAL CORP.
State: PA

Complaint narrative:
I was banking with XXXX XXXX XXXX  in New Jersey XXXX unfortunately my account went overdraft due to some financial difficulties and lost of job this overdraft is killing me to open another account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-06-17 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: FL

Complaint narrative:
I have reviewed my credit report, and I have formally disputed fraudulent accounts that have appeared on my credit report. They are all a result of identity theft. I have taken the necessary steps to address this issue and filed an FTC report. I am including the letter and report that includes the accounts and account numbers. The credit reporting issues has not removed the items, and I am requesting an investigation to get these items removed permanently.

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 2025-06-17 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: PA

Complaint narrative:
Please remove the following items from my credit report : - ADDRESSES : - XXXX XXXX XXXX XXXXXXXX PA XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX INQUIRIES : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  LATE PAYMENTS : - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I had not checked my credit report in a long time. I went to the bank and was informed of these items. I don't know who could have done this. This is identity theft and a nightmare.

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 2025-06-17 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: PA

Complaint narrative:
Please remove the following items from my credit report : - ADDRESSES : - XXXX XXXX XXXX XXXXXXXX PA XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX INQUIRIES : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  LATE PAYMENTS : - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I had not checked my credit report in a long time. I went to the bank and was informed of these items. I don't know who could have done this. This is identity theft and a nightmare.

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 2025-06-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 1. 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 2025-06-17 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 blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXXXXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX  XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: IN

Complaint narrative:
XXXX  of dollars was coming missing for weeks even with the account being locked and closed they was able to withdraw from my actual bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
An account was closed without giving me a reason. I suspect discrimination due to my service-connected veteran XXXX or my XXXX background.

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 2025-06-17 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: NV

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-17 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: NV

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXXB ( XXXX U.S.C. 
XXXXc-2 ) that you, the XXXX XXXX XXXX XXXX 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 : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in XXXX USC XXXXb. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation