vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 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 am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC XXXXb ( XXXX ) ). Pursuant to XXXX XXXX XXXX, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. XXXXb ( XXXX ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX OF XXXX Account # : XXXX XXXX. Reporting of Obsolete Information Violation of 15 USC XXXXc ( a ) ( XXXX ) Pursuant to 15 U.S.C. XXXXc ( a ) ( XXXX ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

XXXX. Right to Privacy Section XXXX ( A ) of the FCRA The FCRA, under Section XXXX ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly. 

XXXX. Inaccurate or Unverified Information 15 USC XXXX ( a ) ( XXXX ) Furthermore, under 15 U.S.C. XXXX ( a ) ( XXXX ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to XXXX ( a ) ( XXXX ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian- did not validate bankruptcy on my file. Sent certified letter

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 2025-06-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
To whom it may concern, Hello. My name is XXXX XXXX. I hold a student loan through AES under XXXX. My account number is XXXX. Through XXXX, I sent fraud paperwork their way 3 times and only once was this responded to. The response DID NOT include the opportunity to speak with anyone or further have the opportunity for further investigation. They did not provide a reason nor provide an opportunity to appeal. 

My fraud documents included a police report that proved this loan was taken out by a parent, who forged my signature. They included a detailed explanation regarding the fraud details, including how this was discovered and how I was falsely led to believe this was XXXX of my loans, when in fact, my parent used the loan to pay off their own debts and expenses. 

Over the last few years, I notifies AES of the following and have YET to have ANY ation on their end or work to resolve this. 
I am letting AES know I am pursuing this further with multiple agencies, as AES did NOT provide the following : 1. Access to the reasons why it was denied 2. AES Did NOT respond to 2 of my 3 requests ( only responded to my certified mail copy ) 3. AES Did NOT provide access to an individual to discuss this case with ( no direct connection to the fraud department via phone or email ) 4. AES did prevented further investigation and follow up for the consumer, who was fraudulently lead into paying and being responsible for this loan. 
5. AES did NOT honor the police report and detailed complaint regarding the fraudulent activity 6. AES DISMISSED my case and did not follow through 7. AES DOES NOT have the consumers best interest, safety and needs at heart I have tried to resolve this by paying off a reduced lump sum but XXXX refuses to speak with me nor approve a settlement. XXXX will not speak or directly communicate with me. 
I have tried to fight this for years and am in need of help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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 respectfully request the immediate removal of the inaccurate item from my credit report, as it does not pertain to me and is entirely incorrect.

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 2025-06-05 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 in response to the recent investigation. I do not agree with your findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditor that is reporting this information on my report and because of this I am now asking you for more information regarding these particular accounts in question : XXXXDOFED XXXX Balance : {$42000.00} XXXXDOFED XXXX Balance : {$7300.00} XXXXDOFED XXXX Balance : {$5500.00} XXXXDOFED XXXX Balance : {$4200.00} XXXXDOFEDXXXX Balance : {$3500.00} XXXXDOFED XXXX Balance : {$2400.00} XXXXDOFED XXXX Balance : {$2400.00} XXXXDOFED XXXX Balance : {$190.00} XXXXDOFED XXXX Balance : {$190.00} XXXXDOFEDXXXX Balance : {$42000.00} XXXXDOFEDXXXX Balance : {$4900.00} XXXXDOFED XXXX Balance : {$5500.00} XXXXDOFEDXXXX  Balance : {$4200.00} XXXXDOFED XXXX Balance : {$2400.00} XXXXXXXXDOFED XXXX Balance : {$2400.00} XXXXDOFED XXXX Balance : {$190.00} XXXXDOFED XXXX Balance : {$190.00}

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 2025-06-05 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: Self Financial Inc.
State: TX

Complaint narrative:
I am filing a complaint against XXXX XXXXXXXX XXXX, and Lead Bank for reporting unverifiable and derogatory accounts that likely originated from identity compromise resulting from confirmed data breaches. These accounts are damaging my credit while Im actively preparing to close on a mortgage by XX/XX/XXXX. 

I was affected by multiple verified data breaches prior to the appearance of these tradelines, including the XXXX breach and the XXXX data breach. My personal informationincluding my SSN, date of birth, and financial datawas exposed. As such, I dispute both the accuracy and legal ownership of any accounts opened using this compromised information. 

XXXX XXXX is reporting an account on XXXX that is an exact duplicate of a XXXX tradeline on XXXX. Both show the same open date, balance, and payment history. No notation of transfer or purchase exists, making the data misleading and unverifiable under FCRA 623 ( a ) ( 1 ), 623 ( a ) ( 5 ), and 611 ( a ). 

Lead Bank is reporting a closed account with a {$0.00} balance and four late payments in XXXX. I never signed any agreement or authorized any account with Lead Bank. Given that this account was opened after my identity was compromised in the above breaches, and no valid contract or notification of delinquency was ever provided, I dispute the entire tradeline as unauthorized and unverifiable under FCRA 611 ( a ). 

Equifax has failed to conduct a reasonable reinvestigation of either account and blocked dispute uploads at one point, which obstructs my legal right to submit evidence under the FCRA. 

I am requesting full deletion of both the XXXX  and Lead Bank accounts and a written response from XXXX. I am uploading supporting documentation, including screenshots and breach notifications, to validate my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
I've been making monthly payments to Milestone Card who now goes by the name of Concord Credi and it doesn't seem like my balance is going down. This is highway robbery.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint on behalf of XXXX XXXX regarding TransUnions reporting of inaccurate personal identifying information on my credit file.

Specific Issues : My TransUnion credit report reflects several variations of my name that I have never used or authorized.

It includes addresses that I have never lived at or been associated with.

There are multiple phone numbers listed that are not mine and have never been linked to me.

These inaccuracies not only create confusion but may also negatively impact my ability to secure housing, employment, or credit. This is a clear violation of TransUnions obligation to ensure the accuracy and integrity of consumer files. 

Legal Grounds : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), consumer reporting agencies like TransUnion are required to : follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

This duty is not limited to financial datait extends to all identifying information, including names, addresses, and telephone numbers. 

In XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ), the XXXX XXXX held that : The FCRA imposes a duty of accuracy on credit reporting agencies. When an agency prepares a credit report, it must follow reasonable procedures to assure maximum possible accuracy.

TransUnions failure to properly verify and maintain my correct identifying information is a direct violation of both 1681e ( b ) and the precedent set by federal courts such as in XXXX v. XXXX. 

My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX  GA, 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 2025-06-05 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:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US cXXXXe XXXX ( b ) and XXXXXXXX XXXX XXXX ( XXXX ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint against Equifax regarding multiple unverifiable and inaccurate negative accounts appearing on my credit report. Despite submitting formal disputes to Equifax under the Fair Credit Reporting Act ( FCRA ) Sections XXXX and XXXX, these items have not been properly investigated or removed. I have requested Equifax to verify and validate these derogatory entries ( including collections, charge-offs, and late payments ). Per FCRA XXXX, I am entitled to receive the original source and supporting documentation for each item, which Equifax has failed to provide. This violates my rights under federal law and constitutes unfair credit reporting practices. Additionally, I have an active fraud alert on my file, and I believe that some of the negative items may have resulted from identity theft or unauthorized use of my information. Under FCRA XXXX, these entries should be blocked from my credit report unless fully verified. I am requesting the CFPB to assist in enforcing compliance with the FCRA and compel Equifax to immediately remove all unverifiable, inaccurate, and potentially fraudulent items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MS

Complaint narrative:
I requested debt validation 60 days ago, as is my right under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). However, the company failed to provide a valid agreement. As I don't have an agreement with them, I'm disputing the debt. They didn't validate the account as requested.

Given their failure to validate, I request that they : - Cease all collection activities - Remove the debt from my credit report - Notify the credit bureaus to update my file accordingly I would appreciate it if you could take immediate action to resolve this matter. '' Let me know if you'd like me to add anything else!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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:
This letter serves as a formal demand for compliance with the Fair Credit Reporting Act ( FCRA ) regarding the handling of my credit report. I have requested the following accounts listed below to removed from my credit report due to identity theft. This is my several attempt to resolve this matter. The previous letters have come with zero compliance. Your failure to provide verifiable proof and your reliance on generic, non-substantive responses violate federal law and my consumer rights. I will not tolerate these deliberate evasions. 

Despite my repeated disputes, your agency has failed to provide legally required documentation proving the validity of the reported information. Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), upon receiving a dispute, you are legally required to conduct a meaningful investigation and provide substantive evidence verifying the accuracy of the disputed account. Your boilerplate responses do not meet this legal standard, and your continued negligence constitutes a blatant violation of federal law. 

Furthermore, under 15 U.S. Code 1681e ( b ), you are required to maintain maximum possible accuracy in consumer credit reports. Your continued reporting of unverified and inaccurate information, despite my multiple disputes, demonstrates reckless disregard for the law and my rights. 
You have 30 days from the date of this letter to provide the following : 1.Actual verification of the disputed accounts, including original documentation from the data furnisher proving the validity of the debtnot generic statements from the creditor or data furnisher. 
2.A detailed explanation of the investigation conducted, including the specific steps taken to verify the accuracy of the information. 
3.The names, contact information, and job titles of the individuals who handled my dispute. 
4.A statement confirming removal of any information that can not be fully verified as per 15 U.S. Code 1681i ( a ) ( 5 ). 

Failure to comply will result in immediate legal action. I am fully prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, I will explore all legal avenues, including but not limited to, filing a lawsuit for willful noncompliance under 15 U.S. Code 1681n, which entitles me to statutory damages, punitive damages, attorney fees, and costs. 

The following accounts do not belong to me, as they are fraudulent. The banks have agreed to remove these accounts from my records. Im confused why you still feel theyre reporting accurately. Please see these accounts are fully investigated and VERIFIABLE PROOF IS FORWARED TO ME. 

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 2025-06-05 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:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : DEPT OF EDXXXX # XXXX - Date Opened XX/XX/XXXX Account Name : DEPT OF EDXXXX # XXXX - Date Opened XX/XX/XXXX Account Name : DEPT OF EDXXXX # XXXX - Date Opened XX/XX/XXXX Account Name : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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:
This complaint serves as a formal follow-up to the complaint I submitted last month regarding the unauthorized and fraudulent use of my Social Security number and personal identifying information. This correspondence reiterates and reinforces my demand for the immediate removal of all accounts that were fraudulently opened in my name.

These accounts were not authorized, opened, or consented to by me and are not reflective of any legitimate financial activity. Their continued presence on my credit report is both inaccurate and damaging.

Legal Grounds for Immediate Deletion : Pursuant to the following federal laws and regulations, I demand the permanent deletion of all fraudulent data : 15 U.S. Code 1681c2 : I am exercising my right to request the removal of all information resulting from identity theft. You are obligated to comply with this request.

12 CFR Part 1022, Subpart H : You are legally required to delete fraudulent information from my credit file within four ( 4 ) business days of receiving notice.

15 U.S. Code 1681a ( 2 ) ( B ) : Any credit transaction involving the unauthorized use of a Social Security number must be excluded from any consumer report.

15 U.S. Code 1692j : Misrepresenting a debt or furnishing deceptive forms is a direct violation of federal law.

Demand for Immediate Action : Let me be absolutely clear : These accounts are fraudulent.

Your continued reporting of them is reckless and potentially unlawful.

I demand that all fraudulent accounts and inquiries be deleted from my credit file immediately.

Any collection efforts tied to these accounts must cease and desist without delay.

BELOW ARE THE ITEMS THAT NEEDS TO BE REMOVE ASAP : 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 2025-06-05 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: NJ

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXate Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : US DEPT ED # XXXX * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/year> I sent {$4000.00} to my wife through cash app from my XXXX XXXX account. It turned out she didn't need it anymore and returned it right away through cash app back to my XXXX XXXX account. It says on the app money has been refunded back to my account. Called cash app to verify and was told the money would drop in my bank account in 2 to 3 business days. 10 business days passed, called cash app they said i should call my bank. Called XXXX XXXX, they said cash app never refunded the money back into my account. It's been 3 months now going back and forth begging cash app to refund me back my money. {$4000.00} is a lot to let go. XXXX XXXX advised i should take legal actionwith cash app. I didn't know cash app could do a thing like this. I'm extremely devastated. I need help getting my money back.

Company response to consumer: Closed with explanation