vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-30 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX XXXX XXXX, Account name : XXXX XXXX XXXX  XXXX Account name : XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX, Account name : XXXX XXXXXXXX XXXX XXXXXXXX, Account XXXX : XXXXXXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX  has violated my rights.I looked at my EXPERIAN credit report on XX/XX/year> and noticed somethings are incomplete and not accurate, and according to the fair credit act whenever a consumer reporting agency prepares a consumer report it shall 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 the fair credit reporting act Whenever a consumer reporting agency prepares 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 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the 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 from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Community Health Investment Company, LLC.
State: AL

Complaint narrative:
I received a billing statement from a hospital XX/XX/XXXX ( statement dated XX/XX/XXXX ), for an incident that occurred on XX/XX/XXXX. This was the ONE AND ONLY statement I had received. I did not open the invoice fully but later saw that it was listed as " Final Notice ''. I am XXXX and had been dealing with those issues along with other illness and was XXXX  for the greater part of two weeks, barely able to care for myself. In this situation, the statement sat on my desk. Later in the month I filled out paperwork for financial assistance but had to collect more information to include with it. I received a letter from the collection 's agency early XXXX, stating that they had received it from the hospital on XX/XX/XXXX. Which is less than 30 days from the date on the statement. I responded stating that I am eligible for financial assistance, and it should be returned to the hospital. They arrogantly sent me a letter dated XX/XX/XXXX stating they were going to continue to pursue collections. On XX/XX/XXXX the hospital contacted me about my financial aid application and made payment arrangements with me through their business office. I have yet to receive a letter stating that it has been withdrawn nor an apology for sending me this arrogant letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report. Please dispute and remove listed fraudulent inquiry from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Care Credit sent a new card in the mail. It appeared to be a replacement for an expired card. I called to activate the new card. I was not told until after the card was activated that it was a new card. I did not want a new card. I went from having a standard care credit card to now a XXXX. I spoke with XXXX supervisors and was told by both that they could not reverse the activation. This was deceitful. I did not agree to a new credit card. I was not able to resolve this with the company.

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 2025-03-31 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 non-monetary relief
Consumer complaint received 2025-03-30 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: NY

Complaint narrative:
Please see supporting documentation pretending to XXXX data breach

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 2025-03-30 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:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiries on my credit report.Please dispute and remove listed fraudulent inquiries from my credit report XXXX XXXX XXXXXXXX ( XXXX ) XX/XX/scrub> 2025 XXXX XXXX XXXX XXXX XX/XX/scrub> 2025 2025

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 2025-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion has stated they've investigated my dispute XXXX  to the ownership of an account I would like to know as the XXXX XXXX XXXX, what methods did transunion take to confirm the validity of this account belongs to myself, who did they speak to, what time did they speak, what date did they speak, what information did they give you, also if there was any photo identification presented to you at this time please send it, I need a signed contract with my signature, date of last activity with this company, the obligation between myself and the company that allows them to collect debt, and also any transactions the company that binds me to an agreement to pay this alleged debt. Transunion is violating FCRA, they're not properly investigating my disputes they're confirming the account belongs to me without properly investigating which is a violation of the FCRA according to the FCRA everything on a consumer report must be accurate therefore I would like to know the methods they're taking to confirm this account belongs to me, im sure Transunion is aware of of the provisions of the Fair debt collection practices act ( FDCPA ) so let it be known im requesting full validation of this debt with this company 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 non-monetary relief
Consumer complaint received 2025-03-30 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
Dear [ CFPB I am writing to formally dispute inaccurate and/or unverifiable information on my credit report under my rights outlined in the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681 et seq. The item ( XXXX ) in question are as follows : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Phone number ( XXXX ) XXXX Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable investigation into any disputed item and correct or delete any information that is found to be inaccurate, incomplete, or unverifiable. Furthermore, 15 U.S.C. 1681c ( a ) mandates the timely removal of outdated or erroneous accounts. 

As a direct result of your negligence in maintaining accurate reporting, I have suffered financial harm, including denial of credit, auto loans, and higher interest rates, all of which are violations of my consumer rights. Under 15 U.S.C. 1681n and 15 U.S.C. 1681o, you may be held liable for willful and negligent noncompliance with the FCRA, including actual damages, statutory damages of up to {$1000.00} per violation, punitive damages, and attorneys fees. 

You have XXXX ( XXXX ) days from receipt of this letter to correct and remove the erroneous information from my credit report. If you fail to comply, I will have no choice but to escalate this matter through legal action to seek full compensation for the financial and emotional damages caused by your noncompliance. 

Please provide written confirmation once the disputed item ( XXXX ) have been removed or corrected. If you believe the information is accurate, provide documentation verifying its validity. Otherwise, failure to act will result in further legal consequences. 

This letter serves as a formal record of my request under the FCRA, and I expect immediate corrective action. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Dear [ CFPB I am writing to formally dispute inaccurate and/or unverifiable information on my credit report under my rights outlined in the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681 et seq. The item ( XXXX ) in question are as follows : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Phone number ( XXXX ) XXXX Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable investigation into any disputed item and correct or delete any information that is found to be inaccurate, incomplete, or unverifiable. Furthermore, 15 U.S.C. 1681c ( a ) mandates the timely removal of outdated or erroneous accounts. 

As a direct result of your negligence in maintaining accurate reporting, I have suffered financial harm, including denial of credit, auto loans, and higher interest rates, all of which are violations of my consumer rights. Under 15 U.S.C. 1681n and 15 U.S.C. 1681o, you may be held liable for willful and negligent noncompliance with the FCRA, including actual damages, statutory damages of up to {$1000.00} per violation, punitive damages, and attorneys fees. 

You have XXXX ( XXXX ) days from receipt of this letter to correct and remove the erroneous information from my credit report. If you fail to comply, I will have no choice but to escalate this matter through legal action to seek full compensation for the financial and emotional damages caused by your noncompliance. 

Please provide written confirmation once the disputed item ( XXXX ) have been removed or corrected. If you believe the information is accurate, provide documentation verifying its validity. Otherwise, failure to act will result in further legal consequences. 

This letter serves as a formal record of my request under the FCRA, and I expect immediate corrective action. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
this is not my account. I have no knowledge of this account. 15 USC 168 1b

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 2025-03-30 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
XX/XX/year>2024 - {$1500.00} ( # XXXX ) XX/XX/year>2024 - {$1500.00} ( # XXXX ) XX/XX/year>2024 - {$1200.00} ( # XXXX ) XX/XX/year>2024 - {$1200.00} ( # XXXX ) XX/XX/year>2024 - {$1200.00} ( # XXXX ) ( Recipient : XXXX XXXX for this series of XXXX ) XX/XX/year>2024 - {$630.00} ( # XXXX ) XX/XX/year>2024 - {$800.00} ( XXXX ) ( Recipient : XXXX XXXX for these XXXX ) XX/XX/year>2024 - {$490.00} ( XXXX ) XX/XX/year>2024 - {$720.00} ( XXXX ) ( Recipient : XXXX XXXX for these XXXX ) All above transactions are NON-AUTHORIZED by me , the owner of the account in question, and the owner of the financial institution used to illegally embezzle money from. I was a victim of theft and cashapp is treating me as if Im wanting the world, they have blocked all attempts of mine to aid in resolving the issue. Ive tried contacting multiple members of the support team and they either gave me very vague responses or forwarded my concerns to another team who never has made a legitimate effort in contacting me other to tell me sorry about your luck more or less.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Upon reviewing my credit file, I have found that my full name is being inaccurately linked to child support obligations that do not reflect the correct information or circumstances. This misreporting is negatively affecting my consumer credit profile and is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Specifically, the inaccurate reporting relates to child support obligations that I am either not responsible for or that have been misrepresented in a manner that does not align with the legal facts of my case. I believe that this is a direct violation of the law, as outlined in 15 U.S. Code 1692c, which prohibits reporting misleading, false, or inaccurate information to consumer reporting agencies.

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 2025-03-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: VA

Complaint narrative:
My student loans were forgiven under the public loan forgiveness program. I completed XXXX payments in XXXX of 2024 but had to continue paying Mohela until they received confirmation from DOE that my loans were forgiven. My loan forgiveness was not processed until XX/XX/scrub> 2024. Mohela 's records show that my loans have negative balances of XXXX and XXXX but I have not received a refund from Mohela in the almost five months since I confirmed my address for receipt of the refund check. Further, my student loans still show on my credit reports and Mohela continues to send me correspondence about my loans as if I was still in repayment. I don't think they are properly managing student loan accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
I do not understand the fees that I have been charged and I believe that they are fraudulent. I asked for the company to remove it from my credit and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: FL

Complaint narrative:
IT'S NOT MINE ACCOUNTS XXXX XXXX  {$14000.00} Opened XX/XX/scrub> 2025 ( 2 mo ) INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX, 2025 XXXX XXXX XX/XX/scrub>, 2025 XXXX XXXX XXXX XXXX, 2025 XXXX XXXX XXXX XX/XX/year>2025 XXXX XXXX XXXX  XX/XX/scrub> 2025 XXXX XXXX XXXX  XXXX XX/XX/scrub>, 2025 XXXX XXXX XXXX XX/XX/scrub>, 2025 XXXX XXXX XXXX XXXX, 2025 XXXX XXXX XXXX XXXX, 2025 XXXX XXXX XXXX, 2025 XXXX XXXX  XX/XX/scrub> 2025 2025

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: FL

Complaint narrative:
IT'S NOT MINE ACCOUNTS XXXX XXXX  {$14000.00} Opened XX/XX/scrub>, 2025 ( 2 mo ) INQUIRIES XXXX XXXX XXXX XXXX XX/XX/scrub> 2025 XXXX XXXX XX/XX/scrub> 2025 XXXX XXXX XXXX XXXX, 2025 XXXX XXXX XXXX XXXX XXXX, 2025 XXXX XXXX XXXX  XXXX XXXX, 2025 XXXX XXXX XXXX XXXX XX/XX/scrub>, 2025 XXXX XXXX XXXX XX/XX/year>2025 ALLY FINANCIAL XX/XX/scrub> 2025 XXXX XXXX XXXX XXXX, 2025 XXXX XX/XX/scrub>, 2025 XXXX XXXX  XX/XX/scrub>, 2025 2025

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation