vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-20 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 formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including loansIappliedfor Inaccurate Name : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate Address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX APT XXXX XXXX, XXXX XXXX Charge Off XXXXP OF EDUC XXXX {$3600.00} Date Open : XX/XX/XXXX DP OF EDUC XXXX {$3100.00} Date Open : XX/XX/XXXX XXXX XXXX {$0.00} XXXX Open : XX/XX/XXXX DP OF EDUC XXXX {$2100.00} Date Open : XX/XX/XXXX DP OF EDUC XXXX {$2600.00} Date Open : XX/XX/XXXX DP OF EDUC XXXX {$5500.00} Date Open : XX/XX/XXXX DP OF EDUC XXXX {$3400.00} Date Open : XX/XX/XXXX DP OF EDUC XXXX {$1300.00} Date Open : XX/XX/XXXX DP OF EDUC XXXX {$3600.00} Date Open : XX/XX/XXXX DP OF EDUC XXXX {$4500.00} Date Open : XX/XX/XXXX DP OF EDUC XXXX {$3400.00} Date Open : XX/XX/XXXX XXXX XXXX Open : XX/XX/XXXX DP OF EDUC XXXX {$3800.00} Date Open : XX/XX/XXXX DP OF EDUC XXXX {$2200.00} Date Open : XX/XX/XXXX XXXX XXXX {$0.00} Date Open : XX/XX/XXXX XXXX XXXX {$0.00} Date Open : XX/XX/XXXX XXXX XXXX {$0.00} Date XXXX : XX/XX/XXXX XXXX XXXX {$0.00} Date Open : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} Date Open : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX {$410.00} Date Open : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$680.00} Date Open : XX/XX/XXXX ( Original Creditor : ) XXXX {$600.00} Date Open : XX/XX/XXXX Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-20 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-20 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
I have taken out 2 cases against Aldous & Associates, both have been closed with the company agreeing to cease contact with me from their offices. 

However a charge from the offices of XXXX XXXX  XXXX has caused my credit score to drop XXXX points in the last month. As stated in my previous claims, this company is involved in predatory debt collection and is seeking to extract money from me for services I never rendered. 

I am requesting the charge be removed and the company acknowledge I am in no financial obligation to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX Bank XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/2025 XXXX XXXX XXXX : Dispute Resolution Department [ XXXX XXXX XXXX ] [ XXXX, XXXX XXXXXXXX ] XXXX  Attn : Dispute Resolution Department [ XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Attn : Dispute Resolution Department [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX, XXXX XXXXXXXX ] Subject : Dispute of Closed Account and Inaccurate Payment HistoryDear Sir/Madam, I am writing to formally dispute the inaccurate reporting on my account [ Account Number ]. I have reviewed my account statement and noticed discrepancies regarding both the account status and the payment history. 
1. Account Status : According to my records, the account was closed on [ Date ]. However, it is still being reported as open or active, which is not the case. I request that you update the account status to reflect the accurate information that the account was closed as of [ Date ]. 
2. Inaccurate Payment History : I have also noticed several inaccuracies in the reported payment history on this account. Specifically, [ describe the specific errors or dates of inaccurate payments ]. These discrepancies do not align with my actual payment records. Please correct this inaccurate information to accurately reflect my payment history. 
I kindly request that you conduct a thorough investigation into these matters and provide me with a corrected statement or an update on the resolution. As this account and its history are affecting my credit report and financial standing, I would appreciate your prompt attention to this matter. 

Please confirm receipt of this letter and notify me of any additional documentation or information needed to facilitate the resolution. 

Thank you for your immediate attention to this dispute. I look forward to your timely response and a resolution to this issue. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX Bank XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/2025 XXXX XXXX XXXX : Dispute Resolution Department [ XXXX XXXX XXXX ] [ XXXX, XXXX XXXXXXXX ] XXXX  Attn : Dispute Resolution Department [ XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Attn : Dispute Resolution Department [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX, XXXX XXXXXXXX ] Subject : Dispute of Closed Account and Inaccurate Payment HistoryDear Sir/Madam, I am writing to formally dispute the inaccurate reporting on my account [ Account Number ]. I have reviewed my account statement and noticed discrepancies regarding both the account status and the payment history. 
1. Account Status : According to my records, the account was closed on [ Date ]. However, it is still being reported as open or active, which is not the case. I request that you update the account status to reflect the accurate information that the account was closed as of [ Date ]. 
2. Inaccurate Payment History : I have also noticed several inaccuracies in the reported payment history on this account. Specifically, [ describe the specific errors or dates of inaccurate payments ]. These discrepancies do not align with my actual payment records. Please correct this inaccurate information to accurately reflect my payment history. 
I kindly request that you conduct a thorough investigation into these matters and provide me with a corrected statement or an update on the resolution. As this account and its history are affecting my credit report and financial standing, I would appreciate your prompt attention to this matter. 

Please confirm receipt of this letter and notify me of any additional documentation or information needed to facilitate the resolution. 

Thank you for your immediate attention to this dispute. I look forward to your timely response and a resolution to this issue. 


Sincerely, 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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello, I just went through my consumer report and found some inquiries that I never authorized. It looks like the financial institutions listed below accessed my report without my permission, which isn't allowed under the Fair Credit Reporting Act ( FCRA ). According to 15 USC 1681, there are specific rules for when someone can pull my report, and this clearly doesn't meet those standards. This also violates the FCRA, [ 15 U.S.C. 1681b ( a ) 3 ( f ) ( i ) ].

I also spoke with a representative from transition to help me dispute these items on XX/XX/XXXX. I was told that my hard inquiries will be removed and I should hear back from someone within 5 business days and if I do not received communication on the further investigation to make sure I call back to check on the updated deleted disputed inquiries that should be completed by then. 

Unauthorized hard inquiries : XXXX ( XXXX  ) - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) - XX/XX/XXXX XXXX ( XXXX  ) - XX/XX/XXXX XXXX ( XXXX ) - XX/XX/XXXX XXXX ( XXXX ) - XX/XX/XXXX XXXX ( XXXX  ) - XX/XX/XXXX XXXX ( XXXX ) - XX/XX/XXXX XXXX XXXX ( XXXX ) - XX/XX/XXXX XXXX ( XXXX  ) - XX/XX/XXXX XXXX ( XXXX ) - XX/XX/XXXX XXXX XXXX ( XXXX ) - XX/XX/XXXX XXXX ( XXXX ) - XX/XX/XXXX XXXX ( XXXX  ) - XX/XX/XXXX According to 15 USC 1681b ( c ), consumer reporting agencies aren't allowed to share records of inquiries that aren't initiated by me, and this situation definitely falls under that.

Also, the CRA makes it clear that anyone who pulls information on a consumer under false pretenses can face serious legal consequences, including fines or even imprisonment ( 15 U.S.C.

1681n ( a ) ).

Please take action and remove these inquiries from my report immediately.

Thank you for your prompt attention to this matter. 

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 explanation
Consumer complaint received 2025-03-20 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: AL

Complaint narrative:
There were XXXX transactions, XXXX for {$400.00} on XX/XX/year>, XXXX for {$400.00} on XX/XX/year>, and XXXX transactions for {$1200.00} and {$800.00} on XX/XX/year> that were withdrawn from my bank account linked to cash app and transferred to people that are not known to me. I advised cash app that both my phone and other bank account had been hacked and that these were not transactions were not mine but they are never any help to those who are victimized on this platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit report contains incorrect personal information. I've included my documents to help you make the necessary updates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
hi, Experian is refusing to update my credit report this being an ongoing issue with them in regards to my XXXX XXXX XXXX XXXX.also XXXX XXXX stated they reported to Experian on XXXX XXXX,2025 but Experian is refusing to update and put it back on my report. 
I have written documents mailed to Experian and they still haven't change the report. And on top of that XXXX XXXX is refusing also to dispute it for me after they have digitally sent it to Experian. And i cant dispute the account because it not on the Experian report for me to dispute but it was on their in XXXX and XXXX 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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2025-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I am filing a complaint regarding the lack of consumer protection and safeguards associated with Zelle transactions. As a consumer, I was not provided with any disclosures or information about consumer protection before completing my transactions. There were no safeguards in place to ensure my security, and I was not informed of potential risks prior to making these payments. This lack of transparency and protection is concerning, and I expect proper measures to be implemented to prevent future issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: MD

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: OR

Complaint narrative:
Complaint Regarding Unauthorized Access to XXXX XXXX XXXX Data & Request for Loan Dismissal To Whom It May Concern, I am submitting this complaint to formally report a violation of my privacy rights related to my student loan data and to request an investigation into the unauthorized access of my records by XXXX XXXX through the Department of Education. Additionally, I seek assistance in reviewing the legitimacy and possible dismissal of my student loans due to this breach. 

1. Privacy Violation & Unauthorized Access I recently became aware that my personal and financial data, specifically related to my federal student loans, was accessed by XXXX XXXX in a manner that I believe was unauthorized and unlawful. If my student loan information was improperly shared or accessed without my consent, this constitutes a severe breach of privacy laws, including but not limited to : The Family Educational Rights and Privacy Act ( FERPA ), which protects student records, The Fair Credit Reporting Act ( FCRA ), if this access involved my credit history, and The Gramm-Leach-Bliley Act ( GLBA ), which governs financial privacy.

I am requesting a formal investigation into how my data was accessed, who authorized it, and what specific information was disclosed. This breach has caused me significant distress, and I demand corrective action.

2. Request for Student Loan Dismissal Due to this privacy violation and possible mishandling of my student loan records, I request : A full review of my student loan accounts under the Department of Educations jurisdiction to determine if any fraudulent access, unauthorized alterations, or mismanagement occurred.

A determination of eligibility for loan dismissal or discharge, as I believe this breach may qualify under mismanagement or unauthorized third-party access to federal student loan records.

A written response from the Department of Education or the loan servicer explaining why my information was accessible to unauthorized individuals and how they intend to rectify this situation.

3. Immediate Actions Requested I formally request the CFPB to : Investigate whether XXXX XXXX or any associated entity improperly accessed my student loan data. 

Determine if my student loan servicer, the Department of Education, or any affiliated agency violated federal privacy laws. 

Initiate a student loan review process to assess whether my loans should be dismissed or discharged due to this breach.

Provide a detailed response and any documentation confirming how my data was accessed and what steps will be taken to prevent further violations. 

I appreciate your prompt attention to this matter. Given the seriousness of this data breach and its impact on my financial standing, I request an expedited review and resolution. Please provide confirmation of receipt and updates on any investigative actions taken. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : Late Open XXXX XXXX {$330.00} Date Open : XXXX/XXXX/2024

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 2025-03-20 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
On or about XXXX XXXX2025 I called Experian Credit Bureau about inquiries on my current report that are fraudulently reporting false information on my credit report where there was no offer or transaction with such companies. I asked that these inquiries be removed immediately per FCRA 605B ( 15 U.S.C. 1681c-2 ) and 15 U.S.C. 1681b. Upon speaking with Max ID # XXXX he stated that until Experian receives documents from myself they will not be removing these inquiries from my credit report. The following inquiries are the ones in question : 1 ) XXXX XXXX XXXX XX/XX/scrub>/2025 2 ) XXXX XXXX XX/XX/scrub>/2025 3 ) XXXXXXXX XXXX  XX/XX/year>2025 4 ) XXXX XXXX XX/XX/scrub>/2025 5 ) XXXX XXXXXXXX XX/XX/year>2025 6 ) XXXX  XXXX XX/XX/scrub>/2025 7 ) XXXX XXXX XX/XX/scrub>/2025 8 ) XXXX XXXXXXXX XXXX  XX/XX/year>2025 9 ) XXXX XXXX XX/XX/year>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