vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Todd, Bremer & Lawson, Inc.
State: GA

Complaint narrative:
I began emailing XXXX XXXX University XX/XX/XXXX about an emergency that took place in my home with my XXXX XXXX. This emergency would come to effect my attendance and my ability to complete the necessary finals for that semester. I am an 100 % XXXX XXXX  that should not be coming out of pocket for educational purposes. After many failed attempts to get ahold of anyone in the administrative department at XXXX XXXX XXXX, I received notice on my credit report that a new balance was reported to collections under XXXX XXXX and XXXX. How this situation was handled was really unprofessional. The proper paper work was submitted to XXXX that would have allowed me to take a later final and not have this balance owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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 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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-05-22 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:
I am filing this complaint because Equifax is reporting a medical collection account under number XXXX XXXX XXXX without my authorization or consent. I never signed any agreement or gave permission for this account to be reported. I already disputed this before, and they claimed it was verified, but never provided any valid proof, contract, or documentation connecting me to this debt. * * This is a violation of my consumer rights under the FCRA, specifically Sections 623 and 605B. They are reporting information that is not verifiable and has caused me serious harm by lowering my credit score and affecting my ability to access credit. 

Today, XX/XX/year>2025, I filed a formal Identity Theft Report with the FTC due to the unauthorized use of my personal information. 

To support this complaint, I am attaching : A copy of my credit report A copy of my ID A recent utility bill as proof of address I request the immediate deletion of this account and a full investigation into how this unauthorized entry was allowed to be reported. I expect this matter to be resolved promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: EQUIFAX, INC.
State: LA

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 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXXXXXX XXXX 5. XXXX XXXX XXXX 6. XXXX  - XXXX 7. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: MA

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
Consumer complaint received 2025-05-22 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: CO

Complaint narrative:
I paid off my account with XXXX XXXX a few years ago and at the time, I requested both a payoff statement and a pay-for-delete agreement. I was never provided either. Despite the account being paid, the collection is still showing up on my credit report. This is inaccurate and should have been removed after payment. Im requesting that this account be updated to reflect the correct status and removed from my credit report.

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 2025-05-22 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: LA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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:
As a result of a data breach, my credit report now contains fraudulent accounts. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting they be blocked and removed within 4 days : 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX NJ XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$5900.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$820.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$750.00} XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5900.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00}

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 2025-05-22 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: NJ

Complaint narrative:
As a result of a data breach, my credit report now contains fraudulent accounts. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting they be blocked and removed within 4 days : 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX NJ XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$5900.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$820.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$750.00} XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5900.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

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 2025-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: CA

Complaint narrative:
XXXX XXXX/XXXX/2024 XXXX XXXX XXXX XXXX XX/XX/year>2024 XXXXXXXX XXXX/XXXX/2024

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: TX

Complaint narrative:
Equifax, transunion ans experian is reporting a closed account from XXXX XXXX Account # XXXX XXXX ) that contains late payments and inaccurate information. 

I previously disputed this account and was told it was verified, but equifax, experian and transunion failed to provide any documentation to support that claim. They never provided a signed contract, historical billing statements, or any proof that authorizes this account to be reported in that manner. 

I never gave consent for this information to be reported, and I did not sign any agreement allowing XXXX  or any data furnisher to continue reporting this closed account with negative payment history. 

This is a direct violation of the Fair Credit Reporting Act ( FCRA ), particularly Sections 623 and 609. Equifax had 30 days to investigate my original dispute and failed to do so properly. Now they continue reporting harmful and unverifiable information, which is impacting my creditworthiness.

I am requesting that the CFPB require Equifax, Experian and Transunion to immediately and permanently delete this inaccurate account from my credit report. I am also attaching my ID, utility bill, and the credit report showing the disputed entry.

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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint against Experian asking to provide an explanation regarding the recent decreased in my credit score. I understand the importance of maintaining good credit and would like clarity on the circumstances that led to the change. 

In XX/XX/XXXX I submitted a dispute ( RE : XXXX ) requesting to investigate one of the accounts forXX/XX/XXXX XXXX XXXX XXXX XXXX The account was not discharged in a bankruptcy. However, Experian has claimed to verify the information as accurate and this is not true. 

Account Issue : XXXX XXXX XXXX XXXX / Date opened : XX/XX/XXXX Response : The home was sold in XXXX and as you can see from payment history that payments stopped in XX/XX/XXXX as verified by the below check receipt. Therefore, how can this account be included in a bankruptcy in XXXX? The account should reflect Paid and closed. Below is a receipt from sale of home after XXXX XXXX XXXX XXXX was paid. 
( See document 2 attached ) Nothing in the dispute should have warranted a decrease in my credit score. I have taken steps to ensure my credit worthiness, including : Paying off or reducing outstanding balances.

Making consistent, on-time payments

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 2025-05-22 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:
My name is XXXX XXXX ( SSN : XXXX, DOB XXXX XX/XX/XXXX ), and I am a victim of identity theft. I am submitting this complaint to request that TransUnion, Experian, and Equifax in accordance with the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), block the fraudulent information on my credit report within four business days of receiving this request.

The following accounts were fraudulently opened in my name and do not belong to me : A XXXX XXXX XXXX XXXX opened on XX/XX/XXXX ( Acct. # XXXX ) An XXXXXXXX XXXX with XXXX XXXX XXXX opened on XX/XX/XXXX ( Acct. # XXXXXXXX XXXX XXXX ) A personal loan from XXXX XXXX opened on XX/XX/XXXX ( Acct. # XXXXXXXX XXXX XXXX  ) A collection account with XXXX XXXX opened on XX/XX/XXXX These accounts have also resulted in multiple unauthorized hard inquiries and collections on my FICO credit report. I do not recognize any of these accounts, inquiries, or collectionsthey were not opened or initiated by me and are all due to identity theft. 
I have included a list of the disputed hard inquiries and a copy of my FTC Identity Theft Report ( # XXXX ) as supporting documentation.

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 2025-05-22 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: FL

Complaint narrative:
My name is XXXX XXXX ( SSN : XXXX, DOB XXXX XX/XX/XXXX ), and I am a victim of identity theft. I am submitting this complaint to request that TransUnion, Experian, and Equifax in accordance with the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), block the fraudulent information on my credit report within four business days of receiving this request.

The following accounts were fraudulently opened in my name and do not belong to me : A XXXX XXXX XXXX XXXX opened on XX/XX/XXXX ( Acct. # XXXX ) An XXXXXXXX XXXX with XXXX XXXX XXXX opened on XX/XX/XXXX ( Acct. # XXXXXXXX XXXX XXXX ) A personal loan from XXXX XXXX opened on XX/XX/XXXX ( Acct. # XXXXXXXX XXXX XXXX  ) A collection account with XXXX XXXX opened on XX/XX/XXXX These accounts have also resulted in multiple unauthorized hard inquiries and collections on my FICO credit report. I do not recognize any of these accounts, inquiries, or collectionsthey were not opened or initiated by me and are all due to identity theft. 
I have included a list of the disputed hard inquiries and a copy of my FTC Identity Theft Report ( # XXXX ) as supporting documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sa-Vit Enterprises, Inc.
State: NJ

Complaint narrative:
I received a notice ( dated XX/XX/XXXX ) from Savit Collection Agency about a medical debt from XXXX XXXX XXXX ( It indicated a charge of {$210.00} and additional fee charged of {$50.00} ... total {$260.00} ) I called Savit and explained to the agent that i had not received any bills in the past year... 

The XXXX XXXX which is being referenced in the notice was held in XXXX and the notice was received 400 days later ( XX/XX/XXXX ) for outstanding debt. 

The agent also asked personal questions about how many colonscopies i have had ( which was not HIPAA compliant ) and i let the agent know i would be reporting this as violating of privacy I have asked the agent to mark my account as Disputed ... so they can not move forward with any collection efforts unless they can prove the validity of the debt and explain why i am receiving a notice 400 days after the preventive procedure was done

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
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 2025-05-22 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-22 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief