vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX, XXXX XXXX CT XXXX GA XXXX, XXXX, XX/XX/XXXX, I am submitting this complaint to the Consumer Financial Protection Bureau XXXX CFPB ) regarding EXPERIAN XXXX specifically in relation to the recent data breach that has compromised the personal information of countless consumers, including myself. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I request the removal of fraudulent information from my credit report that has resulted from identity theft and fraud. Experian is legally required to complete this action within four business days of receiving this complaint. *Fraudulent Accounts to be Removed : XXXX XXXX XXXX XXXXXXXX XXXX XXXX account # : XXXX {$13.00} XXXX XXXX XXXX XXXX acc # : XXXX {$430.00} XX/XX/XXXX XXXX XXXX  acc # XXXX {$600.00} XXXX XXXX * XXXX XXXX XXXX acc # : XXXX {$430.00} XX/XX/XXXX * XXXX XXXX XXXX acc # XXXX {$330.00} XX/XX/XXXX * XXXX XXXX acc # XXXX {$620.00} XX/XX/XXXX * XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX The accounts listed above are fraudulent and have led to numerous unauthorizedhard inquiries and derogatory collections appearing on my FICO credit report. These entries areunequivocally tied to identity theft and are negatively impacting my credit standing. To substantiatemy claim, I have enclosed documentation of my FTC Identity Theft Complaints ( XXXX ), which serves as compelling evidence that these accounts, inquiries, and collections are the result of identity theft and fraud. The negligence of XXXX in safeguardingconsumer data has enabled identity thieves to exploit my personal information. I expect immediateaction to rectify this matter, with acknowledgment of receipt of this complaint and confirmation of thesteps being taken to remove the fraudulent information. Failure to comply with this legal obligationwill compel me to take further action, including escalation to the CFPB, Federal Trade Commission, and legal avenues available to protect my rights as a consumer. Thank you for your attention to thisurgent matter. 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 2025-03-23 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute CenteXXXX XXXX XXXX XXXXXXXX XXXX, XXXX, PA XXXX Subject : Dispute of Unauthorized Inquiries And Accounts on Credit Report To Whom It May Concern, I am writing to dispute unauthorized inquiries and accounts on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am requesting an investigation into these inquiries and their removal if they can not be verified as authorized by me.

The following inquiries on my credit report are unauthorized : Creditor/Company Name : XXXX XXXX I ( Auto ) Date of Inquiry : XX/XX/XXXX Creditor/Company Name : XXXX  ( Finance ) Date of Inquiry : XX/XX/XXXX Creditor/Company Name : XXXX XXXX Amount : {$950.00} Date Account Opened : XXXX XXXX, XXXX Creditor/Company Name : XXXX  XXXX  Amount : {$970.00} Date Account Opened : XX/XX/XXXX Creditor/Company Name : XXXX XXXX  Amount : {$420.00} Date Account Opened : XX/XX/XXXX REASON FOR DISPUTES I have not authorized these inquiries and accounts, and they may be the result of fraudulent activity. Please investigate this matter and remove these inquiries and accounts from my credit report.

Additionally, under the FCRA, you are required to notify the furnisher of the disputed information ( e.g., the creditor ) of my dispute and provide them with all relevant documentation I have submitted.

Please send me written confirmation of the resolution of this dispute and a corrected copy of my credit report. If the disputed inquiries and accounts are found to be unauthorized or innacurate, you must delete them promptly. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-03-23 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:
Ive contacted experian, transunion and Equifax about these TWO accounts for over 6 months will no help, no real responses and no accurate information. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ), and they have no be honest or helpful. This affects my life and mental health Account XXXX XXXX Account XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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:
Ive contacted experian, transunion and Equifax about these TWO accounts for over 6 months will no help, no real responses and no accurate information. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ), and they have no be honest or helpful. This affects my life and mental health Account XXXX XXXX Account 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 2025-03-23 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: VA

Complaint narrative:
Account was sold to collection agency and XXXX XXXX is reporting my old accounts as closed but with a status of open and charged off and with a balance

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 2025-03-23 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: VA

Complaint narrative:
Account was sold to collection agency and XXXX XXXX is reporting my old accounts as closed but with a status of open and charged off and with a balance

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 2025-03-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: P&B Capital Group, LLC
State: FL

Complaint narrative:
The company is lying about the date the account opened. The collection agency took this account and is the 3rd - THIRD collection company since XXXX to buy the account. 
I disputed this on XXXX and they again lied that it is a new collection opened in XXXX, which is an out right lie and fraudulent reporting and they know it. 

I want the account information corrected immediately, this is knowingly, intentionally and willingly reporting FALSE data as a tactic to collect. This is XXXX and it must be addressed. 

Report Created On : XX/XX/XXXX File Identification Number : XXXX Provided by XXXX XXXX Relations Account Number XXXX Name P & B CAPITAL GROUP LLC 4XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type open Loan Type COLLECTION AGENCY/ATTORNEY Balance {$1100.00} Original Amount {$1100.00} Original Creditor XXXXXXXX XXXX  ( Retail )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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 XX/XX/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 non-monetary relief
Consumer complaint received 2025-03-23 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: CT

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, TransUnion credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I am ling this FTC Identity Theft Adavit to report XXXX separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of credit card account opened at XXXX  XXXX on XX/XX/XXXX, Acct # XXXX, a credit card account opened at XXXX  XXXX XXXX, Acct # XXXX, a credit card account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Acct # XXXX, and a credit card account opened at XXXX  XXXX on XX/XX/XXXX, Acct # XXXX. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

All of the accounts above, collections, late payments, charge-offs, and hard inquiries result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX, as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, late payments, charge-offs, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-03-23 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: GA

Complaint narrative:
Subject : Dispute Related to Social Security Breach Dear XXXX, I am writing to formally dispute any inaccuracies in my Social Security account resulting from the breach that occurred in XXXX believe that my personal information has been compromised, leading to unauthorized access and potential fraudulent activities. I request that you conduct a thorough investigation into my account and take the necessary steps to correct any discrepancies that may have arisen from this incident. Enclosed with this letter are copies of any relevant documents that support my claim, including [ list any relevant documents, such as identification or notices ]. I appreciate your prompt attention to this matter and look forward to your response. Thank you for your assistance. 

Account Name : XXXX XXXX  Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX  Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX  XXXX  Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account

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 2025-03-23 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: OH

Complaint narrative:
XXXX reported XXXX missed payments. When only XXXX payment should have been reported for the month of XXXX. I confronted them, the lady I spoke to agreed that shouldnt be right. However she said theres nothing she can do.

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 2025-03-23 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: Servicer under contract with Federal Student Aid
State: NY

Complaint narrative:
I formally filed a complaint under the Family Educational Rights and Privacy Act ( FERPA ) regarding the unauthorized access to my personally identifiable information by XXXX XXXX and his employees through the Department of Education databases. On or around XX/XX/year>, I became aware that individuals associated with XXXX XXXX, who are neither school officials nor authorized representatives, accessed databases that include my personal education records without my knowledge or consent. I am aware that usage of database is monitored, recorded and/or subject to audit. I did not prov

ide any authorization for such access, and I believe this constitutes a violation of my FERPA rights. To my understanding, the Department of Education is required to safeguard students & # 39 ; personal records and only grant acce
ss to authorized parties under FERPA guidelines. The unauthorized access by private individuals or corporate representatives is a serious breach of these protections. I respectfully request that your office investigate this matter and take appropriate action to ensure my personal information remains protected. Please provide me with any relevant findings, corrective actions, and steps I can take to prevent further unauthorized access to my records. Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
Day XX/XX/XXXX my amount was own {$1500.00}. I was agree that I was purchase this amount. Sending a payment for XXXX on XXXX was charged and feed charged XXXXSo if you were subtract XXXX XXXX. Then using my credit another charged for my pet XXXX XXXX & XXXX + interest XXXX, I then sending payment per XXXX XXXX so this was part of expensive on the month XX/XX/XXXX and XX/XX/XXXX in the meanwhile, I was calling the company to sending the statement for those moth until XXXX. The company send me the amount own but it was not explain the detail or each merchandise. then it was show another transaction that i was making on those month such us XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX sending payment per XXXX XXXX XXXX after that i bought XXXX Sending XXXX XXXX my card lost and the company send another card on XXXX. I was purchase XXXX XXXX XXXX XXXXXXXX + XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sending payment XX/XX/XXXX XXXX = XXXX then I was sending another payment of XXXX XX/XX/XXXX there were XXXX account XXXX end XXXX and another XXXX i will send the statement when i receipt front the company + statement that i had with me to compare both statement. 
I am not refuse to make my payment. Seeing total amount different to the money that expending.

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 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently reviewed my credit report and noticed a account that was reporting inaccurately reflecting I had several missed payments & payment status was delinquent over 120+ days late ( XXXX ) when in fact the account is current. I have legal court litigation documents stating I am to pay {$0.00} on the account until we schedule a hearing no earlier then XXXX XXXX XXXX The consumer reporting agencys needs to report all information with complete accuracy. This account has not been late on payments. Ive attached a copy of court documents aswell as a copy of my credit report to this complaint on the following inaccurate payment dates in question. 
I am now requesting that you investigate and provide verifiable proof with records showing that I had late payments on account # XXXX. 
( cause # XXXX ) child support does not constitute nor did it not originate in a consumer base transaction. Which means there where no lines of debt extended. If this information can not be verified, I demand these payments & account be updated to current/ on time immediately or removed from my consumer report entirely. Thank you for your understanding and prompt action.

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 2025-03-23 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:
I recently reviewed my credit report and noticed a account that was reporting inaccurately reflecting I had several missed payments & payment status was delinquent over 120+ days late ( XXXX ) when in fact the account is current. I have legal court litigation documents stating I am to pay {$0.00} on the account until we schedule a hearing no earlier then XXXX XXXX XXXX The consumer reporting agencys needs to report all information with complete accuracy. This account has not been late on payments. Ive attached a copy of court documents aswell as a copy of my credit report to this complaint on the following inaccurate payment dates in question. 
I am now requesting that you investigate and provide verifiable proof with records showing that I had late payments on account # XXXX. 
( cause # XXXX ) child support does not constitute nor did it not originate in a consumer base transaction. Which means there where no lines of debt extended. If this information can not be verified, I demand these payments & account be updated to current/ on time immediately or removed from my consumer report entirely. Thank you for your understanding and prompt action.

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 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: PA

Complaint narrative:
My student loans were forgiven by XXXX XXXX XXXX but they are showing on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

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

Company response to consumer: Closed with explanation