vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-25 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: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-25 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: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-25 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 non-monetary relief
Consumer complaint received 2025-04-25 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: VA

Complaint narrative:
I was checking on my report and I noticed an account ( XXXX XXXX XXXX ) that was reporting inaccurate information. I had two late payments on an account that was actually paid on time. The consumer reporting agencies need to report all information complete and accurate. This account has not been on late payments I've attached a copy of my report to this complaint on the following dates ( XX/XX/XXXX ) ( XX/XX/XXXX ). I am requesting an investigation on this account and update these payments to paid on time immediately. Thank you for your understanding for this resolution.

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 2025-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions 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 explanation
Consumer complaint received 2025-04-25 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 HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$110.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: ClearOne Advantage, LLC
State: NY

Complaint narrative:
Signed up with ClearOne Advantage on XX/XX/XXXX with 8 creditors in the amount of XXXX and payment was XXXX per month. 59 months in I called to find out if my program was ending and they said no i would have to stay on 9 more months. I asked them to stop my program as they did not fulfill their end of the contract, and I asked for my fees that they had charged me to be reimbursed they refused. One account went to collection in XXXX XXXX XXXX  ending in XXXX and XXXX XXXX. Both were not paid and there were 2 other XXXX XXXX  accounts that had been paid. They are still refusing to give the fees back for not doing what they said they would do. Now I have to contact and pay both creditors on my own and I have been turned down for a credit card recently because of the XXXX XXXX. I have enclosed the original signed agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: PA

Complaint narrative:
In XXXX I sent a dispute letter regarding inaccurate, incomplete, and unverifiable information that being reported on my credit report and I never received the investigation results. I sent the letter certified with shipping number being XXXX. I demand this agency complies with the FCRA and conducts an investigation immediately. I attached a new dispute below as clearly they are not going to conduct an investigation if I send it through mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 2025-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: IN

Complaint narrative:
CFPB Complaint Report : Fraudulent Activity on Credit Karma XXXX XXXXXXXX XXXX Account Subject : Unauthorized Transactions and Fraudulent Activity on Credit Karma Money Account XXXX XXXXXXXX XXXX ) Date of Incident : XXXX XXXX, 2025 Account Provider : Credit Karma Money ( powered by XXXXXXXX XXXX XXXX XXXX ) Account Type : Checking/Spend Account Issue Type : Unauthorized transactions and account fraud ( second occurrence ) Description of the Problem : This is the second time that my Credit Karma Money account , operated by XXXX XXXX , has been fraudulently accessed, resulting in unauthorized withdrawals and purchases that depleted my account within 24 hours of a deposit. Despite security promises by Credit Karma and XXXXXXXX XXXX, my account appears to have been hacked again. 

On XXXX XXXX, 2025, a deposit of {$3900.00} was posted to my account. The following day, XXXX XXXX 2025, the following unauthorized transactions occurred, which I did not initiate or approve : ATM Withdrawal : {$500.00} XXXX XXXX XXXX XXXX LA : {$1400.00} + {$31.00} surcharge XXXXXXXX XXXX : {$2000.00} Attempted transactions ( declined ) : XXXX ( {$1.00} ) These charges nearly match the full deposit amount and were completed in rapid succession, suggesting a security breach. I have no relationship with any vendor in XXXX, Louisiana, nor have I visited that location or made such purchases. 

Previous Action Taken : I filed a report with Credit Karma/XXXX XXXX via the in-app support system. 
I have not yet received resolution or confirmation that my funds will be reimbursed. 
This is the second time this has happened, which raises serious concerns about account security and protection. 

Impact : I am unable to access critical funds, which has affected my ability to pay essential bills, including my bankruptcy payment, which is now at risk of default. 
I am deeply distressed by the lack of fraud safeguards and immediate response from the bank. 

Evidence Attached : Screenshot of transaction activity showing disputed transactions and the timeline ( attached separately )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-25 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: NC

Complaint narrative:
I have an XXXX XXXX XXXX  card with a {$500.00} limit. This card has been paid in full for about XXXX weeks but is still showing up as over limit with 110 % credit utilization and has NOT been updated. This needs to be corrected immediately. My score dropped significantly so I paid it in full a long time ago and Transunion and XXXX  have not updated their information. This is damaging to my credit score and they should be updating this information MONTHLY. Im tired of having to do their jobs for them and file a complaint to remind them to update in a timely manner EACH MONTH.

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 2025-04-25 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: NC

Complaint narrative:
I have an XXXX XXXX XXXX  card with a {$500.00} limit. This card has been paid in full for about 6 weeks but is still showing up as over limit with 110 % credit utilization and has NOT been updated. This needs to be corrected immediately. My score dropped significantly so I paid it in full a long time ago and XXXX  and Equifax have not updated their information. This is damaging to my credit score and they should be updating this information MONTHLY. Im tired of having to do their jobs for them and file a complaint to remind them to update in a timely manner EACH MONTH.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I noticed a collections account on my report. I have disputed it multiple times and it has been removed from all but one bureau. I sent a Debt Verification letter directly to this company on XX/XX/year> and only received a response that I would need a lawyer to receive that information. This is illegal!!!!

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 2025-04-25 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 respectfully request that you block and remove the unauthorized accounts from my credit report at your earliest convenience. I did not open or approve these accounts and do not recognize them. As outlined in USC 1681g, I am requesting their removal within 15 days. Enclosed are supporting documents for your detailed review. Please note that the information being reported differs across credit bureaus, indicating inaccuracies

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 2025-04-25 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: OH

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-04-25 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: IL

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the XXXX  data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: IN

Complaint narrative:
[ XXXX XXXX XXXX / XXXX XXXX XXXX ] XXXX XXXX XXXX Pl, XXXX, IN XXXX XXXX Contact : ( XXXX ) XXXX Date : XX/XX/year> To : U.S. Bank National Association XXXX XXXX XXXX XXXX, MN XXXX RE : Formal Complaint and Demand for Action FDCPA Violations, Identity Theft, and Unlawful Debt Collection Practices To Whom It May Concern, This letter serves as a formal demand and notice of violation concerning unlawful debt collection practices initiated by XXXX XXXX XXXX XXXX XXXX on behalf of XXXX Bank, as well as identity theft and fraudulent activity related to this alleged debt. 

This matter pertains to XXXX XXXX XXXX, XXXX ending in XXXX, and XXXX XXXX XXXX, XXXX : XXXX. 



Summary of Violations : XXXX. Unlawful Debt Collection Practices Monarch Recovery, acting on behalf of U.S. Bank, has violated the Fair Debt Collection Practices Act ( XXXX U.S.C. XXXX et seq. ), specifically : XXXX Harassment or abuse XXXX False, deceptive, or misleading representations XXXX Unfair practices XXXX Failure to validate debt upon written request XXXX. Attempt to Collect Fraudulent Debt This alleged debt is the result of identity theft and fraud, which has been reported and documented. I am not obligated to pay this debt under XXXX U.S.C. XXXX, and any continued collection activity constitutes willful negligence and abuse. 
XXXX. Violation of U.S. Banks XXXX Banking XXXX and Federal Banking Regulations As a federally chartered financial institution, U.S. Bank is responsible for ensuring its vendors and debt collectors operate within compliance of FDCPA, FCRA ( XXXX U.S.C. XXXX et seq. ), and GLBA regulations. 



Demand for Action : XXXX. Immediate cessation of all collection activities related to this fraudulent account. 
XXXX. Removal of this debt from all internal records and any third-party credit reporting agencies. 
XXXX. Written confirmation that this file has been closed with no obligation of payment. 
XXXX. Remediation check mailed to my address in the amount of [ $ XXXX ] for damages, emotional distress, and violations of federal law, to be received within XXXX to XXXX business days. 
XXXX. XXXX that U.S. Bank and XXXX XXXX will not contact me or my business further regarding this fraudulent debt. 

Failure to act within the specified timeframe will result in further legal escalation, including a formal complaint filed with the Consumer Financial Protection Bureau ( XXXX  ), Federal Trade Commission ( XXXX  ), and potential civil litigation. 

I recommend this matter be treated with urgency and seriousness. 

Sincerely, 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 2025-04-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: NC

Complaint narrative:
I am writing to formally express my concerns regarding potential violations of my rights under the Family Educational Rights and Privacy Act ( FERPA ) and the improper handling of student loan data by the Department of Education ( DOE ) and its potential transfer to the Small Business Administration ( SBA ) in 2025.

As a borrower of federal student loans, I entered into a contractual agreement with the Department of Education. My promissory note explicitly states that my obligations are to the DOE, and I did not consent to any transfer of my loan management to the SBA or any other entity. The reported move of student loan oversight from the DOE to the SBA under the upcoming administration raises serious legal and ethical questions regarding the sanctity of this agreement and my rights as a borrower.

Furthermore, I am deeply concerned about the improper handling of my personal and financial information. If this transfer occurs, it may constitute a breach of my right to privacy and a violation of FERPA, which protects the confidentiality of student records. I am also alarmed by the potential unauthorized access to my loan data by third-party entities, including individuals or corporations with no legal right to this information.

Given the gravity of these concerns, I respectfully request that your office : Investigate whether the proposed transfer of student loans from the DOE to the SBA in 2025 constitutes a breach of contract and a violation of borrower rights.

Examine whether this transfer or any related actions violate FERPA by exposing students ' personal and financial data to unauthorized entities.

Determine whether third-party entities, including private individuals or corporations, have accessed or mishandled borrower information in a manner that infringes upon privacy laws.

Take legal action, if necessary, to protect borrowers from any unlawful or unconstitutional policies that may arise from this transition.

Company response to consumer: Untimely response
Consumer complaint received 2025-04-25 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: NC

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: LA

Complaint narrative:
I am writing to request verification of the debt listed under my name. If you are able to verify this debt, please provide the necessary documentation. However, if you are unable to do so, I kindly ask that you remove it from my credit report immediately, as inaccurate or unverified debts should not be reported. Please confirm your actions in writing. Thank you for your prompt attention to this matter. Collection account 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 explanation