vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-16 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 XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-15 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: MS

Complaint narrative:
I am filing this complaint pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you, the TransUnion Credit Reporting Agency , block information appearing on my consumer credit report that is the result of identity theft and fraudulent information within 4 business days of you receiving this complaint. This fraud, inaccurate and false information consists of personal credit card accounts open at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX that resulted from one of the aforementioned fraudulent accounts. These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the accounts, collections or hard inquiries as reported. These accounts, collections and inquiries maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collections and inquiries are the result of identity theft and fraud. I have attached a copy of my FTC Identity Theft Criminal complaint # XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud.

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 2025-02-15 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 have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX pressure that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove these accounts before I seek litigation for the defamation of character. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 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: MO

Complaint narrative:
Request for Immediate Deletion of Charged Off Account Pursuant to FCRA Law Dear Sir/Madam, I am writing to formally request the immediate deletion of the charged off account listed on my credit report. According to the Fair Credit Reporting Act ( FCRA ) Section 605, Subsection ( b ), reporting of delinquent accounts must be timely and accurate. Upon reviewing my credit report, I noticed that this account is still being reported despite being charged off. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Under FCRA Section 623, Subsection ( a ) ( 5 ) ( A ), it is mandated that information reported to credit bureaus must be accurate and not misleading in any manner. The continued reporting of a charged off account may misrepresent my current creditworthiness and financial standing to potential creditors and lenders. Furthermore, FCRA Section 611, Subsection ( a ) ( 5 ), grants consumers the right to dispute inaccurate information on their credit reports. As such, I am formally disputing the accuracy of this charged off account and requesting its immediate removal from my credit report. I kindly request that you investigate this matter promptly and provide written confirmation of the deletion of the charged off account from all major credit bureaus as per FCRA requirements. Please provide me with a copy of the updated credit report reflecting this deletion. Failure to comply with this request within the mandated timeframe may result in further action being taken in accordance with the FCRA. Thank you for your prompt attention to this matter. I look forward to your timely response. Thank you so much for your time.

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 2025-02-15 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: LA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX 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 XX/XX/year> -- {$5000.00}

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 2025-02-16 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: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
XXXX & XXXX is on my credit report stating I owe {$1200.00} & {$840.00} XX/XX/year> which is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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:
I received a copy of my credit report and found the following items to be errors. Here as follows are items in error : XXXX, Account XXXX : XXXX Under 15 USC 1692g . Validation of debts Please delete due to a violation of 15 U.S. Code 1692g - Validation of debts XXXXXXXX XXXX XXXX, Account Number : XXXX Under 15 USC 1692g. Validation of debts Please delete due to a violation of 15 U.S. Code 1692g - Validation of debts XXXX XXXX XXXX, Account Number : XXXX Under 15 USC 1692g. Validation of debts Please delete due to a violation of 15 U.S. Code 1692g - Validation of debts XXXX XXXX Account Number : XXXX Under 15 USC 1692g. Validation of debts Please delete due to a violation of 15 U.S. Code 1692g - Validation of debts

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 2025-02-15 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:
I received a copy of my credit report and found the following items to be errors. Here as follows are items in error : XXXX, Account XXXX : XXXX Under 15 USC 1692g . Validation of debts Please delete due to a violation of 15 U.S. Code 1692g - Validation of debts XXXXXXXX XXXX XXXX, Account Number : XXXX Under 15 USC 1692g. Validation of debts Please delete due to a violation of 15 U.S. Code 1692g - Validation of debts XXXX XXXX XXXX, Account Number : XXXX Under 15 USC 1692g. Validation of debts Please delete due to a violation of 15 U.S. Code 1692g - Validation of debts XXXX XXXX Account Number : XXXX Under 15 USC 1692g. Validation of debts Please delete due to a violation of 15 U.S. Code 1692g - Validation of debts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: AZ

Complaint narrative:
XXXX was contacted to provide a resolution to my complaint and they simply referred me to the new serving company MOHELA. XXXX made no attempt to provide resolution even though they were serving my loan for the past 20 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX, my Home Depot card was used fraudulently while I was several XXXX miles away in XXXX XXXX, GA. I was contacted by Citigroup about it, and informed them that I was not XXXX XXXX XXXX, and they began their fraud process. I have called in several times requesting they remove the charges while they are processing the fraud, and have several times been assured it would be removed in XXXX hours. It has now been almost 2 months. I am attaching receipts showing I was in XXXX XXXX between XX/XX/XXXX and 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 monetary relief
Consumer complaint received 2025-02-16 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: AR

Complaint narrative:
It has come to light that XXXX XXXX and XXXX through unauthorized means, accessed personal and confidential information protected under the Family Educational Rights and Privacy Act ( XXXX ). This action constitutes a direct violation of XXXX, which ensures the privacy of student education records and restricts access to these records without proper consent. 
Under XXXX, students have the right to control access to their educational records, and any unauthorized disclosure, including access by individuals without legitimate educational interests or consent, constitutes a breach of this law. In this case, XXXX XXXX and XXXX 's access to personal data without authorization is considered an unlawful disclosure of protected information. 
As a result, immediate corrective actions will be undertaken, including a full investigation into how this breach occurred, and steps will be taken to ensure that all parties involved comply with XXXX guidelines moving forward. Any violation of XXXX can result in severe consequences, including potential loss of federal funding to the institution involved and other legal ramifications.

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 2025-02-16 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: AR

Complaint narrative:
It has come to light that XXXX XXXX and XXXX through unauthorized means, accessed personal and confidential information protected under the Family Educational Rights and Privacy Act ( XXXX ). This action constitutes a direct violation of XXXX, which ensures the privacy of student education records and restricts access to these records without proper consent. 
Under XXXX, students have the right to control access to their educational records, and any unauthorized disclosure, including access by individuals without legitimate educational interests or consent, constitutes a breach of this law. In this case, XXXX XXXX and XXXX 's access to personal data without authorization is considered an unlawful disclosure of protected information. 
As a result, immediate corrective actions will be undertaken, including a full investigation into how this breach occurred, and steps will be taken to ensure that all parties involved comply with XXXX guidelines moving forward. Any violation of XXXX can result in severe consequences, including potential loss of federal funding to the institution involved and other legal ramifications.

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 2025-02-16 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: MI

Complaint narrative:
I am victim of identity theft and the equifax data breach .The account does not belong to me and I have no knowledge of this account .15USC 1681b 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 2025-02-16 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: MI

Complaint narrative:
I am victim of identity theft and the equifax data breach .The account does not belong to me and I have no knowledge of this account .15USC 1681b XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Credit Karma is reporting incorrect information : reporting that collection company as the original creditor and an open account. If it is the original creditor I would information on my signature on these original creditors See attachment

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 2025-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

Complaint narrative:
Transactions that were approved without my permission Money upload without permission Money sent without permission

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
i writte this to request to remove all those colection on my credit report becuase transunion, experian and all the company have me with diferent address where i didnt leave. my address is wrong and also my name is wrong please, i been protect by the laws of 15 SC 1681 s 2 also to not gave or share my information with any company or person. 
then since all those mistake you should remove all this colection where they have my name wrong and also most of that information should be remove from my credit report because also time line is past.

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 2025-02-15 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: NY

Complaint narrative:
i writte this to request to remove all those colection on my credit report becuase transunion, experian and all the company have me with diferent address where i didnt leave. my address is wrong and also my name is wrong please, i been protect by the laws of 15 SC 1681 s 2 also to not gave or share my information with any company or person. 
then since all those mistake you should remove all this colection where they have my name wrong and also most of that information should be remove from my credit report because also time line is past.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 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: MI

Complaint narrative:
I am victim of identity theft and the equifax data breach .The account does not belong to me and I have no knowledge of this account .15USC 1681b 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 2025-02-15 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 HAVE BEEN AFFECTED BY THE EQUIFAX 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 XX/XX/year> -- {$5000.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>XXXX XXXX  XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XXXX I was a victim of identity theft. Ever since that Ive been checking my credit report with Experian but it doesnt do me any good because the same damaging information which impacted my credit is still in my credit report it is still showing the same information which I disputed for many years. XXXX not sure if theyre investigating Correctly or illegally. I am not sure if this is an internal matter or theyre doing your things illegally. On XX/XX/XXXX I finally got a nice gentleman that was trying to help me to update my phone number so I can use the app. Hopefully they get back to me on this matter but it seems that I have to go to rock homes of hysterical and frustrating drama just to check on my credit report on my app. I have to change my phone number every year because I was a victim of identity fraud and it seems that Im not sure about this company. Its kind of shady they give you four different numbers to call for four different departments and it seems that the people dont speak proper XXXX. I

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 2025-02-16 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: SECURITY FINANCE CORP
State: GA

Complaint narrative:
Security Finance has XXXX inquiries on my credit report stating I owe which is fraud. 
{$1100.00} XX/XX/XXXX XX/XX/XXXX {$1100.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$430.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: MS

Complaint narrative:
I am filing this complaint pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you, the TransUnion Credit Reporting Agency , block information appearing on my consumer credit report that is the result of identity theft and fraudulent information within 4 business days of you receiving this complaint. This fraud, inaccurate and false information consists of personal credit card accounts open at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX that resulted from one of the aforementioned fraudulent accounts. These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the accounts, collections or hard inquiries as reported. These accounts, collections and inquiries maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collections and inquiries are the result of identity theft and fraud. I have attached a copy of my FTC Identity Theft Criminal complaint # XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud.

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