vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-11 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: CA

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: NY

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: FL

Complaint narrative:
Cash app used my private credit card to make advancement and credit request from the federal reserve window open demand deposit account on my behalf without my proper power of attorney, cash app used my private information to open trade on the secondary market with my express written consent and hid the profit is offshore accounts committing money laundering

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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 have submitted multiple formal disputes regarding inaccurate information reported by XXXX XXXX XXXX on my credit report. The account shows conflicting information that violates the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Specifically, the account status differs across the credit bureaus : TransUnion reports it as Payment after charge-off/collection, XXXX lists it as a Charge-off, and XXXX shows it as Paid, Closed, {$5300.00} written off. These conflicting statuses are misleading and should be corrected or removed. Additionally, the payment dates are inconsistentTransUnion and XXXX report the last payment date as XX/XX/year>, while XXXX shows XX/XX/year>. These discrepancies negatively impact my credit score and need to be addressed. Furthermore, TransUnion and XXXX indicate that previous disputes were resolved and verified, yet they continue to report contradictory information, showing that the verification process was incomplete. I request that XXXX XXXX XXXX properly investigate and remove the inaccurate information 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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
Someone has stolen my identity. I am locked out of my own accounts and when I tried to get a credit report from each of the three main agencies, it said my birthday doesnt match my Social Security Number . Additionally, before I was completely locked out of my XXXXXXXX XXXX XXXX XXXX, they sent me alerts about a credit card affecting my credit score in a bad way that was activated some time in XXXX and its already over its max amount. I didnt open any new credit cards, loans etc. The credit monitoring from that account combined with letters Ive received from multiple state agencies and my Insurance company and a weird welcome letter from one Comenity Bank are the only things Ive seen to alert me and they all arrived within a couple weeks of each other. Additionally, there is a fraudulent business that stole over {$2000.00} from my bank account, buying Cryptocurrency. I was texted in my phone from a person claiming to be a recruiter, who got my information from a recruiter who made it seem that the part time gig was legitimately doable with my XXXX, but that I could make enough not to need to be on XXXX. I asked dozens of questions throughout my entire engagement with them and have pictures of all of it because they requested to communicate through XXXX and I didnt want to run the risk of losing any documentation. Turns out I was right to be skeptical. If people are actually making money on drip, they are doing so fraudulently. They pose you as a bot, essentially and give you a set selection of reviews to chose from, nothing you input yourself except clicking on one. They trick you into a cycle from which youre paying them to work. I also found out that they buy peoples personal information off the internet in order to recruit people like me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: MD

Complaint narrative:
XXXX XXXX XXXX, ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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. This fraudulent, inaccurate, and false information consists of XXXX  XXXX {$5800.00} XXXX XXXX {$530.00} XXXX {$32000.00} XXXX {$4700.00} XXXX {$510.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of 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 the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the *Bureau* credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address 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 2025-02-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC
State: GA

Complaint narrative:
Source Receivables Amount : {$400.00} This account has been paid to the original creditor. The collection agency above has now reopened the account and named themselves the original creditor. XXXX XXXX has noted that the account has been closed then reopened and have advised me to dispute. This makes the reported information untrue

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: CA

Complaint narrative:
I recently discovered that my credit report contains incorrect personal information, which have led to the appearance of unknown and inaccurate accounts. I am a victim of identity theft, and my information was fraudulently used, resulting in accounts that I have never been associated with. As instructed by Equifax, I filed an FTC report and submitted it, yet these fraudulent items remain on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: FL

Complaint narrative:
During 2024, my credit score was dropped around XXXX, XXXX about XXXX points for no reason. 
For some how, XXXX XXXX uses Experian which not sure is a legit one!!! 
Experian used by XXXX XXXX and XXXX XXXX is more accurate!!! 

Also, my credit history was changed instead from 18 years+ to XXXX and XXXX year old as poor credit history not sure who did that?? 

Looking forward for your help and keeping my credit up-to date.

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 2025-02-11 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: TX

Complaint narrative:
Under The Fair Credit Reporting Act ( FCRA ), Experian, Equifax and TransUnion credit reporting agencies are violating my rights by reporting inaccurate information on my credit report that is harming my financial well-being, and my reputation as a consumer. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. The Consumer Financial Protection Bureau filed lawsuits against Experian, Equifax, and TransUnion in an effort to ensure that credit reporting agencies are held accountable for their failures to properly, and thoroughly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include but are not limited to : Conducting inadequate investigations that fail to address consumer disputes properly. Reinserting previously disputed and inaccurate information without explanation. Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my many disputes regarding inaccurate information on my credit reports have been continuously mishandled in a comparable manner.

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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 




XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX XXXX XXXXInquiry XXXX XXXX XXXX XXXX XXXX - IncorrectPersonal XXXX XXXX XXXX  XXXX XXXXXXXX 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 2025-02-11 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: CA

Complaint narrative:
Im beyond frustrated that this is still going on. These accounts in pending litigation should never have been reported on my credit in the first place. Ive contacted you repeatedly, and despite my efforts, theres been no action taken to fix the issue. Every day this goes unresolved, my credit score takes a hit, and its seriously affecting my financial future.

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 2025-02-11 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: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX  XXXX Account Number : XXXX XXXX  XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : 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 2025-02-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
I requested a debt validation from spring oaks capital llc and i recieved a screenshot of application information and a credit card billing statement. In my debt validation letter i requested The amount of the debt. The name of the creditor to whom the debt is owed. 
A copy of the original agreement or contract between myself and the original creditor. 
Proof that you are authorized to collect this debt, such as a statement showing that your agency has been assigned or purchased the debt. Details of any payments made towards this debt ( if applicable ), and the remaining balance. A statement outlining the interest and fees that have been added to the debt since its original creation. However I have not recieve a copy of the original agreement or contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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 have filed for bankruptcy and I should not have any negative things on my report or any open accounts. 
They have a filed but did not remove the things on my credit report as they were supposed to.

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 2025-02-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Servicer under contract with Federal Student Aid
State: OR

Complaint narrative:
Subject : Complaint Regarding Data Breach, FERPA/Title IV Violations, and Loan Discharge Request Dear Consumer Financial Protection Bureau , I am filing a formal complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and Department of Governmental Entities ( DOGE ). This breach violates the Family Educational Rights and Privacy Act ( FERPA ), Title IV regulations, and federal data security standards, compromising my personal privacy and financial security. 

The following records were accessed without my consent : My academic records and personally identifiable information ( PII ). 
My FAFSA data, including financial aid and loan history. 
My IRS tax transcripts. 
These unauthorized actions have raised serious concerns regarding potential identity theft, fraud, and the integrity of my loan agreements. Therefore, I demand the following corrective actions : Immediate discharge and cancellation of all federal student loans due to this breach. 
A formal investigation into the breach, including details on who accessed my data and for what purpose. 
A full report on the extent of my data exposure and measures to prevent future breaches. 
Immediate notification to major credit bureaus ( XXXX, XXXX, XXXX ) to place a fraud alert and investigate potential unauthorized activity. 
This breach has caused significant distress. If my demands are not met within 30 days, I will escalate this matter by filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal action. 

Please provide a written response detailing the immediate actions being taken. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-02-11 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: CITIZENS FINANCIAL GROUP, INC.
State: SC

Complaint narrative:
My personal and financial information was compromised without my authorization. The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. Given the severity go this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: CA

Complaint narrative:
Closed accounts were closed. On other sites they are not.. I disputed it the all the debt collectors call and harassment. All day long

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 2025-02-11 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: CA

Complaint narrative:
Closed accounts were closed. On other sites they are not.. I disputed it the all the debt collectors call and harassment. All day long

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 2025-02-11 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: MD

Complaint narrative:
The inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: MS

Complaint narrative:
In XX/XX/XXXX, I've noticed I am a victim of the XXXX Equifax Data Breach. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief