vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 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: MI

Complaint narrative:
These accounts are infringing on my right to privacy granted to me by The Privacy Act of 1974 ( 5 U.S.C. 552a ) is a federal law that establishes a code of fair information practices for federal agencies, governing the collection, maintenance, use, and dissemination of information about individuals. These accounts are in violation of The Family Educational Rights and Privacy Act ( FERPA ) is a federal law that protects the privacy of student education records, granting parents and eligible students the right to inspect and review these records, request corrections, and control the disclosure of personally identifiable information. I do not give these accounts permission to furnish information on my consumer report Student loans. 16 CFR 313.7 opt out notice Per 5 USC 552a, 20 usc 1232 g and 34 CFR 99 STUDENT loans 5 USC 552a 20 usc 1232 g 34 CFR 99 I want the remarks on the these account removed from my consumer report. Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX By 16 CFR 313.7 I opt out from these account reporting on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: MI

Complaint narrative:
These accounts are infringing on my right to privacy granted to me by The Privacy Act of 1974 ( 5 U.S.C. 552a ) is a federal law that establishes a code of fair information practices for federal agencies, governing the collection, maintenance, use, and dissemination of information about individuals. These accounts are in violation of The Family Educational Rights and Privacy Act ( FERPA ) is a federal law that protects the privacy of student education records, granting parents and eligible students the right to inspect and review these records, request corrections, and control the disclosure of personally identifiable information. I do not give these accounts permission to furnish information on my consumer report Student loans. 16 CFR 313.7 opt out notice Per 5 USC 552a, 20 usc 1232 g and 34 CFR 99 STUDENT loans 5 USC 552a 20 usc 1232 g 34 CFR 99 I want the remarks on the these account removed from my consumer report. 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 By 16 CFR 313.7 I opt out from these account reporting on my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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:
Hello! I am requesting an immediate correction of the mentioned account. The XXXX credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account above. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Subject : Identity Theft and Failure to Comply with Federal Credit Reporting Laws Description of the Issue : I am a victim of identity theft, directly resulting from the Equifax XXXX XXXX in XXXX. On XX/XX/XXXX, I discovered multiple fraudulent accounts and inquiries on my credit reports from Experian, Equifax, and TransUnion that I did not authorize or open. These accounts are directly tied to my compromised personal information. 
Despite my repeated efforts to resolve this issue, the credit reporting agencies ( CRAs ) have failed to investigate and remove the fraudulent items, violating multiple federal statutes, including : XXXX U.S.C. XXXX Failure to block fraudulent information within XXXX business days of receiving my dispute and supporting documentation. 
XXXX XXXX. XXXX Unauthorized sharing of my personal and financial information without permissible purpose. 
XXXX XXXX. XXXX Failure to provide written notice of alleged debts within 5 days of reporting. 
XXXX XXXX. XXXX and XXXX Willful and negligent non-compliance with the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX. XXXX Failure to provide proper validation of any alleged debt, including evidence of cancellation or discharge via Form XXXX, if applicable. 

The fraudulent reporting of these accounts has caused significant harm to my financial reputation, including : Denials of credit applications. 
Damage to my credit score. 
Emotional distress caused by repeated failures of CRAs to address the issue. 

These Are The Actions Taken to Protect Myself : XXXX. Filed Multiple Identity Theft Reports with the FTC. 
XXXX. FTC Identity Theft Report Number : [ Insert Here ] XXXX. Notified the creditor ( LENDERS ) and initiated a fraud investigation. 
XXXX. Placed fraud alerts and frozen my credit reports with all three major credit bureaus. 
XXXX. Filed disputes with Experian, Equifax, and TransUnion. 
Currently in the process of filing a police report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Experian and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX XXXX XXXX XXXX BALANCED {$0.00} XXXX  XXXX XXXX XXXX {$340.00} XXXX XXXX XXXX BALANCED {$120.00} XXXX XXXX XXXXXXXX XXXX BALANCED {$1900.00} XXXX XXXX BALANCED {$470.00} XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX 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 These Items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of 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
Consumer complaint received 2025-05-02 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: FL

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 


Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within XXXX  days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion Corp. ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 
CREDIT COLLECTION SERV 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 2025-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: CA

Complaint narrative:
On the date of XX/XX/year> XXXX different transactions were made withdrawing XXXX $ from my cash app checking account. XXXX transaction was at a XXXX in XXXX XXXX unfortunately do not have the address however at approximately XXXX AM, XXXX $ were withdrawn.The following XXXX transactions occurred at XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX United States for XXXX transactions, XXXX of which were for XXXX $ and a single one of a XXXX XXXX I hadnt realized my account balance until after I attempted to withdraw cash from an atm and was given an error message about exceeding a daily withdrawal limit. I than proceeded to submit a complaint and dispute all the fraudulent unauthorized transactions as well as making and submitting a police report. I than got all my disputes denied and was sent told by cash app that I was committing fraudulent disputes and that I either authorized or gave authorization to have the transactions done. Resulting in me not seeing any of my money back. I was than notified of this link hopefully I can get this issues resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
i have submitted disputes to you and i didnt get response within 30 days and ya 'll are required by law to do so. Please investigtes my disputes, please. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
i have submitted disputes to you and i didnt get response within 30 days and ya 'll are required by law to do so. Please investigtes my disputes, please. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: GA

Complaint narrative:
I kindly request the Consumer Financial Protection Bureau ( CFPB ) to assist me in the removal of unauthorized and fraudulent items from my credit file, which were opened without my consent. Your support in rectifying these fraudulent entries would significantly enhance the accuracy of my credit report. I appreciate your assistance and hope that, with your help, the fraudulent items will be permanently removed in the next update. Thank you for your attention to this matter. 
XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$5900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$16.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXXXXXX XXXX XXXX Balance : {$160.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: GA

Complaint narrative:
I kindly request the Consumer Financial Protection Bureau ( CFPB ) to assist me in the removal of unauthorized and fraudulent items from my credit file, which were opened without my consent. Your support in rectifying these fraudulent entries would significantly enhance the accuracy of my credit report. I appreciate your assistance and hope that, with your help, the fraudulent items will be permanently removed in the next update. Thank you for your attention to this matter. 
XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$5900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$16.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXXXXXX XXXX XXXX Balance : {$160.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-05-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, debt collectors and companies failed to properly investigate and delete information on my credit report that is due to a data breach which led to identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
CRA, debt collectors and companies failed to properly investigate and delete information on my credit report that is due to a data breach which led to identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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:
CRA, debt collectors and companies failed to properly investigate and delete information on my credit report that is due to a data breach which led to identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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:
b"Recently I looked at my credit file and found info that can't be verified and info that are not accurate. Under 15 US code 1681e(b) and 15 use 1681i(5) this data on my credit is a clear violation of not reporting 100% accurate.\n\nThe following accounts are results of data trafficking/Identity theft! Please take action and remove them from my credit report asap!    \n\nUNATHORIZED INQUIRIES:\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 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
Consumer complaint received 2025-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
Hello last Friday I was at home and a gentleman that I hardley knew came into my home and asked to me to selli his record collection. Based on my experience in the music industry I agreed to look at the collection. After a short time the man left my home suddenly which I found strange however I had a few other friends at my home that night. I only just met him as he was a friend of my neighbors. About 10 mins later I was looking for my XXXX everywhere I couldn't find it and Looked everywhere. It was strange that the guy disappeared but I didn't put 2 and 2 together unit the next day. First thing when I woke up I checked my bank account and all my money was gone. He loaded the chime to my cash app and after several attempts he managed to link his debit card to my cash app to his bank account. I know his name and I know exactly how he went about it. I am out my XXXX and out over XXXX. I disputed the charges with chime and they denied my claim.I feel very violated and with all the info I gave them they should have been able to see the fraud clear as day. They still denied me my money back and I am not sure how to proceed. Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: NY

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX  XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX 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 non-monetary relief