vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
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/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
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/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 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: TX

Complaint narrative:
I am disputing incorrect personal information reported by Experian on my credit file. The following names are inaccurately listed under my profile : XXXX A XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. My correct legal name is XXXX XXXX. Additionally, the following addresses are incorrectly associated with my credit report : XXXX XXXX XXXX, XXXX, TX XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: NC

Complaint narrative:
I recently learned that my personal financial and student loan information was recently breached by agents of XXXX XXXX 's XXXX XXXX XXXX XXXX XXXX aka XXXX ) on XXXX XX/XX/year>. This is a violation of student loan privacy guarantees and as such I am filing a complaint, especially after a judge recently ordered XXXX and XXXX XXXX to be blocked from accessing this data as a part of the lawsuit of XXXX XXXX XXXX XXXX versus the XXXX  individuals rough to court on XXXX XX/XX/year> ( source : XXXX XXXX XXXX ). See also the XXXX XXXX XXXX XXXXXXXX XXXX lawsuit against XXXX ( XXXX XXXX XXXXXXXX ) filed on XXXX XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: TX

Complaint narrative:
I am a victim of identity theft. Please see the attached documents relating to this case and complete identity theft affidavit. Also, please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within four business days of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} - Charge off DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXXLate/Open

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: TX

Complaint narrative:
I am disputing incorrect personal information reported by Equifax on my credit file. The following names are inaccurately listed under my profile : XXXX XXXX XXXX and XXXX XXXX. My correct legal name is XXXX XXXX. Additionally, the following addresses are incorrectly associated with my credit report : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: PA

Complaint narrative:
My daughter passed away leaving XXXX in her savings. On XX/XX/XXXX of last year I sent chime her death certificate and within a week or so I sent them all requested inf I ration including letter from probate court that entitles me her mother to the money. She was only XXXX lived at home. I have waited over 60 days no check. They keep giving me the run around. Nobody can give me an answer. I had to pay for her to be cremated. I owe this money. I have over 54 text messages from chime over 60 days ago they said a check would be submitted. I received nothing. When I call chime they ask me fir my email and say somebody will be in touch. They try to start the whole process over. Ii don't need this added stress. Everybody else did not give me a hard time but chime. I have a chime account also. I told them to put money in my account. They won't do anything. I've spent hours trying to get this money. I'm very upset. Please help. It's bad enough I list my daughter. XXXX, XXXX XXXX. My daughters name is XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-16 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: AZ

Complaint narrative:
I am a victim of identity theft and data breach ; and the following information has been reported to all three credit reporting agencies. 

The following accounts DO NOT belong to me. 

XXXX XXXX XXXX  XXXX Acct # XXXX Balance {$1400.00} XXXX XXXX XXXX  XXXX Acct # XXXX Balance {$400.00} XXXX XXXX XXXX Acct # XXXX Balance {$750.00} XXXX XXXX XXXX  Acct # XXXX Balance {$1200.00} XXXX XXXX XXXX  Acct # XXXX Balance {$17000.00} XXXX  Acct # XXXX Balance {$700.00} XXXX XXXX  Acct # XXXX Balance {$500.00} This information does not relate to any transactions that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section B of the Fair Credit Report Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any further information from me to remove and block 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 non-monetary relief
Consumer complaint received 2025-03-16 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Self Financial Inc.
State: CA

Complaint narrative:
I previously stayed in the U.S. temporarily a few times and never had credit cards or used credit products. Upon returning to the U.S. in XXXX, I created a credit report and discovered that fraudsters had opened a secured credit card under my name with SELF FINANCIAL INC . The card was opened on XX/XX/year>, while I arrived in the U.S. on XX/XX/year>. 
I made multiple attempts to contact the bank 's customer support, but they stated they do not handle disputes from clients and directed me to file a dispute with the credit bureau. I followed this advice twice, but both disputes were rejected. The account XXXX does not belong to me. I did not authorize those account to be opened. This account is a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
Money continue to disappear out of my account without explanation unauthorized transactions money just gone stolen out of my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: MN

Complaint narrative:
To : Consumer Financial Protection Bureau I have had XXXXCharter Communications Internet for over 10 years at my house. In XX/XX/2024, I switched to XXXX XXXX XXXX so I called XXXXCharter account services to notify them that I had changed and they could disconnect anytime before XXXX XXXX, XXXX. The gal I spoke with agreed that my final bill would be {$82.00} and I paid it online on XX/XX/2024. 

The monthly bill continued to come to me ( by email ) for a number of months with the amounts increasing along with late charges. I didn't contact them right away assuming my cancellation would take time. 

After a couple of months, I did call and, after an innumerable wait, finally reached an " Account Specialist '' to be told I had never cancelled. She was very kind and was able to find the record of my previous phone call but, for some reason, the cancelling transaction was never placed. She updated the cancellation and agreed that I was paid in full with no extra charge to return the router. ( They never did pick it up. ) I assumed the issue was over with and threw out my records. 

Last month I began getting calls from a debt collector. I got a letter from a debt collector yesterday with an amount due of {$180.00}. 

I have run out of patience with all of this! 

My XXXX/Charter account number : XXXX Phone : ( XXXX ) XXXX Debt collector : CBE Group XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX IA XXXX XXXX XXXX ) XXXX Please help! 

XXXX XXXX XXXX XXXX XXXX. 
XXXX, MN XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX. XXXX XXXX  XXXX XX/XX/year> XXXX. XXXX XXXX XXXX - XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, THANKS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge 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: NY

Complaint narrative:
-On XX/XX/25 I noticed and reported over {$6300.00} in unauthorized credit card charges on my Citibank card taking place between XX/XX/25 and XX/XX/25. I saw that the address on my account had been fraudulently changed and a new card had been ordered to a state and address where I do not live, and where I had not been ( the charges were all in Florida, I live in New York and had not visited Florida in more than 10 months ). There were 34 fraudulent charges in the vicinity of this new Florida address. 
-I immediately locked the card, reported the fraud online to citi , changed the address back to my correct address, and ordered new cards. 
-On XX/XX/25 I spoke to a citi agent about the fraudulent charges, explained the address change and the charges in a different state, and explained that the card in my possession was not the card that had been fraudulently obtained and used to make these purchases. 
-On XX/XX/25 I received a letter from citi dated XX/XX/25 that I was found responsible for all purchases because the purchases had been made with a chip enabled card reader and the card was in my possession at the time of the transactions. This is not true. 
-I also received a letter from citi dated XX/XX/25 on XX/XX/25 stating that my dispute was under investigation. 
-As of XX/XX/25, the citi website shows for all purchases " Our investigation is complete and a fraud credit will not be issued to your account. We recommend that you review your transaction history to see if the merchant already posted a credit for the transaction before reaching out to us for any questions. '' As stated previously to the citi agent, the card used to make these purchases was NOT in my possession.

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 2025-03-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
NAME : XXXX XXXX XXXX XXXX " I have been disputing several inaccurate items on my credit report through the credit bureaus also with the FTC for several months about the credit reportioning company EXPERIAN agency. Despite providing substantial evidence to support my claims, the items remain on my report. These items are *XXXX XXXX** - **Account Number** : XXXX - **Balance** : {$820.00} - **Date Opened** : XX/XX/XXXX XXXX. XXXX XXXX - XXXX XXXX : XXXX - **Balance** : {$1100.00} - **Date Opened** : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX : XXXX - **Balance** : {$4900.00} - **Date Opened** : XX/XX/XXXX XXXX. XXXX XXXX : - **XXXX XXXX XXXX** Inquiry Date : XX/XX/XXXX XXXX *XXXX XXXX XXXX XXXX** Inquiry Date : XX/XX/XXXX I submitted required documentation,. However, I have not received a satisfactory resolution, and the inaccuracies persist. The credit bureaus have failed to remove or correct the disputed items, and I am now requesting that the CFPB intervene to ensure that my credit report is accurately updated and the dispute is handled in compliance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: TX

Complaint narrative:
NAME : XXXX XXXX XXXX XXXX " I have been disputing several inaccurate items on my credit report through the credit bureaus also with the FTC for several months about the credit reportioning company EXPERIAN agency. Despite providing substantial evidence to support my claims, the items remain on my report. These items are *XXXX XXXX** - **Account Number** : XXXX - **Balance** : {$820.00} - **Date Opened** : XX/XX/XXXX XXXX. XXXX XXXX - XXXX XXXX : XXXX - **Balance** : {$1100.00} - **Date Opened** : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX : XXXX - **Balance** : {$4900.00} - **Date Opened** : XX/XX/XXXX XXXX. XXXX XXXX : - **XXXX XXXX XXXX** Inquiry Date : XX/XX/XXXX XXXX *XXXX XXXX XXXX XXXX** Inquiry Date : XX/XX/XXXX I submitted required documentation,. However, I have not received a satisfactory resolution, and the inaccuracies persist. The credit bureaus have failed to remove or correct the disputed items, and I am now requesting that the CFPB intervene to ensure that my credit report is accurately updated and the dispute is handled in compliance with the Fair Credit Reporting Act.

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