vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In XX/XX/2017 Equifax, transunion, and Experian, all had a data breach and since then I see accounts and inquiries that are not mine. 15 U.S. code 1681

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 2025-03-02 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: MI

Complaint narrative:
In XX/XX/2017 Equifax, transunion, and Experian, all had a data breach and since then I see accounts and inquiries that are not mine. 15 U.S. code 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: TX

Complaint narrative:
I am writing to formally dispute several inaccurate and fraudulent accounts currently appearing on my Equifax credit report. Despite providing supporting documentation, Equifax has failed to correct or remove this inaccurate information, which is negatively affecting my credit profile. 

1. Fraudulent Accounts Opened in My Name I have been a victim of identity theft, and several fraudulent accounts have been reported under my credit file. I have attached : A police report documenting the identity theft. 
An FTC Identity Theft Report and affidavit submitted to XXXX for the removal of fraudulent accounts. 
Despite submitting these documents, Equifax has not updated its records to remove these fraudulent accounts. I demand the immediate deletion of these accounts from my credit file in compliance with the Fair Credit Reporting Act ( FCRA ). 

2. Incorrect Account Balances XXXX XXXX XXXX I have accounts from XXXX XXXX XXXX  showing an incorrect balance on my credit report, even though these accounts have a XXXX balance. This inaccurate reporting is misleading and must be corrected immediately. 

3. XXXX XXXX XXXX Settlement Agreement Not Reflected I entered into a settlement agreement with XXXX XXXX XXXX, in which I was assured that upon payment, the accounts would be removed from my credit file. Despite fulfilling my obligations under this agreement, Equifax has not updated my report, and the accounts are still negatively impacting my credit. 

4. Equifax Data Breach and Failure to Protect Consumer Information As you are aware, Equifax has previously compromised consumer data through its data breach, exposing my personal information. It is unacceptable that Equifax continues to report fraudulent accounts tied to my identity without taking the necessary corrective actions. 

Immediate Action Required Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), I demand that Equifax immediately investigate and correct these inaccuracies within the legally required 30-day timeframe.

Failure to act on this matter will result in further escalation, including complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential legal action to enforce my rights. 

Please provide written confirmation once these inaccuracies have been removed and my report has been updated. I expect a formal response within 30 days, per FCRA guidelines. 


Attachments : Police Report FTC Identity Theft Report Affidavit to XXXX Settlement Agreement with XXXX XXXXXXXX XXXX  Any other supporting documents

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: TX

Complaint narrative:
I am writing to formally dispute several inaccurate and fraudulent accounts currently appearing on my Equifax credit report. Despite providing supporting documentation, Equifax has failed to correct or remove this inaccurate information, which is negatively affecting my credit profile. 

1. Fraudulent Accounts Opened in My Name I have been a victim of identity theft, and several fraudulent accounts have been reported under my credit file. I have attached : A police report documenting the identity theft. 
An FTC Identity Theft Report and affidavit submitted to XXXX for the removal of fraudulent accounts. 
Despite submitting these documents, Equifax has not updated its records to remove these fraudulent accounts. I demand the immediate deletion of these accounts from my credit file in compliance with the Fair Credit Reporting Act ( FCRA ). 

2. Incorrect Account Balances XXXX XXXX XXXX I have accounts from XXXX XXXX XXXX  showing an incorrect balance on my credit report, even though these accounts have a XXXX balance. This inaccurate reporting is misleading and must be corrected immediately. 

3. XXXX XXXX XXXX Settlement Agreement Not Reflected I entered into a settlement agreement with XXXX XXXX XXXX, in which I was assured that upon payment, the accounts would be removed from my credit file. Despite fulfilling my obligations under this agreement, Equifax has not updated my report, and the accounts are still negatively impacting my credit. 

4. Equifax Data Breach and Failure to Protect Consumer Information As you are aware, Equifax has previously compromised consumer data through its data breach, exposing my personal information. It is unacceptable that Equifax continues to report fraudulent accounts tied to my identity without taking the necessary corrective actions. 

Immediate Action Required Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), I demand that Equifax immediately investigate and correct these inaccuracies within the legally required 30-day timeframe.

Failure to act on this matter will result in further escalation, including complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential legal action to enforce my rights. 

Please provide written confirmation once these inaccuracies have been removed and my report has been updated. I expect a formal response within 30 days, per FCRA guidelines. 


Attachments : Police Report FTC Identity Theft Report Affidavit to XXXX Settlement Agreement with XXXX XXXXXXXX XXXX  Any other supporting documents

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
I cancelled an XXXX XXXX XXXX account in XXXX  and closed it out. I received a letter in the mail Radius Global Solutions LLC claiming they were collecting for XXXX XXXX XXXX. I cleared that account and the account shows nothing due. I suspect this is an attempt to get me to pay something I do not owe. 

Date XX/XX/year> Amount : {$46.00} First contact from this company

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 2025-03-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
XX/XX/XXXX- {$3100.00} XX/XX/XXXX- {$1800.00} XX/XX/XXXX- {$1000.00} Dept of Ed is charging me with these amounts and my credit score decreased by XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: World Acceptance Corporation
State: GA

Complaint narrative:
I would like all late payments & inquiries  removed etc

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: DISCOVER BANK
State: GA

Complaint narrative:
I would like all late payments & inquiries  removed etc

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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.

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 2025-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: FORD MOTOR CREDIT CO.
State: GA

Complaint narrative:
i had a horrible year lost my job and couldn't replace the income i was generating I talked with XXXX XXXX  and they just came and took my XXXX  and i didn't ask for that and they wouldn't provide me with my original loan documents for the loan

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$800.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$260.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$130.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$440.00}

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 non-monetary relief
Consumer complaint received 2025-03-02 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) 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 explanation
Consumer complaint received 2025-03-02 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) 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 2025-03-02 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: PA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 1 S U.S. Code 1681 e ( b } Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681 i ( S ) Treatment of inaccurate or unverifiable information ( A ) ln general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : 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 2025-03-02 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: CO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, TransUnion, Equifax, and Experian deleted and block information appearing on my consumer credit report that is the result of identity theft and fraud within at least 4 days of you receiving this complaint. The fraudulent, inaccurate, and false information of a personal credit card account, personal loan, and an auto loan opened. Also due to the data breach from Equifax which also caused my information to be exposed. 

XXXX account XXXX XXXX opened on XX/XX/XXXX XXXX XXXX XXXX account # XXXX opened on XX/XX/XXXX XXXX XXXX XXXX Opened on XX/XX/XXXX account # XXXXXXXX XXXX XXXX XXXX  Opened XXXX XX/XX/XXXX account # XXXX XXXX account # XXXX opened on XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX These fraudulent accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer credit report. 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 # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and charge offs 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 2025-03-02 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: NJ

Complaint narrative:
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.

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 2025-03-02 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: IN

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Collections XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$7700.00} XXXX {$2400.00} XX/XX/XXXX XXXX {$210.00} XX/XX/XXXX XXXXXXXX XXXX {$13000.00} XX/XX/XXXXXXXX XXXX XXXX {$7700.00} XX/XX/XXXX Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Card 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 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 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  Data breach happened, per 15 USC 1681c2 please clock and delete these items within 4 business days

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-03-02 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: IN

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach :. Collections Accounts XXXX XXXX XXXX XXXX {$7700.00} XXXX {$2400.00} XX/XX/XXXX XXXX {$210.00} XX/XX/XXXX XXXX XXXX {$13000.00} XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/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 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 Data breach happened, per 15 USC 1681c2 please block and delete these items within 4 business days

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: MOHELA
State: AL

Complaint narrative:
XXXX  XXXX of XXXX lied to me about the accreditation status. They told me that they would be a stepping stone to the school that I wanted to attend after my time their had be completed. I told the financial aid department what school that I wanted, and they assured me that the credits would transfer to that school. When it came time for me to inquire about transferring, that's when they let me know the truth about the schools that would accept their credits. Only two, which of course neither were the school that I wanted to attend. I dropped about for a few months out of frustration but didn't want to lose all the progress I made, so I felt like the only option I had to return to XXXX  XXXX obtain my degree as that was my ultimate goal. The school is now closed and the amount owed is completely astronomical for a now defunct school. I feel as if it was a for profit school to make someone rich quick and move on and leave the students in debt. I can no longer use the degree that I obtain out of pure pressure to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation