vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 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:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX  data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-07-03 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: VA

Complaint narrative:
Im reaching out because theres a serious issue on my credit report that needs to be fixed immediately. Theres an account listed under my name that doesnt belong to me it belongs to someone else. Somehow, my credit file has been mixed up with theirs, and this inaccurate information is unfairly dragging down my credit history. 

Let me be absolutely clear : this account is not mine, and I did not authorize it in any way. Its a mistake that has no place on my report, and I expect it to be removed without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: KS

Complaint narrative:
Saturday XX/XX/XXXX i sent {$600.00} to XXXX XXXX for a set of wheels have yet to recieve any wheels or my money back have heard nothing but excuses have sent a report to Cash App and they have yet to respond. just want them to get my money back have more than XXXX pictures showing the seller stalling leading me on and plain and simple just not giving me the wheels or my money back. this was a scam and i want my money back and Cash App is not doing nothing to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: SC

Complaint narrative:
I've recently received a copy of my credit report and noticed several accuracies and unauthorized accounts information reporting to my credit report. These remarks have been detrimental to my credit my life and credit health.

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 2025-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Control, LLC
State: NV

Complaint narrative:
The debt collector Credit control LLC has violates the The Fair Debt Collection Practices Act ( FDCPA ) : prohibits debt collectors from engaging in repeated or continuous phone calls intended to annoy, abuse, or harass you or others.

1006.14 Harassing, oppressive, or abusive conduct. 

They have contacted me more than once on a daily basis, per my call log : twice on Monday XX/XX/XXXXXXXX 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 2025-07-03 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: CA

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: GA

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: MO

Complaint narrative:
My statement is for issues and fraudulent activities currently appearing on my credit report. I am exercising my rights to have these unauthorized accounts removed immediately. These are the collections that are unlawfully appearing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And the Inquiries that are appearing on my credit report unlawfully are the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Theses are all fraudulent accounts that are appearing.

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 2025-07-02 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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: GA

Complaint narrative:
Complaint to the Consumer Financial Protection Bureau ( CFPB ) In XX/XX/2024, I submitted documentation to Equifax, TransUnion, Experian,  and XXXX to correct the spelling of my legal name. I provided : A copy of my drivers license A copy of my Social Security card A recent utility bill verifying my current address All of these documents clearly show my correct legal name : XXXX XXXX XXXX. 

Despite providing sufficient, government-issued identification, none of the agencies made the requested correction. Each continues to report my name incorrectly and inconsistently : Experian : Lists my name as XXXX XXXX XXXX ( correct ) TransUnion : Lists my name as XXXX XXXX XXXX Equifax : Lists my name as XXXX XXXX These variations have led to inaccurate and inconsistent information across my credit reports, which is negatively affecting my credit and the ability to resolve identity-related errors including the wrongful association of a bankruptcy that does not belong to me. 

All XXXX agencies are in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy in the information they report.

I am requesting that the CFPB require these agencies to : Correct the spelling of my name on all records to reflect the accurate and verified legal name : XXXX XXXX XXXX Update their systems and reports accordingly and notify all parties who received incorrect reports Provide written confirmation of the changes made Thank you for your assistance in resolving this issue. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: GA

Complaint narrative:
Complaint to the Consumer Financial Protection Bureau ( CFPB ) In XX/XX/2024, I submitted documentation to Equifax, TransUnion, Experian,  and XXXX to correct the spelling of my legal name. I provided : A copy of my drivers license A copy of my Social Security card A recent utility bill verifying my current address All of these documents clearly show my correct legal name : XXXX XXXX XXXX. 

Despite providing sufficient, government-issued identification, none of the agencies made the requested correction. Each continues to report my name incorrectly and inconsistently : Experian : Lists my name as XXXX XXXX XXXX ( correct ) TransUnion : Lists my name as XXXX XXXX XXXX Equifax : Lists my name as XXXX XXXX These variations have led to inaccurate and inconsistent information across my credit reports, which is negatively affecting my credit and the ability to resolve identity-related errors including the wrongful association of a bankruptcy that does not belong to me. 

All XXXX agencies are in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy in the information they report.

I am requesting that the CFPB require these agencies to : Correct the spelling of my name on all records to reflect the accurate and verified legal name : XXXX XXXX XXXX Update their systems and reports accordingly and notify all parties who received incorrect reports Provide written confirmation of the changes made Thank you for your assistance in resolving this issue. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: VA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX  XXXX Subject : Formal Complaint Against XXXX and MOHELA for Unlawful Practices and Mishandling of My Student Loan Account Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against XXXX XXXX, XXXX, and MOHELA ( Missouri Higher Education Loan Authority ) for repeated violations of federal consumer protection laws, deceptive business practices, and mishandling of my student loan account, which have directly harmed me as a borrower. 

I am aware that both XXXX  and MOHELA have faced legal action for violations of federal law, including allegations of : * Providing misleading or incomplete information to borrowers ; * Mismanaging student loan accounts, causing undue financial hardship; * Failing to apply payments and process income-driven repayment plans correctly ; * Engaging in deceptive and abusive servicing practices; * Violating borrower protections under federal student loan regulations. 
* In my own experience, I have faced issues that include but are not limited to : * [ Briefly describe your situation : e.g., receiving inaccurate information about repayment plans, misapplying payments, being placed in forbearance instead of income-driven repayment, unauthorized access to your private account data, etc. ] * I also have serious concerns that my privacy rights under FERPA and other federal laws were violated, potentially exposing my personal financial and educational data to unauthorized individuals.

* These actions have caused me financial harm, emotional distress, and confusion regarding the true status of my student loans. I have attempted to resolve these issues directly with XXXX and MOHELA, but their responses have been inadequate, dismissive, or evasive. 
I respectfully request that the CFPB : * Investigate XXXX  and MOHELAs servicing of my account and the specific violations I have experienced; * Require them to provide an audit of my account access and servicing history ; * Seek full corrective action, including possible financial restitution or loan discharge where appropriate ; * Enforce all applicable penalties for violations of the law. 
* Please contact me if additional documentation is required. I am requesting your assistance in protecting my consumer rights and holding these servicers accountable for harming student loan borrowers like me. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
A year and a half ago, I had signed up with XXXX, a consolidation company that lowered my interest and they take the lump payment with their fees out of my account every month on the XXXX of every month. This company was bought out by XXXX. I have the statement that shows these companies were all paid every month out of my account. These companies are XXXX XXXX XXXX shows 30 days late XXXX of XXXX ) Synchrony Pay Pal- shows 30 days late XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( they would not provide how to dispute it directly with them ) and XXXX XXXXXXXX XXXX showing 30 days late on XX/XX/XXXX. When I received an odd bill from them in the mail I made an additional payment to them. I have included that statement as well. I have also included the XXXX statement as far back as they go when they bought out 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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
A year and a half ago, I had signed up with XXXX, a consolidation company that lowered my interest and they take the lump payment with their fees out of my account every month on the XXXX of every month. This company was bought out by XXXX. I have the statement that shows these companies were all paid every month out of my account. These companies are Comenity XXXX XXXX shows 30 days late XXXX of XXXX XXXX XXXX XXXX XXXX  shows 30 days late XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( they would not provide how to dispute it directly with them ) and Comenity XXXX  - showing 30 days late on XX/XX/XXXX. When I received an odd bill from them in the mail I made an additional payment to them. I have included that statement as well. I have also included the XXXX statement as far back as they go when they bought out XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 
XXXX FRAUDULENT ACCOUNTS : UNKNOWN # XXXX -- - Opened : XX/XX/2024

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: IL

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-07-03 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:
I am filing this complaint because Experian is reporting inaccurate information on my credit report that is negatively impacting my credit score. The account in question is associated with XXXX XXXX XXXXXXXX XXXX XXXX XXXX, a company I have never done business with and have no known relationship to. 
I have not received any notice, validation, or documentation regarding this alleged debt. Despite this, Experian continues to report the account, which is causing significant harm to my creditworthiness and financial reputation. 
I am formally requesting that Experian conduct a thorough investigation into this matter, remove the inaccurate information, and provide written confirmation once the correction has been made. 
This false reporting may be in violation of the Fair Credit Reporting Act ( FCRA ), and I am seeking immediate resolution.

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 2025-07-03 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: MO

Complaint narrative:
My statement is for issues and fraudulent activities currently appearing on my credit report. I am exercising my rights to have these unauthorized accounts removed immediately. These are the collections that are unlawfully appearing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And the Inquiries that are appearing on my credit report unlawfully are the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Theses are all fraudulent accounts that are appearing.

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