vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-09 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: GA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your 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 2025-06-09 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: IL

Complaint narrative:
I ama victim of Identity Theft and Discover Bank was notified of such as well as the three national credit bureaus. I was XXXX  at the time my information was used to open an account with Discover. I have never authorized an account with Discover, nor have I given anyone permission to use my information. Discover Bank sent Form 1099-C cancellation of Debt for tax year XXXX. That is a write off of the fraudulent debt and has been reported to the IRS as such. Yet Discover is still re reporting this account after the credit bureaus have been removing the fraudulent debt due to Identity Theft. Discover Bank needs to stop adding a fraudulent closed debt to my credit report that has already been cancelled and reported to the IRS as such. By law when a creditor issues a 1099-C cancellation of debt to the IRS for a charged-off account, it means that {$600.00} or more is no longer payable to the creditor. The IRS considers this taxable income for the debtor, and they may have to pay taxes on the forgiven debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: FL

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

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 2025-06-09 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: Servicer under contract with Federal Student Aid
State: OH

Complaint narrative:
I have no acknowledgment of this account. My purse was stolen, during that time period and I have XXXX that caused me not to dispute this collection account. My Drivers License, Social Security XXXX and Birth Certificate were stolen along with several credit cards. I want this collection removed from my credit report. Thank you

Company response to consumer: Untimely response
Consumer complaint received 2025-06-09 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: CT

Complaint narrative:
b'I have 6 Parent Plus loans that I am trying to consolidate with another provider. I am unemployed and they cannot do the consolidation if still in forbearance. I have gone to every website on the number they provided and have called to speak to someone who usually transfers me to the expert team where the wait time is 1 1/2 hours and then they hang up. \n\nMeanwhile the interest piles up. Can I sue them? Most ridiculous and time consuming place I ever dealt with with. They clearly want the interest to rack up . Almost scam like.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Theres an account showing up on my credit report that doesnt belong to me. Its clearly been mixed with my information, and this is causing serious confusionand potential harm to my credit.

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 2025-06-09 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: MOHELA
State: AR

Complaint narrative:
My personal and financial information was compromised without my authorization. 
The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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:
They violated my rights as a consumer under 15 USC 1681B and i need these accounts blocked and removed as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-06-09 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: FL

Complaint narrative:
They violated my rights as a consumer under 15 USC 1681B and i need these accounts blocked and removed as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: NY

Complaint narrative:
The following email has been received twice by me so far, and not only is them asking me for my PIN number very suspicious, I'm not even sure it's legal. Chime is a middleman between myself and XXXX XXXX I'm not sure whether they even have my PIN number to verify it or whether they're just trying to obtain it and for what legitimate business purpose. Here is the email : Chime Your debit card PIN needs your attention Hi XXXX XXXX, Please verify your debit card PIN by the end of the month to keep it up to date. Rest assured, everything is secure.

Your 4-digit debit card PIN is needed for these transactions : ATM transactions POS transactions ( any purchases made with your card like gas, groceries, etc. ) Cashback withdrawals over the counter Simply verify your 4-digit debit card PIN by keeping your current one or setting a new one in the Chime app. 
Verify debit card PIN from Chime Questions? Were here to help. 

Chime XXXX XXXX XXXX XXXX XXXX  Chime Financial , Inc. All rights reserved. 
XXXX XXXX XXXX, XXXX XXXX, CA XXXX Please do not reply to this email. The account isnt monitored, and we dont want to miss hearing from you. 

Chime is a financial technology company, not an FDIC-insured bank. Banking services provided by XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX insurance covers the failure of an insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. 

The Chime XXXX  Debit Card and the Chime Credit Builder Visa Credit Card are issued by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, pursuant to licenses from XXXX XXXX XXXX and may be used everywhere XXXX debit or credit cards are accepted. Please see back of your Card for its issuing bank.

This email was sent to you because you have a Chime account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Kikoff Inc.
State: IN

Complaint narrative:
I was paying kick off for months on time I ain't see a raise in my credit and lost my card and job so I couldn't pay and was closed and it on my credit and it's hurting me I need help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
The servicing of my mortgage account was transferred from XXXXXXXX XXXX to Select Portfolio Servicing , Inc. ( SPS ) on XX/XX/year>. At the time, I had Flood Insurance and Homeowners ' Insurance, as it was required since we purchased our home. I always paid Taxes and Insurance separately and on time. The Homeowners ' policy did not include Wind Insurance because it was not a requirement by the state of Florida or the prior Mortgage Company. On XX/XX/XXXX, I received a letter from SPS requesting that I obtain Wind Insurance. I had to get new inspections and contacted my insurance agent to add Wind Coverage to the current policy, as SPS was threatening to place their own policy with a premium of more than {$20000.00} per year. I was eventually able to obtain wind coverage, which is not an easy task, but now SPS is charging {$4500.00} to our account for less than three months of lapse in wind coverage. There is no such lapse in coverage because Wind insurance was never a condition on my loan. This is something SPS is imposing after we purchased the home. It is incredibly challenging to speak with someone from SPS, and I have not been able to settle this issue. This charge is outrageous and predatory ; I need your assistance in resolving this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: 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 2025-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To : Consumer Financial Protection Bureau From : XXXX XXXX Subject : Dispute of Inaccurate Collection Account XXXX, XXXX XXXX XXXX Date : XX/XX/2025 Complaint : On or around XX/XX/2025, a new collection account was added to my credit report by XXXX XXXX XXXX XXXX XXXX for an alleged debt originally claimed by XXXX XXXX XXXX XXXX XXXX. I am disputing the validity, accuracy, and reporting of this account for the following reasons : 1. No Prior Notice or Validation Provided : I was never contacted by XXXX XXXX XXXX XXXX XXXX prior to the appearance of this collection on my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g, I have a right to receive written validation of any alleged debt before it is reported or pursued.

2. Failure to Validate Before Reporting : Reporting a collection to credit bureaus without first providing proper validation violates both the FDCPA and Fair Credit Reporting Act ( FCRA ). I did not receive a validation notice within five days of initial contact ( which, again, never occurred ), nor was I given the opportunity to dispute the debt within 30 days.

3. Potential Inaccuracies and Derogatory Impact : The sudden appearance of this account has negatively impacted my credit standing. Since I was not made aware of this alleged debt, nor given a chance to address or dispute it beforehand, the reporting is harmful and potentially inaccurate.

4. Lack of Documentation from Original Creditor : I have not received any contractual agreement, account statements, or other documentation substantiating that I owe this debt to XXXX XXXX XXXXXXXX XXXX XXXX  I request proof of the alleged debt, a full accounting of the amount claimed, and a copy of any original signed agreement.

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 2025-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 non-monetary relief
Consumer complaint received 2025-06-09 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: NY

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 explanation
Consumer complaint received 2025-06-09 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: NC

Complaint narrative:
I am writing to formally request the removal of fraudulent information from my credit file. I am a victim of identity theft, and there are multiple accounts and inquiries listed on my credit report that I did not authorize or apply for. These items are not accurate and do not belong to me. 

In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you block and remove the unauthorized accounts and inquiries from my credit report. Attached to this letter, you will find a list of the disputed items as well as a copy of my Identity Theft Report filed with the Federal Trade Commission. 

Please take the necessary steps to investigate and delete these items from my credit report as soon as possible. I appreciate your prompt attention to this matter and request written confirmation once the corrections have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am filing this complaint because multiple fraudulent or unauthorized accounts are being reported on my credit reports with TransUnion and Experian. I believe these may be linked to past data breaches or identity theft. I have already filed written disputes with both credit bureaus, requesting full verification of the accounts, but I want the CFPB to be aware of this situation in case the bureaus do not comply or fail to fully investigate. My reports also show multiple incorrect name variations and old addresses, which further suggest my information has been compromised. I am requesting that these inaccurate, fraudulent, or unverifiable accounts be removed from my reports immediately

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 2025-06-09 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: OH

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block - 15 USC 1681i ( 5 ) - 15 USC 1681i ( a ) 1 - 15 USC 1681i ( a ) 6 ( B ) 3 - 15 USC 1681i ( a ) ( 5 ) B 15 USC 1692A 15 USC 1692A-3 15 USC 1692A5 15 USC 1681IS-2 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than PLEASE REMOVE ALL ACCOUNTS A.S.A.P 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-06-09 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:
Due to unauthorized activity stemming from a data breach, fraudulent accounts now appear on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), please block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts UNAUTHORIZED COLLECTION - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$500.00}

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 2025-06-09 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: FL

Complaint narrative:
Due to unauthorized activity stemming from a data breach, fraudulent accounts now appear on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), please block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts UNAUTHORIZED COLLECTION - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$500.00}

Company response to consumer: Closed with non-monetary relief