vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GU

Complaint narrative:
I been trying to fix this problem, and am getting too sick already especially Equifax is for-longing there process of it investigation. I have request to them for a long time for the following documentation. As I attached my letters back are coming back to me about my credit report and still freeze.

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

Complaint narrative:
UPON OPENING MY CREDIT REPORT I REALIZED THAT THERE WERE INCORRECT UNAUTHORIZED INFORMATION ON MY CREDIT XXXX XXXX XXXX XXXX XXXX VA XXXX ( Address ) XXXX XXXX XXXX, XXXX VA XXXX ( Address ) XXXX XXXX ( Employment )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: TX

Complaint narrative:
XXXX XXXX XXXX personal and financial information was compromised without my authorization. I am filing a formal complaint under the Family Educational Rights and Privacy Act ( FERPA ) regarding an unauthorized access and disclosure of my financial aid records. 
XXXX XXXX and his team DOGE accessed my private account and data. They are unauthorized parties and they did not have my permission to access my records. This according to the court of law is a breach of privacy. The Family Educational Rights and Privacy Act ( FERPA ) strictly prohibits unauthorized access, modification or deletion of student records without the explicit consent of the student or borrower only. Your failure to properly address my dispute constitutes a blatant violation of federal law which carries significant legal consequences.

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 am formally escalating my demands and expect the following action within 15 days : * A comprehensive investigation * A full documented investigation into the unauthorized access and deletion of my student loan records. 
* I request that you immediately cancel and discharge my student loan debt in full. 

I expect a written summary detailing your findings. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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:
XXXX XXXX XXXXXXXX personal and financial information was compromised without my authorization. I am filing a formal complaint under the Family Educational Rights and Privacy Act ( FERPA ) regarding an unauthorized access and disclosure of my financial aid records. 
XXXX XXXX and his team DOGE accessed my private account and data. They are unauthorized parties and they did not have my permission to access my records. This according to the court of law is a breach of privacy. The Family Educational Rights and Privacy Act ( FERPA ) strictly prohibits unauthorized access, modification or deletion of student records without the explicit consent of the student or borrower only. Your failure to properly address my dispute constitutes a blatant violation of federal law which carries significant legal consequences.

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 am formally escalating my demands and expect the following action within 15 days : * A comprehensive investigation * A full documented investigation into the unauthorized access and deletion of my student loan records. 
* I request that you immediately cancel and discharge my student loan debt in full. 

I expect a written summary detailing your findings. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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:
XXXX XXXX My personal and financial information was compromised without my authorization. I am filing a formal complaint under the Family Educational Rights and Privacy Act ( FERPA ) regarding an unauthorized access and disclosure of my financial aid records. 
XXXX XXXX and his team DOGE accessed my private account and data. They are unauthorized parties and they did not have my permission to access my records. This according to the court of law is a breach of privacy. The Family Educational Rights and Privacy Act ( FERPA ) strictly prohibits unauthorized access, modification or deletion of student records without the explicit consent of the student or borrower only. Your failure to properly address my dispute constitutes a blatant violation of federal law which carries significant legal consequences. 

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 am formally escalating my demands and expect the following action within 15 days : * A comprehensive investigation * A full documented investigation into the unauthorized access and deletion of my student loan records. 
* I request that you immediately cancel and discharge my student loan debt in full. 

I expect a written summary detailing your findings. 

Sincerely, XXXX XXXX XXXX

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

Complaint narrative:
Ive asked all three credit reporting agencies to remove inaccurate addresses from my consumer report and no action has been taken Ive never stayed at the addresses disputed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AR

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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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:
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 2025-05-05 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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

Complaint narrative:
I recently reviewed my credit report. I found numerous inquiries from creditors who I did not give permission to pull my credit report. These inquiries are fraudulent. Please remove these fraudulent inquiries from my credit reportXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have applied in XX/XX/year> for an american express card and was denied. Upon receiving my denial letter it stated that there was activity on a previous card and therefore could not approve my application. I informed Amex that I never authorized anybody to open an account under my name, or to add me as a authorized user. Im upset because amex has done nothing regarding this issue and I want this taken off my amex system. I really want an Amex card and have worked hard to have my credit score in good credit satus, and I dont want a fraudulent account stop me from one day being an Amex customer. Please remove this account from Amex records. Thank you

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

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  XXXX - XXXX XXXX OF XXXX - XXXX XXXX  - XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX  - XXXX List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX 15 U.S.C 1681 Section 604 A Section 2 : It also states a 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 records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: MOHELA
State: PA

Complaint narrative:
An old student loan which has existed since XXXX is now showing as new on my credit report under the name XXXX XXXXXXXX XXXX. It has negatively impacted my credit score even though it appears the only change is the name from MOHELA to XXXX XXXXXXXX XXXX. My credit score decreased 10XXXX pts

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

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/ closed accounts XXXX XXXX {$850.00} XXXX {$420.00} XXXX XXXX {$100.00} XXXXXXXX XXXX {$1000.00} XXXX {$300.00} XXXX {$2000.00} XXXX {$1200.00} XXXX {$2400.00} XXXX XXXX {$300.00} Inquiries 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 non-monetary relief
Consumer complaint received 2025-05-05 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: RI

Complaint narrative:
Due to a data breach, my personal information was compromised, resulting in unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me but remain on my report, adversely affecting my credit profile. Despite my efforts to resolve these inaccuracies, they persist, raising significant concerns about the security of my personal information and the accuracy of 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 explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear TransUnion, I am writing to formally dispute the reporting of a charge-off account listed on my credit file, which continues to show a current outstanding balance. This is inaccurate and potentially misleading. 
ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX According to the Fair Credit Reporting Act, specifically : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) credit reporting agencies must conduct a reasonable reinvestigation of disputed information, and 15 U.S.C. 1681i ( a ) ( 6 ) ( A ) upon completion of an investigation, the consumer must be provided with a description of the procedure used to determine the accuracy and completeness of the information, within 15 days.

A charged-off account represents a debt that the original creditor has written off as a loss, and once that status is applied, it should not reflect a current balance owed to the original creditor. If a balance is reported, it gives the false impression that the account is both delinquent and active, violating the standards of accurate credit reporting. 
Please investigate this matter. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2025-05-05 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: AR

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XXXX XX/XX/year>, someone hacked my XXXX account and made purchases on my Citi Bank credit card worth XXXX USD. XXXX detected suspicious activity on XXXX XXXX but the order was delivered by then and my card was charged with the amount. 

On XXXX XXXX, i raised a chargeback request but after a month Citi closed the dispute against me for choosing an incorrect option in dispute. I have confirmed emails from XXXX about this suspicious activity and has asked me to work with my credit card company but Citi isn't helping. I also have a police report for this issue.

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 2025-05-05 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 writing to dispute certain information on my credit report that I believe to be the result of identity theft, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), Section 605B.

In accordance with FCRA Section 605B, I request that you block the reporting of these items from my credit file within the required time frame.

This was already removed from my credit from a previous complaint now it has been returned under a different collection agency. 
If does remove within 4 days I am going to sue!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief