vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 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:
PER THE FAIR CREDIT REPORTING ACT Section 605A. [ 15 U.S.C. 1681c-1 ] : I am sending you this letter to initiate my request for your company to place a security freeze and suppress from sharing ANY information about me : XXXX XXXX XXXX 

I do not consent nor authorize the sharing of my information to the public, specifically with data aggregators who are looking to collect information on my behalf. 

I would like to have my entire credit file REMOVED from your data institution. Please complete my following requests : Provide my Full Consumer File Disclosure of my credit profile : A complete overview, the set of documents & procedures and snapshot of my character including any credit information in association to my name and/or address listed in this document. 
Place a Security Freeze and suppress from sharing of any information about me to any other parties, unless otherwise expressly permitted by me in writing. 
Once completed, kindly write back no later than ( 5 ) days to confirm that you have in fact, placed a security freeze on my information as well as provide me with the information needed to verify the details of my information suppression. 

My Personal Information is clearly shown below : FULL NAME : XXXX XXXX XXXX : ( XXXX ) XXXX SS # : XXXX FULL CURRENT ADDRESS : XXXX XXXX XXXX XXXX, Michigan XXXX After this credit freeze has been filed, please send me written confirmation to the address listed above. 

Sincerely, Note : Attached you will find my drivers license. Please do not retain on record. Upon confirmation of my identity, you will need to purge the copy of the Drivers License attached. I do not authorize your company to store or share any of my Personal Identification.

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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
PER THE FAIR CREDIT REPORTING ACT Section 605A. [ 15 U.S.C. 1681c-1 ] : I am sending you this letter to initiate my request for your company to place a security freeze and suppress from sharing ANY information about me : XXXX XXXX XXXX 

I do not consent nor authorize the sharing of my information to the public, specifically with data aggregators who are looking to collect information on my behalf. 

I would like to have my entire credit file REMOVED from your data institution. Please complete my following requests : Provide my Full Consumer File Disclosure of my credit profile : A complete overview, the set of documents & procedures and snapshot of my character including any credit information in association to my name and/or address listed in this document. 
Place a Security Freeze and suppress from sharing of any information about me to any other parties, unless otherwise expressly permitted by me in writing. 
Once completed, kindly write back no later than ( 5 ) days to confirm that you have in fact, placed a security freeze on my information as well as provide me with the information needed to verify the details of my information suppression. 

My Personal Information is clearly shown below : FULL NAME : XXXX XXXX XXXX : ( XXXX ) XXXX SS # : XXXX FULL CURRENT ADDRESS : XXXX XXXX XXXX XXXX, Michigan XXXX After this credit freeze has been filed, please send me written confirmation to the address listed above. 

Sincerely, Note : Attached you will find my drivers license. Please do not retain on record. Upon confirmation of my identity, you will need to purge the copy of the Drivers License attached. I do not authorize your company to store or share any of my Personal Identification.

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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have account found on my report that are inaccurately reporting.

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 2025-05-09 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: IL

Complaint narrative:
I respectfully request that you block and delete the unauthorized accounts from my credit report promptly. I did not authorize or create these accounts and am unfamiliar with their origin. Per USC 1681g, I am asking for their removal within the next 15 days. Ive enclosed the necessary documents for your review. Additionally, the account information reported varies between credit bureaus and contains inaccuracies.

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 2025-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I requested documentation from the bureau, showing that this alleged debt is not mine. I ask for the original document of the contract, a chain of custody for the alleged debt, and a purchase agreement. I also ask for the chain of assignments. I haven't received any documentation showing that this alleged debt is mine, but the bureau basically sent me a letter stating it's been verified as accurate. According to FCRA 1681. I am not aware of some of the charge-offs and debts because they aren't mine. I have been sending in disputes over the last two years concerning this matter that the bureau has been overlooking, which has caused tremendous stress and anxiety towards allegations that aren't mine. I want the alleged debt DELETED

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 2025-05-09 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: TX

Complaint narrative:
b'I am writing to bring to your attention that fraudulent items continue to remain on my credit report, despite previous attempts to dispute them. These entries have not been deleted, and I have not received any satisfactory resolution from the credit bureaus. I kindly request your assistance in ensuring that these fraudulent items are removed from my report as soon as possible. I have taken all necessary steps to dispute these items, but they still persist on my credit file. Your prompt attention to this matter would be greatly appreciated to help rectify these inaccuracies.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-05-09 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:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent accounts from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent accounts identified in my Identity Theft Report. Below, you will find the listed accounts that I am urging to be promptly removed from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-05-09 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: CA

Complaint narrative:
I am writing to bring to your attention that fraudulent items continue to remain on my credit report, despite previous attempts to dispute them. These entries have not been deleted, and I have not received any satisfactory resolution from the credit bureaus. I kindly request your assistance in ensuring that these fraudulent items are removed from my report as soon as possible. I have taken all necessary steps to dispute these items, but they still persist on my credit file. Your prompt attention to this matter would be greatly appreciated to help rectify these inaccuracies : XXXX 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 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 2025-05-09 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: CA

Complaint narrative:
I am writing to bring to your attention that fraudulent items continue to remain on my credit report, despite previous attempts to dispute them. These entries have not been deleted, and I have not received any satisfactory resolution from the credit bureaus. I kindly request your assistance in ensuring that these fraudulent items are removed from my report as soon as possible. I have taken all necessary steps to dispute these items, but they still persist on my credit file. Your prompt attention to this matter would be greatly appreciated to help rectify these inaccuracies : XXXX 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 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 2025-05-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Servicer under contract with Federal Student Aid
State: NC

Complaint narrative:
I am a nurse for a big hospital here in XXXX XXXX, XXXX XXXX. I have been a nurse for 43 years and am currently paying a school loan off. I was able to get the PUBLIC SERVICE LOAN FORGIVENESS where if you have paid XXXX payments your finished with your loan etc. My loan servicer was XXXX and back in the summer of XXXX Federal Student Aid took over XXXX. Since then my payment count has NOT been adjusted since XX/XX/year>. I continue to pay XXXX a month and no where on FSA does it show my payments. I have tried getting State Legislature office to help me, State Attorney to help me, State arrorneys office to help me and Ive written the Governor. As of XX/XX/year> my count was XXXX. I have paid once a month since. Every time I call thry say we are working on it.

I need help. 

XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-05-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TN

Complaint narrative:
I started my XXXX XXXX in XXXX. By XXXX I had ceased my XXXX  program and filed a complaint ( borrowers defense act ) with studentaid.gov. The complaint can take up to three years and during that time my loans should be in a forbearance. However MOHELA is claiming they have no record of this whatsoever. I have called numerous times over the years. To both departments and have gotten nowhere. MOHELA has a 4 to 5 hour hold time each time I attempt to Speak to anyone. And now Im about to be sent to collections for something MOHELA refuses to acknowledge

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: Early Warning Services, LLC
State: VA

Complaint narrative:
The Fair Credit Reporting Ac

t ( 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: MO

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-05-09 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: AZ

Complaint narrative:
I am writing to formally request that Transunion block and delete any and all inquiries in my name that were associated with the recent XXXX  data breach, pursuant to 15 U.S.C. 1681c-2 ( a ). As a victim of this data breach, I am concerned about the potential for fraudulent accounts or identity theft associated with my personal information.

According to 15 U.S.C. 1681c-2 ( a ), I have the right to request that XXXX block and delete inquiries and information resulting from identity theft. This includes a hard inquiry from XXXX XXXX requested on XX/XX/XXXX ; a hard inquiry from XXXX requested on XX/XX/XXXX ; and a hard inquiry from XXXX XXXX XXXX requested on XX/XX/XXXX. Please initiate the blocking and deletion process for any fraudulent inquiries or information that may have resulted from this breach.

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 2025-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America closed my account and marked credit negatively errantly. Multiple phone calls attempted to address to no avail. Account closed 6 weeks ago for what in my case was an errant late payment determination. I believe the bank erred in this determination. I was told to expect disbursement for monies owed from my account and a letter of explanation. I have not received any communication at all from Bank of America. I have been a customer of this institution for 35 years. Highly disappointed.

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 2025-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This fraudulent inquiries are affecting my ability to obtain credit I need them removed 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 2025-05-09 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: FL

Complaint narrative:
This fraudulent inquiries are affecting my ability to obtain credit I need them removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: NJ

Complaint narrative:
I am writing to formally dispute a fraudulent charge on my credit card account [ Account Number : XXXX. I did not authorize the transaction described below and request that it be removed from my account immediately. 

Details of the fraudulent transaction : Date of transactionXXXX Merchant name : XXXXXXXX XXXX  Amount charged : {$7300.00} I became aware of this unauthorized charge on [ Date you noticed the charge ] when reviewing my credit card statement. I have no knowledge of this transaction and did not authorize anyone to use my credit card for this purchase. I suspect that my account may have been compromised and am taking the necessary steps to protect my identity. 

In accordance with the Fair Credit Billing Act ( FCBA ), I am requesting that you investigate and resolve this matter promptly. Please confirm in writing that the charge has been removed and that my account has been credited for the disputed amount. 

Enclosed are copies of [ supporting documents such as your statement with the charge highlighted, a fraud affidavit, or any correspondence related to the dispute ]. 

Please acknowledge receipt of this letter and keep me informed of the progress and outcome of your investigation. I appreciate your prompt attention to 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 2025-05-09 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: NJ

Complaint narrative:
I am writing to formally dispute a fraudulent charge on my credit card account [ Account Number : XXXX. I did not authorize the transaction described below and request that it be removed from my account immediately. 

Details of the fraudulent transaction : Date of transactionXXXX Merchant name : XXXXXXXX XXXX  Amount charged : {$7300.00} I became aware of this unauthorized charge on [ Date you noticed the charge ] when reviewing my credit card statement. I have no knowledge of this transaction and did not authorize anyone to use my credit card for this purchase. I suspect that my account may have been compromised and am taking the necessary steps to protect my identity. 

In accordance with the Fair Credit Billing Act ( FCBA ), I am requesting that you investigate and resolve this matter promptly. Please confirm in writing that the charge has been removed and that my account has been credited for the disputed amount. 

Enclosed are copies of [ supporting documents such as your statement with the charge highlighted, a fraud affidavit, or any correspondence related to the dispute ]. 

Please acknowledge receipt of this letter and keep me informed of the progress and outcome of your investigation. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation