vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute the unauthorized inquiries listed on my credit report, which are fraudulent in nature, these inquiries appear on my credit file. 

As a victim of identity theft, I have taken all necessary steps to address this issue, including contacting the institutions associated with these inquiries and providing comprehensive documentation to substantiate my claims. Despite this efforts, your bureau has yet to resolve this matter satisfactorily. 

It is essential to note that the fraudulent nature of these inquiries have been confirmed by the respective institutions, and they have assured me that this inquiry was erroneous and should be removed. Furthermore, please removed these unauthorized inquiries from their records. 

Therefore, I am perplexed and concerned by your bureau 's continued reporting of these fraudulent inquiiesy. This ongoing issue not only undermines the accuracy of my credit report but also causes significant distress and potential financial harm to me. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-04-01 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: CA

Complaint narrative:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion.XXXX XXXX XXXX  XXXX Balance : {$3100.00} XXXX XXXX XXXX  XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX Balance : {$3100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion.XXXX XXXX XXXX  XXXX Balance : {$3100.00} XXXX XXXX XXXX  XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX Balance : {$3100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: MS

Complaint narrative:
In XXXX of XXXX, my boyfriend had an advance from his XXXX settlement deposited into my SOFI account. After a few transfers, the account was flagged for ID verification. Despite having done this repeatedly, they refused to unfreeze it. So it was frozen until XX/XX/XXXX of XXXX, when I received an email from SOFI stating that they closed the account and returned the money to the originator, Pro Legal Funding ( PLF ), and not send a check to the address on file as would be the command n banking practice ... .However when I contacted XXXX XXXX they said they haven't received the funds. So on XX/XX/XXXX, I spoke with the customer security department at SOFI and they said the funds would be sent back to the originator before the account was closed and the account was closed on XX/XX/XXXX. When I told her no one has gotten the funds, she then backtracked and said she didn't know when the money would be sent but the account was closed and that's all they could tell me. When I asked to speak to her supervisor, she said there wasn't any I could speak to and hung up. Still to this day, neither SOFI nor XXXX XXXX XXXX to claim to have the money. Someone is lying and doing something highly illegal and we just want our money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: GA

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

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 2025-04-01 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:
On XX/XX/XXXX I woke up to a duplicate unauthorized charge. I contacted the merchant and refunded the XXXX item I purchase and started the dispute process for the unauthorized charge. I was approved on the XX/XX/XXXX and didnt receive the money back into my account d was told to make another dispute quick I did and it was also approved on XX/XX/XXXX and still did not receive the money into my account and have been in escalation since which I was told was a XXXX hr process. I was also assured if my problems wasnt handled by XXXX I would receive a refund/ credit in writing and havent received anything. I have all documents proving my case and the merchant also ruled in my favor. Theyre refusing to give me my money and using my refund I got from XXXX XXXX as a credit from them. Which is theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: VA

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
Consumer complaint received 2025-04-01 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: MD

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
Consumer complaint received 2025-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My credit card was charged with {$700.00} of a purchase I did not make in XXXX, and I did not make a notice until I receive my bank statement half month later. I filed dispute with bank of America on XX/XX/XXXX, and they issued credit. but tonight they charged the credit backed again without any form of explanation. No evidence were given, just straightup crediting a transaction that I have never made. I asked XXXX ( the company of this transaction, and according to them, they have no authority to do so ). There was also no charge of this amount on my XXXX account.

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 2025-04-01 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: NJ

Complaint narrative:
I am writing to follow up on my previous report concerning to formally request an investigation into the inaccurate accounts listed on my credit report. As per Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), the three major credit bureaus are obligated to validate any accounts that are disputed, ensuring they are accurate and correctly reported. 
XXXX XXXX Date Opened : XX/XX/XXXX Late Dates : XX/XX/XXXX and XX/XX/XXXX Payment Status : Late 30 Days XXXX XXXX XXXX Date Opened : XX/XX/XXXX Payment Status : Late 60 Days

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: NJ

Complaint narrative:
I am writing to follow up on my previous report concerning to formally request an investigation into the inaccurate accounts listed on my credit report. As per Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), the three major credit bureaus are obligated to validate any accounts that are disputed, ensuring they are accurate and correctly reported. 
XXXX XXXX Date Opened : XX/XX/XXXX Late Dates : XX/XX/XXXX and XX/XX/XXXX Payment Status : Late 30 Days XXXX XXXX XXXX Date Opened : XX/XX/XXXX Payment Status : Late 60 Days

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: FL

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

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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX  XXXX Account # XXXX date opened XX/XX/XXXX bal. {$24000.00}, XXXX XXXXXXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$4700.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1200.00}, XXXX & XXXX, XXXX Account # XXXX date XXXX XX/XX/XXXX XXXX {$670.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$300.00} XXXX XXXX XXXX XXXX, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$240.00}, XXXX XXXX XXXX Account XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX Account # : XXXX XXXX XXXX XX/XX/XXXX bal. {$0.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX  XXXX Account # XXXX date opened XX/XX/XXXX bal. {$24000.00}, XXXX XXXXXXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$4700.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1200.00}, XXXX & XXXX, XXXX Account # XXXX date XXXX XX/XX/XXXX XXXX {$670.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$300.00} XXXX XXXX XXXX XXXX, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$240.00}, XXXX XXXX XXXX Account XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX Account # : XXXX XXXX XXXX XX/XX/XXXX bal. {$0.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Amsher Collection Services, Inc.
State: NY

Complaint narrative:
AmSher Collections Services., INC is suing me for an alleged debt with reference # XXXX based on an alleged debt from XXXX, whose account they say is XXXX in the amount of {$490.00} and I don't recall any of this also I am receiving SSI Benefits. I don't get nothing but this demand with no contract showing my signature this is wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: FL

Complaint narrative:
This is not my debt. I made contact but there was no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: LA

Complaint narrative:
I have had a student loan with MOHELA. I was aware that student loan payments would be back into affect in 2025. I urgently made arrangements and attempted to pay off my loan in full. I tried logging in on their website where they suggest their borrowers pay. I entered all my correct information. It KEPT TELLING ME MY ACCOUNT AND LOAN DOESNT exists. I attempted to call them for months on end with no response. I was put on hold several times FOR UP TO 6 hrs. I kept calling and no answer. After leaps and bounds and weeks of trying to find a way to pay this payment I luckily found a way to log in and had to change all my info that was out dated. I payed everything in full. They didnt process my payment for 4 days and pushed me past my due date. THIS COMPANY HAS PUT A LATE PAYMENT ON MY CREDIT REPORT AND DROPPED MY SCORE XXXX POINTS! I HAVE NEVER MISSED A PAYMENT IN MY LIFE. I constantly tried calling and contacting and was eager to make payments before they were late. THIS IS NOT RIGHT and I am asking this to be removed from my credit report. I have important financial decisions to make and my credit is wrecked.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion.XXXX XXXX XXXX  XXXX Balance : {$3100.00} XXXX XXXX XXXX  XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX Balance : {$3100.00}

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 2025-04-01 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: MD

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 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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief