vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 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: MD

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business 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 2025-04-22 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: NY

Complaint narrative:
This request is to follow up the correction of the erroneous status of my account has been diligently neglected by your agency. I have not received any response as of today. Furthermore, the inaccurate information regarding my accounts still persists on my reports. Consequently, you have failed to adhere to the Fair Credit Reporting Act, 15 USC Sections 1681, within the legally mandated timeframe. The continued reporting of unverified information, despite my numerous attempts to address the issue directly with the creditor, now appears as willful negligence and non-compliance with federal statutes. XXXX XXXX XXXX XXXX CT XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX * * * * Balance Owed : {$1600.00} XXXX CARD XXXX * * * * * * Balance Owed : {$3900.00} XXXX XXXX * * * * * * Balance Owed : {$8800.00} XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX * * * * Balance Owed : {$0.00} XXXX CARD XXXX * * * * * * Balance Owed : {$3900.00} XXXX OF XXXX XXXX * * * * * * * * * * Balance Owed : {$0.00} XXXX XXXX * * * * * * Balance Owed : {$8800.00} XXXX XXXX * * * * * * Balance Owed : {$0.00} XXXX, XXXX, A XXXX XXXX  XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX * * * * Balance Owed : {$1600.00} XXXX  XXXX XXXX * * * * * * Balance Owed : {$0.00} XXXX OF XXXX * * * * Balance Owed : {$0.00} XXXX XXXX * * * * * * Balance Owed : {$8800.00} XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: NY

Complaint narrative:
This request is to follow up the correction of the erroneous status of my account has been diligently neglected by your agency. I have not received any response as of today. Furthermore, the inaccurate information regarding my accounts still persists on my reports. Consequently, you have failed to adhere to the Fair Credit Reporting Act, 15 USC Sections 1681, within the legally mandated timeframe. The continued reporting of unverified information, despite my numerous attempts to address the issue directly with the creditor, now appears as willful negligence and non-compliance with federal statutes. XXXX XXXX XXXX XXXX CT XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX * * * * Balance Owed : {$1600.00} XXXX CARD XXXX * * * * * * Balance Owed : {$3900.00} XXXX XXXX * * * * * * Balance Owed : {$8800.00} XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX * * * * Balance Owed : {$0.00} XXXX CARD XXXX * * * * * * Balance Owed : {$3900.00} XXXX OF XXXX XXXX * * * * * * * * * * Balance Owed : {$0.00} XXXX XXXX * * * * * * Balance Owed : {$8800.00} XXXX XXXX * * * * * * Balance Owed : {$0.00} XXXX, XXXX, A XXXX XXXX  XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX * * * * Balance Owed : {$1600.00} XXXX  XXXX XXXX * * * * * * Balance Owed : {$0.00} XXXX OF XXXX * * * * Balance Owed : {$0.00} XXXX XXXX * * * * * * Balance Owed : {$8800.00} XXXX XXXX XXXXXX/XX/year>

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 2025-04-22 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: MD

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank 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 2025-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I deposited 2 paper checks from the state of NJ into my cashapp account via mobile deposit. The history of the deposit disappeared and my feature to deposit checks via cashapp now shows a warning message that this feature has been disabled. I have not received any notice of the adverse action or any communication that the checks have not been accepted. When I contacted customer support I was told they can not provide me with any explanation or notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : XXXX Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.

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 2025-04-22 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: NC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-04-22 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:
I recently reviewed a copy of my credit report and I've noticed that there are fraudulent accounts along with inaccurate information in my report. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists. Please remove them as they are affecting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus XXXX take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within XXXX ( XXXX ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.

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 2025-04-22 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:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXXXXXX XXXX XXXXXXXX # XXXX XX/XX/XXXX -- {$24000.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$43000.00} UNAUTHORIZED INQUIRIES : XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: CT

Complaint narrative:
Requested said company to provide original debt contract. Said company was unable to provide original debet contract, therefore debt must be deleted from credit profile.

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 2025-04-22 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: CT

Complaint narrative:
Requested said company to provide original debt contract. Said company was unable to provide original debet contract, therefore debt must be deleted from credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: CT

Complaint narrative:
Requested said company to provide original debt contract. XXXX company was unable to provide original debet contract, therefore debt must be deleted from credit profile.

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 2025-04-22 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: MD

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-04-22 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: NC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-04-22 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 was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: MI

Complaint narrative:
This letter serves as a formal dispute of the alleged student loan debt you have claimed I owe. I am also placing you on official notice that I am aware of your potential violations of both the Fair Debt Collection Practices Act ( FDCPA ) and the Family Educational Rights and Privacy Act ( FERPA ). 

Let me be clear : You are not authorized to collect on this debt unless and until you fully validate it under federal law. This includes, but is not limited to : A copy of the original promissory note signed by me The full account and payment history from the original creditor Proof of your legal right to collect on this debt Documentation showing you obtained any educational or financial records in compliance with FERPA FERPA Violation If you accessed my private educational records including loan data, enrollment info, or financial aid history without my explicit, written consent, you are in direct violation of FERPA. That is a federal offense, and I am prepared to escalate this to the U.S. Department of Education, FTC, CFPB, and my state attorney general without further notice. 

You do not have the right to dig through my student records to support debt collection activity. If you think you do, I strongly advise you to have your legal team read 20 U.S. Code 1232g and review FERPA case law.

You Are Now on Notice : Cease all collection efforts immediately until the debt is validated in full. 
Do not contact me by phone all communication must be in writing. 
Remove any negative credit reporting linked to this alleged debt until its resolved. 
Be advised that continued collection without validation, or further use of my education records, will result in legal action. I will not hesitate to sue for damages, report you to federal authorities, and pursue every remedy available under the law. 

This is your one warning. Handle this matter correctly or face the consequences.

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 2025-04-22 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: MI

Complaint narrative:
This letter serves as a formal dispute of the alleged student loan debt you have claimed I owe. I am also placing you on official notice that I am aware of your potential violations of both the Fair Debt Collection Practices Act ( FDCPA ) and the Family Educational Rights and Privacy Act ( FERPA ).

Let me be clear : You are not authorized to collect on this debt unless and until you fully validate it under federal law. This includes, but is not limited to : A copy of the original promissory note signed by me The full account and payment history from the original creditor Proof of your legal right to collect on this debt Documentation showing you obtained any educational or financial records in compliance with FERPA FERPA Violation If you accessed my private educational records including loan data, enrollment info, or financial aid history without my explicit, written consent, you are in direct violation of FERPA. That is a federal offense, and I am prepared to escalate this to the U.S. Department of Education, FTC, CFPB, and my state attorney general without further notice.

You do not have the right to dig through my student records to support debt collection activity. If you think you do, I strongly advise you to have your legal team read 20 U.S. Code 1232g and review FERPA case law. 



You Are Now on Notice : Cease all collection efforts immediately until the debt is validated in full. 
Do not contact me by phone all communication must be in writing. 
Remove any negative credit reporting linked to this alleged debt until its resolved. 
Be advised that continued collection without validation, or further use of my education records, will result in legal action. I will not hesitate to sue for damages, report you to federal authorities, and pursue every remedy available under the law.

This is your one warning. Handle this matter correctly or face the consequences.

Company response to consumer: Closed with non-monetary relief