vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 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: GA

Complaint narrative:
Because of a recent data breach, my credit report has been corrupted by unauthorized accounts. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I request immediate blocking and deletion 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 XXXX XXXX XXXX GA XXXX Please delete and block the following accounts from my credit report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I am disputing a balance of {$900.00} that your office claims I still owe. On XX/XX/year>, you received a XXXX rent relief payment of {$14000.00} on my behalf, which was issued due to my being displaced from work during the pandemic. Despite this significant payment, late fees and attorneys fees totaling {$480.00} were never waived or removed. Additional the rental ledger you supplied to XXXX rent relief stated from XXXX XXXX XX/XX/year> the balance was reported as {$12000.00} which was not true. The rental ledger you provided of the break down show the balance that should have been reported was {$13000.00} which is what is causing the offset. This is no fault of mines the XXXX relief program was there to settle all what was owed on that apartment, which you failed to mention that entire month before they cut the check. 

Additionally In XX/XX/year>, I was charged rent twice : {$960.00} on XX/XX/XXXX and an additional {$550.00} on XX/XX/XXXX, even though I moved out on XX/XX/XXXX. I also paid a security deposit of {$1300.00}, which was withheld. 

I am being charged {$680.00} for carpet replacement, but I have dated photos and video showing the carpet was in good condition at move-out. Minor charges of {$35.00} for drywall and {$25.00} for blinds were also added. However, even including these, the math does not justify a remaining balance of {$900.00}. 

Between the {$14000.00} in relief funds and my {$1300.00} security deposit, the total received by your office exceeds the amount due during my tenancy. I am requesting a full, itemized breakdown of the charges and an explanation of how the final balance was determined.

Property manger refused to review the charges or take my call to review the inaccurate charges I also ask for pictures of the carpet, no one has them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: Possible Financial Inc
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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:
This is to formally notify you that a data breach resulted in fraudulent accounts on my credit report. Under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I request their immediate blocking and removal within XXXX  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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts InquirieXXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/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 2025-05-30 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:
This is to formally notify you that a data breach resulted in fraudulent accounts on my credit report. Under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I request their immediate blocking and removal within XXXX  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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts InquirieXXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/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 non-monetary relief
Consumer complaint received 2025-05-30 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: GA

Complaint narrative:
I HAVE LAWFULLY OPTED OUT OF THIRD-PARTY DISCLOSURES. HOWEVER EXPERIAN, XXXX and XXXX CONTINUED REPORTING OF NONPUBLIC PERSONAL INFORMATION WITHOUT CONSENT, DESPITE REPEATED OPT OUT REQUESTS.

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 2025-05-30 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:
I HAVE LAWFULLY OPTED OUT OF THIRD-PARTY DISCLOSURES. HOWEVER XXXX XXXX and TRANSUNION CONTINUED REPORTING OF NONPUBLIC PERSONAL INFORMATION WITHOUT CONSENT, DESPITE REPEATED OPT OUT REQUESTS.

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 2025-05-30 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: NY

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Williams & Fudge, Inc
State: TX

Complaint narrative:
This is a false debt. I am a Veteran and use/used my XXXX XXXX for XXXX funding, which was always paid in full by the Department of XXXX XXXX before each semester started. The school shut down in the middle of a semester, after my tuition had already been paid. There was never any money owed to the school, nor have I ever been required to pay out of pocket. This is a fraudulent attempt to collect compensation, as The XXXX XXXX has been shut down. 





Date Reported : XX/XX/XXXX XXXX  Collection Agency WILLIAMS & FUDGE INC, Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX XXXX  Original Amount Owed {$6400.00} Amount {$6400.00} Status Date XX/XX/XXXXXXXX  Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Creditor Classification EDUCATIONAL Last Payment Date Date of First Delinquency XX/XX/XXXX Comments Contact WILLIAMS & FUDGE INC, XXXX XXXX XXXX XXXX XXXX SC XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
In XX/XX/XXXX, I submitted a written request asking the company to verify the late payment reporting for XXXX and XX/XX/XXXX. I never received a response. I have maintained a consistent history of on-time payments, including during the months in question. The lack of response and continued reporting of these alleged late payments is damaging my credit and appears to violate the Fair Credit Reporting Act 's requirement for accuracy and reasonable investigation. I am requesting immediate correction or removal of these inaccurate entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Selene Holdings LLC
State: FL

Complaint narrative:
Mortgage payments have been paid on time monthly for years. Payments were automatic to the mortgage company for years. They require proof of insurance every 6 months which I have provided every time. They claim to not have received this proof and acquired insurance which increased the amount of the monthly payment. I was not aware of the increase until a month later. Once I realized, I increased our payment and also provided the proof of insurance again. They reported me delinquent because of the difference in the increased payment amount and what was automatically sent. I immediately rectified, paid the difference and increased my payment. This one month mistake had a very negative affect on my credit scores, decreasing them by XXXX points. I reported a dispute and contacted the mortgage company but nothing was accomplished with either. My credit was excellent before this with scores in the XXXX 's and showing no delinquent or negative reports for years. This one incident has reduced my scores to the XXXX 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Branch Messenger, Inc.
State: FL

Complaint narrative:
XXXX Branch app provided false information. They never requested information and therefore closing their file saying that I have not provided the requested information is 100 % false. I can show emails most recently as XX/XX/XXXX showing no outstanding request for information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-05-30 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/year>2025 I was at XXXX XXXX in XXXX, GA and was offered a financing option by a store employee named XXXX. I specifically asked whether it would affect my credit or result in a credit card. I was told it was only a soft credit check and would not result in a new credit card account. 

Despite this, a hard inquiry was made on my credit report and a XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  was issued to me without my full knowledge or consent. I never intended to open this account. As soon as I realized what happened, I called Synchrony Bank and canceled the card immediately. I have never used the card. 

I disputed the account with all three credit bureaus. XXXX has responded saying the account will remain on my report because XXXX verified it. However, the account should not exist at all due to the misleading and deceptive practices used during the application process. 

I am requesting that this credit card account and the associated hard inquiry be removed from my credit report entirely. This situation has negatively impacted my credit profile through no fault of my own. Please take action to correct this 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 2025-05-30 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:
XXXX XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXInquiryXXXX XXXX XXXX XXXXInquiryXXXX XXXX XXXXEInquiryXXXX XXXX XXXXInquiryXXXX XXXXXXXXInquiryXXXX XXXXInquiryXXXX XXXXXXXXInquiryXXXX XXXX XXXXXXXX XXXX XXXXInquiryXXXXXXXX XXXXInquiryXXXX XXXXInquiryXXXX XXXX XXXX XXXXInquiryXXXX XXXX XXXXInquiryXXXX XXXXInquiryXXXX XXXX  XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX XXXX Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 ( FTC NUMBER ) as proof from the XXXX Federal Trade Commission that all 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 2025-05-30 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:
PLEASE DELETE ALL XXXX XXXXXXXX FROM MY CREDIT REPORT. 
INCLUDING DEPT OF EDXXXX XXXX MY PERSONAL AND FINANCIAL INFORMATION WAS COMPROMISED WITHOUT MY AUTHORIZATION. THE FAMILY EDUCATION RIGHTS AND PRIVACY ACT FERPA, PROTECTS THE CONFIDENTIALITY OF STUDENT RECORDS.

THIS BREACH IS 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 CANCEL AND DISCHARGE MY XXXX XXXX DEBT IN FULL. XXXX AND XXXX ARE BEING SUED FOR INACCUARATE MONTHLY PAYMENTS AND BILLING METHODS.

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 2025-05-30 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: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
PLEASE DELETE ALLXX/XX/XXXXFROM MY CREDIT REPORT. 
INCLUDING DEPT OF ED/XX/XX/XXXX MY PERSONAL AND FINANCIAL INFORMATION WAS COMPROMISED WITHOUT MY AUTHORIZATION. THE FAMILY EDUCATION RIGHTS AND PRIVACY ACT XXXX, PROTECTS THE CONFIDENTIALITY OF STUDENT RECORDS. 

THIS BREACH IS 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 CANCEL AND DISCHARGE MY XX/XX/XXXX DEBT IN FULL. NELNET AND XXXX ARE BEING SUED FOR INACCUARATE MONTHLY PAYMENTS AND BILLING METHODS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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:
PLEASE DELETE ALL XXXX XXXX FROM MY CREDIT REPORT. 
INCLUDING DEPT OF ED/XXXX XXXX MY PERSONAL AND FINANCIAL INFORMATION WAS COMPROMISED WITHOUT MY AUTHORIZATION. THE FAMILY EDUCATION RIGHTS AND PRIVACY ACT FERPA, PROTECTS THE CONFIDENTIALITY OF STUDENT RECORDS.

THIS BREACH IS 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 CANCEL AND DISCHARGE MY XXXX XXXX  DEBT IN FULL. XXXX AND XXXX ARE BEING SUED FOR INACCUARATE MONTHLY PAYMENTS AND BILLING METHODS.

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 2025-05-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: MI

Complaint narrative:
XX/XX/year> I was notified that a collection was placed on my report in which I have never heard of this company nor have I applied or signed anything for product or service. This is fraud.

Company response to consumer: Closed with non-monetary relief