vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-22 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: PA

Complaint narrative:
I am writing to file a formal complaint against Experian for failing to remove unauthorized credit inquiries from my credit report, which are negatively impacting my creditworthiness and ability to obtain new credit. I recently reviewed my Experian credit report and discovered XXXX hard inquiries that I did not authorize, all dated between XX/XX/year>, and XX/XX/year>. Despite my efforts to resolve this issue, these inquiries remain on my report, and I am seeking the CFPBs assistance to have them removed. 

The unauthorized inquiries in question are as follows : XXXX, XX/XX/year> XXXX XXXX XXXX, XX/XX/year> XXXX XXXX, XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX, XX/XX/year> XXXX XXXX  XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX, XX/XX/year> I did not authorize any of these inquiries, nor did I apply for credit with these companies on the specified dates. Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to ensure the accuracy of information on credit reports and to remove unauthorized inquiries upon dispute. These inquiries are harming my credit score and limiting my ability to secure favorable credit terms.

I have attempted to resolve this issue directly with Experian by disputing the inquiries, but I have not received a satisfactory resolution. I am requesting that the CFPB investigate Experians handling of my dispute and ensure that these unauthorized inquiries are removed from my credit report within the legally mandated timeframe. Additionally, I request that Experian provide me with an updated copy of my credit report once the inquiries are removed. 

I appreciate the CFPBs assistance in resolving this matter and protecting my consumer rights. Please let me know if you require any additional information or documentation to proceed with this complaint.

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 2025-03-22 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: OH

Complaint narrative:
No action was taken by me or company cause the company hasnt notify me of collections.

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 2025-03-22 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: IL

Complaint narrative:
I recently reviewed my credit report and noticed you have incorrect personal information in my file. Please use the documents l 've provided to update my correct full name and address. Also, please remove any names that don't match my ID. Please remove any addresses that don't match my current and valid address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I'm disputing XXXX XXXX  XXXX XXXX XXXX. The balance on this account has been {$0.00} since XX/XX/year>. Equifax is still reflecting {$6200.00}. I am unable to rent a new apartment because of this. XXXX and XXXX are reporting the correct amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: ENCORE CAPITAL GROUP INC.
State: UT

Complaint narrative:
Acct was opened XXXX XXXX XXXX XXXX XXXXXX/XX/year> Im reaching out because Im a victim of identity theft, and a fraudulent credit card account was opened under my name with XXXX XXXX. I wasnt even aware of the account until I was contacted by Midland Credit Management regarding a debt. 

When I first contacted XXXX XXXX, I was told there was no account under my name, social, or phone number. Only after asking for a supervisor did someone find the account which had already been charged off. I was then told that there was nothing XXXX XXXX could do and that I needed to speak with the collection agency. 

This is unacceptable. I did not open this account, and I should not be responsible for a fraudulent debt. Ive already submitted an identity theft dispute through midland, but no meaningful action has been taken. 
Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I have the right to dispute fraudulent information and not be held responsible for debts resulting from identity theft. 

When I initially contacted XXXX XXXX, I was told there was no account under my name, social, or phone number. After escalating, a supervisor suddenly located the account and stated it was charged off but that I needed to deal with the collection agency. That is not an acceptable resolution. 

I already submitted an identity theft dispute, and no action was taken. Im requesting immediate action to : 1. Close the fraudulent account and flag it as identity theft, 2. Instruct Midland to cease collection efforts, and 3. Ensure this account is removed from my credit reports with all major bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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: IN

Complaint narrative:
Upon reviewing my credit report, I have discovered inaccurate accounts that were not caused by any error on my part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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: GA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX Balance : {$1000.00}, XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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: GA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX Balance : {$1000.00}, XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry 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 2025-03-22 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: NJ

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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: NJ

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit 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 2025-03-22 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: CA

Complaint narrative:
Dear CFPB Representative, I am submitting this formal complaint regarding a significant violation of my privacy and data security related to the recent breach involving the U.S. Department of Education and unauthorized third-party access. This incident directly affects me as a federal student loan borrower whose sensitive personal and financial information was entrusted to federal systems.

According to credible reports [ 1 ] [ 2 ], engineers affiliated with XXXX XXXX so-called Department of Government Efficiency ( DOGE ) team were granted improper access to Department of Education systems that store borrower data. The compromised information includes Social Security numbers, income data, contact information, and loan records. This access was reportedly granted without the usual security protocols, representing a serious failure of oversight and compliance with data protection laws, including the Privacy Act of 1974 [ XXXX ]. 

Other than a XXXX drop in my credit score, I have not observed direct misuse of my data at this time, I have taken precautionary steps such as placing credit freezes and enrolling in monitoring services due to the elevated risk of identity theft, fraud, and long-term financial harm. I am experiencing ongoing emotional distress and heightened concern over the safety of my financial profile as a result of this breach.

I have already submitted a grievance and request for student loan forgiveness to the U.S. Department of Education, as I believe this violation warrants meaningful redress. I am now bringing this matter to the CFPB because this breach represents not only a failure of data stewardship but a breach of consumer trust and federal responsibility toward borrowers.

I respectfully request the CFPB to : - Investigate the handling of borrower data related to this incident. 
- Review whether consumer protection laws were violated by the Department of Education or affiliated actors. 
- Provide guidance on potential relief, including options for data breach-related loan forgiveness or additional support for affected consumers like myself. 

Please let me know if additional documentation is needed. Thank you for your time, and I look forward to your review of this matter. 

Sincerely, XXXX XXXX Sources : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Had Access to U.S. Student Loan Data. XXXX XXXX XXXX [ XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: LA

Complaint narrative:
This is in regard to the FERPA act that was branch when DODGE was granted excess the the dept of Education system

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: SECURITY FINANCE CORP
State: TX

Complaint narrative:
While being behind on my loan with Security Finance they have contacted me at least 3 times a day every day but sunday and it is in clear violation of the 7 in 7 law. I almost certainly know that it is them calling any time my phone rings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is XXXX, filed on XX/XX/XXXX of this year. 

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX. XXXX - XX/XX/year> XXXX. XXXX  - XX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TN

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Phone : XXXX Email : XXXX XX/XX/2025 Subject : Dispute of Unauthorized Inquiries Under the Fair Credit Reporting Act ( FCRA ) and U.S. Code Laws I am writing to formally dispute the unauthorized inquiries that appear on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, I have the right to dispute inaccurate or unauthorized information on my credit report. I recently obtained a copy of my credit report and discovered inquiries on my credit report.

I do not recall authorizing these inquiries, and I request that they be removed from my credit report immediately. According to 15 U.S.C. 1681b, a company must have my express written permission or a permissible purpose to conduct a hard inquiry on my credit report. If the listed companies can not provide documented proof that I authorized these inquiries, they must be deleted promptly in accordance with 15 U.S.C. 1681i, which mandates the reinvestigation of disputed information.

Please conduct an investigation into these inquiries and provide me with written confirmation of the results. If these inquiries are found to be unauthorized, I expect their removal from my credit report. Additionally, please provide me with an updated copy of my credit report reflecting these changes.

I have attached a copy of my identification and proof of address for verification purposes. Please process my request in accordance with FCRA regulations and notify me of the resolution within 30 days as required under 15 U.S.C. 1681i ( a ). 

Thank you for your prompt attention to this matter. I look forward to your response. 

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 explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Cash App XXXX Block XXXX Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX  ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: MD

Complaint narrative:
So I had some fraud from zelle called then and they said they couldnt do anything never got my money back

Company response to consumer: Closed with explanation