vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 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:
I am filling to formally dispute the accuracy and completeness of several items reported on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), particularly 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] and 611 [ 15 U.S.C. 1681i ], I request a thorough reinvestigation of the following accounts and entries, as they may be inaccurate, incomplete, or unverified XXXX XXXX XXXXXXXX BALANCED {$710.00} XXXX  XXXX XXXX BALANCED {$62.00} XXXX  XXXX XXXX BALANCED {$1400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: VA

Complaint narrative:
I am filling to formally dispute the accuracy and completeness of several items reported on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), particularly 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] and 611 [ 15 U.S.C. 1681i ], I request a thorough reinvestigation of the following accounts and entries, as they may be inaccurate, incomplete, or unverified XXXX XXXX XXXXXXXX BALANCED {$710.00} XXXX  XXXX XXXX BALANCED {$62.00} XXXX  XXXX XXXX BALANCED {$1400.00}

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 2025-05-21 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: IN

Complaint narrative:
I was a victim of identity theft by my sister that passed away .. she open accounts in my name and destroyed my credit card.. I filed a police report also..

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 2025-05-21 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: IN

Complaint narrative:
I was a victim of identity theft by my sister that passed away .. she open accounts in my name and destroyed my credit card.. I filed a police report also..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: NV

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I need to visit the FEDERAL TRADE COMMISSION or XXXX XXXX XXXX to file a report Per FCRA section 605b Credit Reporting Agencies and I found out that you are required to investigate any items listed on an id theft report. Please find the ATTACHED documents to assist in the investigation of the erroneous information that is being posted to my report. The following are the compilation of items that are not associated with me or have been initiated without my authorization XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX Balance {$190.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$5000.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$27000.00} XXXX XXXX XXXX  XXXX XXXX {$3700.00} XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-05-21 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: NV

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I need to visit the FEDERAL TRADE COMMISSION or XXXX XXXX XXXX to file a report Per FCRA section 605b Credit Reporting Agencies and I found out that you are required to investigate any items listed on an id theft report. Please find the ATTACHED documents to assist in the investigation of the erroneous information that is being posted to my report. The following are the compilation of items that are not associated with me or have been initiated without my authorization XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX Balance {$190.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$5000.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$27000.00} XXXX XXXX XXXX  XXXX XXXX {$3700.00} XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-21 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: FL

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report.

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 2025-05-21 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: MS

Complaint narrative:
I have sent multiple letters to XXXX, Experian, and XXXX. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a XXXX bureau table. Please assist me in getting this issue resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: MS

Complaint narrative:
I have sent multiple letters to XXXX, Experian, and XXXX. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a XXXX bureau table. Please assist me in getting this issue resolved.

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 2025-05-21 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: OH

Complaint narrative:
Im writing in regard to an account currently listed on my credit report. Im requesting that you certify all the data tied to this account as belonging specifically and solely to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: LA

Complaint narrative:
I am writing to formally dispute the accuracy of the tradeline being reported by XXXX XXXX on my credit report. 

The account was sold or transferred to a collection law firm XXXX XXXX XXXX XXXX XXXX XXXX ), yet XXXX XXXX is still reporting a balance as if they own the debt. 

Under the Fair Credit Reporting Act ( FCRA ), information must be accurate and current. A charged-off or sold account must show a {$0.00} balance and indicate the transfer. 

Please investigate and update the account to reflect the correct status, or remove the tradeline entirely if it can not be verified.

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 2025-05-21 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: LA

Complaint narrative:
I am writing to formally dispute the accuracy of the tradeline being reported by XXXX XXXX on my credit report. 

The account was sold or transferred to a collection law firm XXXX XXXX XXXX XXXX XXXX XXXX ), yet XXXX XXXX is still reporting a balance as if they own the debt. 

Under the Fair Credit Reporting Act ( FCRA ), information must be accurate and current. A charged-off or sold account must show a {$0.00} balance and indicate the transfer. 

Please investigate and update the account to reflect the correct status, or remove the tradeline entirely if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am writing to formally dispute the accuracy of the tradeline being reported by XXXX XXXX on my credit report. 

The account was sold or transferred to a collection law firm XXXX XXXX XXXX XXXX XXXX XXXX ), yet XXXX XXXX is still reporting a balance as if they own the debt. 

Under the Fair Credit Reporting Act ( FCRA ), information must be accurate and current. A charged-off or sold account must show a {$0.00} balance and indicate the transfer. 

Please investigate and update the account to reflect the correct status, or remove the tradeline entirely if it can not be verified.

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 2025-05-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NY

Complaint narrative:
Noticed a new account was added to my credit, dropping it many points. Finally figured out it was from Jefferson Capital Systems , LLC for a XXXX account opened for {$870.00} on XX/XX/year>. I have had XXXX for 8 years, I have never had a XXXX account. When I called Jefferson they told me that I have to pay them to get the information regarding the debt, and that I can either pay the fee to get the information about the debt, or pay the debt. Theyre trying to extort money by having you pay to find out what the debt is! They religiously call me all hours of the day, starting at XXXX XXXX  and not ending until XXXX from multiple numbers even after being told to NOT call me saying theyre going to sue me or have me arrested. A quick XXXX search showed hundreds of other people commenting about how they also received a debt from XXXX, also opened in XXXX of XXXX. I firmly believe this company is not only a scam, but is also acting in bad faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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 recently review a copy of my credit report and notice i has fradulent accounts on report please i want them to be remove from my report they are hurting my ability to obtain credit i didn't recognize them i didn't authorize them they are reporting by a third party i want them to be remove please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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:
This CFPB complaint is filed pursuant to FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) requesting that the Equifax credit reporting agency block the following fraudulent entries from my consumer credit report within four business days : A XXXX XXXX bankruptcy filed on XX/XX/XXXX under account number XXXX A personal loan account with XXXX XXXX XXXX opened on XX/XX/XXXX A personal loan account with XXXX XXXX XXXX opened on XX/XX/XXXX These items were not authorized by me and are all the result of identity theft. I have attached a copy of my consumer FICO credit report documenting the fraudulent entries, as well as an FTC Identity Theft Report # ( private case number ) verifying that these accounts are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-21 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
HI I HAVE INQUIRY THIS IS NOT MY XXXX ) XXXX XXXX DATE XX/XX/year> XXXX ) TRANSUNION XXXX DATE XX/XX/year> XXXX ) XXXX XXXX  DATE XX/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 explanation
Consumer complaint received 2025-05-21 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: FL

Complaint narrative:
Subject : Urgent Dispute Regarding Fraudulent Accounts on Credit Report To Whom It May Concern, I am writing to formally dispute two fraudulent accounts listed on my TransUnion credit report, which have been reported as a result of identity theft. As a victim of true identity theft, I am compelled to take swift action to rectify this situation, as these accounts are not mine and have caused significant harm to my financial standing and personal well-being. 

The accounts in question are as follows : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX These accounts have led to a series of detrimental consequences, including denial of employment opportunities and financial instability due to the inaccuracies and errors on my credit report. The derogatory marks associated with these fraudulent accounts have invaded my privacy and penalized me unfairly for actions I did not commit. 

I have taken the necessary steps to report this identity theft to the appropriate authorities, including filing a police report and placing a fraud alert on my credit report. I am also enclosing copies of relevant documentation to support my claims, including my identification, the police report, and any correspondence with the creditors involved. 

I demand that the CFPB investigates this matter with the urgency it deserves. The presence of these fraudulent accounts not only violates my rights but also undermines the integrity of the credit reporting system. I expect these accounts to be deleted from my credit report immediately to prevent further financial harm and emotional distress. 

Please consider this letter a formal request for action. I look forward to your prompt response outlining the steps that will be taken to resolve this matter. Failure to address this issue adequately will leave me with no choice but to pursue further legal action to protect my rights. 

Thank you for your immediate attention to this serious matter.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX writing to dispute a credit inquiry that appears on my report from a company Ive never dealt with. I never gave this company permission to access my credit, and I did not authorize this inquiry in any form.

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 2025-05-21 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-21 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-21 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: NJ

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Date : XX/XX/XXXX To Whom It May Concern at the Consumer Financial Protection Bureau, I am submitting this letter as an urgent update to my existing complaint regarding Nelnet and the credit reporting agencies ( XXXX XXXX XXXX XXXX ). My name is XXXX XXXX. 

Despite Nelnet previously admitting fault for reporting two of my federal student loans as 90 days delinquentwhen no payment was due because the loans were placed in Total and Permanent XXXX ( TPD ) Indefinite Administrative Forbearancethe issue has now escalated. 

On XX/XX/XXXX, XXXX again updated my DEPT OF ED account to reflect a status of 90 Days Late, dropping my XXXXredit score to XXXX a XXXXpoint decrease in just days. This is a repeat of the same false reporting that Nelnet had already acknowledged and claimed to have corrected.

All eight of my student loans remain in forbearance with {$0.00} monthly payment due and the next payment not scheduled until XX/XX/XXXX. None of the loans are delinquent or in repayment status. I have attached a summary of the loans and their current status. 

This repeated misreporting has caused severe harm to my credit, including multiple credit limit reductions totaling over {$70000.00}, loss of business credit, emotionaXXXX XXXX and financial disruption. The Current label previously used by Nelnet and the credit bureaus does not erase the harm done, and the re-reporting of delinquency only compounds that injury. 

I respectfully request immediate intervention to ensure : Full removal of all false delinquency notations from all credit bureaus. 

Accurate reflection of my loans as in forbearance, not current or past due. 

Accountability for repeated misreporting and failure to maintain data accuracy. 

Please advise if further documentation is needed. I am prepared to provide supporting statements, screenshots, and previous communications from Nelnet and the credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation