vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-06-26 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 
1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX XXXXH XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$490.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/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 2025-06-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MD

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding how my federal student loan was handled following a change in loan servicers from the University of XXXX to XXXX. 

I had a small student loan ( approximately {$2500.00} ) which was being paid through automatic payments set up by my parent. These payments had been consistent for several years. However, when the loan servicing was transferred to XXXX, the automatic payments did not carry over. As a result, no further payments were madenot out of negligence, but because we were not made aware of the change. 

When I contacted XXXX, I was informed that they had only sent notifications via physical mail to my old college address, which I have not lived at in years. This is despite the fact that my correct address and email were listed in my loan profile. No email or phone/text notifications were sent at any point during this transition or delinquency. 

Due to the lack of proper notice, the loan went unpaid and was sent to collections in XXXX 2025. I only discovered this after noticing a sudden XXXX drop in my XXXX XXXX in XXXX 2025. I immediately contacted the XXXX XXXX XXXX and paid the loan in full. 

I am extremely disappointed in how this situation was handled by XXXX, particularly given that : Sensitive and time-sensitive information was sent to an outdated address, despite accurate contact information being on file. 

No attempt was made to reach me through email or phone. 

The default and collections were entirely avoidable with proper communication. 

This situation has caused unnecessary financial and emotional stress and has significantly harmed my credit history through no fault of my own. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX DOB : XX/XX/XXXX Address : XXXX XXXX XXXX., XXXX MD, XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: MD

Complaint narrative:
I request the removal of this incorrect entry from my credit report. I did not authorize or recognize this account. Attached are the relevant documents supporting my position.

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 2025-06-26 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-26 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : 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 Address : XXXX XXXX XXXX XXXX XXXX GA XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am requesting that XXXX XXXX XXXX permanently delete this account from all three major credit bureaus ( Experian, Equifax, and TransUnion ). Given the lack of proper debt validation, the harassment Ive experienced, and the ongoing damage to my credit profile, complete removal of this account is the only fair and appropriate resolution.

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 2025-06-26 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-26 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: IL

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. 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 explanation
Consumer complaint received 2025-06-26 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 Address : XXXX XXXX XXXX XXXX, TX XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3200.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$19000.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$8700.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2500.00} INQUIRIES : 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 2025-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
They call non stop. I block number and they call from another. I started taking pictures. They called everyday 7 days in a row which I heard violates federal law. I snapped pictures I'm attaching with time stamp.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-06-26 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: Nelnet, Inc.
State: LA

Complaint narrative:
XXXX FORMAL DISPUTE NOTICE Date : XX/XX/XXXX To : Nelnet , Inc . 
XXXX XXXX XXXX XXXX, XXXX XXXX From : XXXX XXXX XXXX [ Insert Full Address ] SSN Last XXXX : XXXX Complaint Ref # : [ Insert if known ] Subject : IMMEDIATE FORMAL DISPUTE OF UNAUTHORIZED STUDENT LOAN REPORTING, PRIVACY VIOLATION, AND FCRA NON- COMPLIANCE To Whom It May Concern, This letter serves as a formal dispute under the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), the Family Educational Rights and Privacy Act ( FERPA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ). I am disputing the unauthorized reporting, possession, and handling of my personal and financial information by Nelnet. 
I did not originate, authorize, or consent to any loan serviced or held by Nelnet. I began college in XXXX and received XXXX Grants and other financial aid. My federal loans were serviced by Great Lakes, and I was never notified of or consented to a transfer to Nelnet. 
Therefore, any reporting under my name and SSN by Nelnet is inaccurate and unauthorized. 
Pursuant to my rights under federal law, I demand the following actions be taken within 2472 hours of receipt of this dispute : 1. Immediate deletion of any and all Nelnet-related tradelines, entries, and alert codes from my credit report. 
2. A cease and desist order on any current or future reporting to any credit bureau regarding this alleged debt.

3. Delivery of full documentation ( including a copy of the signed promissory note or servicing transfer agreement bearing my signature ) that proves Nelnet 's authority to report or hold my data.

4. Immediate notice of the resolution of this dispute in writing, and confirmation that my data has been removed and will no longer be shared, stored, or processed. 
Failure to comply with this dispute and federal law will result in immediate escalation to the following entities : - Consumer Financial Protection Bureau ( CFPB ) - Federal Trade Commission ( FTC ) - U.S. Department of Education and FSA Ombudsman - Louisiana State Attorney Generals Office - Private legal counsel You are now on formal notice. Continued reporting, mishandling, or failure to respond constitutes willful noncompliance and data abuse under multiple federal laws. 
I expect acknowledgment and resolution of this dispute without delay. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: MD

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
I have filed 3 disputes providing proof that I did not send money to 2 different XXXX XXXX accounts, I included my transaction activity from XXXX XXXX showing I did not send the money, I provided proof that 2 transactions from those accounts sent me money before they started withdrawing my money from my account, and provided a text message showing that chime supposedly sent me a fraud activity text followed with a link to click to reopen my account and they told me that wasnt them. Yet they still denies my dispute. {$360.00} dollars was stolen from my account. XXXX XXXX support has no record of the accounts being sent any money. The money was stolen XX/XX/year>. I havent sent anyone any money since XXXX, XXXX. I do not know the accounts and they are not in my activity list.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I bought a laptop from Best Buy, paid outright with an XXXX  XXXX  XXXX. 
Later that afternoon I received notice of a hard inquiry on my credit report, specifying a Citibank Best Buy card. 
I didnt even know this was a thing, and never gave anyone the right to use my information to attempt to take this card out in my name. 
I called the customer service, it took a few calls for them to even find the information, however the representative told me the application was made in error, and was thus unauthorized. 
They then informed me that Citi will be sending information that same day ( first week of XXXX  ) to all the credit bureaus that this inquiry was unauthorized and fraudulent. Additionally, they have confirmed that the application no longer exists in their system. 

All that being said, and after several requests and documentation provided by both myself and Best Buy/Citi, XXXX  continues to refuse to remove the inquiry from 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 non-monetary relief
Consumer complaint received 2025-06-26 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: MD

Complaint narrative:
I understand the economy has its challenges, but reviewing my credit report has made it painfully clear that whats truly worse is the inaccurate information listed under my name. These errors are causing me immense stress and directly impacting my well-being. As a consumer, I have the right to accurate reporting, and its incredibly disheartening to face this situationespecially when even seeking help becomes impossible due to declined cards tied to a damaged credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : 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 Address : XXXX XXXX XXXX XXXX XXXX, XXXX ACCOUNTS XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
I received a call today from someone who said he is from Bank of America. He said someone tried to purchase a {$790.00} laptop using a credit card with my name and profile number. The charge was denied because the purchaser is in XXXX XXXX, XXXX  and I am in XXXX He had the last four digits of my social security number and my address. I did not confirm the information and would not allow him to transfer me to supposedly someone your office to verify my information and confirm that I didnt open a Bank of America account nor did I give anyone permission to open an account or use my card to make purchases. When I hung up, the caller called back three times, each time from XXXX ( XXXX ) XXXX. The representative gave me the following details about the fraudulent account to give to your office : - {$5000.00} limit on card - XXXX XXXX, XXXX where buyer attempted to use the card - XXXX last XXXX digits of the card - Legal Case # : XXXX XXXX This sounds like a scam. However, can you verify if this is a real call or a phishing call and is there something I can do to cancel/block usage of a fraudulent Bank of America card with my name on it? 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