vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-05 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: FORD MOTOR CREDIT CO.
State: IL

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To : Whom It XXXX Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. By obtaining XXXX CREDIT BUREAU consumer credit report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ). 

Inquiry Name Inquiry Date XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX FOR XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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:
I do not recognize these credit accounts and inquires, and I have asked them to be removed. However, the credit bureaus did not do as I had asked. I am providing an Identity theft report which I will attach to this. I am requesting that all the credit accounts and inquires be removed because they are inaccurate and not mine. Additionally, I am requesting that the incorrect personal infromation be removed as it is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I didn't authorize any goods or services from these companies. These accounts are fraud and should be removed from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: MD

Complaint narrative:
Recently, I looked at a copy of my credit report and I noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here us the items I am asking to verify as accurate : XXXX  XXXX XXXX Account # 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 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Recently, I looked at a copy of my credit report and I noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here us the items I am asking to verify as accurate : XXXX  XXXX XXXX Account # 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 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to request a reinvestigation of the MILITARY STAR account listed on my credit report. Although this account was paid in full and closed on XX/XX/XXXX, TransUnion is still reporting the account with the status : Payment after charge-off/collection.

Equifax is still inaccurately reporting this account as 120+ days past due as of XX/XX/XXXX, despite the account being paid in full and closed on XX/XX/XXXX. 

This is materially misleading, as the account no longer has a balance, and this language implies ongoing negative standing after resolution. It is also inconsistent with how this account is being reported to the other credit reporting agencies.

Under FCRA 611 ( a ), I request : A full reinvestigation of this account, and A Method of Verification, including : Who verified the account The records used The process followed If the information can not be verified with complete accuracy and uniformity, it must be corrected or deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: Fuel Capital Group
State: FL

Complaint narrative:
I have fraudulent inquiries on my credit report that I demand to be removed immediately. I have already filed a report with XXXX, and FTC complaint also.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: VA

Complaint narrative:
Hello! I am requesting an immediate correction of the mentioned inquiries. The three credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed inquiries above. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: VA

Complaint narrative:
XXXX HARD INQUIRY ON XX/XX/year> DIDNT RECOGNIZE THINK NOT MINE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: SC

Complaint narrative:
Dear CFPB I am writing to bring to your attention the provisions outlined in the Fair Credit Reporting Act ( FCRA ) section 62.3 AA which states [ insert specific details here ]. It is important for us to comply with this requirement to ensure the accuracy and fairness of credit reporting. 

Additionally, under FCRA section 607B, it is mandated that [ provide relevant information here ]. This provision is in place to protect the rights of consumers and maintain the integrity of credit reporting practices. 

Furthermore, as per FCRA section 611A, it is vital that [ include pertinent details ]. Adhering to this provision is crucial for maintaining transparency and accountability in our credit reporting processes. 

Moreover, FCRA section 623B emphasizes [ explain the significance of this section ]. We must be diligent in our efforts to uphold the standards set forth in this provision to safeguard the interests of all parties involved. 

In accordance with FCRA section 1681, it is imperative that [ insert necessary instructions or actions ]. Compliance with this section is key to promoting trust and reliability in credit reporting activities. 

Thank you for your attention to these important regulations. Please do not hesitate to reach out if you have any questions or require further clarification on these matters. 

Attachments provided will show that credit report Lost XXXX points, because of an inaccurate reporting of student loan information that was provided prior for the corrections to be made. 

And also reporting that changes were not made. When changes were really made on the date thats provided false and an accurate credit reporting for XXXX. 

So again, how is the payment past due for my student loan when the attachments say I do not owe anything to XX/XX/XXXX and XXXX payment is XXXX balance and is not due so make me understand where the deduction of XXXX points needed to be completed and youre noting that no changes were made for or of XX/XX/XXXX when changes were made on XX/XX/XXXX which means that is an accurate information that is being reported on my credit report these changes need to be corrected immediately. 
. 



Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I sent money to what I thought was my daughters active pay pal Account but I accidentally sent it to an account that she can not access but is under her name XXXX XXXX and it also states that she is a minor XX/XX/XXXX being her date of birth. When I tried to refund it or explain I didnt receive any help. So the money is just floating around. 
This happened in XXXX of XXXX for the amount of XXXX $

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
When I was under XXXX, I was unknowingly involved in a job application scam I found online. The scammers pretended to be a legitimate employer and had me go through what seemed like a normal hiring process. As part of the onboarding, they sent me a check and asked me to deposit it and then send a portion of the money to a third party, claiming it was for equipment or setup costs. 

I did not know this was a scam at the time, and I followed their instructions. The check later bounced, and I learned that the entire situation was fraudulent. I was still a minor, with little understanding of how scams like this worked, and I truly believed I was accepting a real job opportunity. 

Since this incident, I have been reported to XXXX XXXX XXXX ( XXXX  ), and now I am being denied access to basic banking services. Ive tried to open accounts with multiple banks and have been rejected without a clear explanation or any guidance on how to resolve the issue. I only receive a vague reason code, with no clear method to cure or dispute the situation. 

I believe it is unfair to have my financial future impacted so heavily by one mistake that happened while I was still a minor, especially when I was the victim of fraud. I am requesting that the CFPB look into this issue and urge XXXX  and the reporting bank to provide a transparent explanation and a path to resolution. No young person should be forced to live unbanked for falling victim to a scam beyond their control.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
i request to validate the Debit and the Mount, they dont co-operate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your investigation. would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX Acct XXXX XXXX / XXXX XXXX XXXX XXXX / XXXX XXXX  Account XXXX ) In accordance with The Fair Credit Reporting Act, Public law 95-506, Title VI, Section 611, Subsection A-D, please provide the name and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
my servicer was changed to XXXX in XXXX of last year for both of my XXXX  loan They never sent me any notice of the servicer being changed. I did not receive and correspondence from them. The next thing i know i had a 90 late payments that showed up on my credit report for both XXXX  loan accounts. A 30 day late and a 60 day late payments never showed on my credit report and till this day they do not show. I asked them to remove them since they were already in violation because they did not contact me to inform me that they were the new servicer and they never informed me of a 30 day late payment or a 60 day late payment. A 90 day late payment dropped my score by XXXX points. 
I have been in an income driven payment program for several years and did dot have to make payments on the loan due to my income.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
my servicer was changed to XXXX in XXXX of last year for both of my XXXX  loan They never sent me any notice of the servicer being changed. I did not receive and correspondence from them. The next thing i know i had a 90 late payments that showed up on my credit report for both XXXX  loan accounts. A 30 day late and a 60 day late payments never showed on my credit report and till this day they do not show. I asked them to remove them since they were already in violation because they did not contact me to inform me that they were the new servicer and they never informed me of a 30 day late payment or a 60 day late payment. A 90 day late payment dropped my score by XXXX points. 
I have been in an income driven payment program for several years and did dot have to make payments on the loan due to my income.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: GA

Complaint narrative:
my servicer was changed to XXXX in XXXX of last year for both of my XXXX  loan They never sent me any notice of the servicer being changed. I did not receive and correspondence from them. The next thing i know i had a 90 late payments that showed up on my credit report for both XXXX  loan accounts. A 30 day late and a 60 day late payments never showed on my credit report and till this day they do not show. I asked them to remove them since they were already in violation because they did not contact me to inform me that they were the new servicer and they never informed me of a 30 day late payment or a 60 day late payment. A 90 day late payment dropped my score by XXXX points. 
I have been in an income driven payment program for several years and did dot have to make payments on the loan due to my income.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: FORD MOTOR CREDIT CO.
State: IL

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification is a felony punishable with up to XXXX years of imprisonment, in addition to civil liability. By obtaining my CREDIT BUREAU consumer credit report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ). 

Inquiry Name Inquiry Date XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: MD

Complaint narrative:
Recently, I looked at a copy of my credit report and I noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here us the items I am asking to verify as accurate : XXXX  XXXX XXXX Account # XXXX

Company response to consumer: Closed with non-monetary relief