vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make a report containing any of the following items of information Any other adverse item other than records of convictions of crimes which antedates the report by more than XXXX years.

15 U.S.C 1681s-2 ( A ) ( a ) 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. 

XXXX  XXXX - 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 non-monetary relief
Consumer complaint received 2025-06-22 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
After messaging my loan provider, NelNet, as well as sending a registered letter with supporting proof documents to them, both of which were ignored, I reached out to XXXX XXXX XXXX. They assigned a case number but then, without responding to me, closed the case. Here is what I sent them : " My three loans were all paid back in full with the last payment made on XX/XX/XXXX in the amount of {$4300.00} I have a print-out from the Nelnet site showing my payment history that shows this final payment. I also have a copy of my XXXX  XXXX XXXX statement which shows the withdrawal from my account on XX/XX/XXXX in the amount of {$4300.00}. However, the Nelnet site currently does NOT show the XX/XX/XXXX payment of {$4300.00}. It now shows my last payment as XX/XX/XXXX. The XX/XX/XXXX payment has dropped off from my account payment history. I learned this several months ago as I had been getting Nelnet emails, but I initially disregarded them thinking they were advertising as I knew my loans were all paid off. To attempt to clear up this situation, on XX/XX/XXXX, I wrote a detailed letter explaining the situation to Nelnet, XXXX. XXXX XXXX, XXXX, XXXX XXXX regarding my account # XXXX ; XXXX XXXX XXXX XXXX I included supporting documents that proved the last payment on XX/XX/XXXX in the amount of {$4300.00} was paid along with all the other loans. I mailed the letter by certified mail and it was delivered on XX/XX/XXXX. I received NO response. I then messaged the XXXX XXXX department, again explaining the error on my account and included a copy of my XX/XX/XXXX correspondence. Once again, I received no response. Finally, on XX/XX/XXXX, I submitted a complaint to you, XXXX, on this same site, with the information above and included my original XX/XX/XXXX correspondence to Nelnet along with proving supporting documents and received no response from you. I have, again, included my original correspondence to Nelnet, my payment history, which shows the XX/XX/XXXX payment, and my Bank XXXX XXXX statement, which shows the withdrawal. I hope you will respond this time. Thank you. '' I'm hoping you'll be able to help me with this situation. I have attached documents that prove the payment was made in full. 

Thank you for your help! 

Best wishes, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: NY

Complaint narrative:
MY INFORMATION WAS EXPOSED BY EQUIFAX XXXX BREACH, WHICH LED TO FRAUDULENT ACCOUNTS APPEARING ON MY REPORT. I AM ALSO A VICTIM OF IDENTITY THEFT. NOT TO MENTION, THE ACCOUNT IS CLOSED. THE ACCOUNT IS XXXX XXXXXXXX XXXX XXXXXXXX {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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: NY

Complaint narrative:
MY INFORMATION WAS EXPOSED BY EQUIFAX XXXX BREACH, WHICH LED TO FRAUDULENT ACCOUNTS APPEARING ON MY REPORT. I AM ALSO A VICTIM OF IDENTITY THEFT. NOT TO MENTION, THE ACCOUNT IS CLOSED. THE ACCOUNT IS XXXX XXXXXXXX XXXX XXXXXXXX {$0.00}

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 explanation
Consumer complaint received 2025-06-22 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: TX

Complaint narrative:
I filed an FTC report and froze my credit reports. I am a victim of identity theft my personal info has been used to apply for accounts, get credit accounts and utilities in my name by using my social, birthdate and several names similar to mine but not mine. My information was stolen and has cause me lots of time to get things corrected. I'm making this report to have unauthorized activity, accounts, inquires and more block from my all credit bureaus immediately, My personal info was leaked in Experian, Transunion and XXXX XXXX XXXX XXXX. Once I pulled my credit and became aware I tried to file a claim and was told I was pass the deadline to file. This information is not linked to my transaction. The info below are all fraud. Please block and delete these unauthorized fraudulent accounts from my bureaus. I now have a freeze and credit monitoring in place. The only name thats correct is the XXXX on my license. Collections unauthorized I have no contract or wet ink signature accounts with these creditors. CXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not apply for any credit with these companies and they do not have a wet signature or contract between. XXXX XXXX XXXX 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 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX To : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, XXXX  XXXX -- - RE : FORMAL DISPUTE DEMAND FOR REMOVAL OF UNAUTHORIZED HARD INQUIRY FROM XXXX XXXX XXXX  XXXX XXXX XXXX. 

Filed in Conjunction with CFPB Complaint | FCRA 604 ( a ), 1681b ( c ), 1681e ( b ) To Whom It May Concern, This is a formal demand for immediate deletion of an unauthorized hard inquiry currently appearing on my Equifax credit report. The inquiry in question was made by : XXXX XXXX XXXX  XXXX, XXXX. XXXX XXXX I did not apply for credit with XXXX XXXX XXXX, nor did I authorize this inquiry. Under the Fair Credit Reporting Act ( FCRA ), this constitutes an unauthorized access to my consumer report, and it must be removed without delay. 


-- - LEGAL BASIS FOR REMOVAL : 1. FCRA 604 ( a ) No Permissible Purpose Credit reporting agencies may only release consumer reports with a legally defined permissible purpose. XXXX XXXX did not have my written or oral consent, and no application was made that would justify this inquiry. 

2. FCRA 1681b ( c ) Lack of Written Authorization Hard inquiries require explicit authorization from the consumer. The absence of such consent violates 1681b ( c ) and renders this inquiry unlawful. 

3. FCRA 1681e ( b ) Failure to Ensure Accuracy Equifax is required to maintain and report only maximum accurate and verifiable information. Continuing to report a hard inquiry that was not authorized and can not be verified violates this requirement. 


-- - DOCUMENTS ATTACHED : Copy of government-issued ID Proof of current address Statement identifying the unauthorized inquiry -- - DEMAND FOR ACTION : I hereby demand that Equifax : 1. Immediately delete the unauthorized XXXX XXXX XXXX  XXXX XXXX. hard inquiry from my report ; 2. Provide written confirmation of removal within 30 days, as required by FCRA 1681i ( a ) ; 3. Furnish an updated copy of my Equifax credit report showing the inquiry has been removed. 




-- - NOTICE OF ESCALATION AND LEGAL CONSEQUENCES : If Equifax fails to delete this unauthorized inquiry or refuses to provide confirmation of action, I will : File a complaint with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ) ; Pursue litigation under FCRA 1681n and 1681o for willful or negligent violations ; Seek statutory and actual damages, punitive damages, and reimbursement of legal fees. 


This is your final opportunity to resolve this matter without escalation. Your failure to ensure the accuracy of my consumer report and to protect it from unauthorized access is a serious violation of federal law. 


-- -

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: DE

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-06-22 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: WI

Complaint narrative:
I recently checked my credit report and saw so many inaccurate accounts that do not belong 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 non-monetary relief
Consumer complaint received 2025-06-22 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: WI

Complaint narrative:
I recently checked my credit report and saw so many inaccurate accounts that do not belong on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: AMERISAVE MORTGAGE CORPORATION
State: FL

Complaint narrative:
The company AmeriSave Mortgage CorpXXXXXXXX XXXX XXXX XXXX XXXX charged {$20000.00} for 3.875 % of loan amount points that was not explained in detail to the borrower. It was found out during closing that this amount was included in the cost. when borrower call the loan officer XXXX XXXX to question this issue it was said that the money was supposed to reduce the interest rate percentage. However borrower noticed instead of reducing it the interest rate went up. In addition, upon reviewing the loan about 2 years after, it shows that there was no points for the loan. Thus, a call was placed to the loan officer, message left with no call back.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
In XX/XX/year> I was notified by The XXXX XXXX of XXXX XXXX, XXXX ( XXXX ) that my personal information was exposed in a cybersecurity incident. 

XXXX notice explained that an unauthorized party accessed its network and obtained files containing customers names, dates of birth, Social Security numbers, and other personal data. 

Shortly after receiving the breach letter, I reviewed my credit reports and discovered several accounts that I did not open I have never applied for credit with the companies reporting these accounts, have not authorized anyone else to do so, and have suffered harm to my credit and peace of mind. 

I CREATED A FTC REPORT # XXXX. DELETE ALL ACCOUNT BELOW. 

XXXX XXXX BANK XXXX XXXX XXXX XXXX PA XXXX XXXX PA XXXX XXXX PA 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 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
In XX/XX/year> I was notified by The XXXX XXXX of XXXX XXXX, XXXX ( XXXX ) that my personal information was exposed in a cybersecurity incident. 

XXXX notice explained that an unauthorized party accessed its network and obtained files containing customers names, dates of birth, Social Security numbers, and other personal data. 

Shortly after receiving the breach letter, I reviewed my credit reports and discovered several accounts that I did not open I have never applied for credit with the companies reporting these accounts, have not authorized anyone else to do so, and have suffered harm to my credit and peace of mind. 

I CREATED A FTC REPORT # XXXX. DELETE ALL ACCOUNT BELOW. 

XXXX XXXX BANK XXXX XXXX XXXX XXXX PA XXXX XXXX PA XXXX XXXX PA 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 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: HireRight Solutions, Inc.
State: TX

Complaint narrative:
During the interview, with XXXX XXXX XXXX XXXX. I disclosed my criminal history, and the XXXX confirmed it would not affect my employment. I was hired on XX/XX/year>, as a full-time Substitute Physician EMT B. However, on XX/XX/year>, I was terminated due to an unsatisfactory background check report provided by HireRight. 

I was not given a copy of the background check report before my termination, only the summary on my rights at the time the background was requested on XX/XX/year>. 

I requested the report from HireRight after I was fired. I submitted the request, and later received the report by mailwell after the adverse action had already been taken. 

Additionally, I received a second copy of the report from HireRight, seemingly generated after the employer notified them I was not right for the job. That confirms that I was not given a fair opportunity to review or dispute the contents of the report before termination. 

This violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( b ) ( 3 ) ( A ), which requires both a copy of the report and a reasonable time to respond before adverse action is taken. I attempted to resolve this issue directly with the employer and received no written resolution. I request that the CFPB review HireRights compliance with FCRA requirements and take enforcement action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am disputing XXXX student loan accounts currently being reported by XXXX XXXX Department of Education that are inaccurate and were not authorized or initiated by me. These accounts are listed as severely delinquent ( 120 days late ), totaling over {$10000.00}, and are negatively impacting my credit reports across Experian, Equifax, and TransUnion. 

I only attended college for XXXX year and paid out of pocket for all expenses. I never applied for or received any student loans from XXXX or the Department of Education. The reporting of these accounts is fraudulent and appears to be the result of identity theft, potentially related to recent large-scale national data breaches. 

I submitted written disputes and supporting documentation to the credit bureaus under my rights in the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-2. This law gives me the right to have all information resulting from identity theft permanently blocked from my credit file. Despite this, the accounts remain on my reports. 

I am requesting immediate investigation and removal of these false accounts, as I never authorized or received any funds, and there is no valid loan agreement in my name. These entries are not only inaccurate, but they are harmful to my financial standing.

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 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am disputing XXXX student loan accounts currently being reported by XXXX XXXX Department of Education that are inaccurate and were not authorized or initiated by me. These accounts are listed as severely delinquent ( 120 days late ), totaling over {$10000.00}, and are negatively impacting my credit reports across Experian, Equifax, and TransUnion. 

I only attended college for XXXX year and paid out of pocket for all expenses. I never applied for or received any student loans from XXXX or the Department of Education. The reporting of these accounts is fraudulent and appears to be the result of identity theft, potentially related to recent large-scale national data breaches. 

I submitted written disputes and supporting documentation to the credit bureaus under my rights in the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-2. This law gives me the right to have all information resulting from identity theft permanently blocked from my credit file. Despite this, the accounts remain on my reports.

I am requesting immediate investigation and removal of these false accounts, as I never authorized or received any funds, and there is no valid loan agreement in my name. These entries are not only inaccurate, but they are harmful to my financial standing.

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 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am disputing XXXX student loan accounts currently being reported by XXXX XXXX Department of Education that are inaccurate and were not authorized or initiated by me. These accounts are listed as severely delinquent ( 120 days late ), totaling over {$10000.00}, and are negatively impacting my credit reports across Experian, Equifax, and TransUnion. 

I only attended college for XXXX year and paid out of pocket for all expenses. I never applied for or received any student loans from XXXX or the Department of Education. The reporting of these accounts is fraudulent and appears to be the result of identity theft, potentially related to recent large-scale national data breaches. 

I submitted written disputes and supporting documentation to the credit bureaus under my rights in the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-2. This law gives me the right to have all information resulting from identity theft permanently blocked from my credit file. Despite this, the accounts remain on my reports.

I am requesting immediate investigation and removal of these false accounts, as I never authorized or received any funds, and there is no valid loan agreement in my name. These entries are not only inaccurate, but they are harmful to my financial standing.

Company response to consumer: Closed with non-monetary relief