vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 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: GA

Complaint narrative:
On XX/XX/year>, I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion XXXX XXXX, Equifax XXXX XXXX XXXX XXXX, and Experian XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an accounts foXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This has cause me great anxiety, stress, and financial hardship. 

XXXX XXXXXXXX XXXX XXXX : I don't know what this company is. It is against the fair credit reporting act LAW for a major company to sell your debt to a collection agency, That is personal information! When someone signs a contract with a MAJOR company, that person gave their PERSONAL INFORMATION to that ONE Major company. For that MAJOR COMPANY CREDITOR to sell an account to a collection agency to come after you is against the law!!! Once that original creditor company sold that debt owed to a collection agency, they FORFEIT any money that was owed for that debt. A contract was not signed with a collection agency there for you do not owe a collection agency any debt. By law, you must remove this collection immediately. Please move this collection for all my credit reports! 

Proof is not a payment history, Someone has done fraud to my credit profile and has been paying account on my credit profile. Please do not provide proof of a payment history. Someone has been paying account on my credit profile and you are penning me to it as verified proof when that is no proof at all. This is all fraudulent activity on my credit profile.

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 2025-05-15 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: NC

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
my spectrum log in information was compromised 7 months ago according to my XXXX XXXX XXXXelling me. I did not change that password in the last 12 months and someone logged into my XXXX  acount and did a XXXX XXXX XXXX all online and took over my phone and downloaded all my XXXX  information. They logged into my XXXX  and wellsfargo account and spent as much money in XXXX hours as they could before I could get XXXX  to XXXX  the XXXX  XXXX  they did to this fraudulent party. 

XXXX  told me this is a common problem they have and its all on the users end and they dont care to fix it, they do offer fraud protection but this is defaulted to off and you have to turn in to for account protection. When turned on but a new phone is added the account protection automatically defaults back to off as well. It is a very scammy process and XXXX  has violated my rights and safety. 

Wells fargo was very helpful about recovering everything and 3 days later the perpetrator is still spending money somehow despite bank account numbers switched, card numbers changed, log in name changed, password changed and I am still get fraud charges at XXXX. 


Wells fargo has been helpful, I am considering legal action against XXXX for their representatives words towards me on the phone as she spoke over me every time I talked and accused me of being the comprimise. DO NOT USE XXXX  if you value your security, they could not care any less.

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 2025-05-15 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:
First off, I was never informed that my loans were coming out of deferment. I was notified that XXXX would be my Servicer via mail, so I know they have my correct address. The initial letter stated they would be my Servicer and would provide payment details later. My first notice of a payment being due was when my credit score dropped because they reported my account as 90 days past due, but there was no report of 30 or 60 days late on the report. XXXX and XXXX were marked as on time and then XXXX was 90 days late. How is this possible? I have 3 loans serviced by XXXX, so my score dropped XXXX points overnight. Additionally, XXXX apparently has 3 different websites. I kept checking the main XXXX site that serviced my loans that were forgiven under Public Service forgiveness and it shows a {$0.00} balance. Then, I found a second XXXX website, ( XXXX ) that also showed a balance of XXXX and no payment due. Finally, I found the 3rd XXXX website ( XXXX ) and found where my loans were due with messages only on that website of past due notices. How was I supposed to know that there are 3 different websites for XXXX? Why was I not informed by XXXX via mail of where to create an account? It is all very confusing, and I believe it is intentional so they can garnish wages. I want the negative reports immediately removed from all 3 credit reports. Interestingly enough, my XXXX account still shows an amount due of {$0.00}! I need help to restore my good credit. Im XXXX and have NEVER had a late payment or less that perfect credit and wait times for XXXX are 2 to 5 hours long. PLEASE HELP ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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:
These accounts were not opened by me and appear to be fraudulent. I urge you to conduct a detailed review and remove them from my credit report. Relevant supporting documents are attached.

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 2025-05-15 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:
To Whom It May Concern, I am filing a formal dispute regarding inaccuracies reported by Experian related to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This matter has been disputed XXXX XXXX  over XXXX times XXXX XXXX yet the errors persist, negatively affecting my creditworthiness. 

The discrepancies include XXXX XXXX XXXX XXXX  Payment status inconsistencies XXXX XXXX XXXX Experian reports my account as Current Account/ Was 30 Days Past Due, which contradicts the records from Equifax and TransUnion. 
XXXX XXXX XXXX  Delinquency reporting errors : XXXX XXXX XXXXXX/XX/year> is listed as XXXX XXXX 30 days past due * *, but the remaining months indicate " OK, '' revealing a failure to maintain accurate reporting standards.

Under * * FCRA Section 605B * *, credit bureaus are required to * * block inaccurate information within four business days * * once a consumer provides supporting documentation.

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 2025-05-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I WAS TO BE IN FORBEARANCE UNTIL THE XXXX XXXX XXXX. NO EMAILS OR PHONE CALLS REGARDING THE LOAN OR REPAYMENT. NO EMAILS STATING THE PAYMENT WAS DUE EVEN THOUGH I GET EMAILS FROM NELNET WITH UPDATES REGARDING THEIR COMPANY OR GENERIC EMAILS ABOUT REPAYMENT TIPS. XX/XX/year> MY CREDIT TOOK A XXXX POINT DIVE FOR FOUR MISSED PAYMENTS TO THEM FOR STUDENT LOANS WHICH I WAS UNAWARE OF. IN XXXX ADULT YEARS OF MY CREDIT SCORE I HAVE NOT ONCE EVER MISSED A PAYMENT ON ANYTHING. I CALLED NELNET AND WAS ASKING WHY THERE WAS NEVER ANY CALL REGARDING THESE PAST DUE PAYMENT AND I ASKED WHEN DID THE PAYMENT DATE CHANGE. NO ANSWER WAS GIVEN TO ME BY THE MALE ON THE OTHER LINE. THE ONLY ANSWER I RECEIVED WAS 'THAT IS THE DUE DATE NOW AND IT IS ALREADY REPORTED WE CAN NOT DO ANYTHING ABOUT IT '. I VERIFIED THEY HAD MY CORRECT EMAIL, MAILING ADDRESS AND PHONE NUMBER ON FILE BEFORE I ASKED WHY I DID NOT RECEIVE A SINGLE NOTICE OF ANY CHANGE WHICH AGAIN I DID NOT RECEIVE AN ANSWER FROM THE MALE ON THE PHONE. I THEN ASKED TO SET UP A PAYMENT PLAN RIGHT THEN FOR A COUPLE MONTHS UNTIL I COULD GET EVERYTHING IN ORDER BY XX/XX/year> SINCE THAT IS WHEN I WAS ORIGINALLY TO START PAYING AND I NEEDED TO PAY A FEW THINGS OFF FIRST AND I WAS TOLD NO I EITHER HAD TO PAY THE MONTHLY CALCULATED NOTE, I COULD PAY MORE THEN THAT OR I COULD DO I GRADUATED PLAN. I ASKED HOW THESE NUMBERS FOR THE MONTHLY PLAN WERE CALCULATED AS I HAVE NEVER GIVEN ANY PAYMENT OR SALARY INFORMATION AND HE WOULD NOT DISCLOSE THAT INFORMATION OTHER THAN THAT IS WHAT THEY HAVE. I ASKED FOR A BREAKDOWN OF MY LOAN FROM START TO FINISH AS I DID NOT THINK THE AMOUNT TO BE PAID MONTHLY NOR THE XXXX XXXX WAS ACCURATE AND I WANTED TO MAKE SURE THE NUMBERS ALL ALIGN. TO DATE TWO MONTHS LATER I STILL HAVE NOT RECEIVED THAT INFORMATION AND IT IS XX/XX/year> WITH ME FOLLOWING UP FOR THAT INFORMATION. I THINK SOMETHING SHADY IS HAPPENING AS I CAN NOT RECEIVE THE INFORMATION ON MY ACCOUNT AND BREAKDOWN AS WHAT IS PROVIDED ON THEIR SITE DOESNT DOWN LOAD IT IS JUST DROP DOWNS AND DOESNT GIVE A COMPLETE BREAKDOWN JUST SAYS HOW MUCH IS OWED ON THE LOAN AND NOTHING ELSE. I DONT WANT TO PAY INTO SOMETHING I DONT KNOW WHERE OR TO WHAT THE MONEY IS GOING BUT I DONT KNOW WHAT ELSE TO DO

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against SPRINGOAKCAP regarding an account I have with them XXXXXXXX XXXX XXXX XXXX XXXX I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : SPRINGOAKCAP ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$670.00} I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with SPRINGOAKCAP but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: NC

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that to disclose my personal information, you have to have my written consent, making you liable for any remedy under the 15 U.S.C. Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report, I noticed your office again violated my privacy. Under 15 USC 1681 ( a ) ( 4 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
I was a victim of identity theft due to a data breach, and these accounts were opened without my consent. 
XXXX XXXX XXXX ( Auto Loan ) Date Opened : XX/XX/XXXX Amount : {$12000.00} XXXX XXXX XXXX ( Charge-Off ) Date Opened : XX/XX/XXXX Amount : {$350.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have 7 hard inquiries on my credit report as of today XX/XX/year>. 5 of these 7 are over a year old and supposed to be removed after 90 days. Please remove from credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
Urgent Request to XXXX XXXX XXXX I am writing to request an immediate freeze on my credit file due to unauthorized activity. On XX/XX/year>, at XXXXXXXX XXXX, I received a call from Frost Bank ( phone number : XXXX ), informing me that my personal information had been usedwithout my authorizationto open a new account online. The fraudulent activity involved an address I last used 12 years ago. 

I have not granted permission to anyone to access my personal information or open accounts in my name. I request that you immediately freeze my credit and block any unauthorized charges or activity that I have not personally approved. 

Please confirm once this request has been processed, and let me know if you require any additional information. I appreciate your prompt attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: MO

Complaint narrative:
Account XXXX XXXX XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent the proper notification, please provide 'Certified Mail ' with receipt display my signature. If not, please delete the account # XXXX as soon as possible or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: CA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

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 2025-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JTM Capital Management, LLC
State: VA

Complaint narrative:
I first received a phone call from a woman claiming to be a process server. She explained to me that I owed a debt with a credit card company that I do not think I owe. I then contacted the original creditor and ask them for documentation they only sent me a letter said they investigated it and I owed it. Previously I received a phone call from a man who read out my social security number on my voicemail. In fact it was incorrect and said they were sending a process server to my home to serve me with papers for judgment in XXXX XXXX Court. I contacted the company and the gentleman that answer the phone hung up on me when I wanted to discuss what had been done. I still have the voicemails on my phone and I will be keeping them. At no time was a mini XXXX read to me the debt is from 2018 and is out of the XXXX they used false collection practices.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-15 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: Atlanticus Services Corporation
State: NY

Complaint narrative:
I submitted my information to Fortiva via their website to check if I was pre-qualified for a credit card. I understood this to be a soft inquiry with no obligation or commitment, which is standard industry practice for pre-qualification checks. 

However, upon submission, Fortiva immediately approved me for a credit card and initiated the process of sending me the physical cardall without my clear, informed consent to proceed with a full application or open a new account. I never activated or requested the card to be sent. I only intended to check eligibility, not to initiate an account or receive credit. 
This deceptive tactic feels misleading and borderline predatory, especially considering Fortiva caters to consumers with lower credit scores who may not be fully aware of the fine print. I believe this behavior : Violates fair disclosure standards, Could result in unwanted credit reporting that affects my score, Was executed without proper, explicit consumer consent. 
I am requesting the CFPB to investigate this matter as it appears Fortiva may be engaging in unfair, deceptive, and potentially abusive acts or practices ( UDAAP ) as defined under the Dodd-Frank Act. 

Thank you for your time and attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-15 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: GA

Complaint narrative:
Experian is inaccurately reporting a late payment for XXXX XXXX XXXX XXXX XXXX  - Reporting Past Due : {$0.00} * * on my credit report. This entry is both misleading and potentially damaging to my creditworthiness, as even a single inaccurate late payment can have a significant negative impact on my credit score. Under 15 U.S.C. 1681e ( b ), Experian has a strict obligation to ensure the maximum possible accuracy of the information it includes in consumer reports, yet this obligation appears to have been disregarded in this instance. 

Additionally, Experians continued reporting of this inaccurate late payment despite my previous disputes indicates a potential failure to conduct a proper reinvestigation as required under 15 U.S.C. 1681i ( a ). This section mandates a reasonable investigation upon receiving a consumer dispute, yet it appears that Experian either failed to conduct such an investigation or did so in a grossly inadequate manner, resulting in the continued presence of this disputed late payment on my credit file. This oversight is unacceptable and warrants immediate correction.

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 2025-05-15 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:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, Experian, and Equifax.

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