vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 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: AR

Complaint narrative:
I am writing to dispute the following information in my file. 
This item from Nelnet, the facilitators of my student loan, is inaccurate because I was never contacted or made aware that my account status went from deferred to forbearance and apparently sometime in the beginning of 2025 it went delinquent for nonpayment of over 90 days. It then went back into forbearance and is still in forbearance until XX/XX/XXXX of 2025. I have since made a payment and set up ACH or auto payments in the amount of {$200.00} moving forward. I also requested they remove this from my credit, and they refused that request. I then asked if I paid it in full would they remove this from my credit and they once again refused and said the only way they can remove this is if I show proof that I were XXXX in the military or was enrolled in school. They could not provide me with an accurate description or definition of school as I have been enrolled for further education, certification, licensing and continuing education within my line of work for over a year. As a result of all my best efforts to resolve this matter and get this removed from my credit they refused, and it has led me to reach out to all the Credit Bureaus and the CFPD Consumer Financial Protection Bureau to file a formal complaint. Once again, I am requesting that this item be removed from my credit immediately. 
I have documentation showing my account status in forbearance and my recent payment receipt along with setting up ACH or auto pay to prevent this from happening aggain. 
Most importantly, this is effecting my daughters ability to procure her student loans for her freshman year. She has been denied becasue of the above delinguent status under my credit information and every lender requires she list me as a co-signer or borrowor. 

The fact that Nelnet will not provide a letter or release to credit bureaus and request the removal of this matter unless I the consumer provide proof of military or school enrollment as my only options for the said delinquent report is not fair to me or my daughter and her future ability to aquire any type of loan or financial assistance. 

I request that someone from the CFPB assist me in this matter asap. Being forced to pay my daughters school tuition because of a {$130.00} delinquent payment on my credit that I have not only resolved but have put for processes to avoid it from accurring again should not be burdened by my daughter. She should have the right to a fair student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$550.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2900.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2800.00}

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 2025-08-05 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: FL

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, I noticed several unauthorized hard inquiries and collection accounts appear on my credit reports from Equifax, TransUnion, and Experian. I did not apply for credit or authorize these companies to access my credit reports. I believe I am a victim of identity theft. 

Here are some specific examples : Hard Inquiries I Did Not Authorize : Equifax : 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 TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collections I Did Not Authorize or Open : XXXX XXXX Reported on TransUnion & Experian, showing a balance of approx. {$780.00} XXXX Reported on TransUnion, approx. {$650.00} I never opened accounts with these companies or authorized them to access my credit. I only became aware of these entries while checking my credit for a car purchase and apartment rental. These fraudulent entries have lowered my credit score significantly and are interfering with my ability to get approved for housing and financing. 

I contacted the credit bureaus to dispute these items and began filing an identity theft report with the FTC. Despite this, the items remain on my credit.

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 2025-08-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, I noticed several unauthorized hard inquiries and collection accounts appear on my credit reports from Equifax, TransUnion, and Experian. I did not apply for credit or authorize these companies to access my credit reports. I believe I am a victim of identity theft. 

Here are some specific examples : Hard Inquiries I Did Not Authorize : Equifax : 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 TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collections I Did Not Authorize or Open : XXXX XXXX Reported on TransUnion & Experian, showing a balance of approx. {$780.00} XXXX Reported on TransUnion, approx. {$650.00} I never opened accounts with these companies or authorized them to access my credit. I only became aware of these entries while checking my credit for a car purchase and apartment rental. These fraudulent entries have lowered my credit score significantly and are interfering with my ability to get approved for housing and financing. 

I contacted the credit bureaus to dispute these items and began filing an identity theft report with the FTC. Despite this, the items remain on my credit.

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 2025-08-05 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. 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! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-05 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. 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! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC
State: NC

Complaint narrative:
On XX/XX/year>, I attempted to make an extra principal payment of {$1600.00} on my Lakeview Mortgage loan. This was not a scheduled monthly payment. Before finalizing the payment, the companys system added {$3900.00} without my authorization, resulting in a total debit of {$5600.00} from my checking account. 

I contacted Lakeview immediately to request reversal of the unauthorized portion, but they refused. Because of this, I had to use my personal line of credit to cover the shortfall, which will result in finance charges.

I have filed a Regulation E dispute with my bank for an unauthorized electronic funds transfer and am seeking an immediate refund of the {$3900.00} plus reimbursement of finance charges once known.

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 2025-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

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 2025-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was contacted about this situation by an employee from Bank of America who handles these cases. She left a voicemail and told me she had a resolution and to call her back. I called back and left several voicemails, even including her working hours. The case ran its course and expired, which resulted in being closed on CFPB, but out of fairness and integrity, I still want the resolution I was promised and would like to return as a Bank of America customer and open accounts moving forward if a resolution is met satisfactorily with me. Request for Refund of Overdraft Fees Charged on XX/XX/XXXX Complaint Details : On XX/XX/XXXX, Bank of America charged me XXXX consecutive overdraft fees of {$35.00} each, totaling {$100.00}. 
These charges placed a significant financial burden on me at the time and were a key factor in my decision to close the account. 
At the time, I was an out-of-state college student living on limited financial aid during the challenging circumstances of the COVID-19 pandemic. These fees added undue stress to an already difficult period when my financial resources were extremely constrained. Since then, Ive learned that Bank of America has updated its overdraft policies to significantly reduce or eliminate such fees. As of XXXX : Non-Sufficient Funds ( NSF ) fees have been eliminated. Overdraft fees have been reduced from {$35.00} to {$10.00} per occurrence. Overdraft protection transfer fees were also removed. These changes reflect an acknowledgment that prior overdraft practices may have been excessive and burdensome for customers. I respectfully request that my case be reconsidered in light of these updated policies and my specific circumstances at the time. I kindly ask that the {$100.00} in overdraft fees charged to my account on XX/XX/XXXX, be refunded as a goodwill gesture. Although my account is now closed, I was a loyal customer before these fees were assessed. I believe a refund would not only rectify the situation but also demonstrate Bank of Americas commitment to fairness and customer satisfaction, particularly during periods of financial hardship like the pandemic. Thank you for your time and attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: NY

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-08-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: UT

Complaint narrative:
My son had opened a new savings account with Marcus and recommended it to me. I opened an account on XX/XX/scrub> 2024 with an initial ACH deposit from my credit union of {$5000.00}. 

I received XXXX, XXXX, and XXXX account statements. Additionally, I received a letter from Marcus dated XX/XX/scrub> 2024 that stated : " We're writing to confirm that your Online Savings account has been closed. We hope Marcus has helped you get closer to your financial goals.

You may wish to check out our current rates at marcus.com and, if it makes sense for your needs, open a new account.

If you have any questions, please give us a call.

Sincerely, Marcus by Goldman Sachs '' There was no other explanation or check enclosed. The line item on the XXXX statement read " CLOSED '' and zeroed out the account. I assumed it was my son so brought it up to him. He confirmed he had not done anything with the account nor could he since it was my account. 

On XX/XX/scrub> 2024, during his holiday visit, we called Marcus together. Explained the circumstances to the Marcus representative. After some time, the representative said Marcus would contact us as it was being investigated. The representative did not provide anything other than a case # ( XXXX ). We requested an email, letter, or phone number about the matter or telling us how to follow up but the representative simply stated we needed to call back but Marcus would get back to us.

I didn't receive any further correspondence from Marcus and my money was never returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax is reporting fraudulent accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: FL

Complaint narrative:
In accordance with the FCRA my rights have been violated. My rights to privacy and confidentiality per 15 USC 1681 section 602 and also 15 USC 604 ( a ) section 2 which states that a consumer reporting agency can not furnish an account without my handwritten instructions. Also, according to 15 USC 1681 ( c ) ( a ) ( 5 ) another violation and lastly 15 USC 1681 ( s ) ( A ) ( 1 )

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 2025-08-05 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: FL

Complaint narrative:
In accordance with the FCRA my rights have been violated. My rights to privacy and confidentiality per 15 USC 1681 section 602 and also 15 USC 604 ( a ) section 2 which states that a consumer reporting agency can not furnish an account without my handwritten instructions. Also, according to 15 USC 1681 ( c ) ( a ) ( 5 ) another violation and lastly 15 USC 1681 ( s ) ( A ) ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: U.S. BANCORP
State: TX

Complaint narrative:
I reviewed my consumer report and noticed several unauthorized inquiries. I spoke with several representatives from XXXX. On different dates and was informed to send in a cfpb report with my driver 's license, social security card. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USBANK Inquiry 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 non-monetary relief