vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-13 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX ( XXXX ) XXXX [ Date ] To : [ TransUnion / Equifax / Experian choose one per letter ] [ Address of Bureau see below ] Subject : Request for Investigation and Removal of Unauthorized Hard Inquiries Dear [ TransUnion / Equifax / Experian ], I am writing to formally dispute a number of hard inquiries listed on my credit report, which I did not authorize and have no prior knowledge of. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b ( c ), credit inquiries require consumer consent, and any inquiries made without my express permission are a violation of federal law. 

Below is a list of inquiries I believe to be unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As allowed by 15 U.S. Code 1681i, I request that you initiate an immediate investigation into these inquiries. If the companies can not provide documented proof that I authorized the inquiries ( such as a signed credit application ), they must be removed from my credit report.

Please provide me with written confirmation of the results of your investigation within 30 days, as required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX ( XXXX ) XXXX [ Date ] To : [ TransUnion / Equifax / Experian choose one per letter ] [ Address of Bureau see below ] Subject : Request for Investigation and Removal of Unauthorized Hard Inquiries Dear [ TransUnion / Equifax / Experian ], I am writing to formally dispute a number of hard inquiries listed on my credit report, which I did not authorize and have no prior knowledge of. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b ( c ), credit inquiries require consumer consent, and any inquiries made without my express permission are a violation of federal law. 

Below is a list of inquiries I believe to be unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As allowed by 15 U.S. Code 1681i, I request that you initiate an immediate investigation into these inquiries. If the companies can not provide documented proof that I authorized the inquiries ( such as a signed credit application ), they must be removed from my credit report.

Please provide me with written confirmation of the results of your investigation within 30 days, as required by law. 

Sincerely, 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 2025-06-13 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:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: NC

Complaint narrative:
This is my FIFTH and FINAL NOTICE regarding the fraudulent information being reported on my consumer file in violation of FCRA 605B. You have repeatedly failed to comply with your obligations to block this information after receiving a valid FTC Identity Theft Report and supporting documents.

The continued reporting of these accounts and inquiries is damaging, unlawful, and considered WILLFUL NONCOMPLIANCE, which entitles me to seek ACTUAL AND STATUTORY DAMAGES under 15 U.S.C. 1681n. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$1800.00} INQUIRIES : Please also ensure that all outdated or inaccurate addresses and aliases are deleted. Only the following should remain : Name : XXXXXXXX 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
Consumer complaint received 2025-06-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Marlette Funding, LLC
State: GA

Complaint narrative:
I sent XXXX XXXX XXXX, which is the bank that funds XXXX XXXX Loans a 1099-A, which in return the Department of Treasury paid off this loan in full, which XXXX XXXX XXXX  XXXXent me a 1099-OID to apply a payment/credit to this loan. I have the IRS forms from XXXX XXXX XXXX  showing proof that this loan debt has been cancelled, but it is not showing through my portal. Please update my balance to {$0.00}, which I am no longer liable for this debt because a credit was already applied to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX from the IRS. Please check and adjust a credit to my account for the amount of : {$44000.00}. Thanking you in advance for correcting this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
Original transaction took place on XX/XX/XXXX. Immediately once I realized it went to the wrong account PayPal claim they couldnt do anything about it.PayPal is refusing to return {$5000.00} that was returned via ACH ( Trace # XXXX ) on XX/XX/year> at XXXXXXXX XXXX.Despite confirmation from XXXX that funds were returned, PayPal claims the bank still has the money. They've deleted message threads, refuse U.S. escalation, and continue misleading me. I've sent multiple executive-level demands.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: TN

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. 

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 XXXXXXXX List of Unauthorized Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2025-06-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Corp Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX hired Credit Corp Solutions to collect {$700.00} from an account that was supposedly open for one day. I absolutely do not have an account with them. This is a false collection that has hurt my credit score. I want it removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I called TD credit services in XXXX of XXXX, I told them that my statements were incorrect, and the charges were extremly higher then what I was purchasing, I asked them to send me five months of previous statements and they did, I called back in XXXX of XXXX, and asked them freeze my account, because i suspected XXXX, I continued to make monthly payments. I went to the drive up window to make a payment on XXXX XXXX XXXX, and left my credit card in the window mistakenly, I had left the bank and received a call stating that if i didnt return to get my card in a hour it would be shredding that evening, I explained that I couldnt get their before closing, they told me they would just issue me a new card, amd send it in the mail, I waited a week and never received the card. SO i went to the branch on XXXX XXXX, in XXXX XXXX XXXX XXXX explained what happened to the manager, i was informed that teye closed my account premanantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: CL Holdings LLC
State: GA

Complaint narrative:
Jefferson Capital verified the account to the credit bureaus without providing any of the requested documentation. They failed to respond with proof under FDCPA guidelines, yet they continue reporting the account as valid. This violates : 15 U.S. Code 1692g ( b ) debt must be validated or removed 15 U.S. Code 1681s-2 ( b ) furnishers must correct or delete disputed data Engelhardt v. Gravens, 281 S.W. 715, 719 estoppel by silence ( failure to respond = no rebuttal ) Despite my written dispute, they continued collection efforts and credit reporting activity without legal proof or investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Nelnet, Inc.
State: IL

Complaint narrative:
I am filing a formal complaint against Nelnet, my federal student loan servicer, for unauthorized removal of loan accounts from my credit report, failure to notify me of these changes, and continued billing communications despite unclear loan status. These

actions may constitute violations of the Fair Credit Reporting Act ( FCRA ) and potentially the Privacy Act of 1974 and FERPA.

Between XX/XX/XXXXXXXX  and XX/XX/XXXX, all but one of my XXXXserviced federal student loans were removed from my credit report with no explanation ( XXXX XXXX ). XXXX XXXX now displays the message : DEPTEDXXXX  account removed from your file. XXXX  also confirms the removal of the same loans, yet neither platform issued a notificationindicating an unusual, likely manual reporting update by Nelnet. The only remaining loan is a minor balance, which raises concerns of selective reporting or litigation-related data manipulation. 

I filed a dispute in XX/XX/XXXXXXXX  to remove these loans from my report due to personal information being accessed by non government employees without my consent. The dispute results returned with all accounts remaining on my report ( screenshots attached ) and now all but one loan was silently removed with no notification? 

Despite these current removals, Nelnet continues to send communications indicating upcoming payment due dates, creating confusion and potential false representation of account status. 

I have not received any communication from Nelnet regarding a transfer, forgiveness, discharge, forbearance, or deferment that would explain these changes. Their lack of transparency and conflicting communications appear to be deceptive and inconsistent with federal servicing and reporting obligations. 

Additionally, I have been informed that Nelnet is currently involved in a class action lawsuit involving FCRA violations, which raises further concern that these removals may be connected to ongoing legal exposure or error remediation efforts. I have also filed a complaint with the Department of Education using their website, and they continue to repeat the response that they are committed to safeguarding my information along with links of resources that do not help my case. They have taken no action to help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: 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 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 2025-06-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
Bank : ALLY On Wednesday ( XXXX XXXX ) I called to ask questions about my transaction limit and they proceeded to ask me security questions and told me I need to speak to an account specialist. The next day ( XX/XX/year> ) i tried to login through the mobile app with auto password ( that I always use and its always correct ) the app immediately said my password is wrong and locked me out from getting access to it. I got an email saying my access has been blocked I called later that day and asked for help with my login and they said they told me to wait for an account specialist. Today ( XX/XX/year> ) I called customer service to ask why I cant get money out the atm and the robo caller is telling me that an account specialist is suppose to call but its been two days and I cant even call customer service to tell them they havent called me back.

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 2025-06-13 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: VA

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 2025-06-13 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: MI

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. 

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 15 U.S.C 1681 section 602 A. 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2025-06-13 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: NJ

Complaint narrative:
Under FCRA 15 USC s1681c-2 ( section 605B ), fraudulent items must be blocked within 4 business days upon receiving an identity theft report. 15 USC s1681s-2 requires furnishers to ensure accuracy and stop reporting disputed accounts unless verified. 15 USC s1681e ( b ) mandates that agencies ensure maximum accuracy. Under 15 USC s1692c ( a ) ( 2 ), collection activities must cease regarding debts from identity theft. Finally, under 15 USC s1681 ( a ) ( 2 ), I never gave authorization for these accounts to be reported. 

ACCOUNTS : 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 non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
ANY CHARGE OFF ON MY CREDIT WRITTEN OFF ON MY METRO 2 REPORT SHOULD NOT BE ON MY REPORT IF I DIDNT GET ANY PAPERWORK FROM THE IRS . ALSO ANY COMPANY THATS NOT ALLOWED TO COLLECT IN MISSOURI SHOULD BE TAKEN OFF MY CREDIT REPORT IMMEDIATELY. PLEASE PROVIDE PAPERWORK THAT I OWE YOU ALONG WITH A 1099 FORM OF INCOME FROM FCRA SECTION 605C AND HJR-192 AND 15 U.S. COD 1601 IF MY REQUEST CAN NOT BE MET PLEASE DELETE. 
ACCOUNT IN QUESTION : XXXXXXXX XXXX XXXXXXXX, AMOUNT {$1100.00} THANK YOU 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
Consumer complaint received 2025-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Subject : Urgent Follow-Up Unauthorized Wire Transfer & Deceptive Authorization by Bank of America To the Consumer Financial Protection Bureau , I am writing to follow up on a complaint filed over two months ago regarding an unauthorized wire transfer processed by Bank of America . To date, there has been no resolution or adequate response. 

Bank of America claims I authorized this wire by entering a secure code sent to my phone. However, I was misled I believed I was submitting a request for a wire reversal, not initiating a new wire transfer or increasing my transfer limit. I was not informed that this action would result in funds being sent out of my account. 

This is a textbook case of deceptive authorization and a failure in informed consent. Additionally : At the time of the transaction, the governing Online Banking Agreement ( XX/XX/year> ) explicitly limited wire transfers to $ XXXX and $ XXXX. 
I never requested a limit increase or authorized any permanent change to my transfer capacity. 
Bank of America now cites a XX/XX/year> agreement, modified after the fraudulent transaction, which they claim allows unilateral changes without notice. This retroactive justification is unacceptable and does not absolve them of prior liability. 
These actions likely violate : The Uniform Commercial Code ( UCC ) Article 4A, which requires commercially reasonable security and valid customer authorization.

CFPBs protections against unfair, deceptive, or abusive acts or practices ( UDAAP ).

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