vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-04 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: PA

Complaint narrative:
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. # 3 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt ( Remove all Inquiries ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Client Services, Inc.
State: OR

Complaint narrative:
On XX/XX/XXXX my divorce was finalized and my ex husband was awarded a XXXX XXXX XXXX that we had financed together. In the divorce paperwork it clearly states that he is responsible for all debts related to this vehicle. He did not pay and got the car reposed. The entire time XXXX XXXX company was contacting me and since XXXX I have been telling them that I have no legal rights to the car and I cant do anything about it. I worked closely with them trying to help them get the car back even through there was a no contact order between my exhusband and myself. sometime in XXXX the car was reposed, and sold off. The creditors have began to contact me while I have been attempting to dispute this debt with the credit bureaus. I have contacted the creditors in writing explaining to them that this is not my debt and to stop contacting me. From my understanding once I wrote to them and demanded that they stopped contacting me, .m under the fair debt collection practices act ( FDCPA ) they needed to stop. I have received another letter asking me to settle the debt which violates this act. I have proven multiple times that this is not my debt and that the judge clearly outlined in my divorce paperwork that this not my debt. This has single handedly destroyed my credit. I have credit card companies taking credit limits away from me causing my current credit cards to become maxed out and making me pay these high credit card bills when that should not be the case. How can a judge say that this car is no longer mine, then the rest of the world put the bill on me. If i had the power I would of kept the car and continued to pay for it. What do I do. I have continued to keep a clear timeline of documented events regarding this situation and I will continue to fight it but this is making my life very difficult, I cant move forward and purchase the house I want to or even refinance the house that I am in.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: CA

Complaint narrative:
My student loan was transferred to MOHELA. 
Last month my account was charged interest even though it states Im on forbearance and the loan itself states % 0 interest but despite that I was charged interest. My balance principal balance was {$52000.00} and now interest was added which is {$6700.00}.

So total balance on my account is {$59000.00}.

I spoke with a representative when I called MOHELA on XX/XX/year> at XXXX AM and was on hold for 4 hours. They told me that theres nothing they can do at this time because the courts are still figuring things out. I have money that I want to pay off of the loans but itll end up paying the interest when supposedly Im not supposed to have any interest. The representative that I spoke to said to wait it out and that my account will most likely increase in balance due to interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
( See attached ) XXXX XXXX agreed that they would cease all collection attempts yet they still appear on our credit files we filed a 1099c to report this taxable event to the IRS. Furthermore we did not agree to the stipulations of dissemination and public slander of our good name and consumer credit files in pursuant to 15 usc 6802 a financial institution can not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information we have a right to financial banking privacy and do hereby demand that XXXX  XXXX transunion  and XXXX  acknowledge this right and operate accordingly with the law. Cease all use of our material All Liberties Retained 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 2025-05-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Ive recently checked my credit report and noticed some inaccurate accounts reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to file a formal dispute concerning a closed account being reported by XXXX XXXX, which I believe is either inaccurate, no longer verifiable, or unfairly impacting my credit profile. The details are as follows : Creditor XXXX XXXX XXXX XXXX Account Number ( Partial ) : XXXX Status : Closed I am requesting that this account be removed from my credit report, as its continued reporting is not reflective of my current financial standing. I have attempted to resolve this matter through direct communication with the credit bureaus and XXXX XXXX but have not received a resolution. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that the CFPB initiate an investigation into this matter and provide a resolution within 30 days of receiving this complaint. If the information can not be verified or is outdated, I respectfully request that it be deleted from all credit reporting agencies. 

Thank you for your time and prompt attention to this matter. I look forward to receiving written confirmation of your findings and any actions taken. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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: NJ

Complaint narrative:
I am writing to file a formal dispute concerning a closed account being reported by XXXX XXXX, which I believe is either inaccurate, no longer verifiable, or unfairly impacting my credit profile. The details are as follows : Creditor XXXX XXXX XXXX XXXX Account Number ( Partial ) : XXXX Status : Closed I am requesting that this account be removed from my credit report, as its continued reporting is not reflective of my current financial standing. I have attempted to resolve this matter through direct communication with the credit bureaus and XXXX XXXX but have not received a resolution. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that the CFPB initiate an investigation into this matter and provide a resolution within 30 days of receiving this complaint. If the information can not be verified or is outdated, I respectfully request that it be deleted from all credit reporting agencies. 

Thank you for your time and prompt attention to this matter. I look forward to receiving written confirmation of your findings and any actions taken. 

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 non-monetary relief
Consumer complaint received 2025-05-04 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: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Received credit card in mail that was not applied for on XX/XX/XXXX. Went to the bank the same day and the employees worked with me. There were already charges on the credit card. The employees said they called fraud department. There was also a money market account set up in my name. The credit card is still trying to collect for the charges I didn't make. Was told the money market account had checks sent to an address in XXXX. I live in Michigan and do not know any one in XXXX. I have been told that there is stop payment the checks by the bank employees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I disagree with the accounts listed below, which still appear on my credit report, even after your investigation. I want these accounts immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
1. Repeatedly reporting XXXX  every month to re-age these accounts is illegal.

2. Not indicating when/if these accounts have been sold is a misrepresentation of the account 's status.

3. The date of the first delinquency is being illegally changed.

4. Reporting inconsistent balances across bureaus 5. Not reflecting a {$0.00} after transferred/sold/paid/XXXX  is double jeopardy Moreover , these accounts were charged off in XX/XX/year>. Since then, these accounts have repeatedly been updated as charged off every month. This is an update to the payment history. A charged-off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate these accounts properly, and your neglect has violated my rights. I am demanding a deletion of the following accounts : Furthermore, in accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of the individuals with whom you verified the below, so that I may follow up. 
Please forward me an updated credit report after you have completed your investigation and corrections. 
Your cooperation and prompt attention are greatly appreciated. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-05-04 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: IN

Complaint narrative:
This account was transferred to Nelnet ( NNI ) from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; who had engaged in acts of deception and made numerous errors on the account, as well as having broken numerous consumer protection laws, including the FDCPA, FCRA, TCPA, Indiana Senior Consumer Protection Act, Indiana Deceptive Consumers Sales Act. This occurred in XXXX and XXXX. We then sent letters to Nelnet by Certified Mail ( CM ) several times in XXXX and XXXX, detailing the serious misconduct by XXXX. 

Despite signing for the CM and acknowledging receipt of the written complaint and violations of law, XXXX never responded to the CM, nor provided any answers to the questions raised in the CM. XXXX never corrected any of the errors- some of which may have been not just errors but deliberate acts of covering-up acts of deception. XXXX then began a series of doing many of the same violations of law. 

XXXX seems to have a Compliance Problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Subject : Dispute of Fraudulent Credit Account under FCRA Section 605 - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am formally disputing a fraudulent credit account opened under the name [ Fraudulent Name ], which is not my name, [ Your Name ], in accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 605. This fraudulent account is negatively impacting my credit score. I have never applied for or received a credit card from your institution, and I have never used the card in question. Therefore, I refuse to pay any charges associated with it. 

This constitutes a violation of the FCRA as the information reported is inaccurate and incomplete, and was not obtained pursuant to my authorization under Section 605 ( b ). I request a complete investigation into the opening of this account, including the verification of the identity of the applicant and the complete audit trail of the account 's origination.

This investigation should encompass, but is not limited to : * A copy of the application for the account in question.

* Verification of the applicant 's identity, using methods that verify the individual applied for the account. This should include photographic or biometric evidence. * The complete transaction history behind the account 's opening. I demand the immediate re
moval of this fraudulent account from my credit report and a written confirmation of its closure. Failure to comply with my request and correct the inaccurate information under FCRA Section 605 will result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal recourse

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 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To Whom It May Concern, I am reporting that my personal and financial accounts were compromised through unauthorized access. As a result, fraudulent activity has occurred, which is now negatively impacting my credit profile.

Under 15 U.S. Code 1681 of the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 45, which prohibits unfair or deceptive acts and practices, I am exercising my legal right to dispute inaccurate and fraudulent information on my credit report. I am requesting an immediate investigation into this matter. 

I am demanding the removal of all unauthorized inquiries, fraudulent accounts, and any resulting negative reporting associated with the identity theft I have experienced. 

In compliance with FTC identity theft procedures, I am submitting a formal identity theft report through IdentityTheft.gov, and I am in the process of filing a local police report to further support my claim. 

The following accounts are among those reporting fraudulent activity and missed payments that I did not authorize or initiate : XXXX XXXX XXXX XXXX 4 and 5 missed payments XXXX XXXX  6 missed payments XXXX XXXX 5 missed payments XXXX XXXX XXXX XXXX XXXX 5 missed payments XXXX XXXX 5 missed payments XXXX XXXX 5 missed payments XXXX XXXX XXXX XXXX 5 missed payments XXXX XXXX XXXX 4 missed payments XXXX XXXX 3 missed payments This activity constitutes a clear violation of federal law. I respectfully request that all necessary actions be taken to correct and protect my credit report from further harm. 

Thank you for your time and prompt attention to this urgent matter. 

Sincerely, [ 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 2025-05-04 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: NY

Complaint narrative:
To Whom It May Concern, I am reporting that my personal and financial accounts were compromised through unauthorized access. As a result, fraudulent activity has occurred, which is now negatively impacting my credit profile.

Under 15 U.S. Code 1681 of the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 45, which prohibits unfair or deceptive acts and practices, I am exercising my legal right to dispute inaccurate and fraudulent information on my credit report. I am requesting an immediate investigation into this matter. 

I am demanding the removal of all unauthorized inquiries, fraudulent accounts, and any resulting negative reporting associated with the identity theft I have experienced. 

In compliance with FTC identity theft procedures, I am submitting a formal identity theft report through IdentityTheft.gov, and I am in the process of filing a local police report to further support my claim. 

The following accounts are among those reporting fraudulent activity and missed payments that I did not authorize or initiate : XXXX XXXX XXXX XXXX 4 and 5 missed payments XXXX XXXX  6 missed payments XXXX XXXX 5 missed payments XXXX XXXX XXXX XXXX XXXX 5 missed payments XXXX XXXX 5 missed payments XXXX XXXX 5 missed payments XXXX XXXX XXXX XXXX 5 missed payments XXXX XXXX XXXX 4 missed payments XXXX XXXX 3 missed payments This activity constitutes a clear violation of federal law. I respectfully request that all necessary actions be taken to correct and protect my credit report from further harm. 

Thank you for your time and prompt attention to this urgent matter. 

Sincerely, [ XXXX XXXX ] [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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: FL

Complaint narrative:
I

have been identified as a victim of a credit bureau 's data breach and my data and I have notified by the bureau that my credit data has been manipulated and used for illegal purposes. I have file data disputes and I have even tried to freeze my data in order to have erroneous data removed without success from the credit bureaus with out success. The companies that should be notified of the steps to help me protect my current credit profile are : - Experian - Equifax - Transunion And all other credit bureaus and repositories.

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

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : UNKNOWN # XXXX * * * - Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: NC

Complaint narrative:
Reporting inaccurate information. XXXX XXXX XXXX Lexis LexisNexis. 

I reported inaccurate information online, by mail, by calling all 4 above and I keep getting the run around.

First my name is listed incorrect.

Second they have an unknown phone number listed for my fraud alerts. 

Third I requested all old paid in full XXXX balance Closed accounts be removed/deleted. 

Fourth : There's a collection that isn't money reporting and I requested a courtesy deletion. I reached out to the collection agency and all credit bureaus. 

Last : XXXX XXXX XXXX XXXXXXXX car delealerahip and XXXX XXXX  XXXX.... I applied as a co-signer for a family member for both of these dealerships one time each and they both unauthorized ran my credit together over XXXX times for different lenders and it's reporting individually on my reports. When I called and asked each dealership they told me that in 30 days they will all combine as one and I should only see one inquiry which was a lie.

These said things above are affecting me with getting a new home and upgrading my vehicle and I was even denied a second job in the banking industry due to these.

Please help CFPB This is not my account. I have no knowledge of this account. 15 USC 1681b Requesting for prompt removal. Also, inaccurate information is being reported.

Company response to consumer: Closed with explanation