vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Nelnet, Inc.
State: IL

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). 

My rights to privacy has been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: AL

Complaint narrative:
There are multiple hard inquiries on my credit report that I did not authorize. I did not apply for credit or request any services from the companies that made these inquiries. I submitted a dispute to the credit bureau about XXXX  months ago, but the inquiries remain on my report. These unauthorized inquiries are negatively impacting my credit score. I am requesting that these inquiries be investigated and removed immediately, as I did not give permission for them

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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After submitting a dispute about inaccurate information on my credit report, I was informed that the account was " verified '' by the furnisher. However, the furnisher never contacted me, provided no supporting documentation, and failed to explain how the verification was conducted. This lack of a reasonable investigation violates the Fair Credit Reporting Act ( FCRA ), particularly the standards set forth in FCRA 602 ( A ) ( which requires fairness and accuracy ) and 611 ( which requires a reasonable reinvestigation ). 
XXXXXXXX XXXX XXXXXXXX Balance : {$24000.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$1500.00}

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 non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-07-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: GOLDMAN SACHS BANK USA
State: IA

Complaint narrative:
On XX/XX/year> I made a purchase on the XXXX app for an authorized total of {$7.00}. They had promoted a XXXX XXXX special code that could be used at the time to take money off. I agreed to pay the {$7.00} for some groceries. Upon receiving the groceries, I check my card and I see a {$72.00} charge from XXXX and when I look at the receipt the promo code is gone and I had been clearly overcharged in a way that I never approved. I contacted XXXX support immediately on XX/XX/XXXX and they told me they didnt know what was happening and that theyd email me back in a few days. A few days went by and I received no email at all. So I contacted them again and asked what had happened. They admitted that they had messed up and that their system had a glitch. I had noticed a lot of posts on XXXX and XXXX were other people were dealing with this glitch from them as well. I told them all I wanted was a refund for the blatantly wrong overcharge. They said I would get an email in a few days because a supervisor had to deal with it. A few days go by again and I never got an email. I contacted them yet again and asked what was going on. They still had no answers for me on how I would get my money back. So a few weeks later they sent an email saying that they were sorry for the issue and that they issued my account a credit in the total of the overcharge. I was so upset because I didnt want any store credit, I just wanted my money back. I contacted them again and they told me that they couldnt refund saying it wasnt an option. So I disputed the charge with my credit card. I had used my Apple Card through Goldman Sachs. They had told me that they would look into the dispute and get it resolved by XX/XX/XXXX. In between that I continued to try contact XXXX to explain the issue and try to resolve it with them so that no further resolution would be needed. I had a conversation with XXXX of their agents who assured me that I would receive a refund and if I didnt that I should contact my bank. I sent this conversation to Apple/Goldman Sachs and attached it to the transaction dispute. I never received the refund. Anyways now here we are on XX/XX/XXXX and I get an email from Apple saying that the charge is going to stay on my card. I am frustrated with the handling of this whole transaction and its safe to say I just want and deserve a fair resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-31 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: FL

Complaint narrative:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate 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 explanation
Consumer complaint received 2025-07-31 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:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-31 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: LA

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) XXXX XXXX. I presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exsits. ( please remove these accounts before I seek litigation for defamation of character. ) XXXX XXXX XXXX XXXX {$4600.00}, XXXX XXXX XXXX XXXX {$620.00}, XXXX XXXX XXXX balance {$940.00}, XXXX XXXX XXXX balance {$1500.00}, resurgent XXXX XXXX  {$2500.00}, XXXX XXXX XXXX XXXX  balance {$1200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: LA

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) XXXX XXXX. I presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exsits. ( please remove these accounts before I seek litigation for defamation of character. ) XXXX XXXX XXXX XXXX {$4600.00}, XXXX XXXX XXXX XXXX {$620.00}, XXXX XXXX XXXX balance {$940.00}, XXXX XXXX XXXX balance {$1500.00}, resurgent XXXX XXXX  {$2500.00}, XXXX XXXX XXXX XXXX  balance {$1200.00}

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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MRS BPO, LLC
State: CA

Complaint narrative:
I had an account with XXXX XXXX for over fifteen years on XX/XX/XXXX. I closed the account due to their continued price-gouging. It was very difficult to get my final from the company. I filed a complaint with the XXXX XXXX XXXX Finally, I was sent a final bill on XX/XX/XXXX. On XX/XX/XXXX, I began receiving threatening texts, emails and letters from a company called MRS BPO LLC, who informed me they are a collections agency for XXXX. I am attaching my final bill which shows the balance due on XX/XX/XXXX! I would like an explanation of HOW it's possible my account is in collections before the due date on XXXX 's bill? Furthermore, it has been less than thirty days since I received a bill! Per my attorney 's instructions, I am filing a formal complaint about XXXX and their agent 's collection tactics. I intend to take any and all available action if they do not cease their collection activity at once.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After submitting a dispute about inaccurate information on my credit report, I was informed that the account was " verified '' by the furnisher. However, the furnisher never contacted me, provided no supporting documentation, and failed to explain how the verification was conducted. This lack of a reasonable investigation violates the Fair Credit Reporting Act ( FCRA ), particularly the standards set forth in FCRA 602 ( A ) ( which requires fairness and accuracy ) and 611 ( which requires a reasonable reinvestigation ). 
XXXXXXXX XXXX XXXXXXXX Balance : {$24000.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$1500.00}

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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
After submitting a dispute about inaccurate information on my credit report, I was informed that the account was " verified '' by the furnisher. However, the furnisher never contacted me, provided no supporting documentation, and failed to explain how the verification was conducted. This lack of a reasonable investigation violates the Fair Credit Reporting Act ( FCRA ), particularly the standards set forth in FCRA 602 ( A ) ( which requires fairness and accuracy ) and 611 ( which requires a reasonable reinvestigation ). 
XXXXXXXX XXXX XXXXXXXX Balance : {$24000.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$1500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: AL

Complaint narrative:
I was the victim of a phishing scam that led to an unauthorized charge on my Wells Fargo checking account totaling {$590.00}. The scam came through a fake email posing as XXXX, which led me to a fraudulent website that captured my debit card info. I immediately reported the fraud, submitted proof, filed a dispute with Wells Fargo, and even submitted an identity theft report to identitytheft.gov. 

Despite doing everything right on my end, Wells Fargo has moved slow and provided no real timeline or resolution. I requested details on how the fraud was approved, who the merchant was, and what steps would be taken to return my stolen funds. Ive been met with delays and generic responses. Thats unacceptable. 

I am attaching my ID, screenshots of the phishing activity, and a bank statement proving the loss. I expect this matter to be resolved ASAP. I did not authorize the charge, and I should not have to wait XXXX business days while the scammer runs off with my money. This was clear fraud I want my money back immediately.

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 2025-07-31 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: MD

Complaint narrative:
Despite my formal dispute and submission of supporting documentation, these accounts continue to appear on my credit report without proper verification, in clear violation of the Fair Credit Reporting Act ( FCRA ). This ongoing negligence constitutes both willful and negligent noncompliance with your legal obligations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: MD

Complaint narrative:
Despite my formal dispute and submission of supporting documentation, these accounts continue to appear on my credit report without proper verification, in clear violation of the Fair Credit Reporting Act ( FCRA ). This ongoing negligence constitutes both willful and negligent noncompliance with your legal obligations.

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 2025-07-31 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me XXXX XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: NY

Complaint narrative:
This letter serves as my final formal demand for the immediate deletion of the following unauthorized inquiries that remain on my credit report despite my repeated disputes : For Experian : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX For Equifax : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: FL

Complaint narrative:
I submitted a formal dispute to TransUnion regarding an inaccurately reported XXXX  ( Case XXXX XXXXXXXX ) that appears on my credit report. This public record is unverifiable under the Fair Credit Reporting Act ( FCRA ), and TransUnion has failed to provide sufficient evidence of any lawful, direct verification with the original source ( i.e., the XXXX XXXX XXXXXXXX ). 
Under FCRA 1681i ( a ) ( 1 ) ( A ), TransUnion is obligated to conduct a reasonable reinvestigation when an item is disputed. TransUnion continues to report this XXXX  despite my notification that the XXXXXXXX XXXX XXXXXXXX does not verify records for credit reporting agencies. The continued use of indirect sources like XXXX or XXXX fails to satisfy the legal requirement for maximum possible accuracy under FCRA 1681e ( b ).

Furthermore, TransUnion has not complied with FCRA 1681i ( a ) ( 5 ) ( A ), which requires deletion of any item that can not be verified. No certified documentation linking this XXXX  to me has been provided. I have demanded the original verification sources, including : The name and contact information of the furnisher The method of verification Any original or certified court documents used during the reinvestigation To date, I have received no such documentation. 
Legal precedent ( e.g., XXXXXXXX XXXX. TransUnion, XXXX XXXX XXXX ) confirms that CRAs must conduct more than automated reviews or rely solely on third-party data when verifying disputed public records. The continued reporting of this item without first-hand, verified evidence from the XXXXXXXX XXXX XXXX  XXXX a willful or negligent violation of FCRA requirements, entitling me to statutory relief under 1681n and 1681o. 
This is my second and final dispute. Ive included all required documentation ( photo ID, utility bill, SSN card ) and explicitly requested a manual reinvestigation. I also do not consent to the use of e-OSCAR or any automated dispute handling system. I made clear that all information and disputes were submitted by me personally and not through a credit repair organization.

TransUnions continued failure to correct or delete this inaccurate and unverifiable bankruptcy is causing me financial and reputational harm and violates multiple provisions of federal law. 
Thanks for your help.

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 2025-07-31 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: WV

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief