vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
I am writing to formally express my deep frustration and concern regarding the handling of my student loan account from XXXXXXXX XXXX  XXXX I attended XXXX. As a single mother of XXXX XXXX  children, I have worked tirelessly to maintain financial stability and have made significant efforts to improve my credit score. However, due to Nelnets failure to properly notify me of past-due payments or delinquencies, my credit score has plummeted by XXXX pointsan unjust and devastating blow to my financial future. 
To my knowledge, I never personally signed up for these student loans. I received financial aid during my education due to my limited income, and at no point was I made aware that these loans existed. Furthermore, I have not received any mail, phone calls, or other notifications informing me of an outstanding balance. It is completely unacceptable that the first indication of this issue was a drastic drop in my credit score, which I have worked incredibly hard to build. 
This situation has caused undue stress and potential financial hardship. I demand a full investigation into why I was not properly notified and request immediate steps be taken to rectify the damage to my credit report. Please provide documentation of any attempts to contact me regarding these loans, as well as an explanation as to why I was never informed of their existence prior to this severe credit impact. Ideally I want these strikes removed from my credit report. 
I expect a prompt response and a resolution to this matter. Please contact me at your earliest convenience to discuss how this can be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX - Date Opened XX/XX/year>

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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 2025-04-01 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: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-04-01 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: IA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: MI

Complaint narrative:
Today on XX/XX/year>, I verified on robinhood and bought {$2000.00} where of ETH with my USD debit card. moments later they restrict my account for no reason and wont tell me when they will allow me funds to be used. i want my {$2000.00} back to my card I no longer want to use this platform. The platform didnt do anything to help me at all! Theyre holding my funds and wont release them back to me!

Company : Robinhood

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Blackhawk Network Holdings Inc.
State: MI

Complaint narrative:
I purchased 3 gift cards ( 2 VIRTUAL AND 1 PHYSICAL ).

Virtual - {$240.00}, {$500.00} Physical- {$500.00} After attempting my first purchase on all three, XXXX blocked the card completely and made it unavailable for use and would not activate it under any circumstances. I had asked for replacement virtual card to be sent but they said it was not possible. I also asked if they refund me back to my original payment method and they said that also was not possible. They stated a REFUND CHECK was the only way to receive my funds back. I was told I had to 30 days for review ( I dont know why it was take that long ) + 7 days shipping. It has now been almost 4 MONTHS and I have yet to receive anything. I have been calling them DAILY and they tell me 7-10 days and the check is being processed. I have been told 7-10 days for the past 3 months. THIS IS A SCAM!! This is very surprising for a company like XXXX to conduct business like this. For my physical card it was the same situation but a replacement card was going to be mailed out which I have YET FO RECEIVE. THEY WILL BLOCK YOUR CARD AND KEEP YOUR FUNDS AND WILL NOT REIMBURSE YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-01 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: NC

Complaint narrative:
I am a victim of identity theft. XXXXXXXX XXXX XXXX XXXXs reporting a credit card that i never owned or signed my name for. I didnt give anyone authorization or permission to open this account in my name. This negative and inaccurate account needs to be removed from the XXXX credit reporting agencies 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 2025-04-01 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: NC

Complaint narrative:
I am a victim of identity theft. XXXXXXXX XXXX XXXX XXXXs reporting a credit card that i never owned or signed my name for. I didnt give anyone authorization or permission to open this account in my name. This negative and inaccurate account needs to be removed from the XXXX credit reporting agencies 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 2025-04-01 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: GA

Complaint narrative:
I am writing to formally dispute the XXXX account reporting on my credit file. This account has already been deleted by XXXX after their investigation determined it to be inaccurate and not mine. 

Under the Fair Credit Reporting Act ( FCRA ) Section 607 ( b ) [ 15 U.S. Code 1681e ( b ) ], credit reporting agencies are required to ensure maximum possible accuracy of the information they report. Since XXXX has found this account to be inaccurate and removed it, Experian and Equifax are also obligated to delete this account to maintain compliance with the FCRA.

This is not my account. I am requesting immediate removal of the XXXX account from my Experian and Equifax credit reports and written confirmation once the deletion is complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I found out recently from Wells Fargo that they were going to close my account or accounts due to overdraft protection fees, that I do not recognize. So, now Wells Fargo is charging me for these fees. And, are not willing to provide me with last total amounts of my debit funds. So, I believe I still had funds on my account that were not calculated right. Due to a miss calculation of a accountant or whoever calculated the funds that I as a customer should be correctly included in my checking accounts

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 2025-04-01 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: GA

Complaint narrative:
XXXX XXXX XXXX XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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. This fraudulent, inaccurate, and false information consists of : 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 - Incorrect Personal XXXX XXXX XXXXXXXX XXXX  XXXX - Incorrect Personal XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: OH

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
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 2025-04-01 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
Order Product from XXXX, did not recv and started dispute process only to be hold I did not provide proof and they did rcvd arbitration in time.. I had to call them after not hearing back for months. I dispute this and will not pay.. Merchandise not recvd.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-01 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-01 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: MI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-01 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: AR

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-04-01 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: OK

Complaint narrative:
I have reviewed my Consumer Reports and identified a collection account incorrectly reported. I want to clarify that I have no recollection of the Original Creditor : XXXX XXXX XXXX, which is a leasing company, that has faced lawsuits and a CFPB enforcement action for allegedly engaging in unfair practices and violating the Consumer Financial Protection Act of 2010, leading to a permanent ban on consumer leasing and a {$2.00} XXXX penalty. Account : XXXX XXXX XXXX XXXX XXXX, Account No. : XXXX. 
Consumer Reporting Agencies play a critical role in ensuring the accurate representation of consumer information, and they are obligated to do so with the highest level of accuracy. I kindly request that you investigate this matter and provide documentation, such as account statements, to substantiate the claim that this account is accurate. If such proof can not be provided, I ask that the status of these payments be corrected to reflect their accuracy as " on time. '' Additionally, this incorrect reporting violates 15 U.S. Code 1681e ( b ), as the debt is inconsistently reported across only two Consumer Reporting Agencies and the reported information is inaccurate. Please address this issue promptly

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 2025-04-01 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: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc.
State: VA

Complaint narrative:
This was end of XXXX of XXXX, XXXX. I bought a XXXX Visa gift card and had {$500.00} put on it. I had only a few problems making purchases however with logging onto the website I was able to see charges and track the issues. I logged in a last time and saw SEVERAL charges equalling {$80.00} which dropped my card balance down to a dollar or so. I tried logging in online to 'file a claim ' to no avail. I tried calling multiple times and finally talked to someone who said they would file a claim and that my card was now on hold until the dispute/claim was solved. It has been SEVERAL weeks ... no email, no letters, no calling, no nothing. XXXX continued to deny me access saying there was 'an issue with the website ' and to try again 'later '. I called today XX/XX/XXXX and talked to someone. He asked for the card, the expiration, the 3 numbers on the back .... He asked me who made the claim, I told him my name. He said no, that's not who did it. I assured him I was the one that had called. He told me that's not what he sees. It's an entirely different name. I was on hold several times and each time the person came back on the line and asked me questions he told me that's not the information he has. Someone else 's name apparently made a claim, someone else 's address they have. I had absolutely no emails which he told me I most certainly would have had after I made the original claim. I have none. No emails from the TWO different emails he asked me to check. I have over {$86.00} now taken/missing. I told the person I was filing a complaint and I was done talking to him and being accused of things I didn't do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: NC

Complaint narrative:
Experian so far refuses to remove incorrect accounts

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