vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Basically every account on my credit report is fraud except for the secured credit card I recently opened up with XXXX XXXX XXXX XXXX. Currently there are XXXX different accounts on my report. I filed a police report XX/XX/XXXX with XXXX Police Department. This has been going on for over a decade. It was brought to my attention early last year when I was trying to apply for credit cards and I kept not getting approved and when I did the research this was why. I'm going to list all the company accounts along with the amounts. Keep in mind this is from the last Credit report I had access to so some balances may be higher than others and/or more could be showing up. 
XXXX. XXXX $ XXXX Opened XX/XX/XXXX XXXX. XXXX $ XXXX Opened XX/XX/XXXX XXXX $ XXXX Opened XX/XX/XXXX XXXX XXXX XXXX $ XXXX Opened XX/XX/XXXX XXXX. XXXX $ XXXX Opened XX/XX/XXXX XXXX. XXXX XXXX $ XXXX Opened XX/XX/XXXX XXXX. XXXX $ XXXX Opened XX/XX/XXXX XXXX. XXXX XXXX $ XXXX Opened XX/XX/XXXX XXXX XXXX $ XXXX Opened XX/XX/XXXX XXXX XXXX $ XXXX Opened XX/XX/XXXX XXXX. XXXX $ XXXX Opened XX/XX/XXXX XXXX $ XXXX Opened XX/XX/XXXX XXXX. XXXX  $ XXXX Opened XX/XX/XXXX XXXX. XXXX XXXX  XXXX $ XXXX Opened XX/XX/XXXX XXXX. XXXX XXXX $ XXXX Opened XX/XX/XXXX XXXX. XXXX XXXX $ XXXX Opened XX/XX/XXXX XXXX. XXXX $ XXXX Opened XX/XX/XXXX XXXX. XXXX $ XXXX/XXXX Opened XX/XX/XXXX XXXX. XXXX $ XXXX Opened XX/XX/XXXX XXXX. XXXX $ XXXX Opened XX/XX/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 2025-04-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: FL

Complaint narrative:
My personal and financial information was compromised without my authorization. 
The family educational rights and privacy act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: TX

Complaint narrative:
Dear CFPB team, I am writing to follow up on my complaint about XXXX XXXX ( loan account ending in XXXX ) and the incorrect XXXX late payment reported in XX/XX/year>. XXXX previously assured me that this late payment would be removed due to my approved economic hardship deferment, but I have confirmed it is still listed on my credit report. Under the Fair Credit Reporting Act, XXXX is required to investigate and correct any inaccurate reporting. Despite my agreement and documentation, the error persists. I have also filed disputes with Experian, Equifax, and TransUnion, and sent evidence of my deferment, but no correction has been made. 

I respectfully request that CFPB ensure XXXX updates the credit bureaus to remove this erroneous delinquency immediately. If XXXX can not verify the accuracy of this late payment, the law requires it to be deleted. Please escalate this matter as needed ; for example, I am prepared to bring this issue to the Department of Educations FSA Ombudsman if it remains unresolved. Thank you for your assistance in enforcing my rights under federal credit reporting law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: TX

Complaint narrative:
Dear CFPB team, I am writing to follow up on my complaint about XXXX XXXX ( loan account ending in XXXX ) and the incorrect XXXX late payment reported in XX/XX/year>. XXXX previously assured me that this late payment would be removed due to my approved economic hardship deferment, but I have confirmed it is still listed on my credit report. Under the Fair Credit Reporting Act, XXXX is required to investigate and correct any inaccurate reporting. Despite my agreement and documentation, the error persists. I have also filed disputes with Experian, Equifax, and TransUnion, and sent evidence of my deferment, but no correction has been made. 

I respectfully request that CFPB ensure XXXX updates the credit bureaus to remove this erroneous delinquency immediately. If XXXX can not verify the accuracy of this late payment, the law requires it to be deleted. Please escalate this matter as needed ; for example, I am prepared to bring this issue to the Department of Educations FSA Ombudsman if it remains unresolved. Thank you for your assistance in enforcing my rights under federal credit reporting law.

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 2025-04-30 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: NJ

Complaint narrative:
I see an account from XXXX on my credit I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.

Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. You lied to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Someone clearly used my information without my authorization. 
I have provided more than sufficient evidence to get these false accounts removed

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 2025-04-30 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: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are 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 Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. 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. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 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 und 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 ( or inquiries ) listed 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 2025-04-30 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: NC

Complaint narrative:
Recently I 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 maximum possible accuracy. Here is the item I am asking you to verify as accurate : XXXX - Account number:XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: NC

Complaint narrative:
Recently I 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 maximum possible accuracy. Here is the item I am asking you to verify as accurate : XXXX - Account number: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 2025-04-30 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: FL

Complaint narrative:
I am writing to formally request the removal of certain credit inquiries from my credit report. Upon reviewing my credit report, I noticed the following inquiry/inquiries that I believe to be unauthorized or inaccurate : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These inquiries were not authorized by me, nor do I have any current or past relationship with the companies listed. Pursuant to the Fair Credit Reporting Act ( FCRA ), I am requesting that these inquiries be investigated and subsequently removed from my credit file. 
I am writing to dispute a fraudulent charge on my account. I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ). 
Please find attached a copy of my credit report with the inquiries highlighted, as well as a copy of my identification for verification purposes. 
I would appreciate your prompt attention to this matter and request confirmation once the inquiries have been removed. Should you need further information or documentation, feel free to contact me directly at XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally request the removal of certain credit inquiries from my credit report. Upon reviewing my credit report, I noticed the following inquiry/inquiries that I believe to be unauthorized or inaccurate : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These inquiries were not authorized by me, nor do I have any current or past relationship with the companies listed. Pursuant to the Fair Credit Reporting Act ( FCRA ), I am requesting that these inquiries be investigated and subsequently removed from my credit file. 
I am writing to dispute a fraudulent charge on my account. I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ). 
Please find attached a copy of my credit report with the inquiries highlighted, as well as a copy of my identification for verification purposes. 
I would appreciate your prompt attention to this matter and request confirmation once the inquiries have been removed. Should you need further information or documentation, feel free to contact me directly at XXXX or 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 2025-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I did the pre approval for capital one, and was told multiple times that I am not eligible due to activity that arent in their terms. I am confused because the last time I had a card with them, this company somehow reported me deceased and it was a mess to fix which completely wrecked my credit report on account of their error. Now I have things situated and my credit report is fixed, now this company is saying I am not eligible due to activity but wont provide or give details as to what the activity they are referring to because when I had their cards I was always told that I was an outstanding customer but now I am confused because what is this so called activity and my cards were closed due to their error of accidentally reporting me deceased which affected me mentally and financially as my credit report and score took a turn for the worst.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: MA

Complaint narrative:
I am writing to formally dispute my XXXX XXXX XXXX and request a full discharge due to a serious breach of my personal and financial information. My information was compromised without my authorization, which violates multiple federal laws designed to protect student records and personal privacy. Under these circumstances, I request the immediate cancellation and discharge of my student loan debt in full, as my rights have been severely violated. Below are the key reasons for my request ; Violation of the Family Educational Rights and Privacy Act ( FERPA ) ; My student records were disclosed without my consent, violating FERPA 's strict confidentiality protections.

Breach of the Privacy Act of 1974 ; My personal and financial information was improperly accessed and shared without my authorization'ating my privacy riahts under federai law. Violation of the Higher Education Act ; As a student loan borrower, my information should have been protected, but the mishandling of my data demonstrates a failure to uphold these legal protections.

Breach of Contract and Negligence ; The entity responsible for safeguarding my data failed to do so, putting my financial security at risk. And unauthorized disclosure to third parties

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: TN

Complaint narrative:
I am writing to formally dispute the accuracy of certain items on my credit report. I have filed disputes with all three major credit bureaus and am disappointed by the limitations of your dispute process, which restricts me to predetermined bullet points and fails to allow the inclusion of necessary documentation to prove ownership of the accounts in question. 

Furthermore, I was not notified by the following collection agenciesXXXX XXXX XXXX, IC Systems, and XXXX XXXX XXXX XXXX required by law. Specifically, these agencies failed to provide written notification of the debt and did not allow the legally mandated 30-day period for me to respond and dispute the claims. This violates the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, which requires debt collectors to send a validation notice within five days of their initial communication, including information about the debt and the consumer 's right to dispute it. 

Additionally, I request that the credit reporting agencies comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, which mandates a reasonable reinvestigation of disputed information. The law requires credit bureaus to conduct a thorough review and ensure the accuracy of the information reported. Failure to follow these protocols undermines the integrity of the dispute process and violates consumer rights. 

I respectfully request that the disputed items be removed from my credit report immediately. I also urge the credit reporting agencies to exercise due diligence in handling disputes and adhere to the protocols established by law. 

Thank you for your prompt attention to this matter. I look forward to your response.

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 2025-04-30 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX, the AMEX company abruptly canceled all ten of my credit cards without providing any prior notice or explanation. I had been a loyal customer for over 12 years, regularly using these cards and accumulating reward points for future use. When I contacted the company to ask why, they merely referred me to the cardholder agreement, without giving a specific reason for the closure. 

To make matters worse, they immediately locked my online account, preventing me from accessing or transferring my reward points, which I had saved over the years. I believe the company saw the large amount of points I had accrued and decided to shut down my account to avoid honoring them. I also suspect that this may be part of a broader pattern targeting customers with XXXX last names, as I have heard similar stories from others in the community. 

This situation has caused me significant financial and emotional distress. I believe the companys actions are unfair, discriminatory, and violate principles of good faith and transparency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENOVA INTERNATIONAL, INC.
State: MI

Complaint narrative:
NETCREDIT, Acct # has not been made available. I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide certified mail with receipt displaying my signature. Please delete this account as soon as possible from my credit report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: CA

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that to disclose my personal information, you have to have my written consent, making you liable for any remedy under the 15 U.S.C. Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report, I noticed your office again violated my privacy. Under 15 USC 1681 ( a ) ( 4 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief