vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I never gave this company permission to access my credit. I didnt apply for any services, authorize any checks, or initiate any business with them. This inquiry was made without my knowledge or consent, and as such, I consider it unauthorized and potentially fraudulent.

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 2025-04-24 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I applied 3 times to get this loan discharged. Most recently the application was received on XXXX XXXX, 2025 and denied XXXX XXXX, 2025. With no information on why. The company is Navient and has since changed to XXXX. The school was the Art Institute XXXX XXXX which no longer exists. It is proven to have been a fraudulent school and the degree is worthless. Navient/XXXX has discharged various other peoples private loans from the same school. There is no reason mine should be excluded. It seems like they randomly pick who they approve and deny without reading the very long application. I spent over a week on this application. I gathered verified information why it should be discharged. This is extremely stressful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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'm filing a complaint because I've been unfairly declined for several lines of credit due to inaccuracies on my credit report. Specifically, my credit report shows a bankruptcy marked as 'dismissed ' without accurately reflecting the reasons for its dismissal. The bankruptcy was actually dismissed because of failure to pay the filing fee and to file necessary information. This inaccurate portrayal of the bankruptcy on my credit report has significantly impacted my ability to access credit. Moreover, I received a letter from the court stating that they do not verify information from credit bureaus or any other reporting agency. This means that there's no reliable way for the credit bureaus to verify the data they have furnished, and it's widely known that they purchase data, which is often inaccurate, from sources like XXXX. These actions by the credit reporting agencies ( CRAs ), XXXX  and TransUnion, violate the Fair Credit Reporting Act ( FCRA ), which mandates accurate and complete reporting of consumers ' credit histories. The inaccuracies on my credit report have led creditors to view me as a higher risk, resulting in declined credit applications. As a consumer, I have rights under the FCRA, including the right to dispute inaccurate information in my credit report and the right to receive accurate disclosures from creditors regarding adverse actions taken based on my credit report. Therefore, I'm filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to address these violations of the FCRA. In my complaint, I will detail the inaccuracies in my credit report, the adverse actions I've experienced, and the violations of the FCRA by the CRAs. I am seeking remedies such as the correction of the inaccurate information on my credit report, compensation for any damages suffered as a result of the inaccuracies, and

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 2025-04-24 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: TX

Complaint narrative:
These accounts are showing up on my credit report without my knowledge or permission, and Ive never opened or managed them. This is seriously misleading and damaging to my financial history. I take my credit seriously, and its upsetting to see this. I need to know why these accounts are there and who reported them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: IL

Complaint narrative:
b'XXXX XXXX \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX,IL XXXX\nDOB: XXXX\nXXXX\nXXXX\nEquifax  \nRE: Requesting you Block and Remove Fraud from My Consumer Report\n>I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report  which is enclosed with this correspondence. In accordance with 15 USC 1681c-2 c (a), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must\npromptly address such requests within four business days of receiving a complaint that includes the following information:  XXXX XXXX XXXX XXXXXXXX XXXX XXXX opened XXXXXXXX XXXX XXXX XXXX opened XXXX, XXXX XXXX XXXX XXXX XXXX opened XXXX,XXXX XXXX XXXX XXXX XXXX opened XXXX,XXXX XXXX XXXX XXXX opened XXXX .I want to emphasize the gravity of this matter and my expectation for a prompt and effective response. Failure to respond satisfactorily will compel me to pursue legal action against your agency, as allowed under the law. Please be advised that I will seek damages, including but not limited to, statutory costs, with each violation incurring a statutory cost of XXXX as specified in\n>15 U.S.C 1692k.\n> Defamation of Character\n>Negligent Enhancement of Identity Fraud\n>Violation of the Fair Credit Reporting Act\n>Violation under 15 U.S. Code § 1681o - Civil liability for negligent non compliance\n>Violation under 15 US Code 1681n (b) - Civil liability for willful non-compliance\n>Failing to comply with 15 USC 1692(g)\n>Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports\n>Under 15 U.S.C. 1681i (7) Method of verification\n>Violations under 15 USC 1681 a (4) right to privacy\n>Violations under 15 U.S. Code § 1681c - Requirements relating to information contained in consumer reports I am taking this matter very seriously, and I demand that you take immediate action to block and remove the fraudulent account from my credit report. I have provided all the necessary information to facilitate this process. I kindly request that you acknowledge this letter and provide a timeline for the resolution of this issue .Your prompt attention to this matter is greatly appreciated .  XXXX XXXX.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: AR

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXIL XXXXnDOB: XXXXTransunion\nRE: Requesting you Block and Remove Fraud from My Consumer Report\n>I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report  which is enclosed with this correspondence. In accordance with 15 USC 1681c-2 c (a), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must\npromptly address such requests within four business days of receiving a complaint that includes the following information:  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  .I want to emphasize the gravity of this matter and my expectation for a prompt and effective response. Failure to respond satisfactorily will compel me to pursue legal action against your agency, as allowed under the law. Please be advised that I will seek damages, including but not limited to, statutory costs, with each violation incurring a statutory cost of $XXXX  as specified in\n>15 U.S.C 1692k.\n> Defamation of Character\n>Negligent Enhancement of Identity Fraud\n>Violation of the Fair Credit Reporting Act\n>Violation under 15 U.S. Code § 1681o - Civil liability for negligent non compliance\n>Violation under 15 US Code 1681n (b) - Civil liability for willful non-compliance\n>Failing to comply with 15 USC 1692(g)\n>Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports\n>Under 15 U.S.C. 1681i (7) Method of verification\n>Violations under 15 USC 1681 a (4) right to privacy\n>Violations under 15 U.S. Code § 1681c - Requirements relating to information contained in consumer reports I am taking this matter very seriously, and I demand that you take immediate action to block and remove the fraudulent account from my credit report. I have provided all the necessary information to facilitate this process. I kindly request that you acknowledge this letter and provide a timeline for the resolution of this issue .Your prompt attention to this matter is greatly appreciated . 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 2025-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/year>, XXXXXXXX XXXX, my credit card was used to purchase an item on XXXX that did not exist and was used with XXXX XXXX XXXX with the total amounting to {$99.00}. When I looked at the original location of the seller, they were based out of XXXX and had just opened their account roughly 30 days prior to this incident with about XXXX fake five-star reviews. 
XXXX hour after at XXXX XXXX the " item '' was marked as shipped and was heading to my house with a tracking number. I then called Bank of America to cancel the card, open a fraudulent credit charge case, and request a new one which they did and I had a new card available in about XXXX business days. About a week after this incident, I got a notification that they were investigating it and I felt assured they were going to see that it was fake. On the XXXX the item was marked as " Delivered '' and I obviously didn't receive any package. 
On the XXXX I checked to see the result on the investigation as my phone gave an update about the case and it was ruled that I " made '' the purchases and the evidence they came up with was that I had purchased paint for my wife 's car XXXX weeks prior to this so there it is legitimate. I immediately called Bank of America and was sent to the fraud department, and I was continuously transferred between each representative. 
I eventually got to someone who said they have another person look at my case again but still hasn't opened the case. That night I did research on that purchase and found that the person used XXXX XXXX XXXX and had it shipped from XXXX, Texas to XXXX, Texas in XXXX hour. Then immediately go through transit into XXXX in XXXX hours. Which is impossible as XXXX XXXX XXXX says it takes XXXX business days and to go through all the processes would likely have taken it more than XXXX business days as it would have to go through other stations and other facilities. 
The XXXX I printed out all my research and faxed it over at a nearby Bank of America XXXX XXXX and was told to give them about XXXX hours to receive the papers. Which is now well over XXXX hours. I called again and have been transferred to literally XXXX different " Fraud Specialists '' that tell me to wait for another transfer and I got so frustrated that I will consider leaving Bank of America being a customer of over 10 years now.

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 monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
Rocket Mortgage reached out to me 3 weeks ago and after looking at my income and tax return they stated that I was qualified for a HELOC or Personal loan for the amount of {$50000.00} then a representative called me after to state that my application was denied based on my income. I make enough money and have enough assets to be qualified for a $ XXXX loan I feel like this is very discriminatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: MI

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent necessary documents to the creditors and received letters from all companies that it was determined that I was not responsible for these accounts and they will be deleted. I had heard this before

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Dispute of Outdated and Unfounded Claim by Portfolio Recovery Associates Dear CFPB, I am writing to file a formal complaint against Portfolio Recovery Associates regarding an old, inaccurate, and frivolous debt that has been placed on my credit report without proper notice or validation. 

I was never contacted about this alleged debt and was not given the opportunity to dispute or validate the claim, in direct violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). Furthermore, this account is too old to be legally reported and has already been removed from other major credit bureaus. 

The debt in question is for a very small amount and appears to be outdated and unsubstantiated. Portfolio Recovery Associates has continued to report this item despite its age and questionable legitimacy. 

I respectfully request the CFPB to : Investigate the practices of Portfolio Recovery Associates regarding this account. 

Require them to provide full validation or remove the item from my credit report immediately. 

Take appropriate enforcement action if they are found to be in violation of consumer protection laws. 

Thank you for your time and attention to this matter. Please let me know if additional information is needed to support my complaint. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: NEXBANK CAPITAL, INC.
State: FL

Complaint narrative:
They have misapplied almost every payment I have made. For example, I sent in a check which they received on XX/XX/year>. It was clearly marked addition principal payment. The applied to my XX/XX/XXXX regular payment. I have sent them 4 payments since I got my heloc and 3 have been misapplied. I sent them a message on XX/XX/year>XXXX  scolding them about the way that they were applying payments. I got no response back and today I get a message from the lender stating my XX/XX/XXXX payment was never made and they charged me a late fee. Not only have I made all my regular monthly payments but I have made additional principal payments of {$52000.00}. I dont understand how a mortgage lender has no idea how to apply payments. I called them today and the way the are going to fix it still leaves two of the payments misapplied. I tried to explain this to them as well as the fact when the additional principal payments were reapplied they need to be retroactive to date they received them so the interest charged to date would be correct but they would not listen

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 2025-04-24 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: NJ

Complaint narrative:
I have a hard inquiry on my account that I did not authorize nor do I have an account associated with this inquiry. 

XXXX ( Bank ) XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: CA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation