vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: NV

Complaint narrative:
I retrieved my credit report for all 3 bureaus. I realized that after I requested loan forgiveness months later on the XXXX report, about a year later, the balance reflects {$0.00} due for all of the Nelnet loans reflected on the report. I show for XXXX  and XXXX that the balance is still reflected for loans due. I have also been involved in several data breaches with these credit agencies. I want to rid myself of this and also communicate to Nelnet that the balance is due per the XXXX credit report. Please assist and help this be removed from my credit report for this reason. 

This information is inaccurate as it violates the Fair Credit Reporting Act ( FCRA ) [ 15 U.S. Code 1681 ], which mandates that consumer reporting agencies maintain accurate information. I believe this report is not reflective of my credit history due to the data not being consistent among all 3 credit agencies.

Under the FCRA, you are required to investigate my dispute and correct any errors within 30 days. I also request that you provide me with a copy of the updated credit report once these corrections have been made.

If you determine that the information is indeed inaccurate, you must notify all parties that reported this information to you, as mandated under 1681i. 

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

Sincerely, Please let me know what I need to do additional in regards to this issue. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: IL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-04-28 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: IL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
CITI BANK / BEST BUY CARD IS SHOWING UP ON MY CREDIT REPORT. 
AMOUNT : {$4500.00} DATE : XXXX XXXX ACCOUNT # 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 2025-04-28 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: IL

Complaint narrative:
I am writing to formally dispute and request the immediate removal of several unauthorized inquiries that appear on my credit report. Under the Fair Credit Reporting Act ( FCRA ) Section 604 ( a ) ( 3 ), inquiries must be authorized by the consumer or made with a permissible purpose. I have not authorized the inquiries listed below, nor was there a permissible purpose for these parties to access my credit file. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: IL

Complaint narrative:
I am writing to formally dispute and request the immediate removal of several unauthorized inquiries that appear on my credit report. Under the Fair Credit Reporting Act ( FCRA ) Section 604 ( a ) ( 3 ), inquiries must be authorized by the consumer or made with a permissible purpose. I have not authorized the inquiries listed below, nor was there a permissible purpose for these parties to access my credit file. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-04-28 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and Equifax 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 : LIST OF ITEMS TO BE REMOVED XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX BALANCED {$4300.00} XXXX XXXX XXXX XXXXXXXX BALANCED {$0.00} XXXX  XXXX BALANCED {$3500.00} XXXX XXXXXXXX BALANCED {$0.00} XXXX  - XX/XX/year>XXXX XXXX XXXX XXXX - XX/XX/year> These Items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-04-28 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: GA

Complaint narrative:
This is my Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 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 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 XXXXXX/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 2025-04-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: WA

Complaint narrative:
Im 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. If not, delete account as soon as possible from my report or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: CA

Complaint narrative:
I am filing this CFPB complaint to report identity fraud resulting from the unauthorized exposure of my personal information in the Equifax data breach. 

As a consequence of this breach, fraudulent charges were made on my XXXX XXXX account opened on XX/XX/year> with account number XXXX and a balance of {$6900.00}. 

I demand that this account be removed from my record in accordance with my rights under the FCRA and FDCPA laws

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to dispute the multiple collection and charge-off accounts reported on my TransUnion credit report. Specifically, these include XXXX - XXXX XXXX XXXX XXXX XXXX - {$1600.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$140.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$16000.00}, XXXX - XXXX XXXX XXXX XXXX XXXX - {$730.00}, XXXX XXXX - XXXX * * * * - {$3600.00}, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$610.00}. The reporting of these accounts is inaccurate and reflects a clear data breach. The balances reported do not match those reported by other credit bureaus, and in some cases, the amounts appear to have been altered, likely due to errors in your data gathering processes. This is a clear violation of 15 USC 1681i, as the data reported is inconsistent and unverifiable. The failure to provide proper verification, including original account documentation and payment history, further suggests a lack of compliance with the Fair Credit Reporting Act ( FCRA ) and 15 USC 1681e ( b ), which mandates that data furnishers must ensure accuracy in reporting. These accounts have been incorrectly marked as charge-offs and collections and need to be corrected or updated immediately to reflect accurate and verifiable 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 2025-04-28 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: 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 non-monetary relief
Consumer complaint received 2025-04-28 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: PA

Complaint narrative:
This information on my credit report has been a huge issue in my life, effecting my everyday life and my credit health. It has been hard to maintain a normal life in society not being able to do the things I need to with this incorrect information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: PA

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 non-monetary relief
Consumer complaint received 2025-04-28 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: SC

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore 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 explanation
Consumer complaint received 2025-04-28 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: FL

Complaint narrative:
I am writing to formally dispute and request the immediate removal of several unauthorized Inquiry that appear on my credit report. Under the Fair Credit Reporting Act ( FCRA ) Section 604 ( a ) ( 3 ), Inquiry must be authorized by the consumer or made with a permissible purpose. I have not authorized the Inquiry listed below, nor was there a permissible purpose for these parties to access my credit file. 
XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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:
Date : XX/XX/year> From : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Email : XXXX Subject : Final Demand for Immediate Removal of All Late Payments, Hard Inquiries, and Repossessions Pursuant to 15 U.S.C. 1681a-2 Exclusions from Consumer Reports To Whom It May Concern : This letter serves as a final legal demand for full and immediate removal of all negative information appearing on the credit file of the undersigned, XXXX XXXX XXXX XXXX including but not limited to : All reported late payments All reported hard inquiries All reported repossession entries under the authority of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681a-2.

Legal Basis for Demand : Under 15 U.S.C. 1681a-2, certain communications and reports are expressly excluded from the definition of a consumer report, and therefore may not legally appear in consumer credit files or be furnished by consumer reporting agencies, including but not limited to : Transactions and experiences between the consumer and the entity making the report ( Section 1681a-2 ( A ) ( i ) ) ; Internal communications among affiliates where disclosure and opt-out requirements are not met ( Section 1681a-2 ( A ) ( iii ) ) ; Specific credit authorizations directly by issuers ( Section 1681a-2 ( B ) ) ; Certain communications excluded under subsections ( o ) or ( x ). 


Accordingly, negative transactional data such as late payments, hard inquiries, and repossessions when improperly reported or exceeding lawful scope must be deleted immediately if they fall within these excluded categories.

Additionally, under 15 U.S.C. 1681s-2 ( a ), furnishers of information are required to report only accurate and complete information. Failure to comply constitutes willful noncompliance, making you liable for statutory and punitive damages.

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 2025-04-28 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: MI

Complaint narrative:
Date : XX/XX/year> From : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Email : XXXX Subject : Final Demand for Immediate Removal of All Late Payments, Hard Inquiries, and Repossessions Pursuant to 15 U.S.C. 1681a-2 Exclusions from Consumer Reports To Whom It May Concern : This letter serves as a final legal demand for full and immediate removal of all negative information appearing on the credit file of the undersigned, XXXX XXXX XXXX XXXX including but not limited to : All reported late payments All reported hard inquiries All reported repossession entries under the authority of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681a-2.

Legal Basis for Demand : Under 15 U.S.C. 1681a-2, certain communications and reports are expressly excluded from the definition of a consumer report, and therefore may not legally appear in consumer credit files or be furnished by consumer reporting agencies, including but not limited to : Transactions and experiences between the consumer and the entity making the report ( Section 1681a-2 ( A ) ( i ) ) ; Internal communications among affiliates where disclosure and opt-out requirements are not met ( Section 1681a-2 ( A ) ( iii ) ) ; Specific credit authorizations directly by issuers ( Section 1681a-2 ( B ) ) ; Certain communications excluded under subsections ( o ) or ( x ). 


Accordingly, negative transactional data such as late payments, hard inquiries, and repossessions when improperly reported or exceeding lawful scope must be deleted immediately if they fall within these excluded categories.

Additionally, under 15 U.S.C. 1681s-2 ( a ), furnishers of information are required to report only accurate and complete information. Failure to comply constitutes willful noncompliance, making you liable for statutory and punitive damages.

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 2025-04-28 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: CA

Complaint narrative:
I can't access the my.equifax.com website or my reports or account. 

At least XXXX phone calls during the month of XXXX and XX/XX/year> have led nowhere despite escalation to their technical services team.

Company response to consumer: Closed with explanation