vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-15 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 am filing this FTC Identity Theft Affidavit to report XXXX fraudulent accounts appearing on my consumer FICO TransUnion Experian and Equifax credit reports which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a student loan opened at XXXX on XXXX under account number XXXX a student loan opened at XXXX on XXXX under account number XXXX a student loan opened at XXXX on XXXX under account number XXXX and a student loan opened at XXXX on XXXX under account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit reports. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX XXXX XXXX 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. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-08-15 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: Nelnet, Inc.
State: OH

Complaint narrative:
Formal Complaint Regarding Unauthorized and Inaccurate Reporting by NelNet Data Breach, FERPA Violation, and FCRA Non-Compliance I am filing this complaint against NelNet for knowingly reporting unauthorized and inaccurate student loan accounts with late payments to my credit report in violation of multiple federal laws and regulations. The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX These accounts should not be on my credit report for the following reasons : Data Breach & Unauthorized Access My personal information was accessed without my consent due to the XXXX data breach. This breach constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and Federal Education Rights and Privacy Act ( FERPA ). NelNet has no lawful basis to continue reporting these accounts after my private data was compromised.

FCRA 605B Violation Under 15 USC 1681c-2, I have the right to block information resulting from identity theft or unauthorized accounts. These accounts are unauthorized and therefore must be removed immediately.

Debt Validation Failure Under the Fair Debt Collection Practices Act, NelNet must provide complete debt validation before reporting or continuing to report any debt. I have requested validation and have not received lawful proof of ownership, signed contracts, or legitimate account documentation.

FERPA Breach XXXX  unauthorized access to my educational loan records constitutes a direct FERPA violation. NelNet failed to safeguard my educational records, and by law, can not continue reporting them to consumer reporting agencies.

No Consent to Report Federal law requires that a furnisher of information have my authorization to report accounts to consumer reporting agencies. I have not given NelNet such permission. 
Due to these violations, I am demanding the immediate and permanent deletion of these accounts from all credit bureaus. The continued reporting of this information is willful noncompliance with federal law and causes ongoing damage to my creditworthiness and financial stability. 
I am requesting that the CFPB take immediate enforcement action to hold NelNet accountable for these violations and ensure these accounts are

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: AZ

Complaint narrative:
I am contacting you directly to dispute the accuracy of the information you are furnishing to XXXX XXXX, and XXXX  regarding the above-referenced account. This dispute is made under my rights pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) & ( b ) ), the Fair Debt Collection Practices Act, and any applicable state laws.

Upon review of my credit files, I have found multiple factual errors and violations in your reporting, including but not limited to : XXXX. Contradictory Account Statuses Your account is reported as Closed with XXXX  and XXXX  as of XX/XX/2025, yet XXXX  lists it as Open as of XX/XX/2025. This is materially misleading and violates FCRAs accuracy requirement. 
XXXX. Delinquencies Reported After Closure Date You have reported XXXX XXXX XXXX, and XXXX-day late payments after the closure date of XX/XX/2025, which is chronologically impossible. 
XXXX. Inconsistent Balance & Past Due Reporting XXXX XXXX  and XXXX  all show different balances and past due amounts for the same months, with no verifiable payment history supporting these figures. 
XXXX. Improper Date of First Delinquency ( DOFD ) The DOFD is either missing or inconsistent across the three bureaus, in violation of FCRA 623 ( a ) ( 5 ). XXXX. Duplicate & Misleading Creditor Names The account is reported under multiple variations of your name ( Lead Bank, Self Financial/Lead Bank XXXX and Self Financial Inc/Lead Bank ), which creates the appearance of multiple derogatory accounts for the same obligation. 

Because of these factual errors, the information you are furnishing is inaccurate, incomplete, and misleading, which is prohibited under FCRA 623 ( a ) ( 1 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
Being billed for an auto loan on a defective vehicle returned within 30 minutes of purchase. 

On XX/XX/XXXXXXXX I purchased a XXXX XXXX XXXX XXXX through TD Auto Finance. Within 30 minutes, the vehicle had a dangerous acceleration defect, forcing me ( with my son ) to pull over. We immediately returned the vehicle to the dealership that same day, surrendered both keys to a dealership employee, and verbally stated we no longer wanted the vehicle. The dealer provided a loaner, which we returned on XX/XX/XXXX, again stating we would not accept the XXXX. 

Despite no longer having the vehicle or keys, the dealership has not confirmed sale cancellation, and TD Auto Finance is still billing us for the loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
While in financial hardship, I was explicitly told by an Apple Card representative that no interest would accrue after account closure. At the time of this error, Goldman Sachs was aware of my financial hardship. The continuation of collection efforts on this inflated balance has caused substantial harm. Goldman Sachs has since acknowledges two communication errors, and credited a one time interest charge of about {$87.00}. This did not solve any of my actual issues that I have communicated to the bank. The bank has continued to pursue the full balance, adding to my financial distress. In their most recent response, Goldman Sachs failed to address my claim of financial injury, despite their own records confirming my hardship status at the time of the error. 

This matter was previously reviewed by the Office of the Comptroller of the Currency ( see attached ), which determined it falls under the jurisdiction of the Consumer Financial Protection Bureau. I am therefore seeking CFPBs intervention to ensure Goldman Sachs corrects this error and provides appropriate relief. This dispute falls under the jurisdiction of the CFPB, which enforces consumer protection laws including, but not limited to : Fair Credit Billing Act ( 15 U.S.C. 1666 et seq. ) Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) Truth in Lending Act ( 15 U.S.C. 1601 et seq. ) Consumer Financial Protection Act ( 12 U.S.C. 5481 et seq. )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL

Complaint narrative:
The items that they are reporting are in active or were never authorized by me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: TX

Complaint narrative:
I opened a Cash App account in XXXX of this year. Since I was new to the platform, my wife sent me {$1.00} to verify if I had my account set up correctly. Another associated sent me {$1.00} to verify that it was my account before attempting to send me {$50.00}. Cash App blocked the {$50.00} payment and immediately closed my account. I have tried for several weeks to get them to explain exactly what I did wrong or what rules I violated. I also made a complaint with the XXXX XXXX XXXX. However, those efforts were not successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: WA

Complaint narrative:
I have found three fraudulent accounts on my credit report, XXXXXXXX XXXX XXXX open on XXXXXXXX XXXX XXXX XXXX XXXXXXXX opened on XXXX, and XXXX XXXX XXXX XXXX opened on XXXX and fraudulent hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX, EQUIFAX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove these from my credit report.

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 2025-08-15 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 am submitting this complaint personally and in my own words. I have not authorized any company to submit this on my behalf beyond helping me type and send it. This issue directly affects me. I am submitting this formal complaint against Experian for multiple violations of the Fair Credit Reporting Act ( FCRA ) in connection with fraudulent accounts that remain on my credit report despite my repeated disputes and submission of legally sufficient documentation. The account in questionXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX were opened fraudulently and are the result of identity theft. I provided Experian with a government-issued ID, proof of address, an FTC Identity Theft Report, and a signed statement under penalty of perjury, all of which satisfy the requirements under FCRA 605B . Despite this, Experian failed to block the fraudulent information within four business days, as required by law. Furthermore, Experian has violated FCRA 611 ( a ) by failing to conduct a proper reinvestigation of my dispute within the 30-day statutory window. I also requested full disclosure of all information used to verify the disputed accounts, as permitted under FCRA 609 ( a ) ( 1 ) ( A ), but Experian has not provided this information. These failures constitute both negligent and willful noncompliance with the FCRA, entitling me to damages under 616 and 617.

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 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-15 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: TX

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-08-15 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: TX

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-08-15 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: GA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-08-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
This debt account doesnt belong to me, I requested documentation at my address over 90 days ago and they still havent responded or sent me anything

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: DE

Complaint narrative:
I see a agency on my credit report I never authorized to run my credit its been on my credit report for 5 years and it's an inquiry. I never gave them permission to run my credit this is illegal.

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 2025-08-15 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 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 am a victim of XXXX XXXX of Debt XXXX and would like for all listed items to be remove and deleted company information from TransUnion. 

Please delete the following items CXXXX XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BALANCED {$2800.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation