vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 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: NJ

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-08-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
My company purchased ( 5 ) {$500.00} Regions XXXXXXXX XXXX XXXX for me for making 20 years with the company in XX/XX/XXXX. I had two left that I tried to use on XX/XX/XXXX. I realized they expired XX/XX/XXXX when I tried to use the cards. I called Regions bank, they said they could not help me. I asked for a supervisor who said they would put in an escalation for it to be reviewed. I called back on XX/XX/XXXX, I was told that an escalation had not been submitted and they would again submit an escalation. I called back on XXXX and was told they could not do anything for me. I again asked to speak with a supervisor. He informed me that the findings of the escalation were both cards were expired and they could not help me. He said he could submit another escalation and I could call back in 3 - 5 days. I have been going round and round with them for a month now and have no evidence they are going to help me.

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 2025-08-04 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:
I have always taken pride in maintaining a responsible and honest financial record. Upon reviewing my credit report, I was shocked to discover an account that is completely unfamiliar to me. I can confirm that I have never opened or authorized this account.

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 2025-08-04 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: LA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX 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 2025-08-04 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 a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-08-04 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: OH

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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:
This letter serves as a formal dispute of a late payment showing on my credit report. I have verified my records and believe this reporting to be incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: MI

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-04 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: Credit Karma, LLC
State: NC

Complaint narrative:
Subject : Misleading Advertising and Unauthorized Hard Inquiry Indigo XXXX Message : I am filing this complaint because I applied for the XXXX XXXX through an offer on Credit Karma. The advertisement clearly stated high credit limit and no impact on your credit score ( soft pull ). At no point was it disclosed that a hard inquiry would be conducted upon approval, nor was I given the option to accept or decline it. 

On XXXX, I applied, was " automatically '' approved, and a hard inquiry was placed on my credit reports ( XXXX, XXXX, and XXXX  ) XXXX The credit limit provided was far below the high limit advertised. This constitutes misleading advertising and caused an unnecessary negative impact on my credit score not autorized or advertized. 

I contacted XXXX and Credit Karma regarding this matter, but the issue remains unresolved. 

CREDIT KARMA case : XXXX and XXXX on XXXX and today XXXX for follow up, they say have no time frame for the solution. 
XXXX  case : XXXX and XXXX on XXXX I request that CFPB investigate this case and require Indigo to remove the unauthorized hard inquiry from all my credit reports. 

Attached : Screenshot of the misleading advertisement " high limite not show up anymore on the app '' but it is show up the soft pull information no impact on your credit score Screenshot of the hard inquiry on my credit report Copies of my communications with Credit Karma and XXXX only have a phone communication way. 

Thank you for your assistance. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: FL

Complaint narrative:
The amount of my loan was over {$50000.00} for a XXXX  year program. I completed it and found that I was unable to get a license under that school due to the fraudulent financial papers done at that time. I was unable to do a state test and get a license from that school. Since the investigation of that the school has been shutdown. 

XXXX XXXX XXXX is a defunct institution. It was a for-profit vocational school focused on healthcare programs, founded in XXXX and located in XXXXXXXX XXXX, with campuses across the state. However, it closed down in XXXX due to mounting debts and federal scrutiny, according to the XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: VA

Complaint narrative:
Hello. There are fraudulent inquiries on my report applications made in my name that I did not make nor given/authorize consent to. I suspect that it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-08-04 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
RE # XXXX I am requesting full compliance with FCRA 605C, including the immediate block and permanent deletion of all accounts that were opened while I was under coercion and financial control.

I have provided every document required under the statute, including a subpoena, notarized affidavit, and identification. ChexSystems has no lawful basis to continue reporting these accounts.

The only lawful and fair resolution is complete removal of these accounts within 4 business days of receipt.

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 2025-08-04 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: GA

Complaint narrative:
I recently checked my credit report and noticed that there are inquiries that I don't recognize and all is currently being investigated as it did a lot of damage to me. I need these fraudulent inquiries to be removed from my credit report ASAP in order to prevent further fraudulent activity under my account. Do anything necessary to remove them from my report. It is stressing me out and I demand you to address this soon, please.

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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I noticed that my personal information is being reported inaccurately by the credit bureaus. There are multiple misspellings of my name and outdated or incorrect addresses listed on my credit report. I submitted a formal written request along with proper identification and proof of address to correct these inaccuracies under the Fair Credit Reporting Act ( FCRA ). I am requesting that only my legal name and current address remain on 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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I noticed that my personal information is being reported inaccurately by the credit bureaus. There are multiple misspellings of my name and outdated or incorrect addresses listed on my credit report. I submitted a formal written request along with proper identification and proof of address to correct these inaccuracies under the Fair Credit Reporting Act ( FCRA ). I am requesting that only my legal name and current address remain on file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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:
I recently reviewed my credit report and found an account listed that I do not recognize. I have never opened this account and do not have any relationship with the company associated with it.

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 2025-08-04 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: VA

Complaint narrative:
Since XX/XX/year>, I have attempted to get XXXX accounts, which are closed, removed from my report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, consumer information may only be furnished with a permissible purpose, typically requiring consumer authorization or an ongoing business relationship. I never provided written consent for the above-listed accounts to be furnished to any credit bureau . Their inclusion in my credit file is therefore unauthorized under federal law. I am requesting that the accounts be immediately removed per the law. This has caused me and my family great deal of turmoil and stress. Below are the referenced account ( s ) Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Status : Closed / Charged-Off Balance : {$26000.00} ( Written Off ) Creditor : XXXX XXXX XXXX XXXX Account XXXX : XXXX Status : Closed / Charged-Off Balance : {$1500.00} ( Written Off )

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 2025-08-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hard Inquiry Dispute Letter XXXXXXXX XXXX XXXX XXXX Date : XX/XX/year> To : Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Unauthorized Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Equifax, I am writing to formally dispute XXXX hard credit inquiries listed on my Equifax credit report. These inquiries were made by XXXX  XXXX XXXX and XX/XX/year>. 

I did not authorize or apply for any credit, loan, or financial product with this institution. These inquiries lack a permissible purpose under the Fair Credit Reporting Act ( FCRA 1681b ( f ) ). Their appearance on my credit report is inaccurate and violates federal law, Metro 2 Format standards, and state protections under Texas Finance Code 521.051 and Texas DTPA 17.46 ( b ) ( 24 ). 

Please conduct a reinvestigation and remove these inquiries if they can not be substantiated with proper documentation. If Equifax intends to maintain these inquiries, I request the following within 30 days under FCRA 1681i : The name and department of the individual at XXXX XXXX XXXXXXXX who initiated the inquiry. 
The exact permissible purpose claimed under FCRA. 
A copy of any application or authorization I allegedly provided. 

Please consider this letter a formal dispute and request for reinvestigation. I have included a copy of my photo ID, proof of address, and a copy of the relevant portion of my credit report with the inquiries highlighted. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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:
In XX/XX/year>2025 I disputed the accuracy/ and late payment of the following

accounts below. The accounts and accuracy came back verified by this credit reporting agency, which is inaccurate. I FORMALLY REQUEST A DETAILED DESCRIPTION of the METHOD of VERIFICATION used during your investigation, including : The name, address, and contact information of the furnisher of the information ; The method used to verify the accuracy of the data ; A description of any documents or communication reviewed during the investigation. I respectfully request that you conduct a full reinvestigation of this items. Delete or correct the inaccurate information that can not be verified. Provide written confirmation of the outcome, including the updated report. Please explain how the data was verified and from whom for the following accounts : DEPARTMENT OF ED - LOAN {$2200.00} DEPARTMENT OF ED - LOAN {$1800.00} DEPARTMENT OF ED - LOAN {$4000.00} DEPARTMENT OF ED - LOAN {$1100.00} DEPARTMENT OF EDUCATION - LOAN {$2000.00} DEPARTMENT OF EDUCATION - LOAN {$5000.00} 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) states that, If a consumer requests it, the credit bureau must provide, a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information. '' Furthermore, pursuant to 15 U.S.C. 1681i ( a ) ( 5 ), if your reinvestigation does not verify the accuracy of the disputed information, you are required to promptly delete or permanently block the inaccurate or unverifiable information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
I am submitting this complaint as a victim of identity theft, and I am requesting an urgent investigation into multiple fraudulent and inaccurate accounts appearing on my credit reports across XXXX XXXX XXXX Specifically, there are 5 collection accounts and a fraudulent finance account that I didn't authorize, open, or benefit from in any capacity. These accounts were opened without my knowledge or consent ad are the direct result of identity theft. I have never entered into any agreements with the listed creditors or collection agencies. I have filed an FTC identity report, as well as a police report, and have taken all appropriate steps to notify the credit bureaus and creditors of this identity theft. Despite my efforts these accounts continue to report inaccurately, which is causing significant harm to my credit profile and financial opportunities. I am requesting permanent deletion of all fraudulent and unverifiable accounts from all three credit bureaus and an immediate update of my credit file to reflect accurate, verified information only. This situation violates my rights under the FCRA including sections 609 & 611. If the entities involved can not provide written proof with my signature and full verification of the alleged debts, they are required by law to cease reporting and delete these accounts. I request the CFPB to assist in ensuring these accounts are removed from my credit profile across all major bureaus and that the responsible furnishers are held accountable for their failure to accurately verify and investigate. Pease confirm when these accounts have been removed, and my credit profile updated

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