vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 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: FL

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request.

The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report.

I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them.

These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft.

To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, 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 2025-05-29 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: FL

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request.

The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report.

I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them.

These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft.

To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, 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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

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 2025-05-29 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: FL

Complaint narrative:
Hi, Im submitting this complaint becuz TransUnion is reporting a collection account from XXXX XXXX XXXX, account number XXXXXXXX XXXX XXXX XXXX XXXX for {$1100.00}, and I honestly dont reconize this debt and never agreed to it. 

I never recieved any bill, letter, or communication before it appeared on my credit report. Under the FDCPA ( 15 U.S.C. 1692g ), I have the right to ask for validation of the debt, but I havent gotten any real proof no signed contract, no billing history, no docs showing I actually owe this.

Also, under the FCRA ( 15 U.S.C. 1681i and 1681g ), I can dispute any inaccurate or incomplete info and request a reinvestigation, but so far I havent received any solid response or evidence from TransUnion or the furnisher. 

This account is harming my credit, and it doesnt seem legally confirmed or properly validated.

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 2025-05-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
I did an investigation on my credit file and found accounts by Nelnet who I have never had a loan through or loans serviced by reporting to my credit file. 
On XX/XX/year> I filed a formal dispute requesting verification of the XXXX accounts they reporting. I requested for them to send the original form of indebtedness in it's original form to me and to cease all reporting until they could verify these alleged accounts belong to me. This dispute was sent via certified mail. 
After receiving my dispute, on XX/XX/XXXX they began reporting these account payments XXXX  days late despite also reporting that the monthly payments are {$0.00}. 
This was obviously retaliation. 
I then filed a report with XXXX  on XX/XX/year> stating they were reporting information to my credit file that was incorrect, and did not belong to me. 
By this time Nelnet was reporting multiple open dates across these accounts, different " late '' payments ranging from XXXX to XXXX  days late, despite continuing to report that the monthly payments were {$0.00} ( you can't be late on a payment that is {$0.00} ), inaccurate personal information to all three credit bureaus all with inconsistent information and not aligning from bureau to bureau. Nelnet then reported a completely new account directly with Nelnet to XXXX to the tune of {$17000.00}. 
Nelnet responded to the XXXX  complaint with a copy of a letter they never in fact mailed to me and a false XXXX. The note contained no signature and did not address any of the XXXX accounts they are reporting to the credit bureaus. 
After receiving my response they then changed the status of these accounts to " deferred. '' Due to these false accounts and information they are reporting, my credit score dropped over XXXX points, severely damaging my credit file, as well as causing an application for housing for my son and I to be denied. 
They have no right to sabotage someone for completing an investigation of their own report and taking a stand for themselves. COMPLETELY UNETHICAL AND BLANTANTLY DISREGARDING THE LAW, THE FCRA, AND FERPA!!! 

Nelnet is violation of Validation Of Debts ( 15 U.S.C. 1692g ( b ), Failure To Provide Proof Of Authorization & Verification ( 15 U.S.C. 1681i ( a ), Unfair Practices ( 15 U.S.C. 1692f ), Responsibilities Of Furnishers of Information to Consumer Reporting Agencies ( 15 U.S.C. 1681s-2 ( A ) ( B ), and Improper Disclosure Of Education Record ( 20 U.S.C. 1232g ; FERPA )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: MD

Complaint narrative:
Despite repeated attempts to resolve these matters, Experian continues to allow damaging inaccuracies to persist on my credit profile. These unresolved errors are more than just frustratingthey are unjust, and they are actively interfering with my ability to move forward financially. Every time I apply for a loan, a credit card, or any financial opportunity, these incorrect entries stand as barriers that I shouldnt have to face. It is unacceptable that after multiple disputes, you still havent taken the appropriate steps to ensure your data is correct. 

Under the Fair Credit Reporting Act, you are legally required to verify every single reported item with original, legitimate documentation. If you can not confirm the accuracy of these records with credible, dated evidence, then these entries have no place on my report and must be removed immediately. I am demanding that you conduct a thorough reinvestigationnot a generic response, not a rubber-stamped review, but a meaningful audit backed by proper documentation. Continued delays and inaction will be treated as a deliberate and unlawful disregard of your obligations under federal law. Ive been more than patient, but my patience has run out.

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 2025-05-29 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: MD

Complaint narrative:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my credit score, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others may stem from clerical mistakes or internal processing delays that were never communicated to me.

The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: WA

Complaint narrative:
On XX/XX/year>, Robinhood suddenly restricted access to my account and requested identity verification. I complied fully and promptly, submitting all requested documentation, including a government-issued ID, bank statement, and live selfie photos. 

Then, on XX/XX/year>, I was notified that my account would be permanently closed, without any explanation. I immediately contacted Robinhood to request the reason for this closure and to ask whether my funds, {$60000.00}, would be returned. Their response was vague and alarming : they stated that no specific reason could be provided, and that the return of my funds would be considered only if eligible, with no further clarification. 

This situation raises serious concerns regarding fair treatment, transparency, and access to my own funds, all of which fall under the principles the Consumer Financial Protection Bureau is tasked with protecting. Robinhoods failure to explain the basis of the account closure, provide meaningful communication, or confirm the return of my deposited funds may constitute unfair or abusive practices and reflects a lack of accountability to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: FL

Complaint narrative:
This letter serves as notice that my credit report has fraudulent accounts due to a data breach. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX Account Number : XXXX * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$650.00} XXXX XXXX Account Number : THE * * * * * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX  XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$980.00} CCHOLDINGS - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} CREDIT COLL - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$570.00} XXXX XXXXXXXX  - Account Number : XXXX * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX XXXX XXXX Account Number : XXXX * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$3000.00} KIKOFF - Account Number : XXXX * XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$160.00} XXXX - Account Number XXXX XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX XXXX - Account XXXX XXXX XXXX * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$650.00} XXXX - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$750.00} XXXX - Account Number : XXXX XXXX * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} PORTFOLIO XXXX - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} Inquiries XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lockhart, Morris & Montgomery Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX Ct XXXX, CA XXXX Email : XXXX Phone : ( XXXX ) XXXX Date : XX/XX/year> XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute and Demand for Account Deletion Account Number : XXXX Original Creditor : XXXX XXXX To Whom It May Concern, I am writing to formally dispute the above-referenced collection account on my credit report. This account is inaccurate and violates federal credit reporting laws, including : 12 CFR 1006.34 ( c ) ( Regulation F ) You failed to provide proper validation of this debt, including a breakdown of the amount owed and proof of my legal obligation. 

12 CFR 1006.6 ( c ) The reporting of this account does not clearly identify it as disputed, as required. 

15 U.S.C. 1681e ( b ) ( FCRA ) The credit bureau did not follow reasonable procedures to ensure accuracy, as the account status and ownership remain unverified. 

15 U.S.C. 1681s-2 ( a ) ( FCRA ) Your agency has not corrected or deleted this inaccurate information despite my prior disputes. 

XXXX XXXX : The account is marked as " XXXX '' without proof of my liability. 

The payment history is inconsistent ( marked " C '' and " ND '' ) with no supporting documentation. 

The original creditor ( XXXX XXXX ) has not validated this debt. 

Demanded Actions : Immediately delete this account from all credit bureaus ( XXXX XXXX XXXX  ). 

Cease all collection activities and reporting until you provide : A signed contract or agreement proving my obligation. 

A detailed breakdown of the {$3800.00} balance. 

Proof of your legal right to collect in California. 

If you fail to respond within 30 days or can not validate this debt, I will escalate this matter to the CFPB, FTC, and California Attorney General for violations of the FDCPA, FCRA, and Regulation F. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Dear CFPB Representative, I am writing to formally file a complaint against American Express ( Amex ) regarding multiple unresolved issues involving my XXXX XXXX XXXX : XXXX. Incomplete Delivery Dispute XXXX XXXX XXXX I made a purchase from XXXX XXXX XXXX using my Amex XXXX XXXX XXXX, which included XXXX bottles of perfume totaling over {$300.00}. I received only XXXX bottle, and the second item, valued at approximately {$180.00}, was missing from the package. 

Despite filing multiple disputes and clearly stating that I only received part of the order, Amex continues to deny my dispute, relying solely on XXXX generic delivery confirmation, which only shows that a package was deliverednot that it contained both items. I am requesting a full and proper investigation and a refund of {$180.00} for the missing item. 

XXXX. Credit Limit Reduction Due to Identity Theft In addition, I have been a victim of identity theft, which led to fraudulent accounts appearing on my credit report and a significant drop in my credit score. As a result, American Express reduced my credit limit, despite the fact that I have never missed a payment and have maintained a strong payment history with them. 

This credit limit reduction has caused further harm by increasing my credit utilization rate and compounding the damage to my credit profilethrough no fault of my own. I have submitted disputes with the credit bureaus and notified Amex of the identity theft. I am respectfully requesting that my original credit limit be restored in light of these extenuating circumstances.

Company response to consumer: Closed with explanation