vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: IN

Complaint narrative:
I am filing this complaint because my credit report contains inaccurate and/or unverifiable information that violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ). This law requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports.

Despite my efforts to dispute and correct this information, it remains unresolved or improperly verified. The continued reporting of this inaccurate data is causing harm to my creditworthiness and financial stability.

I request that the Consumer Financial Protection Bureau investigate this matter and require the credit reporting agency to conduct a lawful reinvestigation, correct or delete any unverifiable information, and ensure full compliance with federal law. I am also requesting documentation of the procedures used to verify the disputed 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 explanation
Consumer complaint received 2025-06-10 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: NV

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PNC Bank N.A.
State: TX

Complaint narrative:
We also obtained your credit score from XXXX  and used it in making our credit decision. Your credit score is a number that reflects the information in your credit report. Your credit score can change, depending on how the information in your credit report changes. 
Your credit score : XXXX Date of report : XX/XX/year> Scores range from a low of XXXX to a high of XXXX Key factors that adversely affected your credit score : Length of time accounts have been established Proportion of loan balances to loan amount is too high Lack of recent bank/national revolving information Too many consumer finance company accounts Too many inquiries last 12 months

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion 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. The following items do not belong to me and is a result of fraud that I did not authorize : 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 Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>, Balance : {$340.00}

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 2025-06-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Email : XXXX XX/XX/XXXX To My Local Representative and the Honorable California Attorney General XXXX XXXX, I am writing to urgently request your help regarding a serious and ongoing issue with my XXXX XXXX XXXX which have left me financially devastated and misled by XXXX University. I am a resident of XXXX, California, and a borrower who submitted a XXXX XXXX to Repayment claim ( Case # XXXX ) to the XXXX Department of Education in XX/XX/XXXX. 

XXXX University made multiple misrepresentations that influenced my decision to enroll in their XXXX XXXX in XXXX XXXX. I was led to believe that : - The program was recognized and licensed in the State of California - My graduate credits from California XXXX University would transfer - I would receive support with internships and job placement - The total program cost would be approximately {$18000.00} and could be completed in three years None of these assurances turned out to be true. As a result, I took out substantial federal student loans for a program that was not recognized in my home state, was far more expensive than initially presented, and provided no viable path to employment. Despite filing a formal Borrower Defense claim nearly 18 months ago, my case remains unresolved. Meanwhile, my credit score has plummeted, my ability to access housing and transportation has been compromised, and interest continues to accrue.

I am pleading for your intervention. I respectfully request your office to : - Contact the XXXX Department of Education on my behalf to expedite my Borrower Defense claim - Investigate XXXX University for its pattern of deceptive practices against California residents - Offer support in having these fraudulent loans fully discharged and the associated credit damage reversed Predatory institutions must be held accountable, and students like myself deserve a fair resolution. Please help bring attention and action to this matter that continues to harm my future.

Thank you for your time and your public service. I am happy to provide any supporting documentation upon request. 

Sincerely, XXXX XXXX XXXX XXXX : XX/XX/XXXX SSN ( last 4 digits ) : XXXX Borrower Defense Case Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: MD

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-06-10 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: MD

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: NC

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: MO

Complaint narrative:
Fraudulent and unauthorized use of my banking account information. An unknown party accessed their financial information without consent, leading to unauthorized transactions. Bank was aware of situation. The situation was never resolved. I am victim of XXXX XXXX debt bondage was falsely accused of fraudulent activity despite being the one affected by unauthorized banking transactions. Although they reported the issue, the bank took no corrective action to address the fraud. Instead, they were held me responsible for the unauthorized usage, leading to financial and reputation consequences beyond my control. As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX  debt bondage, which falls undeXXXX XXXX according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.0142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business day, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be locked and deleted company information Chex Systems. Please delete the following account : 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 2025-06-10 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: MI

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/year>, an order receipt from XXXX was sent to my Gmail confirming the Buy Order suggested by XXXX XXXX on XXXX  through XXXX  using XXXX. The Document records the time and date of the transaction, order number, delivery wallet address, account ID, and payment method of {$200.00}. Before, having been sent this XXXX  verification by XXXX, I had sent a CFPB complaint dated XX/XX/year>, of Capital One Bank electronic check deposit of XXXX XXXX XXXX XXXX for {$18000.00}. But have left out details of XXXX on XX/XX/year>, complaint only because the XXXX  transaction had oddly taken place after having received the XXXX XXXX XXXX XXXX XXXX. But I am submitting it in this complaint with regards to it being proof of payment by my Capital One Bank debit checking card to XXXX of the {$200.00} sent. Do I have the right to complain that there is a direct investment connection between making a payment to XXXX  of {$200.00} and the XXXX XXXX XXXX XXXX XXXX sent by XXXX to my postal address? If so, what are my monetary rights in regaining money lost in these bank transactions?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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 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 explanation
Consumer complaint received 2025-06-10 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: LA

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 2025-06-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC
State: FL

Complaint narrative:
On XXXX I got my brakes replaced at XXXXXXXX XXXX XXXXXXXX in XXXX FL. I did not have XXXX $ on hand as I am a XXXX XXXX and was recommended to utilize EasyPay with a 3 month promotion of no interest payments. I was under the impression that I would have no interest until after the 3 months, like every other payment plan I have ever used. So, I signed it and made bi-weekly payments, but I unfortunately missed the deadline of XXXX. 

The outstanding balance is not available online or on any of the monthly statements. The monthly statements only provide the minimum payment amount. On XXXX I called EasyPay for my balance, aware that I had missed the XXXX deadline, expecting to have to pay interest on the 9 days that I was late from the promotional period and having the intention to pay off my final balance. They stated they were unable to provide my outstanding balance on the phone and that it would take 2-3 days for them to email me an invoice with my outstanding balance. I received the invoice on XX/XX/10, stating that I still owe {$1600.00} despite having already paid about {$1100.00} over the past 3 months, having borrowed {$1400.00}. I called them and they 'apologized ' and told me that it was 'an unfortunate situation '. I now owe over 2x the loan I had taken out and had no idea that I would be required to pay double the loan if I missed the promotional period. This company is extremely unhelpful, predatory and misguiding. They make it as difficult as possible to check how much you owe and has no information about the overall payment you would owe if you did not meet the promotional period guidelines on the portal or any monthly statement they provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc.
State: NY

Complaint narrative:
There has been an ongoing case with Nelnet, however Nelnet refuses any resolution and has not responded to the previous report on file here. Ive contacted their customer service representative and no help was offered other than documenting the conversation on the call. I ask Nelnet to review the last call I had with them and resolve the issue and offer solution as soon as possible to avoid further consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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:
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 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15. U.S.C 1681 section 602 A. States I have the right to privacy.

15. U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2025-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD AUTO FINANCE - XXXX - TD AUTO FINANCE, XXXX XXXX XXXX XXXX, MI XXXX BELOW I COPIED AND PASTED HOW IT IS REPORTING IN MY CREDIT REPORT WHICH I ALSO ATTACHED TO THIS COMPLAINT AS WELL. THIS ACCOUNT IS NOT BEINF REPORTED TO EQUIFAX OR THEY ARE NOT REPORTING IT DUE TO SOME INCONSISTENCIES AND INCORRECT INFORMATION. WHICH BY LAW IN ACCORDANCE WITH THE FCRA FCBA FCDA THEY MUST DELETE UNLESS THE CAN VALIDATE THIS AND THEY NEED TO DELETE THIS ACCOUNT IMMEDIATELY TD AUTO FINANCE TransUnion Experian Equifax Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Type : Installment Installment Account Type - Detail : Auto Loan - Bureau Code : Joint Joint Account Status : Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$37000.00} {$37000.00} No. of Months ( terms ) : XXXX XXXX XXXX XXXX : {$55000.00} {$57000.00} Credit Limit : {$0.00} {$0.00} Past Due : {$37000.00} {$37000.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Transferred to recovery. 
Unpaid balance reported as a loss by the credit grantor. 
Charged off account Transferred to recovery Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX Two-Year payment history Legend Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation