vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: IL

Complaint narrative:
XX/XX/XXXX I increased the amount to automatically be paid each month from {$790.00} to {$850.00}. The payment showed as paid on the student loan provider ( NelNet ) as of XX/XX/XXXX, but did not clear my XXXXXXXX XXXX account. It is the same bank account I've had associated with the auto debit for years. A few days later I received a notice the payment never went through. 
On XX/XX/XXXX I submit another payment through the NelNet site for {$1500.00} to cover the XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX payments. Again the payment showed as processed then I received a notice the payment was no processed again a few days later. 
I called NelNet and the representative said the receiving bank ( XXXX XXXX reject the payment. Again this is the same account I've used for years to make these payments. I called XXXX and they have no record of payments attempted and confirmed the account is in good status with sufficient funds. 
I asked NelNet to reprocess the payment on the phone and to back date the payment to the original date it was processed to avoid the extra interest accrued and they said they would not do it. They instructed me to delete my auto pay, do a one-time payment, then reset my auto pay, which I am in the process of completing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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:
I am writing to formally dispute certain information on my credit report under the Fair Credit Reporting Act ( FCRA ), specifically pursuant to 15 U.S.C. 1681c-2, Section 605b, concerning identity theft. I recently discovered unauthorized transactions that have adversely affected my credit profile and wish for them to be rectified immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: TX

Complaint narrative:
I am writing to formally dispute certain information on my credit report under the Fair Credit Reporting Act ( FCRA ), specifically pursuant to 15 U.S.C. 1681c-2, Section 605b, concerning identity theft. I recently discovered unauthorized transactions that have adversely affected my credit profile and wish for them to be rectified immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: MD

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
At the date of accident, we were not issued a ticket for at fault accident. We didn't know who was at fault. If we were at fault, we tried to settle for the amount of accident. Since the date of accident, USAA has not contacted us or given us a chance to discuss accident or communicate what actually happened. USAA paid for the insured drivers vehicle to get fixed but the estimate was never provided to us. There was damage that was not caused by the accident on XX/XX/year>. After no communication from USAA, we were approached by a collection agency stating that we were to pay the money that wasn't even caused by our accident {$4600.00}. XXXX XXXX XXXX have been harassing us and threating license revocation. USAA needs to be more accountable during the claims process and be held at a higher standard for committing fraudulent claims.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: VA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: RI

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 2025-04-25 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: TN

Complaint narrative:
This late payment record is inaccurate and does not represent my consistent payment behavior. I have maintained timely payments, and I request its removal to ensure my account reflects accurate 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 2025-04-25 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: VA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: NV

Complaint narrative:
Equifaxs repeated failure to properly address disputes has become a pattern, and it's one that has already drawn federal scrutiny and legal consequences. I refuse to let my credit file suffer due to continued noncompliance and careless reporting practices.

According to 15 U.S.C. 1681i, Equifax is legally required to reinvestigate all disputed items within 30 days and delete anything that can not be 100 % verified using original, reliable documentation. These reporting errors are harming my financial future, and I will escalate this matter if corrective action is not taken immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: GA

Complaint narrative:
Hello! I found two unauthorized fraudulent inquiries on my credit profile.Please help me to remove those unauthorized inquiries from my credit report. 
XXXX 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 non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint regarding Experian 's noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically 605B. This is a separate matter from any previous complaint I've filed. On XX/XX/year>, I submitted a formal identity theft dispute to Experian, which included the following required documents : FTC Identity Theft Report, Government-issued photo ID, Proof of address, a sworn and notarized Affidavit of Fact, a dispute letter formally requesting the blocking of fraudulent XXXX XXXX XXXX XXXX XXXX accounts in accordance with 15 U.S.C 1681c-2 ( FCRA 605B ). I've attached a copy of the Affidavit of Fact that was included and notarized in the original mailed dispute package. This version is unsigned but accurately reflects the sworn statement that was sent to Experian. The notarized affidavit was included in the mailed package to Experian, but I do not currently have a copy of the signed version for my records. I am willing to re-sign and notarize it upon request. Under FCRA 605B, Experian was required to block the disputed information within 4 business days of receiving complete documentation. It is now past that timeframe, and the accounts remain unblocked. This is a direct violation of my federal rights, and the continued reporting of this information is causing substantial harm to my credit standing, financial plans, and access to opportunities. I request that the Consumer Financial Protection Bureau intervene and compel Experian to comply with the FCRA 605B by immediately removing the XXXX XXXX XXXX XXXX XXXXXXXX accounts from my credit file. XXXX XXXX XXXX : XXXX. The dispute package was delivered to Experian on XX/XX/year>, according to XXXX  records. This serves as confirmation that Experian received all required documentation within the legal timeframe set forth under FCRA 605B.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: NY

Complaint narrative:
I have never used this company I disputed the fraud with my credit bureau but this company is giving me a hard time

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Synovus Bank
State: NC

Complaint narrative:
Subject : Request for Immediate Deletion of Fraudulent XXXX/Synovus Account from Credit Report CFPB Complaint Follow-Up To : Consumer Financial Protection Bureau Company : XXXX XXXX XXXXXXXX Product : Credit reporting Issue : Incorrect information on credit report Account Number : XXXX Complaint : I am writing to formally request that XXXX  immediately delete the tradeline associated with the following fraudulent account from my credit report : Account Number : XXXX Creditor : XXXX XXXX  / Synovus Bank This account was opened fraudulently without my knowledge or consent, as I am a verified victim of identity theft. I previously submitted CFPB Complaint No. XXXX, which resulted in a written response from XXXX dated XX/XX/year>, confirming the following : XXXX reviewed the FTC identity theft report provided by the consumer refuting that he applied for the loan. Per the XXXX policy, we have made the concession to not hold the consumer liable for the loan. XXXX also submitted a request to the Credit Reporting Agencies to delete the tradeline from his credit report.

( See attached letter signed by XXXX XXXX, XXXX XXXX ) Despite this clear directive from the creditor, XXXX  continues to report this account, which is causing significant and ongoing harm to my credit profile and financial wellbeing.

This failure to delete the tradeline violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block information resulting from identity theft upon proper notification.

Requested Action : Immediately delete the XXXXSynovus tradeline ( Account # XXXX ) from my XXXX credit file. 

Refer to the attached statement from XXXX confirming their request for deletion. 

Provide written confirmation that the tradeline has been permanently removed.

Thank you for your prompt attention to this matter. I am happy to provide additional documentation, including the FTC Identity Theft Report ( Report # XXXX ), police report, and full CFPB correspondence, upon request. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: GREENSKY OPERATIONS, LLC
State: NC

Complaint narrative:
Subject : Request for Immediate Deletion of Fraudulent GreenSky/XXXX  Account from Credit Report CFPB Complaint Follow-Up To : Consumer Financial Protection Bureau Company : XXXX  XXXX XXXX Product : Credit reporting Issue : Incorrect information on credit report Account Number : XXXX Complaint : I am writing to formally request that XXXX  immediately delete the tradeline associated with the following fraudulent account from my credit report : Account Number : XXXX Creditor : GreenSky Program / XXXX XXXX This account was opened fraudulently without my knowledge or consent, as I am a verified victim of identity theft. I previously submitted CFPB Complaint No. XXXX, which resulted in a written response from GreenSky dated XX/XX/2024, confirming the following : GreenSky reviewed the FTC identity theft report provided by the consumer refuting that he applied for the loan. Per the GreenSky policy, we have made the concession to not hold the consumer liable for the loan. GreenSky also submitted a request to the Credit Reporting Agencies to delete the tradeline from his credit report. 
( See attached letter signed by XXXX XXXX, GreenSky Program ) Despite this clear directive from the creditor, XXXX  continues to report this account, which is causing significant and ongoing harm to my credit profile and financial wellbeing. 

This failure to delete the tradeline violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block information resulting from identity theft upon proper notification.

Requested Action : Immediately delete the GreenSky/XXXX tradeline ( Account # XXXX ) from my XXXX  credit file.

Refer to the attached statement from GreenSky confirming their request for deletion.

Provide written confirmation that the tradeline has been permanently removed.

Thank you for your prompt attention to this matter. I am happy to provide additional documentation, including the FTC Identity Theft Report ( Report # XXXX ), police report, and full CFPB correspondence, upon request. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC
State: MO

Complaint narrative:
I had roof damage on my home and insurance sent check to myself and Selene XXXX. I called Selene XXXX to determine how to get check endorsed and pay the contractor. They had me complete XXXX  and send check to them. I overnighted check on XXXX XXXX, XXXX. I get phone call telling me my mortgage has been paid in full and does not have escrow so they can not process my loss claim and to call the loan department on Friday XX/XX/XXXX. I call to talk to loan department and transferred several places and no one seemed to know where the check was and how to get the money to my contractor. Keep getting told my mortgage has been satisfied. I have never received anything nor has the my XXXX company. They told me to call my XXXX company and ask to send check in only my name. The XXXX company says happy to do so with satisfaction of lien presented from Selene. I have made over 10 attempts to talk to supervisor and get to bottom of why I can't get copy of satisfaction of lien or endorsed check funds back to me. Each time I get tossed around and transferred to several people and eventually hung up on. I have spent over 8 hours on the phone with this company. Today after being disconnected not any further than I was last week trying to get supervisor to call me. They keep saying must submit a ticket and takes 48 hours. Ticket was submitted last week and no calls from lender. I need someone to provide me either the funds to pay the roof contractor that was sent to them XX/XX/XXXX OR Satisfaction of lien immediately so I can get new check from XXXX company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: NC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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