vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Nelnet, Inc.
State: IN

Complaint narrative:
In XXXX of XXXX Nelnet opened new loan with my personal information without my consent. This violates many consumer rights that are entitled to me. The ESIGN Act allows the use of electronic records if the consumer has affirmatively consented to such use. Nelnet has not received any written consent from me to open a loan in the year of XXXX. Since then the entity ( Nelnet ) has shared that information as well as personal information to outside agencies. The FERPA Act of 1974 States unless required by federal law, the information contained in educational records may not be disclosed to third parties. 15 U.S.C 1681b ( a ) ( 2 ) states that any reporting agency may furnish a consumer report if it is done in order of a court of having jurisdiction to issue such an order, written consent of the consumer. I have no documentation of a court order nor does Nelnet have written consent from me to do such things.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XXXXJPMCB has been reporting 2 accounts but I only have one account with this tradeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I recently discovered that there is a rental property in Florida associated with my name, but I have never lived at that address. I have always resided in Georgia and have never rented or applied for housing in Florida. 

I am concerned that my identity may have been used without my knowledge to rent this property or that there is an error in the companys records. I only became aware of this issue XXXX of XXXX  when I noticed it in a credit report or through communication from the company. 

I have not signed any lease, made any rental payments, or had any involvement with the Florida property in question. I would like this situation investigated and any false or incorrect information removed from my record immediately.

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

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

XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Escrow and Title Services, Inc.
State: IL

Complaint narrative:
Complaint, QWR, DVR and demand for TILA disclosures to provide me a copy of wire transfer receipt of {$130000.00} sent to XXXX XXXX XXXX XXXX on XXXX XXXX by XXXX XXXX  or anyone else on my behalf and copy of wire transfer receipt from XXXX XXXX to anyone evidencing payment of {$130000.00} on my behalf. As of today my alleged Guarantor GinnieMae and the XXXX XXXX XXXX have no records about my transaction and want personally verify with the employee of XXXX XXXX XXXX that she in fact received {$130000.00} and paid to the property seller XXXX and his alleged lender XXXX XXXX who also has no records of any receipts of $ XXXX from XXXX XXXX  I demand XXXX XXXX XXXX  employee to join this XXXX  hearing to verify bogus lender title insurance for call center XXXX XXXX  and how XXXX XXXX  titke tetermined that my transaction was with XXXX and it was mortgage. Provide me name and direct contact information for the authorized individual employee who has personal knowledge about my transaction to schedule a XXXX  hearing with the XXXX XXXXXXXX XXXX XXXX regarding my so called VA guaranteed loan for XXXX XXXX XXXX XXXX Michigan I plan to file a motion for the order directing Originator and XXXX XXXX XXXX XXXX XXXX XXXX ( dba XXXX XXXX XXXX  ) employee and fake servicer XXXX employees to personally appear at this XXXX  hearing and verify all information about my transaction to the XXXX XXXX XXXX XXXX and to Judge XXXX XXXX 

Please provide me suitable for you dates after XXXX XXXX to set up this XXXX hearing at the convenience of all partie

Company response to consumer: Untimely response
Consumer complaint received 2025-04-04 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: Aspen Yo LLC
State: PA

Complaint narrative:
All My Payments for XXXX was held in a XXXX account that was frozen due to a XXXX XXXX lawsuit. 
Caused my mortgage to be late in XXXXand refusal all payments to keep up to date. 
they stated the want the previous payments before current payments even when ive provide the current company proof of payments. 
I was told it was nothing that could be done because of the issue. 
Outstanding balance of {$6000.00} I want to pay and stay in my place without any more issues.

Company response to consumer: Untimely response
Consumer complaint received 2025-04-04 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: Shellpoint Partners, LLC
State: PA

Complaint narrative:
All My Payments for XXXX was held in a XXXX account that was frozen due to a XXXX XXXX lawsuit. 
Caused my mortgage to be late in XXXX refusal all payments to keep up to date. 
they stated the want the previous payments before current payments even when ive provide the current company proof of payments. 
I was told it was nothing that could be done because of the issue. 
Outstanding balance of {$6000.00} I want to pay and stay in my place without any more issues.

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 2025-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-04-04 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:
I request the immediate removal of all unauthorized inquiries and unverifiable collection accounts from my credit report, as they have not been properly validated. If legally admissible proof of my authorization for these inquiries and my responsibility for these collection accounts can not be provided, they must be deleted in compliance with federal law. Failure to remove inaccurate or unverified information is a direct violation of my consumer rights. Once these items are deleted, I expect an updated credit report reflecting the corrections.

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 2025-04-04 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: MD

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-04-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting

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

Complaint narrative:
Kindly remove the unauthorized accounts from my credit report at your earliest convenience. I did not authorize or recognize these accounts, and their origin is unknown to me. Per USC 1681g, I am requesting their deletion within the next 15 days. The attached documents provide relevant details for your review. Furthermore, discrepancies exist in how the accounts are reported to each credit bureau

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

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 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 2025-04-04 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: PA

Complaint narrative:
I am extremely frustrated after noticing an unauthorized inquiry on my credit report this morning. I routinely check my report, and this is the first time Ive seen such an issue. I even refreshed my browser, thinking it might be a technical problem, but the inquiry did not disappear. I need this addressed immediately, and I insist that my submitted documents be carefully reviewed so I dont have to deal with this again.

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 2025-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this complaint against American Express regarding the welcome bonus offer on my XXXX XXXX credit card. The offer I applied for was XXXX XXXX XXXX points after spending {$2000.00} in the first XXXX months. I met this requirement, but I never received the bonus. 

Upon contacting AmEx customer service, I was informed that I was ineligible for the bonus and that a pop-up message should have appeared at the time of my application to notify me of this. However, I never saw such a message. I believe that if AmEx considered me ineligible, they should not have approved my application in the first place. 

Additionally, after my application was approved, I called AmEx to request expedited shipping for my card. During this call, an AmEx representative confirmed my eligibility for the welcome bonus, reinforcing my belief that I would receive it. 

I have already met the spending requirement ( {$2000.00} is a significant amount ), and I find it unfair that AmEx is now denying the offer. I request that AmEx honor the XXXX XXXX XXXX points as originally promised or provide a clear and justified explanation for why they are refusing to do so. 

I appreciate your assistance in resolving this matter. 

Best regards, XXXX XXXX

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

Complaint narrative:
Kindly remove the unauthorized accounts from my credit report at your earliest convenience. I did not authorize or recognize these accounts, and their origin is unknown to me. Per USC 1681g, I am requesting their deletion within the next 15 days. The attached documents provide relevant details for your review. Furthermore, discrepancies exist in how the accounts are reported to each credit bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Hi, I am a former foreign student. I graduated and returned to my home country. 

On XX/XX/XXXX, I received emails indicating XXXX consecutive unauthorized debit card transactions of {$51.00} each on my account. Unfortunately, I am unable to stop these unauthorized transactions because my online account is locked. 

I have attempted to contact customer service by phone. However, they required a verification code sent to my inactive XXXX phone number before providing any assistance. They offer no alternative verification methods and advised me to visit a branch in person, but I am currently abroad and unable to do so. 

I proactively suggested alternative verification methods, including email and previously provided information, yet the bank insisted solely on SMS verification, demonstrating a lack of flexible solutions. 

I am extremely concerned about these fraudulent transactions. I can not sleep.

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 2025-04-04 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: TX

Complaint narrative:
I am reporting a debt illegally placed by IQ Data XXXX under account number XXXX. This debt is related to a residence at XXXX XXXX XXXX XXXX XXXX specifically unit XXXX, for which I never signed a lease. 

Additionally, I made a payment of {$260.00} on XX/XX/year>, as part of a recorded telephone agreement to close a previous account. IQ Data breached this agreement and continued to report negatively. 

Additionally, XXXX XXXX falsified photographic evidence and allowed IQ Data to reactivate previously removed charges from its ledger.

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

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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

Complaint narrative:
I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

Experian : XXXX XXXX, XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.

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 2025-04-04 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: CA

Complaint narrative:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & remove any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please delete /remove these files.

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 2025-04-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-04-04 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: Informative Research
State: IL

Complaint narrative:
I am filing this complaint to dispute a hard inquiry that appears on my credit report from INFORMATIVE RESEARCH on XX/XX/year>. I did not authorize this credit inquiry, nor did I apply for any credit, loan, or service with this company. Under the Fair Credit Reporting Act ( FCRA ), a hard inquiry can only be made with my explicit consent. 

I contacted the company directly and requested proof of authorization for the inquiry, but I have not received a satisfactory response. Therefore, I am requesting that this unauthorized inquiry be removed from my credit report. 


XXXX XXXX XXXX XXXX XXXXXXXX Please investigate this matter and ensure that my credit report is corrected accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Integrity Financial Corp. DBA US Loan Servicing
State: TN

Complaint narrative:
These companies keep calling offering loans to fix credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 non-monetary relief