vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I think XXXX XXXX XXXX pulled my credit to see if I qualify for a credit card through them when I never authorize or try to sign up for a credit card through them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I had a payment due on XXXX of every month, I do send my payments earlier so I wouldn't do a late payments. I had problems with Santander Consumer USA that's were I send out my payments from my car loan. I send out {$540.00} to them on XXXX XXXX I have received a statement bill by mail saying late payment that never received, I check my XXXX XXXX XXXXXXXX statements by the app I shows that the payment went in and process it already. I call my XXXX XXXX XXXX today XX/XX/year> at XXXX in the afternoon explaining that if the payment for {$540.00} was process and send to Santander Consumer USA XXXX I call Santander Consumer at XXXX I wanted to speak with a XXXX because it's not been my first time reporting it been serval times now, I really disappointed about it because I never had this problems at all unit now. XXXX spoken to me and few hours at XXXX ; XXXX she clicks on me never return the call to me back. I want to know why I been having issues with them with my payments not being on time when I have bank statements as my proves and send to them. I need to resolve this issues as sooner as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: CA

Complaint narrative:
I have been on a forbearance that was due to end in XXXX. So, trying to be proactive, I filled out an XXXX XXXX and chose the option to stay in forbearance. My XXXX XXXX servicer NelNet took it upon themselves to sign me up for an XXXX and not keep me in the forbearance. They did this against my will and against the application that was submitted. This is fraudulent activity, if the application couldn't be processed as submitted, then they should have asked me to send in a new application. This needs to be resolved ASAP before I am late on payments, because I will not be paying anything until XXXX, like my forbearance was scheduled for before the XXXX was submitted and as the application stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: OH

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/year>XXXX XXXX  Date : XX/XX/year> XXXX Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-11 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
hello, i had reserved a hotel for XXXX XXXX for XX/XX/XXXX to XX/XX/XXXX at the XXXX XXXX, on the XXXX XXXX, i had payed half on the app and the rest at the hotel when arrived. 
in total it was XXXX and i payed XXXX, i had purchased the insurance where i can cancel before the date and receive my money. i never received anything wasnt able to cancel and the bank didnt help me through my claim. 

XXXX issue. i had purchased a hotel for XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX at the XXXX XXXX in XXXX XXXX, i had also purchased the insurance where i can cancel before and i didnt receive anything, total was XXXX $ and bank did not help as well with my claim.

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 2025-09-11 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I'm writing to bestow my XXXX  concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. 
I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

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 2025-09-11 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: WI

Complaint narrative:
I reviewed my credit report and noticed that multiple accounts are being reported inaccurately and in violation of Metro 2 compliance and FCRA standards. Specifically, the charge-off statuses, payment history, and balance reporting are inconsistent and outdated. These accounts remain on my file despite formal disputes and lack of verifiable documentation. Ive included a full Metro 2 audit in my supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: CA

Complaint narrative:
victim of identity theft have been battling for months. all 3 credit bureaus need to remove this items from my report. I have sent a dispute to all buraus an still not removed. 

Charges are {$46000.00} {$26000.00} and a fraudulent collection for {$150.00}. 

attached is a copy of my identity theft 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 non-monetary relief
Consumer complaint received 2025-09-11 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: CA

Complaint narrative:
victim of identity theft have been battling for months. all 3 credit bureaus need to remove this items from my report. I have sent a dispute to all buraus an still not removed. 

Charges are {$46000.00} {$26000.00} and a fraudulent collection for {$150.00}. 

attached is a copy of my identity theft reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: NY

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 XXXX ( 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 2025-09-11 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: NY

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 XXXX ( 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 2025-09-11 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: NJ

Complaint narrative:
The consumer reporting agency has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) 609 by not properly verifying the accuracy and completeness of the information contained in my credit file. I have exercised my right to request full reinvestigation of every item in my report, yet the bureau has either not provided adequate verification or continues to report unverified information. This constitutes a violation of my rights under federal law and raises serious concerns about the integrity and accuracy of my consumer report.

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 2025-09-11 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:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days!

These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.

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 2025-09-11 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:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days!

These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I contacted aidadvantage on XX/XX/XXXX to request original proof of debt. I have an email from the department of education stating that my loans were approval of forgiveness in XXXX. On or about XX/XX/XXXX a loan amount at 90 days past due was posted to my credit report. I was never informed of this loan, have never been directly affiliated with aidadvantage and per their own admittance, they did not become my loan servicer until XXXX, more than XXXX  years after I would have taken out any loans of this type. They also deny having any loan forgiveness letters from the department of education as its an error within their own system. They also read off an address that is not mine, not ever has been my address as I have owned my last XXXX homes dating back to XXXX. I requested original proof of debt and it was never provided. They then posted to my credit report on XX/XX/XXXX that I had accounts XXXX  days past due. At this time, I again called and requested that this be removed from my credit and that I be provided the original proof of debt. They have yet to provide this information and continue to report derogatory marks against my credit.

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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-09-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
XXXX XXXX thru XXXX I have been making payments my XXXX XXXX for over {$6500.00} Cashier Checks up to XXXX. Caliber Home Loans paid {$8700.00} to XXXX XXXX HOA place a lien on my home due to none payment of HOA dues which Caliber Home Loans or XXXX XXXX never advised me of transactions. I received a letter from Caliber Home Loan stating HOA place a lien because of non-payment and my mortgage is going up by {$350.00}. I spoke to a Supervisor at Caliber Home Loans she saw that I had paid HOA due and she found the copy of the HOA Cashier checks which I email with the modification loan. Supervisor advised me to pay, Caliber Loans have attorney to take care of this matter. About XXXX  month a later Caliber Home Loans sold my home to Shellpoint Mortgage back in XXXX. Shellpoint Mortgage Single Point of Contact advising me to send copies of HOA payment Proof payment, I received another Modification and my Mortgage went up from {$1200.00} to {$1500.00} to {$1700.00}. and my Interest rate went up to 2.9 % to 3.9 % in order to payback - {$12.00} of negative Escrow. This has place a financial strain on my finances. Shell Pointe Mortgage never investigated after receiving # XXXX emails of copies of Cashier Checks to XXXX XXXXHOA XXXX I also have emails from HOA stating I owe this {$410.00} and emails from HOA stating payment are finish and will be submitted to HOA Board for consideration. In all XXXX XXXX have received over {$14.00} of HOA dues. I can't continue to pay HOA and Mortgage at the same time this has brought financial hardship. I have copies of receipts and Copies payments that was sent by Caliber Home Loans to HOA with out my knowlegde. Shellpoint raised my interest due to back payments of Negative Escrow payment. I have and attorney for HOA because this can not continue and now Shellpoint wants for foreclose on my morgtage again. I have ALL copies of emails and statements of all transactions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: CBC Companies, Inc.
State: IL

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 2025-09-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
My loan with XXXX was fully paid and closed with a balance of {$0.00} as of XX/XX/year>. I have requested that this updated balance be reflected on my credit reports with XXXX, XXXX, and Experian. 
However, as of XX/XX/year>, my credit reports continue to show an incorrect balance. Enclosed is proof confirming the {$0.00} balance for your review and correction.

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 2025-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
My name is XXXX XXXX I need to know know if my Zelle email XXXX is blocked or restricted or deactivated or suspended or limit or blocked if it is please fully reactivate so I can use it at my new bank account before I cant do nothing for it to be deactivated and when I call yall agents multiple with lines number XXXX and XXXX they didnt want to help or sound like they was understanding me or know what they was doing and refused to help me without a phone number and if I just give them my email and they was all getting lipy and smart and went quiet on me and I dont know their name I want them to be investigated and punishment etc.

Company response to consumer: Closed with explanation