vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-11 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: MI

Complaint narrative:
I am writing to dispute inaccurate and inconsistent reporting related to XXXX XXXX XXXX ( Account # XXXX ). After reviewing data from other bureaus and comparing it to the creditors transaction history, I found the following discrepancies : Discrepancies Identified : XX/XX/XXXX : Payment of {$800.00} made on XX/XX/XXXX, yet the account was reported as 150 days late. 
XX/XX/XXXX : Payment of {$390.00} made on XX/XX/XXXX, yet the account was reported as 120 days late. 
XX/XX/XXXX : Payments totaling {$510.00} were made ( {$210.00} on XXXX and {$300.00} on XX/XX/XXXX ), exceeding the standard monthly obligation yet this was cited as justification for removing my XXXX XXXX XXXX. 
XX/XX/XXXX : Payment of {$390.00} made on XX/XX/XXXX, which should have satisfied XXXX obligation. 
XX/XX/XXXX : Payment of {$390.00} made on XX/XX/XXXX, yet reported late. 
XX/XX/XXXX : Payment of {$410.00} made on XX/XX/XXXX, but still listed as unpaid. 
XX/XX/XXXX : Payment of {$410.00} made on XX/XX/XXXX, covering the early XXXX obligation window. 
XXXX XXXX : A full year of XXXX. 150 day late marks are listed, despite the presence of payments and late fee activity. 
Cross-Bureau Discrepancies : Your bureau often reflects a Current or OK status during months where others show severe delinquencies. 

Requested Action : Please conduct a reinvestigation of this account, and ensure continued accuracy if new updates are furnished. Data inconsistencies across bureaus and creditor records must be resolved in line with FCRA obligations.

Furthermore, the inaccurate and misleading reporting of late payments particularly for months where payments were made or where payment status was overstated has had a direct and adverse effect on my credit profile. Under the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 1 ) ( A ), furnishers are required to report only accurate information to credit bureaus. Additionally, per FCRA 604 ( b ), any adverse action based on a credit report such as being denied for credit must be based on verified and accurate data.

Due to the repeated reporting of 90150-day delinquencies that contradict your own transaction history, I have experienced negative impacts on my creditworthiness and have been denied access to credit on fair terms. I am formally requesting not only a reinvestigation, but also that these derogatory marks be removed or corrected to reflect the true status of the account in accordance with the FCRA.

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 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax Information Services LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX submit this affidavit to request a security freeze on my credit report.

Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : XXXX. Applicant Identification : Full 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. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
XXXX. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number.

4. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information.

5. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: NC

Complaint narrative:
NELNET DOES NOT OFFER A SETTLEMENT LOWER THAN THE AMOUNT OWED.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Today I noticed some false accounts on my credit report, and I have no clue why they appeared. This wasnt the case during my last routine check. I thought it might just be a browser issue and refreshed the page, but the inaccurate entries were still there. As a result, Im requesting a detailed review of the paperwork Ive sent to ensure this is resolved once and for all.

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 2025-04-11 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX 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 explanation
Consumer complaint received 2025-04-11 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: OR

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I have been out of the country for many years and have not used any financial institutions in the US. I have recently noticed that somebody stole my identity to open a bank account ( XXXX XXXX XXXX  ) and a credit card XXXX Bank of America ). 

I have been charged for the credit card payments, too, as it is being used by identity theft. My BOA account has been hacked and put their phone number, so I can not log in, either. When I talked to BOA representatives, they said they could not reset my password because I do not have that phone number. As a result, BOA refused to close the credit card. So I would like to close all bank accounts and credit cards created since 2014 with the help of the government. 

For the XXXX XXXX XXXX  account, I have filed a dispute to close, but I also want the government to step in to help with my case.

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 2025-04-11 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: FL

Complaint narrative:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-04-11 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: OK

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: GA

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I am a customer of Robinhood Markets , Inc. My account username is @ XXXX. Robinhood has blocked my account and is withholding my funds of {$2000.00} without providing a clear explanation.

They initially informed me that the issue would be resolved by XX/XX/XXXX, then postponed to XX/XX/XXXX, but now they have stopped providing any updates. 
I have contacted their support team multiple times requesting an explanation and a resolution, but I have only received vague replies and delays. 
This situation is causing significant financial distress. I am requesting the CFPBs assistance in holding Robinhood accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 explanation
Consumer complaint received 2025-04-11 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: MI

Complaint narrative:
So this started XX/XX/year> my account got hacked, and yes I got my money back but the problem is what happened after. It took 5 weeks to get my new debit card and 4 phone calls. They closed the pnc 's on XXXX here in XXXX, mi. Not only did they close them they took out the ability to go to the bank to get a new card. The whole time I kept trying to get my new card all my accounts started closing because I don't have my card to make the monthly fee. I tried a prepaid gift card but not all of the services would take it. The have XXXX on XXXX customers here in XXXX. Now I got hacked again a few weeks ago and yes I got my money but I am still waiting for my new card. When I called the first time the employee said she would order a new one. Well XXXX weeks go by and no card. I call again and the dam card was never ordered. They only have XXXX cashier during lunch rush and while the line gets long you see the stupid lady walking around giving you slips to fill out instead of getting behind the register to help. I have been in the drive through for up to a half hour waiting for my transaction to be done. I am ready to pull my money and close my accounts because they just are not good at taking care of their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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:
Contents of Complaint : This CFPB complaint has been led 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 the following items : Fraudulent Auto Loan account opened at XXXX XXXX XXXX on XX/XX/XXXX account number XXXX Fraudulent credit card account opened at XXXX on XX/XX/XXXX account number XXXX Fraudulent loan account opened at XXXX on XX/XX/XXXX account number XXXX Fraudulent Unsecured loan account opened at XXXX XXXX on XX/XX/XXXX account number XXXX Fraudulent Collection account opened at XXXX on XX/XX/XXXX account number XXXX Fraudulent Collection account opened at XXXX XXXX XXXX on XX/XX/XXXX account number XXXX Fraudulent Collection account opened at XXXX on XX/XX/XXXX account number XXXX Fraudulent Collection account opened at XXXX on XX/XX/XXXX account number XXXX Fraudulent Collection account opened at XXXX XXXX on XX/XX/XXXX account number XXXX and the hard inquiry XXXX XXXX XX/XX/XXXX These items have resulted in other several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud .I have attached an affidavit of truth, proof of identity, proof of address and a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I have also attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) 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 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 2025-04-11 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: CA

Complaint narrative:
XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX 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 a collection account from XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number # XXXX. This account has resulted in several fraudulent accounts and fraudulent collections appearing on my consumer FICO credit reports. I've attached a list of the accounts in question as well as a copy of the XXXX consumer FICO credit report as I was unable to pull my TransUnion or XXXX reports online for some reason, these reports show the aforementioned fraudulent items. I do not recognize the aforementioned accounts or collections reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections 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 and collections are the result of identity theft and fraud. I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to XXXX. Thank you for your support regarding this matter, Best regards, 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 non-monetary relief
Consumer complaint received 2025-04-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am writing to formally dispute an unauthorized inquiry on my credit report and to report a case of identity theft. Upon reviewing my credit report, I noticed an inquiry from Capital One, which I did not authorize or initiate. I firmly believe that this inquiry was made as a result of fraudulent activity involving my personal information.

At no point did I authorize any request for my credit report from this entity. This inquiry appears to be unauthorized, and I suspect that someone may have used my personal details fraudulently in an attempt to open credit in my name. I am deeply concerned that I have become a victim of identity theft. 

CAPITAL ONE ( Bank ) XX/XX/year> 2024

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX 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 explanation
Consumer complaint received 2025-04-11 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX 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 2025-04-11 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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