vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have disputed accounts that appeared on my credit profile with Experian, XXXX XXXX XXXX. These accounts are negatively affecting me and my families well being, career, finances & pursuit of happiness. They are taking too long to resolve this issue. THESE ACCOUNTS ARE REQUIRED BY LAW TO BE DELETED IN no more than 4 days These accounts are a result of identity theft : I demand the IMMEDIATE DELETION of the following fraudulent accounts from my credit file : XXXX XXXX XXXX Account Number : XXXX Balance : {$490.00} Opened : XX/XX/XXXX XXXX XXXX  Account Number : XXXX Balance : {$6400.00} Opened : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX ... Balance : {$21000.00} Opened : XX/XX/XXXX XXXX XXXX Account Number : XXXX... Status : Closed Opened : XX/XX/XXXX XXXX XXXX Account Number : XXXX ... Balance : {$2500.00} Opened : XX/XX/XXXX XXXX XXXX Account Number : XXXX ... Balance : {$500.00} Opened : unknown XXXX XXXX XXXX XXXX Account Number : XXXX ... Balance : {$500.00} Opened : unknown XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$210.00} Opened : unknown XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$370.00} Opened : unknown Some of these accounts may have been addressed, please also put in writing if an account has already been deleted I have attached my complaint to all bureaus, FTC report, police report & affidavits

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 2025-04-07 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: National Credit Adjusters, LLC
State: AL

Complaint narrative:
[ XXXX XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX, XXXX XXXX, ] [ XXXX, AL, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/year> ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, D.CXXXX XXXX RE : Immediate Removal Request FCRA Violation for Open Account Dispute To Whom It May Concern, I am filing this formal complaint and urgent demand for the immediate removal of an account from my credit report due to a clear violation of the Fair Credit Reporting Act ( FCRA ).

On [ Insert Date of Dispute ], I filed a dispute regarding an open account being reported inaccurately on my credit profile. Under the FCRA ( 15 U.S. Code 1681i ), the furnisher and credit reporting agencies have 30 days to complete an investigation and respond. As of today, that deadline has passed without any resolution, update, or evidence of verification. 

The account in question is : [ NCA ] Account : [ {$610.00} ] Status : Open Disputed [ reason : inaccurate balance, not mine, fraudulent, etc. ] This lack of response is a direct violation of my rights under federal law. Because the entity failed to verify or correct the information in the required timeframe, the account must be deleted immediately from all reporting agencies ( XXXX, XXXX, and XXXX ). 

This continued reporting is not only unlawful but is actively causing financial harm and reputational damage. I am demanding that the CFPB step in and initiate enforcement action against the responsible party for failing to comply with federal law. 

I expect immediate deletion of this account from all reports and written confirmation of action taken. If this matter is not resolved promptly, I will seek further legal remedy and contact the Federal Trade Commission ( FTC ) and my states attorney generals office for enforcement. 

Sincerely, [ XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I discovered that each of these corporations has illegally accessed and used my name, date of birth, my Social Security XXXX. XXXX XXXX XXXX, XXXX, XXXX, SANTANDER, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX Additional private and sentative information concerning my nonpublic and private information without my legal and lawful written consent to have such information. I never provided any of these corporations or third party funisher 's to have my information. Per 15 USC 1681 ( b ) I want them to send me the verifed written notice in wet ink signature by me that I provided for them to infringe on my rights This is a violation of the privacy Act. This is illegal as these corporations are backdooring consumer 's information for profit. Then these corporation without permisson again, place a inquiry on your consumer credit report as a negative mark, they never gave you anything but they securtized the application, meaning they made money off of it. An application is a secured agreement. Two diffirent parties authorizing the document unlawfully law.

15 USC 6802- Banks and all others are supposed to let you know that they are going to report to abc , they are supposed to give an option to opt out which they do not. 18 USC 1028 A- Banks and other agencies passing the consumer information around without lawful authority. They are all breaking the law. 15 USC 1681e ( b ) Accuracy of Reports 15 USC s 1681s-2 ( b ) Resposibilities of Furnishers

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I discovered that each of these corporations has illegally accessed and used my name, date of birth, my Social Security Number. XXXX XXXX XXXX XXXX XXXX XXXX ALLY BANK< XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX Additional private and sentative information concerning my nonpublic and private information without my legal and lawful written consent to have such information. I never provided any of these corporations or third party funisher 's to have my information. Per 15 USC 1681 ( b ) I want them to send me the verifed written notice in wet ink signature by me that I provided for them to infringe on my rights This is a violation of the privacy Act. This is illegal as these corporations are backdooring consumer 's information for profit. Then these corporation without permisson again, place a inquiry on your consumer credit report as a negative mark, they never gave you anything but they securtized the application, meaning they made money off of it. An application is a secured agreement. Two diffirent parties authorizing the document unlawfully law.

15 USC 6802- Banks and all others are supposed to let you know that they are going to report to abc , they are supposed to give an option to opt out which they do not. 18 USC 1028 A- Banks and other agencies passing the consumer information around without lawful authority. They are all breaking the law. 15 USC 1681e ( b ) Accuracy of Reports 15 USC s 1681s-2 ( b ) Resposibilities of Furnishers

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: Nelnet, Inc.
State: IL

Complaint narrative:
Securitization and Legal Standing to Service or Report Nelnet continues to assert itself as the creditor and servicer despite publicly available and attached documentation demonstrating that the loans in question were transferred via a true sale to the Nelnet Student Loan Trust, relinquishing all legal title and equitable interest. Accordingly, Nelnet lacks standing to collect, report, or enforce these loans under its own name, constituting deceptive practices under the Consumer Financial Protection Act, 12 U.S.C. 5536 ( a ) ( 1 ) ( B ). 

Demand : Nelnet must produce proof that the loans were not permanently conveyed to a trust, and provide documentation showing it retains ownership, title, or servicing rights. If the loans are trust-held, Nelnet must cease all collection activity and credit reporting under its name. Failure to Provide Adequate Notice and Due Process Nelnet alleges that it notified me via email regarding the scheduled IDR anniversary and subsequent recalculation of my payment. However, I did not receive any adequate or timely notice, either via mail or secure message, and no verifiable proof has been furnished to confirm that such communication was successfully delivered, opened, or understood by the borrower as required under 34 CFR 685.209 and 682.208. A borrowers failure to recertify income does not justify an abrupt increase in payment without multiple proactive outreach attempts. 

Demand : Nelnet must provide time-stamped, detailed records of all communications sent, including content, delivery method, and response logs confirming actual receipt not mere system-generated logs. Misreporting Under the Fair Credit Reporting Act Nelnet continues to furnish tradelines to credit bureaus in violation of 15 U.S. Code 1681s2 ( a ), which prohibits the reporting of inaccurate or misleading information. Furnishing data as a creditor when it is " no longer the creditor or authorized servicer '' is materially false and damaging to my credit profile.

Demand : All tradelines furnished under Nelnets name must be investigated and deleted or corrected to reflect the true legal creditor or owner of the loan. 
PSLF Count Discrepancies and Processing Errors Nelnets report of 107 PSLF-qualifying payments is unverifiable and inconsistent with my own records. Moreover, Nelnet fails to account for multiple periods where forbearance or deferment were misapplied, and IDR recertification issues some potentially caused by servicer error unfairly interrupted my PSLF progress. 
Demand : A full payment audit must be conducted by XXXX, with retroactive credit granted for all qualifying months improperly excluded due to servicer error or administrative forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: NJ

Complaint narrative:
I am writing to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: NJ

Complaint narrative:
I am writing to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this items as soon as possible.

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 2025-04-07 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Comenity Bank XXXX Credit Card is charging me interest charges for a closed account and cents are turning into big amounts and late fees that I do not know about until it was to late.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: MA

Complaint narrative:
On XX/XX/year> I added XXXX dollars to my robinhood account. They then put a restriction saying I could not withdraw or make any trades until they did a review. At first it said the review would be finished by XX/XX/XXXX. On XX/XX/XXXX they sent me the documents they needed which I sent the same day. The review then got pushed back until XX/XX/XXXX. When XX/XX/XXXX arrive it changed to XX/XX/XXXX. Now they are saying I will be updated on the XXXX. I have tried to get a call from them and when they called the immediately hung up and sent the same generic email they keep sending. I just want to withdraw my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
PHH Mortgage added foreclosure fees of {$8500.00} to my account but I never went into foreclosure, so they never incurred those fees. They filed during our lawsuit in XXXX but the judge threw it out. The lawsuit settled XX/XX/XXXX and my mortgage was reinstated. I didn't notice the fees until now and my attorney said he can't file suit because it's past the statute of limitations. I check my balance, payments, and escrow monthly but did not notice the {$8500.00} in fees. They snuck them in because they are unethical. Are you able to help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: CITIBANK, N.A.
State: FL

Complaint narrative:
CITICARDS CBNA Amount : {$290.00} Reporting Since : 2021 Charged off Debt the company is reporting on my credit report as OPEN. The debt has been considered canceled debt and the company has filed this debt with the IRS on their taxes as a profit loss and still reporting it as debt owed, even after they have taken a tax break. This is illegal. The company has not provided me with a 1099C so that I can write this off as income. They are in violation of 15USC1681eb.

Certified letter has been sent to the Company and to to XXXX Credit Bureau

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 2025-04-07 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: IL

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem 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 non-monetary relief
Consumer complaint received 2025-04-07 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: NY

Complaint narrative:
I am a victim of the XXXX data breach please see attachments below.

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 2025-04-07 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: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$290.00} XXXX XXXX XXXX - XX/XX/XXXX - {$3500.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX {$250.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$91.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$26000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$7600.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$670.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$28000.00} INQUIRIES : XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/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 non-monetary relief
Consumer complaint received 2025-04-07 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: NJ

Complaint narrative:
I am filing this complaint against Experian for repeatedly failing to correct inaccurate address information on my credit file. I have disputed this issue multiple times since last year, and despite providing a valid government-issued ID and proof of my current address with each submission, Experian has taken no action to resolve it. My correct and only address is : XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. However, Experian continues to report unauthorized and inaccurate addresses that I never lived at and never approved for reporting, including : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ( incorrect formatting ) ; XXXX B, XXXX XXXX XXXX NJ XXXX. These addresses are outdated, incorrect ( format ), and unauthorized addresses that I never gave permission to be included in my file. This ongoing reporting is a direct violation of 15 U.S.C. 1681b, which limits the permissible purpose of consumer information, and 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to ensure the maximum possible accuracy of the information they report. The continued presence of these incorrect addresses can result in identity confusion, verification issues, and credit denials. I am demanding the immediate and permanent deletion of all outdated or inaccurate addresses listed and for my credit file to reflect only my accurate address listed above. This is not a new issue this is a repeated failure on XXXX part to comply with federal law. I expect this to be resolved without further delay, and I want written confirmation once the correction is completed.

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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX deleted account number XXXX, XXXX. from my credit file but I want to know did Transunion and Equifax delete this information from my credit file.

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 2025-04-07 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 2025-04-07 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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief