vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all XXXX  credit bureaus on my credit 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 explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: SOFI TECHNOLOGIES, INC.
State: MO

Complaint narrative:
Sofi marked the account as closed back in XX/XX/year> I believe. Then marked the account as open and delinquent. Stating I missed all payments for the past few years or so. I've reached out to sofi and they claimed they didn't renew open it on my credit report as well as the collection agency/law office they stated they didn't do it either. There is absolutely no reason it should be marked as delinquent. It has been charged off but was already updated Stating the charge off. When it was re opened my credit took over a XXXX point hit and yet no one has taken blame for this. I've exhausted all options. I just need some one to help me fix the issues. The credit bureaus keep denying my dispute saying its accurate.. I reached am agreement during a court appearance that settled thw amount for sofi and a law office currently has my account and I'm current on all payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: EQUIFAX, INC.
State: CT

Complaint narrative:
I never gave this company any permission to access my credit. I didnt apply for anything with them, and I never authorized a credit check of any kind. This inquiry was done without my knowledge or consent, and thats a serious issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: CT

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. I am filing this FTC Identity Theft Affidavit to report a fraudulent account appearing on my consumer FICO Equifax credit report, which I do not recognize as reported and which is the result of identity theft and fraud. This fraudulent account consists of a credit card opened at XXXX XXXX XXXX on XX/XX/year> under the account number XXXX XXXX XXXX XXXX XXXX. This account has resulted in fraudulent reporting on my credit file. I demand that the aforementioned fraudulent item be removed from my Equifax consumer credit report and that all collection activity related to said item cease pursuant to my rights within the FCRA and FDCPA laws. All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-05-12 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: FL

Complaint narrative:
Serves as a formal follow-up to my previous dispute regarding inaccurate and unauthorized accounts being reported on my credit report. Despite multiple written notices and my clear explanation citing violations under the Fair Credit Reporting Act ( FCRA ), you have failed to provide any documented proof of the verification process you claim to have conducted, which directly contradicts your obligations under FCRA 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 2025-05-12 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: FL

Complaint narrative:
Serves as a formal follow-up to my previous dispute regarding inaccurate and unauthorized accounts being reported on my credit report. Despite multiple written notices and my clear explanation citing violations under the Fair Credit Reporting Act ( FCRA ), you have failed to provide any documented proof of the verification process you claim to have conducted, which directly contradicts your obligations under FCRA 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 2025-05-12 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: NY

Complaint narrative:
I am writing to dispute an inaccurate and damaging entry on my credit report concerning the accounts listed below, this entry is factually incorrect and a blatant violation of my rights under the fair credit reporting act ( FCRA ) particularly section 611 ( 15 USC 1681i. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX 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 2025-05-12 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:
I am writing to dispute an inaccurate and damaging entry on my credit report concerning the accounts listed below, this entry is factually incorrect and a blatant violation of my rights under the fair credit reporting act ( FCRA ) particularly section 611 ( 15 USC 1681i. 
XXXX XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2025-05-12 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: GA

Complaint narrative:
On XX/XX/year>, I submitted a full identity theft and trafficking-related dispute under FCRA Section 605C to Experian. I included : FTC Identity Theft Report Self-attestation ( signed by me, as allowed by law ) Government-issued ID Proof of address A Consumer Affairs representative named XXXX later told me a letter from a shelter or XXXX was legally required, and that my claim would be denied without it. This is a false interpretation of federal law. FCRA 605C does not require XXXX documentation. 

Despite multiple emails, uploads, and calls, Experian has continued to delay, unlawfully restarted the compliance clock, and failed to remove the fraudulent accounts. This has caused ongoing harm and retraumatization. 

I am requesting immediate removal of all trafficking-related accounts and inquiries, along with a corrected credit report. Experian is violating federal consumer protection laws, and I ask that the CFPB intervene. 

The law explicitly allows a survivor to submit their own written statementcalled a self-attestationwithout needing it to come from an XXXX, shelter, or law enforcement. 

The statute says : A consumer may submit a statement signed by the consumer identifying information related to the trafficking. 

What Experian and Equifax is doing : Illegally denying your dispute Misrepresenting federal law Prolonging the process beyond the legal deadline Retraumatizing a survivor by placing unlawful burdens

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I never gave this company permission to open or report any accounts in my name. I have no relationship with them, I didnt authorize anything, and Ive never conducted any business with them. These accounts were added without my knowledge or consent, and thats a serious problem.

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 2025-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American express suddenly close the American express XXXX credit card today XX/XX/year>, and refuse to redeem my cash reward XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Requested XXXX credit for the first half of 2025. Spent at an XXXX restaurant on XX/XX/XXXX, and I still don't have the credit. When reached out to the customer service, I'm provided with several responses each contradicting with one other.

One of the reps say I will get the credit in 14 days. Another one says 8-10 weeks. Nobody has clear response.

This credit is issued twice a year. So if they take another 8 weeks from now, it will be into the 2nd half of the year, and I'd have lost the credit for the first half of the year. 

I had purchased from this restaurant last year in XXXX, and was issued the credit immediately. Not sure what is the problem this time. 

Requesting intervention as people are providing falsified information when reaching out on chat.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am seeking the CFPBs assistance in correcting inaccurate personal information being reported by Experian. My credit file contains multiple name variations that do not belong to me, including : XXXXXXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX. My correct legal name is XXXXXXXX XXXX XXXXXXXX XXXX XXXX, as shown on my drivers license and Social Security card. Additionally, the following addresses are incorrect and must be removed : XXXX XXXX XXXX, XXXX, NJ ; XXXX XXXX XXXX XXXX, XXXX, NY ; and XXXX XXXX XXXX, XXXX, NY. My accurate and current address is XXXX XXXXXXXXXXXX XXXX XXXX XXXX, XXXX, NJ XXXX, verified by my ID and utility bill. My employer should be updated to XXXX XXXX XXXX XXXX. Experian is obligated to report accurate information under 15 U.S.C. 1681e ( b ) and correct disputed data under 15 U.S.C. 1681i. If not addressed, this may result in liability under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance, with damages of {$1000.00} or more per violation. I respectfully request your intervention to ensure Experian takes immediate corrective action. ''

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 2025-05-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I applied for income-driven loan repayment under income-based repayment plan, through FAFSA, using imported tax information. FAFSA states that my IBR monthly payment is {$970.00}. The application was then sent to Nelnet for processing. On XX/XX/XXXX, under the IBR plan, Nelnet sent me a letter stating that my monthly payments will be {$1300.00} to resume XX/XX/XXXX. I contacted Nelnet today XX/XX/XXXX to inquire about the discrepancy. The first agent stated that they did not know why there was a discrepancy between the information from FAFSA and Nelnet. The second agent stated that the income driven loan repayment plan calculates monthly payment between XXXX % of borrower 's AGI. This is not what is stated on the FAFSA website which states : " Income-Based Repayment ( IBR ) Plan Ideal if you expect to continue to have a low income or have graduate school debt. 

View Details Monthly Payment {$970.00} Total To Be Paid {$250000.00} End of Term Date XXXX XXXX End of Payment Balance {$28000.00} Monthly Payment Limit Payments are generally limited to 10 % of your discretionary income and will never be more than the 10-year Standard Plan amount .

Interest Accrual Unpaid interest accrues. After youve made your full monthly payment, any remaining accrued interest on subsidized loans is covered by the government during your first three years in the plan.

End of Payment Term Any remaining balance on your loan may be forgiven after 20 or 25 years ( 240 or 300 months ) of qualifying repayment. The remaining balance may be taxable. '' -- I still have not received a plausible explanation as to why these payments different despite FAFSA and Nelnet receiving the same information. My preferred program is the IBR plan which Nelnet should, based on the information provided on the FAFSA website, limit to 10 % of AGI and provides assistance with unpaid interest.

Additionally, when asked about the PAYE program, I was told the monthly " estimated ' payments are {$960.00}. Meaning it is impossible to make an educated decision about your payment plan as all numbers discussed are estimates and subject to change once an application is officially submitted.

Nelnet must also provide in writing that that both income-based repayment ( IBR ) and pay as you earn ( PAYE ) are qualifying payment plans for the Public Service Loan Forgiveness program I will continue to document the predatory behavior of this loan servicer for the sake of other frustrated and hopeless borrowers.

I also recorded this conversation for documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: NC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) 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 ( XXXX XXXX Code XXXX ) 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 non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I placed an order with a merchant XXXX order number XXXX this was for a water pump in the amount of {$40.00}. I never did receive this item and I inform the merchant and they denied my refund request. I even showed them that I went to another merchant after this to purchase this same product because I needed it to fix my vehicle. I have tried to resolve this and I need my money back for this item that I never received. I asked them for a picture because when I received things by a carrier Im always provided with a picture but in this case they didnt give me a picture. Below you will see the XXXX merchant that I ordered from which was XXXX sent a picture of the item that I had to repurchase because of XXXX didnt deliver my order to my address and when they said it was proof was not provided to me like it was with 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 monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Radius Global Solutions LLC
State: NV

Complaint narrative:
. Radius Global solutions is in clear am filing a formal complaint against Radius Global Solutions for unlawfully attempting to collect a debt that I already paid in full to XXXX XXXX. Below are the details of their violations of federal law and my demand for resolution. 

XXXX. Paid Debt : I settled this debt directly with XXXX XXXX on [ XXXX XX/XX/year> ]. 
XXXX. Radius Global Solutions Violations : - Continued collection efforts on a debt that no longer exists. 
- Failure to investigate the dispute and correct credit reporting errors. 
- Threatening to report ( or reporting ) an invalid debt to credit bureaus. 
Violations of Federal Law - XXXX XXXX. XXXX ( XXXX ) ( A ) ( FDCPA ) : Falsely representing the legal status of a debt. 
- XXXX U.S.C. XXXX ( XXXX ) ( FDCPA ) : Attempting to collect amounts not owed. 
- XXXX U.S.C. XXXX ( b ) ( FCRA ) : Failure to conduct a reasonable investigation into my dispute. 
Request for CFPB Action XXXX. Investigate Radius Global Solutions : Hold them accountable for violating the FDCPA and FCRA. 
XXXX. Demand Immediate Removal of the Debt : Require Radius Global Solutions to delete all records of this debt from credit bureaus. 
XXXX. Prevent Re-Reporting : Ensure they do not re-add this debt to my credit reports under XXXX XXXX. XXXX ( a ) ( XXXX ) ( paid collections can not be reported ). 
XXXX. Penalties and Compliance : Impose fines or sanctions if violations are confirmed. 


Also reporting under XXXX different names via credit -- Under the FDCPA ( XXXX XXXX. XXXX ( XXXX ) ), it is unlawful to use any name other than your true business name. 
- The FCRA ( XXXX XXXX. XXXX ( a ) ) mandates accurate reporting. Multiple names risk errors, harming my credit profile.

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 2025-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
Original XXXX XXXX, XXXX, XXXX Current Owner LVNV Funding LLC. Reference ID # XXXX, Balance {$400.00}. This amount was paid a couple of years ago I notified XXXX XXXX XXXX card and an arrangement was made and it was paid off. They were told to notify and to cancel the card. They accepted. I no longer have the card nor any other XXXX  XXXX XXXX, although I keep getting mail from the Credit card one to join and accept the card, I destroyed. I told these same people that I had paid it off and that I no longer have that account/card. Please help me get this resolve, thank you. I also told them that Im an XXXX XXXX with 20 years of service and I dont need this harassment from anyone. That means them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: WI

Complaint narrative:
THIS COMPANY REPORTS TO MY CREDIT REPORT AND THIS ISNT MY INFORMATION. THERE IS INACCURRANCE ON THE REPORT SUCH AS SOCIAL DOESNT MATCH MINE

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