vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-09-18 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: GA

Complaint narrative:
I dispute the XXXX XXXX account [ XXXX ]. XXXX has not provided original creditor documentation or assignment records proving ownership. 
Reporting without validation violates FCRA XXXX ( a ) ( XXXX ). Per XXXX ( a ), this account must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: IL

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 XXXX 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 explanation
Consumer complaint received 2025-09-18 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:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-09-17 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: MO

Complaint narrative:
I graduated XX/XX/XXXX. I never set up a loan repayment plan as I never came out of forbearance. Once the XXXX  forbearance was up my loans went into late payment status without notification. I only found out because my XXXX  XXXX  was closed related to poor credit history which made me look into it. 
In XX/XX/XXXX they began reporting late. In XX/XX/XXXX I began disputing these late statements and applied for another forbearance that I was approved for, XXXX  then sold my loans without notice to another company. I have disputed these late payments with them ( XXXX ) and applied and was granted another forbearance. Nelnet refuses to change the status of the loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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:
Do to the recent data breach that has occurred, I've found several discrepancies. I am demanding that the following accounts be deleted from my credit report. The accounts are as follows : XXXX XXXX  # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX. These inquiries should also be removed. XXXX 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 explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Do to the recent data breach that has occurred, I've found several discrepancies. I am demanding that the following accounts be deleted from my credit report. The accounts are as follows : XXXX XXXX  # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX. These inquiries should also be removed. XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
On XX/XX/year>, I reviewed my credit report and discovered several inaccurate name variations listed under my profile. On XX/XX/year>, I contacted Experian by phone to dispute these errors, but no correction has been made. Therefore, I am submitting this formal written dispute under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: AZ

Complaint narrative:
On XX/XX/year>, I reviewed my credit report and discovered several inaccurate name variations listed under my profile. On XX/XX/year>, I contacted Experian by phone to dispute these errors, but no correction has been made. Therefore, I am submitting this formal written dispute under the Fair Credit Reporting Act ( 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 2025-09-18 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: NV

Complaint narrative:
Contacted XXXX XXXX XXXXXXXX about a collection owed on a rental. The employee on the phone hung up on me before providing me with information and said they would mark me ineligible and did not offer me a chance to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Flexible Finance, Inc.
State: FL

Complaint narrative:
Issue : Unfair and deceptive billing practices by Flex XXXX  of Complaint : I signed up with Flex and was approved for a {$500.00} credit line. My direct deposit goes into an account that Flex does not support. I later received an email requesting that I verify my income. For my first months rent, I did not use Flex and instead paid my rent directly on my own. 

After completing and submitting the requested verification form, Flex charged my card {$14.00} on XX/XX/year>, for a membership fee. On the very next day, XX/XX/year>, I received an email stating that I no longer qualified for the service and that my membership was suspended. 

This means Flex charged me a membership fee despite : Not supporting my direct deposit account, My non-use of their service for rent payments, and My subsequent disqualification and suspension XXXX day later. 

Relevant Consumer Protection Laws : Truth in Lending Act ( TILA ), XXXX XXXX. XXXX et seq. Requires clear, accurate disclosure of fees and terms. Flex did not properly disclose that I could be charged before confirmation of eligibility. 
XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX. XXXX Prohibits unfair, deceptive, or abusive acts or practices ( XXXX ). Charging a fee after suspending service is an unfair and deceptive practice. 
XXXX XXXX Transfer Act ( XXXX ), XXXX XXXX. XXXX Protects consumers from unauthorized charges. This charge was taken despite my account being deemed ineligible. 
Florida Deceptive and Unfair Trade Practices Act ( XXXX ), XXXX XXXX. XXXX Prohibits charging for services not provided or misrepresenting service eligibility. 

Harm Experienced : I was charged for a service I was never able to use. Flex collected payment knowing that I was not eligible for continued service, which caused unnecessary financial harm. 

Requested Resolution : A full refund of the {$14.00} membership fee charged on XX/XX/year>. 
Written confirmation that no further charges will be made to my account. 
XXXX that Flex reviews and corrects its billing practices to prevent charging ineligible consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FirstCredit, Inc.
State: OH

Complaint narrative:
Never received anything in writing from the company also this is my official notification to cease and desist all communications immediately. Due to my complete and total XXXX and limited protected income I will never be paying or able to pay due to my hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: AZ

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a complaint against Experian, XXXX XXXX XXXX for failing to maintain accurate credit reporting, and against XXXX XXXX XXXX and XXXX XXXX XXXX for inaccurate reporting and collection activity. 

Unauthorized/Incorrect Inquiries My credit file reflects multiple inquiries I did not authorize, which remain on my reports and negatively impact my creditworthiness. These include : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), only inquiries initiated and authorized by me should appear on my credit report. 

XXXX XXXX XXXX XXXX XXXX ( {$3200.00} ) This account is being reported without validation of the debt. 

No signed contract or proof of assignment has been provided despite my requests. 

Reporting continues in violation of the FDCPA and FCRA. 

XXXX XXXX XXXX XXXX ( {$12000.00} ) This account is reporting a balance that is inaccurate and unverified. 

The derogatory status is damaging my credit file and does not reflect correct or updated information. 

Despite disputes, the bureaus continue to report this without proper validation.

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 2025-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/year> I received a fraud alert from Navy Federal regarding a charge they believed to be suspicious. I called Navy Federal within minutes and filed a claim for a pending charge of {$510.00} and informed the representatives that the charge for {$690.00} was also unauthorized. 

Provisional credit was provided to me and my card was deactivated.

On the same day I went to the NCFU location on XXXX XXXX to obtain a new card. 

A couple days later I called NFCU to inquire about any additional action that had been taken and was told the issue had been resolved and I should receive communication by mail informing me of the outcome. 

On XX/XX/year> I reviewed my account and noticed that the provisional credit was reversed on XX/XX/year> and when I called NFCU to inquire that told me that I could file an appeal but that was the only recourse I had. They were not able to provide me with an oral statement of the findings and I requested a copy of the initial investigation. To date I have not received a copy of the report requested. On XX/XX/year> I filed an appeal online and in person at the NFCU XXXX location. Additionally I filed a report with the XXXX XXXX XXXX XXXX. 
Case XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX It had been sixty days since I filed the initial claim on XX/XX/year>. 

Failed to conduct a reasonable investigation of my claim ( 1005.11 ( c ) ( 1 ) ).

Failed to provide a written explanation of findings and the right to request supporting documents ( 1005.11 ( d ) ).

Failed to honor consumer liability protections for unauthorized electronic fund transfers ( 1005.6 ).

Consumer Financial Protection Bureau guidance clearly states that financial institutions can not deny a claim without a reasonable investigation and must explain their determination in writing. Similar failures have resulted in enforcement actions, such as the CFPB 's consent orders against major financial institutions for mishandling Regulation E error resolution claims.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: TX

Complaint narrative:
I am in disagreement with these accounts listed below, which still appear on my credit report, even after your investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit score. Please see the attachment with the list ofnegativeitems.

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 2025-09-18 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 am reporting multiple fraudulent credit inquiries that appear on my credit report. These inquiries were not made by me, and I did not authorize anyone to apply for credit in my name. I believe these inquiries are the result of identity theft. 

The following inquiries are fraudulent and not associated with any accounts I requested or attempted to open : XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> I did not authorize these applications, and I have no knowledge of the individuals or entities responsible. I am requesting that these inquiries be removed from my credit file as they are inaccurate and the result of identity theft.

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 2025-09-18 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 reporting multiple fraudulent credit inquiries that appear on my credit report. These inquiries were not made by me, and I did not authorize anyone to apply for credit in my name. I believe these inquiries are the result of identity theft. 

The following inquiries are fraudulent and not associated with any accounts I requested or attempted to open : XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> I did not authorize these applications, and I have no knowledge of the individuals or entities responsible. I am requesting that these inquiries be removed from my credit file as they are inaccurate and the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Equifax, and Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, and over XXXX inquires that I did not authorize such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. 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 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.

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