vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am extremely frustrated by the continued presence of false information on my TransUnion credit report. These are not minor clerical mistakesthey are serious reporting failures that are damaging my financial credibility and blocking access to opportunities. Despite previous disputes, these inaccuracies remain unresolved, which shows a blatant disregard for maintaining accurate consumer data.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fully accurate and verified. If TransUnion can not provide clear, irrefutable documentation to support the reported information, it must be removed without delay. Im not askingIm demanding full compliance with federal law. Continued inaction will be treated as willful negligence. 

The following dispute items are inaccurate and must be addressed immediately : Inquiry ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-04-17 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: MO

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 2025-04-17 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: MS

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 non-monetary relief
Consumer complaint received 2025-04-17 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: NY

Complaint narrative:
In XX/XX/year>, I became aware that I was a victim of identity theft. Unauthorized accounts were fraudulently opened in my name without my knowledge or consent. I discovered these fraudulent accounts after reviewing my credit report. In accordance with the Fair Credit Reporting Act, 15 U.S. Code 1681c-2 ( FCRA 605B ), I am exercising my right to request the immediate blocking of all fraudulent accounts that were opened in my name due to identity theft. The following companies show accounts that I did not open : XXXX XXXX XXXX. Account # XXXX, XXXX XXXX XXXX Account # XXXX and XXXX XXXX Account # 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 2025-04-17 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: LA

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 2025-04-17 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company 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 2025-04-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: RI

Complaint narrative:
I spoke with a representative on the phone this morning XX/XX/XXXX at XXXX on the matter, but wanted to send a message as well using my own words and providing some documentation. 

I moved states and had two different addresses in the past couple years. I attempted to access my NelNet account several times last year online throughout the year to update my moving information, but the NelNet online account system was down for several months at least ( in hindsight, I recognize that I should've taken screenshots every time I attempted access ). I was also a XXXX XXXX up until XXXX of XXXX, which for months after graduating, I made multiple attempts to re-access my account for updating contact information and also to see the status of restarting loan payments.There are several internet forms online that show hundreds of other individuals experiencing the same difficulties accessing their online account. 
I had also previously set up a monthly payment plan with my student loans before they were paused. I had the same bank account, so I assumed whenever they restarted it would be withdrawn from my account as before. For some reason, they were canceled and therefore did not realize this either. When I could finally access my online account, I realize Nelnet notified me via account inbox and mailing, however due to address changes and no access to the online account system, once again since the online system was down, I never received this notice. 

I understand it is fully my responsibility to update contact information and to make timely payments for my loan account. I fully intend to abide by this loan policy, and otherwise have near excellent payment history with creditors ( attached credit report ) with the rare exception of an automatic payment hiccup- however, I'll always immediately fix the issue the moment I become aware of it. Upon discovering this mishap, I immediately made a payment to put my account current and re-set up automatic monthly payment plans. This will not be an issue going forward. 

I am currently in the process of searching for an apartment again, and I do not have a support system where I am, so I am heavily reliant on utilizing my credit score to find affordable housing for myself ( I have two pets which make it more complicated without good credit ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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 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 explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Atlanticus Services Corporation
State: TN

Complaint narrative:
I was charged {$220.00} on XX/XX/year>, by a merchant for a service and a special-order item that was never delivered. The merchant has not responded to multiple follow-ups. I contacted my credit card issuer ( Imagine, a XXXX card ) to dispute the charge within 120 days of the expected delivery date. They refused to initiate a dispute, stating they dont allow it, even though Visa policy supports disputes in cases of undelivered goods. I have documentation and evidence of my attempts to resolve this, and I am seeking a refund.

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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On or around XX/XX/year>, I received notice that XXXX XXXX XXXX XXXXXXXX reported a " major derogatory '' event ( 90 days past due ) to Experian regarding my mortgage account # XXXX. This is inaccurate and damaging. I was in a formal trial mortgage modification plan and have made all payments as agreed. I also submitted a fully executed permanent modification agreement via legal counsel and made a post-trial payment. XXXX has no legal basis to report this account as delinquent under the Fair Credit Reporting Act ( FCRA ) and Regulation X of RESPA, which prohibits adverse reporting when a borrower is performing under a trial or permanent modification. I have sent XXXX a Notice of Error and dispute. I am requesting CFPB assistance in compelling 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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On or around XX/XX/year>, I received notice that XXXX XXXX XXXX XXXXXXXX reported a " major derogatory '' event ( 90 days past due ) to XXXX  regarding my mortgage account # XXXX. This is inaccurate and damaging. I was in a formal trial mortgage modification plan and have made all payments as agreed. I also submitted a fully executed permanent modification agreement via legal counsel and made a post-trial payment. XXXX has no legal basis to report this account as delinquent under the Fair Credit Reporting Act ( FCRA ) and Regulation X of RESPA, which prohibits adverse reporting when a borrower is performing under a trial or permanent modification. I have sent XXXX a Notice of Error and dispute. I am requesting CFPB assistance in compelling XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted.

Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to block and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : ALDOUS XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Balance : {$150.00} Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT 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 2025-04-17 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CIBC BANCORP USA INC.
State: OH

Complaint narrative:
I have held an account with CIBC USA for about XXXX years. 

In the last six months I have had to change my contact details and this institution, relies on an identity verification program with XXXX XXXX XXXX. For some unknown reason, this verification system is coming up blank for me. I do not exist in its data base. 

I have reached out to the institution, to attempt to update my information another way and I am refused service, due to the issue with XXXX XXXX. 

CIBC USA is being extremely over zealous and draconian in their requirements of clients. 

I have even spoken to a Supervisor ( XXXX ) who remembers speaking to me years ago. Yet, I can not get anything accomplished. 

I have lost access to my Telephone Number and E-Mail address recently. In addition to this, I have relocated from XXXX to XXXX XXXX, about one month ago. 

I can provide this bank the following : Name, Date of Birth, former Address, former e-Mail, former Phone Number, Security Answer on the account, approximate date and amount of last deposit, approximate account balance, Debit Card Number, Passport Scan, Scan of XXXX XXXX ID showing previous address. 

Why is all this information and the fact that a Supervisor remembers speaking to me, not sufficient to update my information?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: EdFinancial Services
State: NH

Complaint narrative:
Hi, on XX/XX/year>, I submitted a {$6200.00} payment to Edfinancial, and today, XX/XX/year>, it went from pending to not existing at all. I checked my previous payments, and it looks like they have been reversing multiple payments since XXXX or have had no proof of payments whatsoever for some months. I pay my student loans every month. If I do miss a payment ( which is rare ), I pay the interest that accrued. Due to these " missed payments, '' my credit score went from XXXX to XXXX. 
I had called on XX/XX/year>, asking about why the most recent payment I had made was not showing up after being shown as processing for the past few days. I was told that no planned payments were showing on the representative 's end. This is odd since I had the confirmation number. A few days before, on XX/XX/year>, I had called to inquire why my credit score was so low and if there was anything they could do to fix it. I was told it was a problem with my bank, and there was nothing they could do about my credit score.

I just don't understand why it is so difficult to make a payment with this service. I pay on time, never get told that my payment has been reversed or if it even falls off the face of the Earth.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/year> - my brother, who lives in XXXX XXXX, XXXX. Through his company transfer $ XXXX to my personal account aXXXX XXXX XXXX XXXXXXXX XXXX 

The intermediary bank for this international wire is Wells Fargo. 

Today, XXXX XXXX - XXXX business day later. They have not release the money to me, or return the money to the sender. 

I have call ( XXXX different occasions - spend hours of my time ) and met with the Regional Banking XXXX - XXXX XXXX XXXX at the XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX # XXXX Every time I have a call. They are evasive making excuses that the sender has to be on the line. When I get the sender on the line, say that they cant talk to more that XXXX person at the time. 

After XXXX minutes they just hang up. 

They have no supply reason for holding the money since XX/XX/year>. 

No communication to the sender or me. 

I cant believe that they can get away with this 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