vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-28 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 am the victim of identity theft resulting from a data breach in which my personal identifying information was compromised and unlawfully accessed. As a result of this breach, unauthorized and fraudulent accounts and/or inquiries were reported on my consumer credit report without my knowledge, consent, or authorization.

I did not apply for, open, or benefit from these accounts. They do not represent a valid consumer obligation and are the direct result of identity theft following the data breach.

Despite notifying the credit reporting agencies and the furnishers of this fraudulent activity, the inaccurate information continues to be reported. This failure to promptly block and remove identity theftrelated information violates the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), including the requirement to ensure maximum possible accuracy and to block the reporting of information resulting from identity theft once properly notified.

Additionally, the improper handling and continued reporting of my compromised personal information reflects noncompliance with the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ), which requires financial institutions to safeguard consumer data and prevent unauthorized use following a data breach.

The continued reporting of this fraudulent information has caused substantial harm, including : Damage to my credit score Denial or increased cost of credit Emotional distress and extensive time spent correcting errors I am requesting that the CFPB require the credit reporting agencies and furnishers involved to : 1. Immediately remove all information resulting from the data breach and identity theft 2. Cease any further reporting of these fraudulent accounts or inquiries 3. Provide written confirmation of deletion and corrective action I am exercising my rights under federal consumer protection laws and respectfully request regulatory enforcement to ensure full compliance.

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 2025-12-28 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: LA

Complaint narrative:
I am the victim of identity theft resulting from a data breach in which my personal identifying information was compromised and unlawfully accessed. As a result of this breach, unauthorized and fraudulent accounts and/or inquiries were reported on my consumer credit report without my knowledge, consent, or authorization.

I did not apply for, open, or benefit from these accounts. They do not represent a valid consumer obligation and are the direct result of identity theft following the data breach.

Despite notifying the credit reporting agencies and the furnishers of this fraudulent activity, the inaccurate information continues to be reported. This failure to promptly block and remove identity theftrelated information violates the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), including the requirement to ensure maximum possible accuracy and to block the reporting of information resulting from identity theft once properly notified.

Additionally, the improper handling and continued reporting of my compromised personal information reflects noncompliance with the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ), which requires financial institutions to safeguard consumer data and prevent unauthorized use following a data breach.

The continued reporting of this fraudulent information has caused substantial harm, including : Damage to my credit score Denial or increased cost of credit Emotional distress and extensive time spent correcting errors I am requesting that the CFPB require the credit reporting agencies and furnishers involved to : 1. Immediately remove all information resulting from the data breach and identity theft 2. Cease any further reporting of these fraudulent accounts or inquiries 3. Provide written confirmation of deletion and corrective action I am exercising my rights under federal consumer protection laws and respectfully request regulatory enforcement to ensure full compliance.

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 2025-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: AZ

Complaint narrative:
Hello, my name is XXXX XXXX. Owner & operator of XXXX XXXX XXXX. I am reaching out as I believe I have figured out why my account was deactivated and what account activity may have been a violation. My wife, the mother of my daughter logged into the Cash App application on her phone and somehow my information became linked up with a personal account therefore creating two personal accounts even though I only have one. I was not given a reason as to why both my personal and business accounts were closed and have yet to be informed why or how to resolve the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: NJ

Complaint narrative:
Product : Student Loan Company : Nelnet Issue Type : Incorrect information on credit report / Billing & payment errors Consumer Role : Borrower Complaint Narrative My federal student loans serviced by Nelnet were forgiven in full effective XX/XX/XXXX under the U.S. Department of Educations Income-Driven Repayment ( IDR ) account adjustment, as confirmed in writing by Nelnet.

Despite this documented forgiveness : Nelnet is reporting a past-due balance of {$1600.00} on my credit report No loans are marked Paid in Full, Closed, or Discharged Nelnet has failed to clearly identify which specific loans were forgiven Accrued interest appears to have been improperly retained and reported after forgiveness For context : My original total balance was approximately {$42000.00} In XX/XX/XXXX, the balance dropped to approximately {$30000.00} Nelnets forgiveness notice reflects approximately {$14000.00} forgiven The remaining reported past-due amount does not reconcile with the forgiveness determination Nelnets written notice states that my loans were forgiven in full and that they have notified or will notify all national credit bureaus. Continued reporting of a past-due balance after the effective forgiveness date is factually inaccurate and is causing ongoing credit harm.

I have formally disputed this matter with Nelnet and the credit bureaus and provided documentation of forgiveness. Nelnet has not corrected the account or provided a loan-level reconciliation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I reported an unauthorized transaction of approximately {$4000.00} on my XXXX XXXX account issued by Comenity Bank. I fully cooperated with their investigation, and Comenity initially issued provisional credit, acknowledging the validity of my dispute. 

Later, without providing any written explanation or supporting documentation, Comenity reversed the provisional credit and treated the charge as valid. On or about XX/XX/year>, Comenity informed the CFPB that the fraud investigation had been reopened.

Despite this representation, Comenity continued to report the disputed balance to credit bureaus, restricted my account, and increased my reported utilization to over 86 %. I also received prompts encouraging additional borrowing, even though the balance was under active dispute. 

Comenitys actions directly contradict its statements to the CFPB and violate federal consumer protection laws, including the Fair Credit Billing Act ( FCBA ), Regulation Z, and the Fair Credit Reporting Act ( FCRA ). Reporting disputed information during an active investigation caused financial harm and damage to my credit profile. 

I have repeatedly attempted to resolve this matter in good faith, but Comenity continues to report inaccurate information and has failed to provide a lawful written determination or documentation supporting its actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
While having the CareCredit account, I lost my job due to work reduction. When payment was due, I contacted CareCredit to provide that my income had changed. At the time I asked about the insurance / security protection fee that was on my monthly statement. Per customer service, it reduced monthly payments for a short time. But I was still unable to make the payments. SynchronyXXXX XXXX XXXX is not are acknowledging the Security Protection that was apart of the account. I asked why the XXXX XXXX is not allowed. CareCredit account has moved the account to XXXX XXXX, which they are attempting to collect the debt. The Payment Security program states it is for major life events i.e. involuntary job loss, XXXX. My life events was involuntary job loss. I paid for the program but it is not being used.

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 2025-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: NY

Complaint narrative:
I opened a U.S. Bank Business Essentials Checking account on XX/XX/year> under a regular U.S. Bank business checking promotion that offered a {$400.00} bonus for meeting the required conditions. 

Per the published terms, I deposited more than {$5000.00} in new money within 30 days of opening and maintained the required daily balance through XXXX XXXX. Specifically, I deposited {$5100.00} by XX/XX/year>XXXX  and maintained at least this balance through XX/XX/year>. 

I also completed the required number of qualifying transactions ( XXXX XXXX XXXX transactions ) within the required period. 

Despite fulfilling all requirements, U.S. Bank has not awarded the promotional bonus. I have never had a U.S. Bank business checking account before and fully qualify under the new business checking customer requirement. 

Unfortunately, I could not locate the original promotion copy due to the time elapsed ; however, this was a recurring standard quarterly U.S. Bank XXXX Checking promotion. The latest public version of the same recurring promotion ( with updated promo code and opening window ) contains identical terms and reflects the same qualification requirements that I fulfilled. 

I am requesting CFPB assistance to have U.S. Bank honor their advertised promotion and award the business checking bonus as promised. 

Please note that I do not have a copy of the original promotion page due to the time elapsed, but this was a standard recurring U.S. Bank quarterly Business Checking bonus promotion with the same structure as the currently published version. U.S. Bank should be able to verify the exact promotion tied to my account using their internal systems. 

My last four digits of the business checking account number : XXXX XXXX email at US Bank : 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 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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:
XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-12-28 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: CA

Complaint narrative:
I am filing this complaint against TransUnion for ongoing violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 

I disputed multiple negative accounts on my credit report that are inaccurate, incomplete, misleading, re-aged, or unverifiable. Despite my disputes, the bureau either failed to delete the accounts or claims they were verified without providing legally required proof. 

The disputed accounts include collection accounts, charged-off accounts, and revolving tradelines that are being reported with missing original creditor information, improper balances after charge-off, excessive or continuous delinquency reporting, and NR placeholders instead of actual payment history. 

The credit bureau is violating the following provisions of the Fair Credit Reporting Act : 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) ( 1 ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681i ( a ) ( 5 ) Failure to delete unverifiable or inaccurate information 15 U.S.C. 1681s-2 ( a ) Reporting information that is inaccurate or misleading XXXX XXXX appears to rely on automated e-OSCAR responses rather than conducting a lawful, reasonable investigation using original account-level documentation.

The report includes, but is not limited to : Collection accounts reported without identifying the original creditor Duplicate collection reporting by debt buyers ( e.g., XXXX, XXXX, XXXX ) Charged-off accounts continuing to report balances and monthly delinquencies Re-aging of accounts by updating Date Reported instead of using the true Date of First Delinquency NR ( No Rating ) placeholders used in place of actual payment history, which is misleading and violates Metro 2 reporting standards Balances exceeding original credit limits, creating false over-limit status These inaccuracies are materially damaging my credit profile and are not compliant with federal law.

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 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
This situation has completely turned my life upside down. I discovered someone used my information to open accounts and damage my credit, and its been an emotional and financial nightmare. Every time I try to explain to the credit bureaus or the companies involved, Im met with silence or excuses. Im not just a number Im a real person trying to recover from something I didnt cause. Please help me get these fraudulent items removed so I can rebuild my life and protect my future.

I'm writing because my identity has been stolen, and it has caused me more stress than I could have ever imagined. Ive worked hard to build my credit and protect my name, but now Im being held responsible for accounts and debts that arent mine. Ive done everything I can to prove my innocence, but I feel like Im being ignored by the companies reporting this false information. I just want my name cleared and my peace of mind back. No one should have to fight this hard to be seen as themselves 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 explanation
Consumer complaint received 2025-12-28 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:
A credit account from XXXX XXXX XXXX ( Account No. XXXX ) was deleted from my credit report in XX/XX/year> and later reinserted in or around XXXXXXXX XXXX by XXXX XXXX Equifax. I did not receive any written notice of this reinsertion. 

On XX/XX/year>, I sent a written reinsertion demand letter requesting the certification of accuracy, the furnishers full name, address, and telephone number, and proof that the required five-day written reinsertion notice was provided. As of XX/XX/year>, I have received no written response or reinsertion notice. 

The only update available to me was a verified status displayed in the online dispute portal, which does not satisfy the Fair Credit Reporting Acts requirement for written notice. 

Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), a consumer reporting agency must obtain a certification of accuracy and notify the consumer in writing within five ( 5 ) business days of reinsertion, including the furnishers identifying contact information. None of these required disclosures were provided. 

Because these statutory requirements were not met, the reinsertion is unlawful. I am requesting immediate deletion of the XXXX XXXX XXXX account ( Account No. XXXX ) and full compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/2025 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX XX/XX/2025 I am writing in response to a debt listed on my credit report that your company claims I owe. This letter serves as a formal request for validation of this alleged debt pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act.

I dispute the validity of this debt and request that you provide the following documentation : 1. Proof that I am legally obligated to pay the debt 2. The amount of the debt, including an itemized breakdown of any interest, fees, or charges 3. The name and address of the original creditor 4. Copies of any contracts or agreements bearing my signature 5. Proof that your company has the legal authority to collect this debt 6. Proof that this debt has been accurately reported to the credit bureaus Until you provide the requested validation, you must cease all collection activity and refrain from reporting or continuing to report this account to any credit reporting agency. If this debt has already been reported, please note that failure to validate requires its immediate removal from my credit report. 

If you can not provide proper validation, I request that this account be removed from my credit file and that I receive written confirmation of such removal. 

Please respond within the time frame required by law. Thank you for your prompt attention to this matter. 

Sincerely, 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