vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-15 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-03-15 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: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
I am filing this formal complaint against Citizens Bank for fraudulent and inaccurate reporting of an auto loan account that I did not authorize, open, or have any association with. Despite disputing this account, Citizens Bank has failed to provide legally required proof that I am responsible for this debt, violating my rights under multiple federal laws. 

Details of the Fraudulent Account : Creditor : Citizens Bank Account Type : Installment Auto Loan Date Opened : XX/XX/XXXX Balance : {$17000.00} Payment Status : Collection/Chargeoff Last Reported Date : XX/XX/XXXX Violations Committed by Citizens Bank & Legal Grounds for My Complaint : 1. Failure to Verify the Debt Violation of FCRA & FDCPA Under 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act ( FCRA ), Citizens Bank is required to conduct a reasonable investigation and provide verifiable proof when an account is disputed. 
Despite my formal dispute, Citizens Bank has failed to produce a signed contract or any legitimate documentation linking me to this account yet continues to furnish this inaccurate information to credit bureaus. 
Under 15 U.S.C. 1692e of the Fair Debt Collection Practices Act ( FDCPA ), creditors can not report false or misleading information regarding debts. Citizens Banks continued reporting of this fraudulent account without verification constitutes deceptive and unlawful debt collection practices.

2. Failure to Ensure Maximum Possible Accuracy FCRA Violation Under 15 U.S.C. 1681e ( b ), Citizens Bank and credit bureaus are required to maintain the maximum possible accuracy of information in consumer credit reports.

Reporting an account that does not belong to me without proof of my consent is a clear violation of this requirement.

3. Potential Identity Theft Consideration FCRA Violation Under 15 U.S.C. 1681c-2 ( a ), consumers have the right to block fraudulent or unauthorized accounts.

Since this account does not belong to me, any failure by Citizens Bank to remove this account immediately would be a direct violation of federal consumer protection laws.

4. Unfair and Deceptive Practices CFPB UDAAP Violation Citizens Banks failure to verify this debt and continued reporting of an unauthorized account constitutes an unfair, deceptive, or abusive act or practice ( UDAAP ) under 12 U.S.C. 5531.

This practice harms me financially and violates my consumer rights by affecting my credit score and ability to obtain financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: TX

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: Self Financial Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX
Self/XXXX XXXXXXXX XXXX XXXX
No proper investigation done

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: IL

Complaint narrative:
I spoke to Discover in XXXX and asked them how much owed on an interest free balance transfer that was expiring. I paid the {$1800.00} amount but it was applied in such a way that still caused me to accrue interest. I then paid more than the minimum amount in XXXX to account for any residual balance and again they failed to apply it to the interest accruing balance. Today on XX/XX/XXXX, I asked discover to address why my payments were not being applied correctly and they refused to research the problem and provide generic statements about payment application instead. Ive shared with them where the information I received was wrong and where the application of payments has been wrong and they are not addressing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Recently checking my consumer report I noticed that I've been a victim of identity theft and found a credit inquiry that I have no knowledge of listed under : XXXX XXXX XX/XX/2025. I recently disputed this item and recieved no alerts in the companies portal that alerted me a dispute was open so I'm readdressing the problem its been almost 30 days with no update. Please remove this fraudulent item. You will also find my identity theft report this scenario is hindering my financial standing...

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 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: FL

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies are super stressful and are affecting my ability to secure new credit. Ive worked hard to build my credit, and its just frustrating to see it impacted by errors that arent even my fault. I'm really worried and want this resolved as soon as possible because I dont want to wait for any more damage to be done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 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: TX

Complaint narrative:
I found the XXXX in my online account that reported {$0.00} interest paid for XXXX. I knew this was incorrect, as I have a record of XXXX payments totaling {$5900.00} in interest paid in XXXX. I reached out to NelNet ( the loan servicer ) on XX/XX/XXXX, and received XXXX different answers : XXXX ) I did not pay any interest in XXXX, XXXX ) I only paid {$410.00}, and XXXX ) I paid {$13000.00} in interest. 

I received a letter in XX/XX/XXXX saying that based on a lawsuit, my loans would be forgiven and payments refunded. I was told not to make any more payments. I continued to make payments as I could see the interest continuing to accrue. I don't see how interest can be accrued on money not owed. To date, I have not received forgiveness or a refund. 

As the servicer attempts to calculate my refund/forgiveness, the online account has waivered between much more than I ever owed and back to what I had owed before receiving the letter. I find all of these items abusive and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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 recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Nelnet, Inc.
State: CT

Complaint narrative:
My personal information was compromised by the government DOGE I did not consent to my information being used or did I consent to my social security number viewed without my consent. I have the right to privacy and the right to not have my information used for purposes that I do not consent to. This is totally against the law and should not be allowed!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: PA

Complaint narrative:
My personal and financial information was accessed, without my knowledge or permission by XXXX. and/or employees of such. This constitutes a breach of contract pursuant to the original agreements and as such renders the loan no longer valid. This alone should automatically cancel my loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: AZ

Complaint narrative:
Unauthorized Access to XXXX XXXX XXXX XXXX XXXX XXXX for Loan Forgiveness XXXX. Summary of the Issue : On XX/XX/XXXX, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX under the direction of XXXX XXXX, gained unauthorized access to the Department of Educations Federal Student Aid ( FSA ) database, which contains personal and financial information of millions of borrowers, including myself. 

This access occurred without my consent, and I was never notified by the Department of Education about this breach. The compromised data includes : Social Security numbers Bank account numbers Drivers license numbers Tax returns Dates of birth Marital status Immigration status Home addresses Employment and income details This breach of privacy and security puts me at serious risk of identity theft, financial fraud, and misuse of my sensitive personal information. 

2. How This Affects Me Personally : My financial security is now at risk due to the exposure of my Social Security number, banking information, and tax data.

I did not consent to my financial records being accessed by unauthorized personnel.

The Department of Education failed to uphold its responsibility to protect student borrowers data.

I face potential long-term financial harm, including fraudulent activity affecting my credit.

3. Legal & Regulatory Violations : This unauthorized access constitutes clear violations of federal law, including : The Privacy Act of 1974, which prohibits government agencies from sharing personal data without consent.

The Computer Fraud and Abuse Act ( CFAA ), which criminalizes unauthorized access to government databases.

The Fair Credit Reporting Act ( FCRA ), which mandates the protection of consumer financial data.

Unfair and deceptive practices under the XXXX XXXX, which the CFPB has jurisdiction to regulate. 


Evidence : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: VA

Complaint narrative:
My credit score with Equifax was XXXX, and as of a few days ago, it was XXXX. This is because XXXX reported me delinquent and late for a closed account that is over XXXX years old and needs to be deleted and removed from my Equifax credit report ASAP. What is going on is XXXX, like other creditors are changing the dates, etc., to keep these items on my credit report longer than they are supposed to be. This is illegal, and I am not standing for it anymore until this information is removed from credit report once and for all.

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 2025-03-15 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: VA

Complaint narrative:
My credit score with Equifax was XXXX, and as of a few days ago, it was XXXX. This is because XXXX reported me delinquent and late for a closed account that is over XXXX years old and needs to be deleted and removed from my Equifax credit report ASAP. What is going on is XXXX, like other creditors are changing the dates, etc., to keep these items on my credit report longer than they are supposed to be. This is illegal, and I am not standing for it anymore until this information is removed from credit report once and for all.

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 2025-03-15 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: TX

Complaint narrative:
Experian is not updating my account information, accurately. I have requested multiple times over the last 2 years to have an old address and I haven't lived at in over XXXX and number i haven't owned in over XXXX removed from my information. This information has been updated with other reporting agencies a long time ago with no problem, which is why i initially contacted Experian to do the same.They 're reason is the address is tied to an old account that has been paid off and closed for XXXX now, the acct even shows as closed, but they refuse to update it.

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 2025-03-15 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: KS

Complaint narrative:
This account is Identity theft, XXXX has been informed multiple times. XXXX has misled in regards of the fraud/identity theft process, documentation proving identity theft was provided multiple times and also sent via mailed format. My name is NOT XXXX XXXX, I am NOT and never have been associated to XXXX, my address is NOT XXXX XXXX XXXX XXXX XXXX XXXX I have never been associated to said address. I have NEVER used XXXX  services, I have NEVER inquired in regards of XXXX  services. 
This is discrimination and misleading on XXXX  part, I am now being harassed by XXXX, Representatives have failed to resolve correctly. I have been more than cooperative, providing every document requested by XXXX yet they have not marked this as fraud, leaving the possibility open for whoever stole my social and committed this atrocity to potentially reuse their services, unacceptable. This is Negligent and XXXX needs to be stopped. XXXX is to delete this from my credit. 

By law, 15 USC 1681i I am requesting a re-investigation Additionally Law 18 USC 1028A

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 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: NJ

Complaint narrative:
I have several federal student loans via XXXX that were in good standing as of XX/XX/XXXX. Initially, the account was correctly marked as closed on their credit report. However, in XX/XX/XXXX, XXXX had changed the status of the account to open and marked it as past due, despite no payments being late or owed. 

XXXX 's error has had a significant impact on my credit score, I immediately contacted XXXX customer service. I made multiple attempts to resolve the issue : They called customer service several times and were repeatedly told the matter was under review. 
They submitted a formal dispute through both XXXX and the credit bureaus, providing documentation showing the loan was in current and or paid in full. 
After receiving no resolution, they escalated the issue by trying to speak with a " supervisor '', who assured them it would be corrected but the incorrect reporting remains

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 2025-03-15 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 


Account Name : XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief