vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-14 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: SC

Complaint narrative:
I am submitting this complaint to formally request the immediate blocking and deletion of fraudulent accounts appearing on my credit report, which were created using my personal information compromised in the Equifax data breach. Despite submitting a detailed dispute letter to the credit bureauincluding proof of identity theft, a list of unauthorized accounts, and personal identifiersthey have failed to take appropriate action within the timeframe required by the Fair Credit Reporting Act ( FCRA ) 1681c-2 ( a ). These fraudulent accounts continue to harm my credit profile and violate my rights under federal law. I am asking the CFPB to investigate this matter and compel the bureau to permanently remove the disputed items, provide written confirmation of the actions taken, and ensure full compliance with the FCRA and other applicable consumer protection statutes. This issue poses an ongoing threat to my financial security and demands urgent resolution. 

Account Name : XXXX XXXX, Account Number : XXXX, Account Name : XXXX, Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 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: WI

Complaint narrative:
I took out two federal student loans, one subsidized and one unsubsidized from Great Lakes and XXXX XXXX in XXXX for my XXXX XXXX XXXX at XXXX XXXX University. I already had a XXXX XXXX and had no student loans. Repayment started in XXXX. That was the that I was married and gave birth. I was divorced in XXXX due to XXXX XXXX  I struggled to make the payment a total of almost {$1600.00} a month. In XXXX my loans were transferred to XXXX who convinced me to consolidate so that I would have a more interest rate and only one loan although there was a consolidation I have continued to pay on the two separate loans accumulating interest. XXXX neglected to tell me that by consolidating loan, I would no longer be eligible for teacher, loan forgiveness which I would have qualified for less than nine months. Become consolidation loan is no longer available for any type of loan forgiveness even though I was employed as a full-time XXXX  in a title one school for my entire 25 years. Had me on a schedule of repayment, forbearance and deferment for the next eight years. My daughter had a very severe XXXX XXXX  that is not covered by any health insurance. She made a total of XXXX XXXX  attempts between the ages of XXXX and XXXX I applied for loan forgiveness due to hardship and was denied. Due to the medical bills, I filed for bankruptcy and again attempted to have my loans forgiven. I ended up defaulting and the phone was transferred to XXXX, and where I took part in the XXXX  program and after successful completion, I was placed on IDR working toward the 120 payments when the pandemic pause was in place. I XXXX  in XXXX and unbeknownst to me. Loan had been transferred to Nelnet, who had been unable to successfully reach me and by the time I receive their letter, they had me in default, then qualified for IDR and was in forbearance until it was approved. In the meantime, they have absolutely XXXX history of any payments. XXXX is not listed as my servicer therefore there is eight years of Student Loan History. I have contacted Nelnet XXXX, who could only provide me with the loan number under their service, but no history of payments and I have contacted XXXXXXXX XXXX XXXX  with no success. Submitted a complaint to ombudsman and they returned the exact same information that I already possess, which is strictly a listing of whether I was in repayment, deferment or forbearance during the life of my loan with no payment amount and eight years missing., my ID will be up again for renewal before XX/XX/XXXX when they expect me to make payments of {$680.00} a month. I have a minor child and I am on pension. I also qualify for XXXX and XXXX. The loan that I took out in XXXX for a total of {$31000.00} is now {$61000.00} more than 25 years later.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2025, a {$1000.00} charge from XXXX XXXX XXXX XXXX ( XXXX XXXX  ) was posted to my Capital One account. I disputed this charge immediately, on XX/XX/2025, because it was unauthorized. I also have a written note from the XXXX XXXX XXXX desk apologizing and acknowledging their billing mistake ( Exhibit B ), confirming the charge was not my fault. 

Under Regulation E ( 12 CFR 1005.11 ( c ) ( 2 ) ( i ) ), Capital One was required to issue a provisional credit within 10 business days of my dispute. They failed to do so. Instead, in their response to my prior CFPB complaint ( ID XXXX ), Capital One falsely claimed the {$1000.00} transaction was pending at the time of my dispute. This is incorrect, as my bank screenshot ( Exhibit A ) proves it was already posted on XX/XX/XXXX. 

In addition, Capital Ones response referenced a completely different {$640.00} pending transaction that has no connection to the {$1000.00} posted charge I disputed. This appears to be a deliberate attempt to misdirect the issue and avoid accountability. 

Despite my providing clear evidence and repeated explanations to multiple representatives, Capital One has not corrected the error or provided the provisional credit required by law. My funds remain withheld, and as a result I experienced financial hardship including being unable to pay for gas, food, and basic necessities. 

The merchant acted responsibly, admitted their error in writing, and tried to resolve it. Capital One is the only party that has refused to correct this mistake and has misrepresented the facts to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: GA

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
On XXXX XX/XX/XXXX, Citibank informed me via email that my bank account will be closed and the remaining $ XXXX will be returned to me by check. 
But I never heard from Citbank or received any mail/check since then. After that I waited for many months and made numerous calls with the customer service hotline, but no one was able to tell me why my money could not be returned to me. This month, on XXXX XX/XX/XXXX, I finally received a response from Citibank. They told me that they have determined that " the funds did not belong to me '' so they will not return it to me. 

My Citi case reference number is XXXX. My money comes from legit income and I had been using the same account for several years without any issue. It is absolutely shocking that Citibank will just randomly close my account and claim my money does not belong to me without any explanation.

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 2025-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Account : LVNV Funding LLC # XXXX I am unaware of this debt and was never given the opportunity to dispute this account under FDCPA Section 1692g. If you believe proper debt validation notice was sent, provide certified mail receipts with my signature as proof. If no proper notification was provided, this account must be deleted immediately from all credit reports or I will pursue legal action under 15 U.S.C. 1692g and 1692k for validation violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I no longer have access to my phone number or email that is on my Experian account.

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 2025-09-14 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: FL

Complaint narrative:
I am writing to formally request a review and removal of the negative information currently reported on my credit file. Given the recent data breach at TransUnion, I am concerned about the accuracy and integrity of the information on my credit report.

Due to this breach, there is a possibility that my personal and financial data may have been compromised or misrepresented. I respectfully ask that you investigate this matter and consider removing any negative entries that may have been affected or inaccurately reported as a result of this security incident.

Please let me know what documentation or further information is required from my side to support this request.

Thank you for your time and attention to this matter. I look forward to your prompt response.

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 2025-09-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Collection Management. Inc
State: OH

Complaint narrative:
My personal information is compromised. I became aware of this incident on or around XX/XX/year> when I noticed unrecognized transactions on my credit reports. An unknown person used my personal information to rent an apartment in my name XXXX XXXX XXXX  in XXXX, OH. This involved using my name, social security number and date of birth to secure this transaction. This event has heaped on me a financial burden of {$3600.00}. I have no knowledge of this transaction and that this information is inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Account Systems of Connecticut, Inc.
State: GA

Complaint narrative:
Account : Eastern Account System # XXXX I am unaware of this debt and was never given the opportunity to dispute this account under FDCPA Section 1692g. If you believe proper debt validation notice was sent, provide certified mail receipts with my signature as proof. If no proper notification was provided, this account must be deleted immediately from all credit reports or I will pursue legal action under 15 U.S.C. 1692g and 1692k for validation violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Reliant Capital Solutions, LLC
State: GA

Complaint narrative:
Reliant Capital Solution # XXXX I am unaware of this debt and was never given the opportunity to dispute this account under FDCPA Section 1692g. If you believe proper debt validation notice was sent, provide certified mail receipts with my signature as proof. If no proper notification was provided, this account must be deleted immediately from all credit reports or I will pursue legal action under 15 U.S.C. 1692g and 1692k for validation violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Klarna AB
State: OH

Complaint narrative:
My personal information is compromised. I became aware of this incident on or around XX/XX/year> when I noticed unrecognized transactions on my credit reports. An unknown person used my personal information to secure a line of credit with XXXX XXXX XXXX online services. The information is inaccurate. 

This involved using my name, social security number and date of birth to secure this transaction. This has left a heap of financial burden of {$890.00} for unrecognized transaction. I have no knowledge of this transaction and I do not know the person involved in this act. An offense report has been filed with the XXXX Police Department, Ohio.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: NY

Complaint narrative:
my name is XXXX XXXX XXXX and i was victim of identity theft i contacted you guys several times regarding this issues i signed up for affirm, i was victim of fraud i have a police report, ftc report and my lawyer is doing investigation with the PI. someone illegally used my information to acquire this loan in XX/XX/year> ive called you guys about the fraudulent loan and was told once u submit the charged off amount this illegal item would be deleted off my credit report and on XXXX XXXX at XXXX ive made a full payment with the collection company and you guys are refusing to do a thorough investigation may i please have the headquarters of affirm inc fax number and phone number for a manager so my lawyer could get in contact with you guys regarding an lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
my name is XXXX XXXX XXXX and i was victim of identity theft i contacted you guys several times regarding this issues i signed up for affirm, i was victim of fraud i have a police report, ftc report and my lawyer is doing investigation with the PI. someone illegally used my information to acquire this loan in XX/XX/year> ive called you guys about the fraudulent loan and was told once u submit the charged off amount this illegal item would be deleted off my credit report and on XXXX XXXX at XXXX ive made a full payment with the collection company and you guys are refusing to do a thorough investigation may i please have the headquarters of affirm inc fax number and phone number for a manager so my lawyer could get in contact with you guys regarding an lawsuit.

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 2025-09-14 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: MI

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: MT

Complaint narrative:
On XX/XX/year> XXXX from Onemain contacted my work. I received this email from my secretary. I am a XXXX  and this was unacceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} XXXX  - Account Number : XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$9500.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$25000.00} XXXX  CARD - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$26000.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$30000.00} XXXX  CARD - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6100.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: NC

Complaint narrative:
According to 15 USC 1681 my information can not be shared with no business entity or government. The data breach of XXXX from the United States has fringed upon my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
This complaint is against Paypal. I was told that the bank they use for checking accounts was XXXX.So my account was frozen because they were questioning deposits that I had. They wanted to know where they were coming from and wanted me to upload my id to confirm my identity. I uploaded all documents related to the deposits that were from a gaming platform I was playing called, XXXX. All the deposits in question were for under XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: NC

Complaint narrative:
I am submitting this complaint to formally request the immediate blocking and deletion of fraudulent accounts appearing on my credit report, which were created using my personal information compromised in the Equifax data breach. Despite submitting a detailed dispute letter to the credit bureauincluding proof of identity theft, a list of unauthorized accounts, and personal identifiersthey have failed to take appropriate action within the timeframe required by the Fair Credit Reporting Act ( FCRA ) 1681c-2 ( a ). These fraudulent accounts continue to harm my credit profile and violate my rights under federal law. I am asking the CFPB to investigate this matter and compel the bureau to permanently remove the disputed items, provide written confirmation of the actions taken, and ensure full compliance with the FCRA and other applicable consumer protection statutes. This issue poses an ongoing threat to my financial security and demands urgent resolution. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Account Name : XXXX, Account Number : XXXX

Company response to consumer: Closed with explanation