vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-02 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: AZ

Complaint narrative:
Dear TransUnion, I am writing to formally dispute fraudulent credit inquiries that appear on my credit report. These inquiries were not authorized by me, and I request that they be removed from my credit file immediately pursuant to the Fair Credit Reporting Act ( FCRA ). 
The unauthorized inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I did not authorize these companies to access my credit file, nor did I apply for any credit or accounts with them. These inquiries are the result of fraudulent activity and are negatively impacting my credit profile. 
Please investigate these inquiries and remove them from my credit report. Enclosed are copies of my identification documents ( drivers license, Social Security card, and a recent utility bill ) for verification purposes. 
I respectfully request written confirmation once these fraudulent inquiries have been deleted. 
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
Consumer complaint received 2025-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
To Whom It May Concern : I am filing this complaint against Capital One regarding my XXXX account ending in XXXX, which was wrongfully charged off due to a system error and unfair servicing practices. 

Summary of the Issue : On XX/XX/year>, I contacted Capital One regarding issues with my account. I made at least XXXX separate calls, during which each agent I spoke with acknowledged that there was a system glitch affecting my account. 
Specifically, the glitch prevented my payment from being properly entered into the system, even though I made every effort to pay on time. 
Despite being assured the matter was caused by Capital Ones system, I paid {$190.00} in good faith to ensure my account remained current.

In addition, I attempted to request hardship assistance after being let go due to federal budget cuts, but Capital Ones decisions are entirely system generated, and the repayment amounts produced were not sustainable given my circumstances. 
Nevertheless, my account was later reported as charged off, which is both inaccurate and damaging to my credit. 

Why This is Improper : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, furnishers of information must not report inaccurate information to credit reporting agencies. 
Under the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666, consumers have the right to dispute billing errors and creditors must correct them. 
Capital One also has an obligation under CFPB guidance on unfair, deceptive, or abusive acts or practices ( XXXX ) to offer fair servicing options, especially when accounts are affected by system errors or when consumers request assistance due to hardship. 
Additionally, under Regulation Z ( 12 CFR 1026.13 ), a system-generated error such as the failure to properly credit a payment qualifies as a billing error requiring correction. Creditors may not impose charges during the resolution of such errors and must promptly correct the consumers account. 

Resolution Requested : XXXX. Remove the wrongful charge-off and restore my account to Capital One. 
XXXX. Correct all credit bureau reporting ( XXXX XXXX XXXX XXXX ) to remove any derogatory entry related to this error. 
XXXX. Provide written confirmation that the account has been corrected. 

I respectfully request the CFPBs assistance to ensure Capital One complies with its legal obligations and corrects this wrongful reporting. 

Thank you for your attention. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: TX

Complaint narrative:
In reviewing my credit report, I identified an unauthorized hard inquiry. This entry does not reflect my activity and compromises the accuracy of my report.

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 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: VA

Complaint narrative:
I am an XXXX XXXXXXXX XXXX XXXX and had been XXXX on an operational warship overseas until XX/XX/XXXX. While I was back in the U.S. well before the late payments were reported, there was no clear or direct communication from Nelnet or the Department of Education that repayment was resuming after COVID forbearance. 

I was under the impression my loans were still in deferment or forbearance, as they had been for years. Once I realized repayment had resumed in XX/XX/XXXX I immediately brought my accounts current and have made every payment on time since. 

I called Nelnet in good faith to request a goodwill adjustment, and they denied my request without offering any solution. These late marks have caused disproportionate damage to my credit. Im requesting a goodwill removal or CFPB review of whether this reporting was fairly and clearly communicated to borrowers, especially those coming off long-term forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: 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 XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
I requested the original document ( s ) showing the debt amount along with the document to tie the debt to me. They stated a judgement was rendered against without any court documents showing when I failed to appear ( no paperwork, time or datewas provided/received ). The original document used that they provided had my name but not my correct address that the original creditor had processed for the original loan. Company has overdrawn my bank accounts on two separate occasions. The first garnishment request was completed on XX/XX/XXXX for the amount of $ XXXXwhich did not match the amount stated owed ). This placed my account ( s ) in the negative by that amount for both accounts. Also recently as of Friday, XX/XX/XXXX for a garnishment in the amount of {$18000.00} for each of my bank accounts placing both accounts in the negative for the {$18000.00} ( on both of my accounts ). Which has caused major issues regarding my finances and direct withdrawals from my banks accounts. Such a huge issue and disregard for timing, the beginning of the month in addition to the federal holiday without any form of notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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:
I am writing to dispute certain fraudulent information that appears on my credit file. Pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act, I am requesting that you immediately block the reporting of all information resulting from identity theft. 
I have been a victim of identity theft, as documented in the attached FTC Identity Theft Report ( Report # XXXX ). Under federal law, you are required to block and remove all fraudulent information from my credit file once you receive this request, my identity theft report, and proof of my identity. 
Fraudulent Accounts to Be Blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Fraudulent balance : {$350.00} ( Opened XX/XX/XXXX ) These accounts were not opened by me, nor did I authorize them. They are the direct result of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute certain fraudulent information that appears on my credit file. Pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act, I am requesting that you immediately block the reporting of all information resulting from identity theft. 
I have been a victim of identity theft, as documented in the attached FTC Identity Theft Report ( Report # XXXX ). Under federal law, you are required to block and remove all fraudulent information from my credit file once you receive this request, my identity theft report, and proof of my identity. 
Fraudulent Accounts to Be Blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Fraudulent balance : {$350.00} ( Opened XX/XX/XXXX ) These accounts were not opened by me, nor did I authorize them. They are the direct result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EdFinancial Services
State: GA

Complaint narrative:
Edfinancial Services is reporting a federal student loan account on my credit reports that is inaccurate. The account shows derogatory information that I dispute as incorrect. I never authorized or received this loan, yet it continues to appear as if I am responsible for it. The information being reported is misleading and damaging to my credit. Edfinancial has also been cited by regulators for servicing failures, which raises further concerns about the reliability of their reporting. I have already disputed this account with the credit bureaus, but the furnisher has failed to provide documentation validating the accuracy of this debt. Under the Fair Credit Reporting Act ( FCRA ), only accurate and verifiable information should be reported.I request that the CFPB investigate and require Edfinancial to either fully validate this account with proper documentation or delete it from all credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-09-03 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: DISCOVER BANK
State: GA

Complaint narrative:
I contacted the actual company " XXXX XXXXy '' ( the legitimate business ), and they informed me that they are not affiliated with the fraudulent website ( XXXX ) that took my payment. They confirmed they could not help and that this appears to be a scam impersonating their brand. 
I also contacted Discover Bank to dispute the charge, and they denied my claim under Regulation E, stating that because I authorized the payment, they would not issue a refund even though I never received the product and the website was a scam. 
Im asking for help because I was defrauded and left without support from the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank has blocked or restricted my account multiple times over 4 years. Citibank claims a " KYC Specialist '' needs info to verify my identity. They are often closed as by XXXX XXXX XXXX XXXX and all weekend, they can't help you. Then, when you do reach someone, you are simply asked if you " information '' like address or phone number has changed. Mine has not. They say, " all good '' and often apologize but say it will be addressed. They are a total unorganized mess. 

I have had to go into branches multiple times as directed over the phone, only to find branch staff unable to resolve the issue. 

And virtually all the calls to resolve are with overseas call centers, which is a painful and slow process give the language difficulties.

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 2025-09-03 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I applied to for deferred payments on XXXX XXXX. When I applied said I was approved and they declined the purchase on XXXX XXXX. Then I find out by calling that the they have issues both from XXXX XXXX and Paypal Credit and this is a known problem now I have an account that was closed within minutes and inquiry they will not remove due to the know issue. XXXX states they have nothing they will send me and have written authorization.

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 2025-09-02 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MS

Complaint narrative:
as of XXXX XXXX I've tried disputing an amount of {$5000.00}, it is a debt collection that was created without my knowledge, I've tried everything to get this of my credit and nothing work.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: TX

Complaint narrative:
I believe these accounts are fraudulent, as I have no knowledge of them. Please investigate immediately and delete them from my report. Documents are enclosed.

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 2025-09-03 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  MD XXXXExperian XXXX XXXX XXXX TX XXXXSubject: Follow-Up  Request to Block and Delete Fraudulent Accounts  Identity\nTheft Victim\n\nDear Experian Consumer Services,\nI am following up again regarding my previous request to block and delete fraudulent accounts and information related to my identity under the Fair Credit Reporting Act (FCRA), specifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft because of the Experian data breach, and unauthorized accounts have been fraudulently opened in my name.\n\nThe fraudulent accounts that I have identified on my credit report are as follows:\n1. XXXX XXXX XXXXXXXXUnder 15 U.S.C.  1681c-2(a), I request that Experian promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profile.\n\nFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes.\n\nIf you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above.\n\nThank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activity.XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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:
XXXX ( Account # XXXX ) Opened XX/XX/XXXX in the amount of {$12000.00} I have reported this account for false usage back in XXXX of XXXX. I've had a credit block on prior to this account being opened.

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 2025-09-02 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bridgecrest Acceptance Corporation
State: CO

Complaint narrative:
I purchased a car through XXXX and a loan was entered for the purchase but they did not apply my trade in toward the purchase price. My loan is through Bridgcrest. They also charged me the cost of tags and registration into the loan but I had to go to the dmv and pay out of pocket after waiting months for tags they said they were going to mail. So I was double charged registration and taxes for the original registration and plating of the vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: NV

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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