vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am a victim of identity theft, and my personal information was exposed in a national data breach. I am contacting you regarding fraudulent accounts that have been reported on my credit report. I won case in court as shown in documents Under the authority of XXXX U.S. Code XXXX, I am formally requesting that you block and remove from my credit report all information that resulted from this identity theft, including any fraudulent accounts, inquiries, or collections that do not belong to me. 

XXXX XXXX account number : XXXX XXXX XXXX XXXX  BANK account number : XXXX XXXX  XXXX account number : 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 2025-08-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Someone tried to open a credit account under my name and with my information. I got a credit alert from XXXX  about this, and I called the bank, Capital One. I am not a current or former customer of Capital One. They confirmed someone was in the process of opening an account under my name. I asked them to reject the application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I am disputing the inclusion of specific accounts on my credit report that were not authorized by me. I respectfully request a detailed investigation and removal of these accounts. Relevant materials 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 explanation
Consumer complaint received 2025-08-15 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: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NC

Complaint narrative:
I am contacting you to formally dispute the accuracy and validity of the balance ( XXXX ) and billing on my MOHELA-serviced student loan account ( XXXX ), and to raise serious concerns regarding the handling of my personal data following the widely reported data exposure incident involving XXXX  vendors and connections to the recent XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX. 

XXXX. Billing and Servicing Dispute I have recently become aware of multiple public reports and legal filingsincluding the lawsuit filed by the XXXX XXXX XXXX XXXX ( XXXX  ) alleging that MOHELA : Overcharged borrowers, Sent inaccurate billing statements, and Mismanaged payment processing and account records. 

Given these allegations, I request a complete account audit and : Verification of the original loan agreements and promissory notes. 

An itemized breakdown of how my current balance was calculated. 

Written confirmation that my account has not been subject to the billing and servicing errors outlined in the XXXX litigation. 

If any irregularities are found, immediate correction or full discharge of any improperly serviced loan amounts. 

XXXX. Data Security Breach Concern It is my understanding, from public statements by the Department of Education and news outlets, that XXXX third-party servicing systems were impacted by a data breach tied to a larger security incident that has been linked to the XXXX XXXX/XXXX  XXXX XXXX XXXX situation. 
I request : Written confirmation whether my personal information was exposed in this breach. 

A description of the type of data compromised ( if any ) and when. 

The steps MOHELA has taken to secure my account and prevent misuse of my information. 

Information about any identity theft protections or credit monitoring MOHELA will provide at no cost to me. 

XXXX. Regulatory Obligations Under applicable federal servicing regulations and consumer protection laws, MOHELA is required to : Conduct a thorough investigation of my dispute ; Provide all requested documentation ; Correct any inaccuracies promptly ; and Respond in writing within a reasonable timeframe ( typically XXXX  days ). 

If I do not receive a timely and satisfactory resolution, I will escalate this matter to : The Federal Student Aid Ombudsman The Consumer Financial Protection Bureau The Federal Trade Commission My State Attorney Generals Office Please acknowledge receipt of this letter and provide a direct point of contact for further correspondence.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-15 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc . 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc . 
continues to willfully report inaccurate data in violation of FCRA XXXX U.S.C. XXXX ( b ), XXXX, and FDCPA XXXX and XXXX. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 2025-08-15 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: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$970.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX Account Number : [ 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 2025-08-15 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: NJ

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Incorrect Personal, has violated my rights. 

I looked at my credit bureau EQUIFAX credit report on XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to 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.

15 U.S.C. 1681B ( 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. I kindly request that you block this information from my credit report within four business days

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX USC XXXX ( b ) and XXXX USC XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion 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 : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$9300.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 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 2025-08-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX [ Date ] To : Transworld Systems Inc. 
XXXX XXXXXXXX XXXX XXXX, DE XXXX Re : Debt Validation & CFPB Complaint Account XXXX XXXXXXXX Original Creditor : XXXX XXXX XXXXXXXX Reported Balance : {$1200.00} To Whom It May Concern, I am formally disputing the accuracy and validity of the above-referenced account. This is not a refusal to pay but a lawful request for complete debt validation pursuant to 15 U.S.C. 1692g ( b ) ( FDCPA ).

Until you provide full and competent validation, you must immediately cease all collection activities, including but not limited to phone calls, text messages, emails, workplace contact, and reporting to any consumer reporting agency ( FDCPA 805 ( c ) ).

For this account, I demand the following : 1. Assignment contract or full chain of assignment from the original creditor to Transworld Systems Inc.

2. Bill of sale from the original creditor with identifying account details.

3. Account-level documentation, including but not limited to the signed contract, monthly statements, and charge-off details.

4. Proof of licensing and bonding authorizing Transworld Systems Inc. to collect in the Commonwealth of Pennsylvania.

5. Full breakdown of the alleged balance, showing principal, interest, fees, and any other charges.

Reporting or attempting to collect on an unvalidated debt violates FDCPA 807 ( 2 ) ( A ), 807 ( 8 ) and FCRA 602 ( A ), 623 ( a ) ( 1 ) ( A ). If you can not produce the above documentation within the time allowed by law, you must : Immediately remove all information related to this account from all consumer reporting agencies ; Provide written confirmation of deletion ; and Refrain from selling, transferring, or reassigning this account to any other entity.

This matter is also being filed as a formal complaint with the Consumer Financial Protection Bureau for investigation. My requested resolution is : Permanent deletion of this account from all credit reports ; Written confirmation of said deletion ; Prohibition against future collection or resale. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am a victim of identity theft, and my personal information was exposed in a national data breach. I am contacting you regarding fraudulent accounts that have been reported on my credit report. I won case in court as shown in documents Under the authority of 15 U.S. Code 1681c-2, I am formally requesting that you block and remove from my credit report all information that resulted from this identity theft, including any fraudulent accounts, inquiries, or collections that do not belong to me. 

XXXX XXXX account number : XXXX XXXX XXXX XXXX XXXX account number : XXXXXXXX XXXX XXXXXXXX account number : 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 2025-08-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: VA

Complaint narrative:
Per the last compliant, I have been deemed responsible as I understand it.

Im writing to respectfully request a goodwill adjustment to my credit report related to the late payment entries from XXXX. Once I became aware of the delinquency, I acted quickly to bring the account current and have remained in good standing since. I understand that accurate credit reporting is important, and I take full responsibility for keeping my account on track. I am asking that Nelnet consider removing these late payment notations from my credit report as a one-time goodwill gesture.

This adjustment would help me recover from this temporary setback and continue building a positive financial future. I value my relationship with Nelnet and the U.S. Department of Education, and I appreciate your consideration of this request. Please let me know if I can provide any additional information to assist in your review. Thank you for your time and understanding

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: HI

Complaint narrative:
I am formally contesting certain entries on my credit report representing accounts I did not authorize. Kindly perform an exhaustive review and remove them. Relevant materials have been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: SANTANDER HOLDINGS USA, INC.
State: NH

Complaint narrative:
I have an auto loan through Santander. In XXXX or XXXX of 2025, I was concerned about being late with a payment. My payments were current, I was having a tough month and wanted to be proactive to avoid a late fee or negative credit report. Santander offered an arrangement. They told me I could pay a little extra over my next four payments to make up for XXXX 's payment. I thought that sounded good and fair so I agreed, and made the next payment accordingly. 

What they didn't tell me was that they would report XXXX 's payment to the credit bureaus as late or unpaid. If they had explained that to me, I would never have made the arrangement. What they should have told me was to just make the payment within the thirty day window to avoid a negative credit report. 

They made the report and my credit rating went down XXXX points. Worse, so did my sister 's, who cosigned the loan for me. 

I called Santander to dispute the issue to no avail. I stopped into a branch for help and they told me to file a complaint here.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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