vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 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: GA

Complaint narrative:
These accounts are not connected to me ; please remove them within 15 days as outlined in USC 1681g.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: WA

Complaint narrative:
I submitted two Income-Driven Repayment ( IDR ) plan requests to Nelnet on XX/XX/XXXX and XX/XX/XXXX after completing a Direct Consolidation Loan on XX/XX/XXXX. Both IDR requests have remained In Review for over a year and have never been processed. As a result, my account is in forbearance under an Extended Graduated repayment plan, which means interest is accruing and I am not receiving credit toward IDR or Public Service Loan Forgiveness ( PSLF ). I have repeatedly checked my account and contacted Nelnet, but they have not provided confirmation or enrollment in an IDR plan. This delay has caused financial harm, including a growing balance and lost progress toward loan forgiveness. I am requesting immediate processing of my IDR applications, retroactive credit for the months lost due to Nelnets failure, and correction of any interest capitalization caused by these delays.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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:
I am a consumer who is in the process of fixing my credit, and I would like to dispute several accounts listed on my credit report. Below are the accounts in dispute, organized by each bureau : Charged Off Accounts : US Dept Ed, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Bank XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX XXXX Bank XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3900.00} Late Payments : XXXX XXXX, Account Number : XXXX XXXX XXXX, Account Number : XXXX XXXX, Account Number : XXXX U.S. Dept of Ed, Account Number : XXXX U.S. Dept of Ed, Account Number : XXXX US Dept Ed, Account Number : XXXX US Dept Ed, Account Number : XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX ), Date : XX/XX/XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT I HAVE WENT TO THE POLICE AND FILE AN FTC REPORT. I HAVE POLICE REPORT. PLEASE REMOVE THE FOLLOWING ACCOUNTS Account Name : XXXX Account Status : CLOSED Date Opened : XX/XX/XXXX Account Balance : - Amount Past Due : - Account No : XXXX Account Name : XXXXXXXX Account No : XXXX Account Status : Closed Account Type : Credit Card Date Opened : XX/XX/XXXX Account Balance : {$1800.00} Amount Past Due : {$1800.00} Account Name : DEPT OF ED/XXXX Account No : XXXX Account Status : Open Account Type : Education Date Opened : XX/XX/XXXX Account Balance : {$1000.00} Amount Past Due : {$89.00} Account Name : DEPT OF ED/XXXX Account No : XXXXAccount Status : Open Account Type : Education Date Opened : XX/XX/XXXX Account Balance : {$3500.00} Amount Past Due : {$300.00} Account Name : DEPT OF ED/XXXX Account No : XXXX Account Status : Open Account Type : Education Date Opened : XX/XX/XXXX Account Balance : {$1100.00} Amount Past Due : {$89.00} AND INQUIRIES INQUIRIES XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
Two unauthorized XXXX transactions ( 1. {$1200.00}. 2. {$1.00} ) transpired through our Bank of America checking account. There were two other attempts on the same day for different amounts that show were declined. We have never utilized XXXX and didn't even know it was connected or an option via our BOA account. We immediately contacted the bank to report and they said it could take up to 45 business days to investigate. During that time we called back to look into and we not provided any additional information. We then finally received a letter via BOA saying the claim had been denied. We have since contacted them to reopen claim to investigate further, opened a police report ( they suggested we do so ) and then supply them with the permanent incident number. We have done everything they have asked and provided them with all information we are aware of and they continue to deny our claim. We have spoken to a local attorney and they mentioned this is common with BOA and suggested we submit a claim here to see if anything else can be done. Please contact us for additional information as needed to pursue and assist us as consumers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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 have no knowledge of these inquiries, and they seem to be unauthorized and possibly fraudulent. I request immediate action to resolve this matter. Please review the attached documents for further clarification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
I am disputing an XXXX XXXX XXXX XXXX  debt that was incorrectly sent to collections in the amount of {$1500.00}. I placed an order with XXXX XXXX XXXX  paid the initial taxes, and canceled the order in less than XXXX hours, well before any device was shipped or delivered. The phone was never picked up, activated, or received by me. 

Because the order was canceled immediately and no service was ever activated, I should not be charged a device cost or an early termination fee. XXXX & XXXX billed me for a device that was never shipped and an early termination fee for a service that never began. 

Despite this, the account was sent to a third-party collection agency and now appears on my credit report as a derogatory mark. I contacted the collector, and confirmed that the device was never received. I am requesting that XXXX XXXX XXXX correct this error, remove the charges, notify the collection agency, and delete the negative reporting from all credit bureaus. 

Please investigate this matter, as XXXX & XXXX can not legally charge for equipment not delivered or charge early termination fees when no service was ever provided

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: MD

Complaint narrative:
I am a consumer who is in the process of fixing my credit. I am disputing the following accounts that have been reported inaccurately. Below is a list of the accounts in question, separated by bureau. 

Inquiries : XXXX, Date : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: NC

Complaint narrative:
I am submitting a dispute regarding several accounts on my credit report. Below are the details of the accounts in question : CHARGED OFF XXXX  : DPT ED/XXXX, XXXX, XX/XX/XXXX, {$3300.00} DPT ED/XXXX, XXXX, XX/XX/XXXX, {$2700.00} DPT EDXXXX, XXXX, XX/XX/XXXX, {$3000.00} DPT ED/XXXX, XXXX, XX/XX/XXXX, {$1300.00} DPT ED/XXXX, XXXX, XX/XX/XXXX, {$1900.00} XXXXXXXX XXXX XXXXXXXX, XXXX, XX/XX/XXXX, {$560.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$3600.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} LATE PAYMENT XXXX  : XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This letter serves as a formal notice that my personal and financial information has been compromised due to a data breach. My private identifying information may have been accessed, distributed, or misused without my authorization. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and applicable privacy laws.

I demand that you immediately : Investigate any unauthorized activity, including any accounts opened using my identity.

Remove and correct all inaccurate or fraudulent reporting connected to this breach.

Provide written documentation of your investigation and corrective actions.

Failure to correct this matter will result in immediate escalation to the Consumer Financial Protection Bureau ( CFPB ) and all appropriate regulatory authorities. Written confirmation of receipt and resolution is required.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This letter serves as a formal notice that my personal and financial information has been compromised due to a data breach. My private identifying information may have been accessed, distributed, or misused without my authorization. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and applicable privacy laws.

I demand that you immediately : Investigate any unauthorized activity, including any accounts opened using my identity.

Remove and correct all inaccurate or fraudulent reporting connected to this breach.

Provide written documentation of your investigation and corrective actions.

Failure to correct this matter will result in immediate escalation to the Consumer Financial Protection Bureau ( CFPB ) and all appropriate regulatory authorities. Written confirmation of receipt and resolution is required.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: VA

Complaint narrative:
XXXXTo Whom It May Concern:XXXXI am writing to dispute several items in the personal information section of my Experian credit file. Under the Fair Credit Reporting Act, you are required to report only accurate, complete, and verifiable information. The items listed below do not meet those standards and must be removed or correctedXXXXXXXX. Incorrect NamesXXXXPlease keep my legal name as: XXXX XXXXDelete the following inaccurate variations:XXXX XXXX XXXX XXXX XXXXThese versions are not my legal name and do not meet FCRA accuracy requirements.XXXX. Phone Numbers That Do Not Belong to MeXXXXPlease delete all phone numbers currently shown on my Experian file, as none of them belong to me:XXXXXXXXThese numbers are incorrect and must be removed because they do not match my identity and cannot be verified as mine.XXXX Incorrect or Outdated AddressesXXXXPlease delete the following addresses. Some are outdated and no longer associated with me, and others are entirely incorrect:XXXX XXXX XXXX XXXX XXXX VAXXXX XXXX XXXX XXXX VAXXXXXXXX XXXX XXXX XXXX VA (outdated)XXXX XXXX XXXX XXXX, VA (outdated)XXXXReporting outdated or incorrect identifying information increases the risk of mixed-file issues and violates the FCRAs accuracy requirement under section 607(b).XXXXPlease keep only my correct current address:XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Employer Information to RemoveXXXXPlease delete all employer entries, as they are outdated and no longer accurate:XXXX XXXX XXXXFCRA Reinforcement\n\nUnder sections 609, 611, and 623, you may not continue reporting information that is inaccurate, incomplete, outdated, or unverifiable. If Experian cannot verify any item with its original source, it must be permanently deleted within the required XXXX-day reinvestigation period.XXXXPlease complete the reinvestigation and mail me written confirmation of the deletions.XXXXSincerely,XXXX XXXXCurrent Address: XXXX OXXXX XXXX XXXX XXXX, VA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Constant issue with Synchrony Bank ( Lowe 's Credit Card ) not letting me know that changes have been made to my account. I logged-in to my account on XX/XX/year>, and my XX/XX/year> payment due is {$0.00}, but yet I never received information from Synchrony regarding any update or change to my account. Also, my auto payment has been cancelled ( XXXX ) times without my knowledge even though I received an e-mail confirmation that my auto payment will be applied. I also do not have a XX/XX/year> statement because this is when some of the fraudulent activity by Synchrony was happening. These action, which are not all list, violate the Truth in Lending Act. Synchrony never responded appropriately with the handling of my account, nor did Synchrony advise me appropriately of changes that were made to my account. On one instance, a Synchrony Representative told me I need to login to my account to see when changes are made. Wow. So I guess I'm suppose to login to my account everyday to make sure Synchrony has changed. Isn't that Synchrony 's responsibility to notify me. No notifications were provided and there's nothing documented on my account stating a dispute is in progress. Bad form Synchrony, bad form. 

Where is my XX/XX/year> XXXX?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: GA

Complaint narrative:
Company is falsely and inaccurately reporting information about me that was a direct result of identity fraud. Company has no direct way to dispute which is a violation of FCRA law

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: TX

Complaint narrative:
I am disputing the following charged-off accounts on my Experian credit report : XXXX XXXX XXXX - Account No. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$0.00} XXXX - Account XXXX. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$0.00} XXXX XXXX - Account XXXX. XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX - Account No. XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account No. XXXX, Date Opened : XX/XX/XXXX, Balance : {$900.00} XXXX - Account No. XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account No. XXXX, Date Opened : XX/XX/XXXX, Balance : {$290.00} XXXX XXXX - Account No. XXXX, Date Opened : XX/XX/XXXX, Balance : {$26000.00} BANKRUPTCY - Account No. XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} I am also disputing the following late payments : XXXX XXXX - Account No. XXXX XXXX - Account No. XXXX XXXX  XXXX - Account No. XXXX XXXX  XXXX - Account No. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: NC

Complaint narrative:
I am submitting this complaint because Experian is reporting additional negative accountsincluding XXXX XXXX XXXX and a XXXX accountthat I believe are incorrect, outdated, or not properly verified. 

Charged-Off Accounts in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issues : Some accounts appear duplicated. 

Several child support entries are reporting {$0.00} balances, which suggests they may be outdated or no longer legally reportable. 

XXXX has not provided proof of ownership or validation. 

Dates and statuses appear inconsistent or incomplete. 

I previously disputed these items, but Experian did not provide proper documentation. 

Hard Inquiry in Dispute XXXX XXXX  XX/XX/XXXX I do not recognize or recall authorizing this inquiry. 

XXXX XXXX XXXX XXXX XXXX Acct : XXXX The late payment being reported is incorrect and has not been validated. 

Request I am requesting that Experian : Conduct a full reinvestigation under FCRA XXXX. 

Validate each charged-off or derogatory item listed. 

Remove any unverifiable or outdated accounts. 

Remove the unauthorized inquiry.

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