vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 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: NJ

Complaint narrative:
Date : XX/XX/year> To : Experian Credit Bureau Subject : Formal Dispute of Student Loan Reporting To Whom It May Concern, I am writing to formally dispute the reporting of my student loan account, due to multiple legal and regulatory violations that have occurred while I have remained an XXXX  XXXX  enrolled at least part-time. 
As of the date of this letter, I am currently enrolled in an XXXX  XXXX  that has not yet concluded. According to federal regulations under the Higher Education Act ( Title IV ), federal student loans are to be placed in automatic in-school deferment during periods of at least half-time enrollment. Despite this, my student loan has been reported as being in repayment and/or delinquent which is a clear violation of federal loan administration policies. 
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), a consumer information furnished to credit reporting agencies must be accurate, complete, and up to date. The reporting of my student loan as being in repayment, past due, or delinquent while I am and continue to be an active student is inaccurate, misleading, and damaging to my credit profile. This may also include failure to properly update my account status, erroneous delinquency dates, or misclassification of repayment terms.

I am further concerned about the Family Educational Rights and Privacy Act ( FERPA ) violation which occurred between XX/XX/year> and XX/XX/year>, where my personal education-related information appears to have been accessed, transmitted, and disclosed without my consent or authorization. 
Lastly, my current program extends beyond the current year, and this misinformation may have contributed to the erroneous repayment status. Therefore, I request the following school loans to be completely removed from my credit report.

If this matter is not resolved in a timely and appropriate manner, I reserve the right to escalate the issue to the Consumer Financial Protection Bureau ( CFPB ), the Department of Education 's Ombudsman Group, and legal counsel if necessary. 
Thank you for your immediate attention to this matter. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Went to XXXXXXXX XXXX XXXX XXXX on XX/XX/year>. When checking out I was asked if I had an XXXX XXXX. ( Assuming this was just the membership card ) I said no. I was thinking asked if I wanted to sign up, to which I said no. I was then asked again if I wanted an XXXX XXXX. I said I honestly might have XXXX ( thinking the membership card ). She said she could look it up and that I would save {$50.00}. She then asked for my drivers license. She said I didnt but I could sign up. I said okay, and she began putting in information. She then had me answer some basic questions like my phone number. Next she said okay ur signed up and I went to pay and she stated it would just go on my card. I was confused and she said she would give me a pamphlet, yet the store didnt have any. I then left the store and thinking about it on the ride home I realized did I just sign up for a credit card? I called and found out I did and immediately cancelled the card that I did not want. Now Im stuck dealing with the ramifications on my credit score for a credit card I didnt want or know I was signing up for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2025-08-04 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: MS

Complaint narrative:
The credit bureau has been sued that's reporting XXXX XXXX XXXX Account # XXXX to my credit file. 

The credit bureau unlawfully failed to investigate my customer dispute that I reported as inaccurate. 

The sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: MS

Complaint narrative:
The credit bureau has been sued that's reporting XXXX XXXX XXXX Account # XXXX to my credit file. 

The credit bureau unlawfully failed to investigate my customer dispute that I reported as inaccurate. 

The sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on my credit 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 non-monetary relief
Consumer complaint received 2025-08-04 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:
Re : Dispute of Late Payment Notation I am writing to bring to your attention that I have been making online payments in a timely manner. Despite this, my credit report shows a late payment notation that is negatively impacting my credit score. I have consistently made payments on time without delay throughout my payment history.

I kindly request that you conduct your due diligence to verify the accuracy of this information. If the notation is indeed an error, I would appreciate it if you could remove it as soon as possible. This notation is unfairly affecting my credit score, and I believe it should be corrected given my otherwise impeccable payment history.

Thank you for your prompt attention to this matter. I look forward to a resolution. 

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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian is reporting inaccurate and misleading information on my credit file regarding the XXXX XXXX account ending in XXXX. The account was closed on XX/XX/XXXX, yet Experian continues to report late payments in XXXX, and also fails to report that the account was closed. Additionally, the payment history conflicts with the records shown on XXXX  and XXXX. 

I made consistent payments in XXXX and brought the account current by XX/XX/XXXX. Despite this, XXXX  is reporting false delinquencies without documentation or proper reinvestigation.

Violations Cited : FCRA 1681e ( b ) Failure to report with maximum possible accuracy FCRA 1681i Failure to reinvestigate disputed information Metro 2 Guidelines Improper late payment reporting on a closed 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 2025-08-04 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-08-04 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: MD

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-08-04 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-08-04 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: PA

Complaint narrative:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the accounts listed below. I am firmly convinced that the reporting of these accounts is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the accounts that I request to be investigated and updated : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$720.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$280.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$980.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$790.00} XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$870.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1300.00}

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 2025-08-04 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: FL

Complaint narrative:
I am submitting this follow-up complaint pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., concerning the continued reporting of inaccurate and unverified information by multiple furnishers, as well as the presence of unauthorized inquiries on my credit reports.

Specifically, the following charge-off accounts are being reported without proper verification or supporting documentation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$6100.00} XXXX XXXX XXXX XXXX  Balance : {$400.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7500.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-04 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 submitting this formal follow-up complaint regarding inaccurate and potentially unauthorized inquiries listed on my credit report, which I believe may be in violation of the Fair Credit Reporting Act ( FCRA ). Despite prior dispute efforts, the inquiries in question remain uncorrected or improperly reported.

I am specifically disputing multiple inquiries that appear to be inaccurately listed or contain incorrect information. These entries may lack proper authorization or do not reflect accurate data, and I am requesting a thorough review and correction. 
Below are the details of the inquiries in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-08-04 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: IN

Complaint narrative:
I am submitting this follow-up complaint pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., concerning the continued reporting of inaccurate and unverified information by multiple furnishers, as well as the presence of unauthorized inquiries on my credit reports.

Specifically, the following charge-off accounts are being reported without proper verification or supporting documentation XXXX XXXX XXXX * * * * * * Balance : {$4700.00} XXXX OF XXXX XXXX * * * * * * * * * * Balance : {$5400.00} XXXX OF XXXX XXXX * * * * * * * * * * Balance : {$3600.00} XXXX XXXXXXXX XXXX * * * * * * Balance : {$3500.00} XXXX XXXXXXXX XXXX * * * * * Balance : {$930.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/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 2025-08-04 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, GA XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX RE : Dispute of Unauthorized Hard Inquiries Under FCRA Request for Deletion To Whom It May Concern, I am writing to formally dispute several unauthorized hard inquiries that appear on my credit report. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b, a consumer reporting agency may only furnish a report under specific, permissible purposes, and with the consumers authorization.

After reviewing my credit reports, I have identified the following inquiries that were not authorized by me and were made without my consent or initiation of a credit transaction : Inquiries to Be Removed : EQUIFAX : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries do not reflect any applications I submitted or authorized. If the original furnishers of these inquiries can not provide documented evidence of my written or verbal consent, then under FCRA 1681b ( c ) and 1681n/o, they must be considered unauthorized and removed. 

Please note : I am not disputing inquiries from XXXX XXXX XXXX or XXXX XXXX XXXX, as those are connected to active, authorized accounts. 

I have also submitted a formal FTC Identity Theft Report to support this dispute and will provide it upon request.

I respectfully request the following : 1. A full reinvestigation of the listed hard inquiries.

2. Immediate deletion of any inquiry that can not be verified with proper documentation.

3. An updated copy of my credit report reflecting the removals.

4. Written confirmation of the outcome of this investigation.

Please respond within the 30-day period required by federal law under the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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