vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: IN

Complaint narrative:
I have sent a request for accounting of this loan in its entirety. Meaning show proof of funds dispersed to me or on my behalf then show all transactions so i can see how they came up with the number they are saying i owe and they refuse to give the full accounting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: NC

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required XXXX business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal 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 explanation
Consumer complaint received 2025-08-24 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:
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 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 2025-08-24 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
It was discovered while reviewing my credit file that I have accounts reporting in my name that I did not authorize.Specifically theres an account reference : Apple Card/GS Bank USA Balance {$2800.00} I have no specific knowledge of how my information was obtained.Additionally I was a victim of an XXXX XXXX XXXX and I do have alerts placed on my account stating creditors are supposed to contact me before issuing credit which this creditor failed to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: Experian Information Solutions Inc.
State: GA

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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.

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 2025-08-24 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: NJ

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX  # XXXX Date Opened XX/XX/XXXX Account Name : XXXX  XXXX XXXXXXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-24 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: EQUIFAX, INC.
State: GA

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: GA

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 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: SC

Complaint narrative:
I am a victim of identity theft. Someone has used my person information to open up these fraudulent accounts. I have never gave anyone permission to open these accounts in my name without my authorization or consent. This has really affected my ability to provide properly for my family. Inquiries are 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 non-monetary relief
Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I am filing this complaint because Capital One is reporting multiple inaccurate and unverifiable late payments on my closed account ending in XXXX. According to my credit file, Capital One is showing XXXX, XXXX, XXXX, XXXX, and even XXXX late payments for XXXX. These entries are factually inaccurate and do not reflect my payment history. 

Under the Fair Credit Reporting Act ( FCRA 609 & 611 ), all information reported must be 100 % accurate, verifiable, and not misleading. I previously disputed this directly with the bureaus, and Capital One verified without providing any supporting evidence ( original payment ledgers, signed agreements, or full account history ). This constitutes furnishing inaccurate data and a failure to conduct a proper reinvestigation. 

I demand that Capital One immediately : XXXX. Delete all negative payment history from this account, or provide complete documentation proving accuracy. 
XXXX. Cease reporting unverifiable late payments to the credit bureaus. 

If Capital One can not produce documented proof of these alleged delinquencies, they must be deleted under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
Cease and Desist / Dispute of Unauthorized Credit Inquiries From : XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX Date : XXXX XXXX, 2025 To : Consumer Financial Protection Bureau ( CFPB ) XXXX  XXXX XXXX XXXX XXXX DC XXXX Cc : Credit Acceptance XXXX XXXX XXXX XXXX, MI XXXX Phone : ( XXXX ) XXXX Subject : Formal Dispute & Cease and Desist Removal of Unauthorized Credit Inquiries To Whom It May Concern, This letter serves as my formal dispute and cease-and-desist request regarding unauthorized and negative inquiries currently being reported on my consumer credit file. 

The disputed inquiries are as follows : Creditor/Business : Credit Acceptance Business Type : Auto Financing Companies Inquiry Dates : XX/XX/year>2025 XXXX XXXX, 2025 XX/XX/year>2025 XX/XX/year>2025 XX/XX/year>2025 XX/XX/year>2025 XX/XX/year>2025 XX/XX/year>2025 I did not authorize these inquiries, nor was any written consent or permissible purpose provided as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. The continued reporting of these inquiries is inaccurate, misleading, and damaging to my credit profile.

DEMANDS Immediate Removal All negative and unauthorized inquiries listed above must be permanently deleted from my credit file.

Verification of Authorization Provide documented proof that I granted written authorization for each inquiry. If no such proof exists, they must be deleted immediately.

Cease and Desist Credit Acceptance, and any other entity reporting unauthorized inquiries, are hereby directed to cease and desist from making or reporting inquiries without my express written consent.

Written Confirmation Provide me with written confirmation that these inquiries have been removed and that no further unauthorized inquiries will be made in my name.

NOTICE Failure to comply will constitute willful noncompliance with the FCRA. If this matter is not resolved within 30 days, I will escalate by filing complaints with the FTC, state regulators, and may pursue civil damages under federal law.

I expect written confirmation of removal and compliance within the time allowed by law. 

Sincerely, XXXX XXXX [ Signature if mailing

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 2025-08-24 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: Experian Information Solutions 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 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 2025-08-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: TX

Complaint narrative:
I am formally disputing the collection account reported by I.Q. Data XXXX. This account is inaccurate, unverified, and reported in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Under 15 U.S.C. 1692g ( b ), a debt collector is required to provide full validation of an alleged debt upon request. This includes : XXXX. The name and address of the original creditor. 
XXXX. A complete account history showing charges, payments, and credits. 
XXXX. A copy of the original signed agreement or contract. 
XXXX. Documentation showing the chain of title/assignment from the original creditor to I.Q. Data XXXXXXXX. 
XXXX. Proof that the debt is not time-barred under applicable statute of limitations. 

Despite my dispute, I.Q. Data XXXX has failed to provide any of the legally required documentation. Instead, they have continued to report this unverifiable account to the credit reporting agencies, which constitutes a violation of both the FDCPA and FCRA, specifically : FDCPA, 15 U.S.C. 1692g ( b ) prohibiting continued collection activity without validation.

FCRA, 15 U.S.C. 1681s-2 prohibiting the reporting of inaccurate or unverifiable information. 

This unlawful reporting has caused direct harm to my creditworthiness, financial opportunities, and overall consumer rights. Because the collector can not validate this debt as required by law, I am requesting that the CFPB : XXXX. Investigate this matter and hold I.Q. Data XXXX accountable for noncompliance. 
XXXX. Order immediate deletion of this collection account from all consumer reporting agencies. 
XXXX. Ensure compliance with federal law to prevent further violations and consumer harm. 

I.Q. Data XXXXXXXX has failed to meet their burden of proof under federal law. Therefore, this account is invalid, unverifiable, and must be removed in its entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-08-24 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | XXXX : XX/XX/year> Date : [ Insert Date ] RE : Formal Factual Basis Dispute - Demand for Permanent Deletion & Legal Accountability To Whom It May Concern, I, XXXX XXXX XXXX, submit this Formal Factual Basis Dispute and Demand for Permanent Deletion under the Fair Credit Reporting Act ( 15 U.S.C. Sec.Sec. 1681i ( a ), 1681e ( b ), 1681s-2 ( b ), and 1681s-2 ( b ) ( 1 ) ( A ) ), the FDCPA, and applicable federal identity protection laws ( 18 U.S.C. Sec. 1028A ). Pursuant to XXXX XXXX XXXX XXXX, failure to conduct a lawful reinvestigation and verify reported information constitutes a direct violation of 15 U.S.C. Sec. 1681s-2 ( b ). 
You are hereby required to answer : - Where is your proof? 
- What system did you access? 
- Time and date of that access? 
- How did you review the actual records? 
Unless you can produce signed contracts, itemized billing statements, or court-stamped documentation, you must permanently delete the following accounts as unverifiable, inaccurate, or unlawfully reported : ACCOUNTS TO DELETE - E-OSCAR CODES : - XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - Code XXXX - XXXX XXXX XXXXXXXX & XXXX - Code XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Code 112 - XXXX XXXX XXXX * * * - Code A88 - XXXX XXXX XXXX - Code 001 - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Code A88 - XXXXXXXX XXXX XXXX XXXX  - Code 001 ( Equifax Only ) - CHAPTER XXXX BANKRUPTCY REF # XXXX - Code A88 Your continued reporting of unverified debt, conflicting data, and unauthorized inquiries violates the FCRA, FDCPA, and GAAP standards XXXX Failure to comply will result in formal complaints to the CFPB, FTC, State Attorney General, and immediate civil action under 15 U.S.C. Sec.Sec. 1681n & 1681o. No stall letters. No partial updates. Delete or provide full legal documentation. 
Sincerely, 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 2025-08-24 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | XXXX : XX/XX/year> Date : [ Insert Date ] RE : Formal Factual Basis Dispute - Demand for Permanent Deletion & Legal Accountability To Whom It May Concern, I, XXXX XXXX XXXX, submit this Formal Factual Basis Dispute and Demand for Permanent Deletion under the Fair Credit Reporting Act ( 15 U.S.C. Sec.Sec. 1681i ( a ), 1681e ( b ), 1681s-2 ( b ), and 1681s-2 ( b ) ( 1 ) ( A ) ), the FDCPA, and applicable federal identity protection laws ( 18 U.S.C. Sec. 1028A ). Pursuant to XXXX XXXX XXXX XXXX, failure to conduct a lawful reinvestigation and verify reported information constitutes a direct violation of 15 U.S.C. Sec. 1681s-2 ( b ). 
You are hereby required to answer : - Where is your proof? 
- What system did you access? 
- Time and date of that access? 
- How did you review the actual records? 
Unless you can produce signed contracts, itemized billing statements, or court-stamped documentation, you must permanently delete the following accounts as unverifiable, inaccurate, or unlawfully reported : ACCOUNTS TO DELETE - E-OSCAR CODES : - XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - Code XXXX - XXXX XXXX XXXXXXXX & XXXX - Code XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Code 112 - XXXX XXXX XXXX * * * - Code A88 - XXXX XXXX XXXX - Code 001 - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Code A88 - XXXXXXXX XXXX XXXX XXXX  - Code 001 ( Equifax Only ) - CHAPTER XXXX BANKRUPTCY REF # XXXX - Code A88 Your continued reporting of unverified debt, conflicting data, and unauthorized inquiries violates the FCRA, FDCPA, and GAAP standards XXXX Failure to comply will result in formal complaints to the CFPB, FTC, State Attorney General, and immediate civil action under 15 U.S.C. Sec.Sec. 1681n & 1681o. No stall letters. No partial updates. Delete or provide full legal documentation. 
Sincerely, 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