vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
Requested a loan from this company. Expected to receive suggested rates, terms, etc. Company never asked me how much I needed for the loan. They did ask typical loan inquiry questions pertaining to my credit health. Once submitting what I thought was request for a loan quote, I received an email stating I was approved for a random amount ( they never did ask how much I needed ), and stated that I would receive a card in the mail in a few days. I immediately called customer support to fix this as I was not wanting to open an account. They closed the account. I notice my credit report had a new hard inquiry on it. I filed a dispute with the company to request to have this removed. I received a letter in the mail later saying that my dispute was denied. I contacted the company and THEY said that THEY filed the dispute on their end and that there was nothing more they could do. THEY said that my letter came from the Credit Bureaus and that the credit bureaus were the ones who denied my dispute ( even though my denial letter had the companys name on it ). They told me that they would file a repeat dispute, but after that, there is nothing more they can do. Also, after filing my initial dispute with the company, I later received a letter saying my loan request was denied due to " not enough available credit on revolving accounts '' ( false- I have over $ XXXX of available credit on my revolving accounts ), " recent delinquency '' ( false- I have never been delinquent ), " too many different addresses reported '' ( false- I have one current address- no rentals, additional properties, etc. ). Again, this " denial letter '' was submitted AFTER I filed my dispute, AFTER I closed my account, but more importantly, AFTER I was approved for their account and for $ 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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-06-05 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: NY

Complaint narrative:
Subject : Request for Deletion and Blocking of Accounts Due to Data Breach As a result of a data breach, my credit report now contains fraudulent accounts. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting they be blocked and removed within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: IL

Complaint narrative:
LexisNexis Risk Solutions XXXX ( LexisNexis ) is refusing to provide my consumer disclosure report or complete a reinvestigationeven after I supplied full identifying documents. 
On XX/XX/year> I filed CFPB Case # XXXX requesting my LexisNexis Consumer Disclosure Report and disputing any derogatory data. 
In a letter dated XX/XX/year>, LexisNexis stated it was unable to fully authenticate my identity and would not provide my file unless I sent additional documents already included with my CFPB complaint. 
LexisNexis also tried to reach me at XXXX, an address I do not use for credit matters, creating needless delay. 
On XX/XX/year> I mailed clear copies of : Drivers license ( front/back ) Social-Security card ( last four digits visible ) Gas utility bill dated within 30 days LexisNexis has not acknowledged receipt, supplied the report, or begun a reinvestigation.

This conduct violates the Fair Credit Reporting Act ( FCRA ) : 1681g ( a ) failure to provide my complete file on request.

1681h ( a ) ( 1 ) unreasonable, duplicative ID hurdles. 
1681i ( a ) failure to complete a reinvestigation within 30 days of my XX/XX/XXXX dispute. 
1681n / 1681o civil liability for willful or negligent non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: AZ

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: NC

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Absolute Resolutions Corp.
State: TX

Complaint narrative:
Company is claiming contact was made in recent years which isn't true because they wouldn't have known where I was living or how to reach me due to the inconsistent living situation that I've been in for 10 years as well as having multiple different phones & phone numbers since XXXX. They also claimed to have 'served me ' in XXXX I believe they said which I was never served anything at any point. Here 's the message that I sent back to them after they dismissed my previous initial attempt to close the collection and dismiss it from my credit : Dear Absolute Resolutions Investments , LLC, Thank you for your response to my recent dispute. However, I respectfully request further clarification and validation of the following information, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) : 1. Proof of Payment : Please provide documented proof of the alleged {$100.00} payment made on or around XX/XX/XXXX. I have no record or recollection of making this payment. 
2. Date of First Delinquency : Under the FCRA, negative items may only be reported for seven years from the date of the original delinquency that led to the charge-off. Please provide documentation clearly identifying the original date of delinquency associated with this account.

3. Judgment Verification : You mentioned that a judgment was entered on XX/XX/XXXX. Please provide : A copy of the judgment, The name of the court, The case number, and Proof of proper service, including the method, date, and address where service was attempted or completed.

To the best of my knowledge, I was never served or notified of any court action. While my mailing address may have remained the same on record since the alleged origination, I have experienced periods of XXXX and housing instability over the years. Its very possible that I did not receive notice of any legal proceedings as a result. I was unaware of any judgment entered against me until recently. 

If you are unable to fully validate this account, or if it is beyond the allowable credit reporting window, I am requesting that this account be immediately deleted from my credit report in accordance with the FCRA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: Nelnet, Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX XXXX XXXX # XXXX SS # XXXX Date : XX/XX/year> To : Nelnet Inc., / U.S. Department of Education XXXX XXXX XXXX, XXXX XXXX, XXXX, NE XXXX, US Subject : Immediate Request for Student Loan Discharge Due to Privacy Breach and Violation of FERPA To Whom It May Concern, I am writing to formally demand the immediate discharge and cancellation of my federal student loan debt due to a serious and unauthorized breach of my personal and financial information.

As protected under the Family Educational Rights and Privacy Act ( FERPA ), my student records and identifying information are to be kept confidential and safeguarded at all times. The unauthorized access and compromise of my personal and financial data constitute a direct violation of FERPA, as well as a breach of your fiduciary and legal responsibilities as a federal loan servicer.

Given the severity of this breach and the risks it poses to my identity, credit, and financial stability, I am requesting urgent action to cancel and discharge the full balance of my student loan. This request is made not only in accordance with my rights under federal privacy laws but also as a matter of equity and corrective action for your failure to protect my sensitive data.

Please confirm receipt of this request in writing and provide a timeline for resolution. If I do not receive a timely and appropriate response, I am prepared to escalate this matter further, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Student Aid Ombudsman Group, and other relevant authorities.

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX # XXXX SS # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: CA

Complaint narrative:
SOMEONE OPENED A BANK ACCOUNT A CAR LOAN AND SEVERAL CREDIT CARDS WITH OUT MY PERMISSION OR KNOWLEDGE!

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 2025-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: MI

Complaint narrative:
I opened a business checking account with US Bank on XX/XX/XXXX. I researched several institutions and chose US Bank based on a promotion that was being offered. The promotion included a {$500.00} bonus with the following stipulations : 1. Deposit a minimum of {$5000.00} within 30 days 2. Maintain the balance of {$5000.00} or more for 60 days After completing these requirements, I did not see the bonus in my account. The {$5000.00} was there 4 days after opening the account ( XX/XX/XXXX ) and I still did not see the bonus after 60 days. I called US Bank and was told that on their end they could see that I also needed to complete 5 transactions and therefore was not eligible for this bonus. This was not publically listed anywhere as a requirement for this bonus. I thoroughly read through every piece of paper sent to me and have a screenshot of the promotion which does NOT state this. A supervisor was not helpful. I proceeded to write a letter to XXXX XXXX - an executive at US Bank detailing my experience as an educated professional woman who reads the fine print- I was not careless or mistaken in this matter. Correspondence was sent stating my letter was received and I would receive a phone call. On XX/XX/XXXX I spoke with XXXX who simply stated that US Bank required 5 transactions and I did not meet it. I asked him how a company can hold a standard internally but not publish it to the consumer - essentially a bait and switch technique. I was given an apology and nothing more.

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 2025-06-05 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: CA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXXXXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXXXXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXXXXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXXXXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX # XXXXXXXX XXXX XXXX XXXX XXXX - Date Opened 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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Subject : Formal Complaint for Inaccurate and Fraudulent Personal Information Immediate Removal Requested To Whom It May Concern, I am submitting this formal complaint regarding the presence of fraudulent and inaccurate personal information attributed to XXXX XXXX XXXX on my credit reports maintained by the XXXX major credit reporting agencies ( Experian, Equifax, and TransUnion ). 

The personal information in question is demonstrably false and constitutes identity fraud or erroneous reporting. I demand immediate action to investigate and permanently remove all inaccurate personal data linked to the name XXXX XXXX XXXX, as it is misleading and damaging to my credit standing and personal reputation. 

Specifically, I require the following : Verification and validation of the identity linked to this information by the credit bureaus. Provide documented proof of identity verification procedures performed concerning this data. 

Immediate removal of all inaccurate or fraudulent personal information associated with XXXX XXXX XXXX from all credit files. 

Confirmation that all three credit bureaus have updated their records accordingly and removed the disputed fraudulent personal data. 

Failure to take immediate corrective action will compel me to pursue all available legal remedies under the Fair Credit Reporting Act ( FCRA ), including but not limited to claims for willful violation damages and referral to federal enforcement agencies for investigation of fraudulent reporting. 

Please treat this complaint with the utmost urgency and provide written confirmation of receipt and planned resolution. 

Thank you for your prompt attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: NV

Complaint narrative:
Subject : Formal Complaint for Inaccurate and Fraudulent Personal Information Immediate Removal Requested To Whom It May Concern, I am submitting this formal complaint regarding the presence of fraudulent and inaccurate personal information attributed to XXXX XXXX XXXX on my credit reports maintained by the XXXX major credit reporting agencies ( Experian, Equifax, and TransUnion ). 

The personal information in question is demonstrably false and constitutes identity fraud or erroneous reporting. I demand immediate action to investigate and permanently remove all inaccurate personal data linked to the name XXXX XXXX XXXX, as it is misleading and damaging to my credit standing and personal reputation. 

Specifically, I require the following : Verification and validation of the identity linked to this information by the credit bureaus. Provide documented proof of identity verification procedures performed concerning this data. 

Immediate removal of all inaccurate or fraudulent personal information associated with XXXX XXXX XXXX from all credit files. 

Confirmation that all three credit bureaus have updated their records accordingly and removed the disputed fraudulent personal data. 

Failure to take immediate corrective action will compel me to pursue all available legal remedies under the Fair Credit Reporting Act ( FCRA ), including but not limited to claims for willful violation damages and referral to federal enforcement agencies for investigation of fraudulent reporting. 

Please treat this complaint with the utmost urgency and provide written confirmation of receipt and planned resolution. 

Thank you for your prompt attention to this matter. 

Sincerely,

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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief