vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-13 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 XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$9300.00} XXXX  - XXXX - XX/XX/XXXX - {$2000.00} XXXX  - XXXX - XX/XX/XXXX - {$720.00} XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$350.00} XXXX  XXXX XXXX XXXX - XX/XX/XXXX - {$2500.00} XXXX - XXXX - XX/XX/XXXX - {$4800.00} XXXX  - XXXX - XX/XX/XXXX - {$9100.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$680.00} XXXX XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$7300.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$12000.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute unauthorized activity associated with my student loan account, identified as Account Number : XXXX, with an original balance of {$20000.00}. My personal and financial information was compromised without my authorization, and I believe this may have affected the integrity of my records.

Under the Family Educational Rights and Privacy Act ( FERPA ), my student records, including financial information, are protected from unauthorized disclosure or misuse. Given that my information has been compromised, I request a thorough investigation into the security and accuracy of my account records. I also request documentation verifying the legitimacy of this debt and any actions taken on my account/ credit report.

Please provide a written response within 30 days confirming your findings and the steps taken to rectify any discrepancies. If this matter is not resolved and deleted from my credit report, I may be forced to escalate my dispute to the U.S. Department of Education and other appropriate authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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:
Upon reviewing my report, I noticed inquiries from different creditors which I did not authorize. I am concerned they may be linked to identity theft or fraudulent activity. I kindly request that you investigate these inquiries and remove them from my credit report if they can not be verified as authorized. I have attached my letter to the Bureaus and still these inquiries were still reported to my current report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-13 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX Ct XXXX, SC XXXX XXXX ( XXXX ) XXXX XX/XX/year> XXXX XXXX XXXX XXXX : Dispute XXXX Department XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Account # XXXX for Civil Liability for Negligence and Noncompliance Dear XXXX I am writing to dispute the information on my credit report concerning the account reported by XXXX  XXXX XXXX XXXX originally incurred with " XXXX XXXX XXXX  ''. The account reference is # XXXX, and I believe it contains inaccuracies that demonstrate potential civil liability for negligence and noncompliance under Section 16810 of the Fair Credit Reporting Act ( FCRA ).

Upon examination, I have identified the following issues : 1. **Collection Status Reporting : ** The account is marked as derogatory, placed for collection with a balance of {$5000.00}. However, there is no record of monthly payments or any adjustments since its reporting on XX/XX/year>. 

2. **Payment History Anomalies : ** The legend detailing the two-year payment history reflects consistent indications of collection or chargeoff without any documented changes or updates. This repetition raises concerns about accurate reporting practices. 

3. **Lack of Payment Date : ** The absence of a " Date of Last Payment '' suggests potential discrepancies in how the account has been reported and managed, impacting its compliance with FCRA requirements.

According to Section 16810, XXXX XXXX XXXX is responsible for the accuracy, fairness, and complete reporting of debt information. The inconsistencies listed above suggest that there XXXX have been negligence or errors in fulfilling these duties. 

In accordance with the FCRA, I am requesting an immediate investigation into this account. Please verify the accuracy of this information and correct or remove any erroneous details. I ask for written confirmation of your findings and any supporting documentation used in your investigation. 

I expect your response and necessary adjustments within the timeframe stipulated by the FCRA to avoid any further action. Please address this dispute as a matter of urgency. 

Thank you for your prompt attention. 

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 non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. There were inquiries fraudulently made to my personal credit. Names of the companies and dates of them are listed below. I have sent in proof to the credit bureaus but they refused to have these removed. They are breaking the credit law. Please have this resolved with the credit bureaus immediately by having them remove these inquiries immediately off my credit! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-03-13 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: FL

Complaint narrative:
I have included documentation from the relevant authorities to back up my claims. I would appreciate it if you could quickly eliminate the fraudulent entries from my credit report and take the necessary actions to correct any inaccuracies or fraudulent activities.

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 2025-03-13 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: LA

Complaint narrative:
I have not received any response from the Bureaus even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. But unfortunaetly it has been over 30 days and no accounts was updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: WA

Complaint narrative:
I have XXXX XXXX XXXX on my credit report with no creditor information and i was told they are no longer allowed to report XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: NY

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: FL

Complaint narrative:
My identity has been stolen, and I am seeking your help AGAIN to swiftly remove these fraudulent items. I kindly request that you delete this specific item as soon as possible and ensure that all other incorrect details are promptly updated.

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 2025-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: OH

Complaint narrative:
After the confusion and changes surrounding student loans the last few years, and losing my job in XX/XX/year>, my student loans weren't at the forefront of my mind as I was navigating a job search and trying to keep a roof over my head. I did not receive any notices or correspondence that my student loans were coming up as past due ( after being deferred or in foreberance ). Not at XXXX  days, not at XXXX  days, nothing. It wasn't until I got an alert from XXXX Bank that my loans were XXXX  days late and that I had a XXXX point reduction in my XXXX XXXX. XXXX! 
I attempted to contact Nelnet several times, by phone and through their portal, prior to this to get a status on my loans, and their system wouldn't recognize me. One would think they would recognize a customer by their SS #. They didn't. 
After finally speaking with someone at Nelnet, there is nothing they can do unless I'm a current student or active military. They don't accept goodwill letters either. 
I have come across hundreds of individuals in the same position and hope Nelnet does something about this situation and their business practices. I, along with probably thousands of other individuals over the last XXXX  days, have had our near perfect and perfect credit scores ruined overnight with absolutely no recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-13 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-13 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: TX

Complaint narrative:
Here is the list of fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: IA

Complaint narrative:
Tried to open account and was denied several times without explanation.

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 2025-03-13 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: NV

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a through investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as high in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations, I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. This is the accounts that I have marked as inaccurate,,XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: TX

Complaint narrative:
I have asked for correct name to be only name on reporting. If another name is used that has cause fraudulent disruption on my credit and my accounts. I have reported on several occasions and been brushed off. If company can not keep correct information not third party. 
I will have an attorney file charges against credit bureau for actively committing fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: MOHELA
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding an unauthorized access to my personal and student loan information on XX/XX/XXXX by individuals or entities associated with Dogecoin ( DOGE ) and XXXX XXXX. I believe this action constitutes a violation of my rights under the Privacy Act of 1974 and the Family Educational Rights and Privacy Act ( FERPA ).

I am concerned that sensitive personal data, including information related to my student loans, has been improperly accessed or disclosed without my consent. This unauthorized access has negatively impacted my credit report and financial standing, and I believe these actions are in direct violation of federal law designed to protect personal and educational information. 

Details of the Incident : Unauthorized access to my student loan information at the Department of Education. 
Violation of the Privacy Act and FERPA. 
Impact on my credit report and overall financial well-being due to these actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: MOHELA
State: PA

Complaint narrative:
I have tried multiple times to get in touch with Mohela. I sent them a secure message and did not receive any response. I also have tried calling them, yet the wait times are in excess of XXXX hours each time I have tried to call. A few months ago, I spoke with XXXX person who told me my payment was being " researched. '' I still have no answer regarding what that means or when it will be applied to my loan. I can see on the website in my loan history that my loan repayment was finally applied. So, this tuition reimbursement sent within a week of the repayment is the only one that has not been applied to my loan. That amount is {$1200.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: NY

Complaint narrative:
From my understanding, my account was placed on the SAVE PLAN. thats the only thing I authorized on my account! XXXX not sure why the account is on forbearance now? How did it go on forbearance?! Is there any deferment options or other options that saves more on the interest? What are my options? I demand Nelnet to promptly answer my requested information ASAP and help me with the status of my account. Also the matter from XXXX university loans remained unresolved. Please clarify what options are available to me ASAP that save more interest. What deferment options or what save plan option? What are the options???

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: SANTANDER HOLDINGS USA, INC.
State: CT

Complaint narrative:
I was the victim of a deception in 2022 they sent me a check that I deposited in my account... I had no funds... Apparently they said it was my fault... try to explain ... they closed my account... they broke off relations with me and then they put an alert in the banks and account that I open in any bank... they close it to me without giving me any justification.

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 2025-03-13 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:
This morning, I noticed that my credit report contained incorrect accounts, and I have no idea how they got there. I regularly review my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a temporary glitch, but the inaccurate accounts remained. Given this situation, I request a thorough review of the documents I submitted so that I can put this issue behind me for good.

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 2025-03-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am a victim of XXXX XXXX XXXXf XXXX bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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