vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-28 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: MD

Complaint narrative:
I am writing to formally request the immediate discharge of my XXXX XXXX XXXX due to a data breach that has compromised my personal and financial information. This breach, supported by the Department of Defenses Office of General Enforcement ( DODGE ), has exposed sensitive data, putting me at significant risk of identity theft and financial harm.

Under federal law and data protection policies, when a breach occurs due to the negligence or failure of a federal agency or its affiliated contractors, affected individuals should not be held responsible for financial obligations arising from compromised data. Given the circumstances of this breach, I request that my XXXX XXXX be immediately discharged in full. 


I kindly ask that you provide a written confirmation of the discharge and update my credit report to reflect the removal of these loan obligations. Additionally, I request documentation outlining the next steps and any further actions required on my part. 


Please confirm receipt of this request and provide a response within 30 days.Should you require any further information, I am happy to provide additional documentation to support my request. I appreciate your prompt attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: SC

Complaint narrative:
After recently reviewing my credit report I have became aware that there are fraudulent accounts listed on my credit report as collections as well as hard inquiries. Please remove the collections from my account as they are hurting my ability to obtain new credit.

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 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX to XXXX 2025 i got update an notifying me that my credit score has dropped close to XXXX points and the reason being was due to wrongful reporting on my credit card of XXXX from XXXX XXXX XXXX XXXX and XXXX line of credit that also from XXXXXXXX XXXX was being reported on my credit report as closed ... ..i contacted XXXX XXXX and i notified that the both accounts are open and to contact credit company with this issue... i contacted all 3 bureau and experian updated the status to current but never gave me my points back.

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 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX to XXXX 2025 i got update an notifying me that my credit score has dropped close to XXXX points and the reason being was due to wrongful reporting on my credit card of XXXX from XXXX XXXX XXXX XXXX and XXXX line of credit that also from XXXX XXXX was being reported on my credit report as closed ... ..i contacted XXXX XXXX and i notified that the both accounts are open and to contact credit company with this issue... i contacted all 3 bureau and XXXX  updated the status to current but never gave me my points back.

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 2025-03-28 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: CA

Complaint narrative:
XXXX XXXX to XXXX 2025 i got update an notifying me that my credit score has dropped close to XXXX points and the reason being was due to wrongful reporting on my credit card of XXXX from XXXX XXXX XXXX XXXX and XXXX line of credit that also from XXXX XXXX  was being reported on my credit report as closed ... ..i contacted XXXX XXXX and i notified that the both accounts are open and to contact credit company with this issue... i contacted all 3 bureau and XXXX  updated the status to current but never gave me my points back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/scrub> 2025 2025

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: PR

Complaint narrative:
On or about XXXX XXXX, 2024, I deposited a check into my Chase Bank checking account, for {$100000.00} made out to me, XXXX XXXX XXXX, issued by The United States Treasury as a result of my son 's passing during XXXX XXXX in The XXXX XXXX  XXXX. 

Chase Bank then froze the funds for verification. XXXX closed the account on XX/XX/year>2024, with no prior notice and never credited me the funds from the check. 

Chase claimed to have not been able to verify the validity of the check, even though there is an official website of the United States Government, that verifies checks ( TCVS ). Furthermore, the issuer attempted to verify the check through Chase Bank but failed to make contact.

Chase refuses to provide me with an explanation as to why they will not return the funds to me or produce details of their attempts to verify the check.

Chase has confirmed to my daughter, XXXX XXXX XXXX, that they are in possession of the funds but will not simply return them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I contacted Transunion because my information has been compromised in XXXX and XXXX data breaches. I am not able to view my report nor scores online. I called Transunion and spoke to a representative who stated she did not know why but did provide information to me that stated I had three collections on my account. XXXX, XXXX, and XXXX XXXX. The representative stated that I need to mail in proof that I fully paid XXXX  and a police report to have XXXX and XXXX XXXX removed instead of uploading online because for some unknown reason, I am not able to access my Transunion report nor scores online.

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 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
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 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Kindly remove the unauthorized accounts from my credit report as soon as possible. I have no connection to these accounts, nor did I authorize them. Per USC 1681g, I am formally requesting their removal within 15 days. I have enclosed supporting documents for your review. Moreover, discrepancies exist as different account details are being reported to each credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I said yes in XXXX XXXX to a credit card and I will receive a 20 % discount, so I did. After a received the bill on XX/XX/XXXX and turned around the next day and paid the full amount 0f XXXX through my XXXX account pay bill. I received a notice and calls that they have not received my payment, so I contacted XXXX. They showed my where the check was processed and sent on the XXXX of XXXX. I called the customer service and got the run around so I closed my account, and they would not take off the late payment because I closed my account. They said that if I keep my account open with them that would take off the late payment and I would not open my account back up due to being manipulated by this company. XXXX  canceled the check that the sent to them and reissued a new check in which they added more charges. Out of frustration and just the clear up this mess and paid another XXXX to this company for other late fees. I received another statement stating that they have not received my payment. I went to my bank again and they processed and mailed the check for XXXX on the XXXX of XXXX. I called them and they said that they received it on the XXXX of XXXX. They charged me another XXXX in late and interest fees! I called them as they once again blame the post office. At this time, I realized that they are crooks and that I just need to pay them this because I'm getting nowhere. At this time, I paid it with my debit card over the phone. 
I have always paid my bills to time I have an XXXXcredit score, and this bank is very crooked and need to be reported so I am doing so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-28 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 DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: NJ

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-28 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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

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 2025-03-28 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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!

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 2025-03-28 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: TX

Complaint narrative:
Id really appreciate it if you could quickly take off the fraudulent items from my credit report given the circumstances and fix any inaccuracies or fraud. This is the umpteenth time Im reaching out for your help. Ive attached documents from the relevant authorities that back up my claims.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In XXXX XXXX, I filed a XXXX complaint. XXXX responded but referred to me as " XXXX XXXX, '' which is not my name. When they correctly referred to me as XXXX XXXX, they stated my account was in good standing. 

On XXXX XXXX XXXXXX/XX/year>, I filed a complaint with the CFPB and FCC after the XXXX process failed to resolve the issue. XXXX XXXX XXXX responded to the CFPB complaint confirming that the account was recalled by XXXX. 

At that time, I disputed the collection with all three credit bureaus and provided documentation from both the XXXX and CFPB complaints. Instead of removing the account, the bureaus marked it as " paid. '' I re-disputed with Experian, but the inaccurate reporting remained. 

XXXX response to the FCC did not include an account number or any information linking me to the debt. I contested their response, and the FCC has now requested a supplemental reply. I also filed another CFPB complaint directly against XXXX XXXX  XXXX, who confirmed that they no longer hold the debt and that XXXX is the current creditor. 

Despite this, the collection remains on my credit report and continues to harm my score. I am unable to obtain business funding for a critical property project and am incurring interest costs as a result. This ongoing inaccurate reporting violates my rights under the Fair Credit Reporting Act ( FCRA ), and I am requesting full deletion of this tradeline 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 2025-03-28 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: CA

Complaint narrative:
Im reaching out because Ive noticed an error on my credit report that needs to be addressed immediately. Specifically, there are accounts listed that I never authorized or gave permission for. These accounts are completely unauthorized, and I expect them to be removed from my report without delay. I understand the seriousness of this matter and am requesting that you take swift action to correct it.

Company response to consumer: Closed with non-monetary relief