vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: NerdWallet, Inc.
State: FL

Complaint narrative:
I had about XXXX in a credit card account. The company stopped offering the credit card service. I was unable to withdraw the money and was told in XXXX that a check was in the mail. I never got the check and now the company is not responding to my emails to their support address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: CA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: MI

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request. The disputed information includes a personal credit card account t
hat was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report.

I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft.

To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) 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 2025-05-12 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:
XX/XX/year> To whom it may concern.... 

This is my formal complaint against Equifax Credit Bureau. 

After several disputes filed w/them, they clearly did NOT address my issue about XXXX XXXX XXXX XXXX XXXXXXXX, GA. Nothing changed on my credit reports, so I know Equifax ignored it. Illegal? AND.... none of the 3 Credit reporting bureaus are " senior citizen friendly ''. i.e. I don't have a computer ( or access to one. My closest relative lives 130 miles from me, works hard daily, I refuse to impose or be a burden ( when I'm still fully capable of caring for myself/daily needs ). I, like many others only have a cell phone to depend on. Credit bureaus are NOT " cell phone friendly ''. Downloads don't work, dispute comments not easily made/accessed ( options too limited ). Will it take a consumer lawyer 's help in getting needed changes made? Hopefully not, yet I'm prepared if it does. Interesting to find how many FCRA violations Equifax, XXXX XXXX violate daily " under the radar ''? 

Respectfully, XXXX XXXX XXXX, GA XXXX XXXX SS # XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: OH

Complaint narrative:
I am writing to file a dispute regarding a creditor and credit reporting agencies that have broken consumer laws by reporting numerous inaccurate accounts on my consumer report. I am seeking your assistance in holding these companies accountable for their actions and correcting the inaccurate information on my consumer report. 
I have already put both the credit reporting agencies and the furnishers on notice regarding the inaccuracies on my consumer report. Despite this, no action has been taken to correct these errors, which continue to cause me extreme harm. The inaccuracies on my consumer report have prevented me from obtaining credit, employment, and other opportunities that require a clean credit history. 
I am requesting that your agency investigates this matter and takes the necessary steps to ensure that these companies are held accountable for their actions. I am also requesting that the inaccurate inquiries on my consumer report be removed and corrected immediately. I believe that your agency has the power to protect consumers like myself, and I hope that you will take this complaint seriously. 
Thank you for your attention to this matter. I look forward to hearing from you soon. 

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. 

XXXX XXXX XXXX XXXX * * * * has violated my rights. 

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 XXXX 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 non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
On XX/XX/year>, at XXXXXXXX XXXX, I spoke with XXXX XXXX and requested a detailed bill from the doctor 's office, showing the charges. I have health insurance, and my insurance covered the bill. However, XXXX XXXX declined to provide me with a bill and advised me to contact my health insurance for the details. When I asked to speak with a supervisor, she informed me that a supervisor would call me, but I never received a call back. I DONOT OWE THIS BALANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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 filing a formal complaint regarding a collection account reported by XXXX  XXXX  ( Original Creditor : XXXX XXXX  XXXX, Account # : XXXXXXXX XXXX XXXX XXXX XXXX ) that is the direct result of identity theft. 

I have already filed an official Identity Theft Report with the Federal Trade Commission ( FTC ) at IdentityTheft.gov and am attaching a copy of that report, as well as my identification. I have never authorized this account, nor have I received any goods, services, or correspondence related to it. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to have all fraudulent information resulting from identity theft blocked from my credit file. Despite following all FTC protocols and providing the required documentation to both the credit bureaus and XXXX XXXX, this fraudulent account remains on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: IL

Complaint narrative:
I am writing to request the immediate investigation and removal of unauthorized accounts appearing on my credit report. I did not open or approve these accounts, and I am unfamiliar with their source. As provided under USC 1681g, I formally request that they be deleted within 15 days. Enclosed are relevant documents for your review. It is also important to note that conflicting and inaccurate account data is being reported to each bureau.

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am disputing a XXXX  account ( account # XXXX ) that was charged-off and sold to XXXX XXXX XXXX. Despite this, XXXX continues to report the account as active. This is a form of duplicate reporting for the same debt, which is not allowed under the FCRA. Once a debt is sold, the original creditor should not continue to report it as charged-off. I request deletion due to double jeopardy and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: Nelnet, Inc.
State: AZ

Complaint narrative:
After refinancing my home in XXXX of XXXX, I used the payout to pay off my XXXX loan. My title company contacted NelNet for a pay off amount and send them a check in that amount, {$13000.00} on XX/XX/XXXX and it was cashed on XX/XX/XXXX and I assumed the issue was resolved. Until they started hitting my credit report XX/XX/XXXX EVERY WEEK. I lost XXXX points on my credit report and immediately called Nelnet. After multiple repetitive phone calls, I was assured that this was resolved by assigning my payment to the correct loan account and they would remove the derogatory reporting from my credit report. However, they claimed that I still owed interest in the amount of XXXX. Despite arguing with them that I did not owe this as I had remitted the payoff amount they indicated, they refused to close my account or fix my credit report unless I paid it. They also denied my request for the tax forms to claim the interest I paid. They claimed that since I paid the remaining interest on XX/XX/XXXX I can't file for it until next year, which makes zero sense. They absolutely should send me a tax form for the amount paid in XXXX regardless and I will be notifying the IRS about this. It is XX/XX/XXXX now and they are still emailing, and mailing me bills claiming I am delinquent on " my '' accounts, which are solely my son 's loans and not attached to me. They also did not remove the derogatory claims from my credit report and simply reported that I am now current. While that did improve my score by XXXX points, it did not restore the XXXX points that I was penalized by with their reporting. Today, they claim they are unable to remove it from my credit report. * * This was the original complaint submitted to the XXXX On XX/XX/XXXX I received a response from them and Nelnet that the matter has been resolved. It has NOT been resolved in any way. Nelnet sent me a tax form that indicated that I paid no interest in XXXX, despite cashing the check for the loan in XXXX of XXXX. This is fradulent. The only amount paid in XXXX was the XXXX they claim was the remaining balance on the loan. And, when I paid that, they continue to bill me for XXXX cents. Somehow, paying it OFF on the phone with them took long enough to generate an additional XXXX in fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I 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 2025-05-12 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: FL

Complaint narrative:
Dispute Department : Equifax Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX My Social Security number is : XXXX My address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX My employer is : employed___ My Date of birth is : XXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robot-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief. 
I expect you to delete these negative accounts and provided me with an updated report within 30 days in accordance to the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: FL

Complaint narrative:
I am disputing the XXXXXXXX XXXX XXXX  account ( account # XXXX ) reported as a paid charge-off with {$770.00} written off. The account was closed by the creditor in XX/XX/year>, yet the charge-off is reported in XX/XX/year>. There is no clear evidence of payment resolution or validation of the charge-off timing. Additionally, the account has not been updated or verified with recent activity in over a year. This violates the FCRAs requirement for accurate and timely reporting. I am requesting removal of this account or a full investigation with supporting documentation.

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 2025-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 

The following items do not belong to me and are a result of fraud that I did not authorize : 1. XXXX Account Number : XXXX * * * * 2. XXXX  XXXX Account Number : XXXX * * * * 3. XXXX Account Number : XXXX * * * * 4. XXXX XXXX Account Number : XXXX * * * * XXXX. XXXX  XXXX Account Number : XXXX * * * * 6. XXXXXXXX XXXX XXXXXXXX Account Number : XXXX * * 7. XXXXXXXX XXXX Account Number : XXXX * * 8. XXXX Account XXXX : XXXX * * * * 9. XXXX XXXXXXXX XXXX  Account Number : XXXX * * * * 10. XXXX Date of inquiry : XX/XX/XXXX 11. XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX 12. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 13. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 15. XXXX XXXX XXXX CO Date of inquiry : XX/XX/XXXX 16. XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX 17. XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 18. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 19. XXXX XXXX Date of inquiry : XX/XX/XXXX 20. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : 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 2025-05-12 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: NC

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 

The following items do not belong to me and are a result of fraud that I did not authorize : 1. XXXX Account Number : XXXX * * * * 2. XXXX  XXXX Account Number : XXXX * * * * 3. XXXX Account Number : XXXX * * * * 4. XXXX XXXX Account Number : XXXX * * * * XXXX. XXXX  XXXX Account Number : XXXX * * * * 6. XXXXXXXX XXXX XXXXXXXX Account Number : XXXX * * 7. XXXXXXXX XXXX Account Number : XXXX * * 8. XXXX Account XXXX : XXXX * * * * 9. XXXX XXXXXXXX XXXX  Account Number : XXXX * * * * 10. XXXX Date of inquiry : XX/XX/XXXX 11. XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX 12. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 13. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 15. XXXX XXXX XXXX CO Date of inquiry : XX/XX/XXXX 16. XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX 17. XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 18. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 19. XXXX XXXX Date of inquiry : XX/XX/XXXX 20. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : 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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This record of late payments is erroneous and does not accurately reflect my regular payment patterns. I have consistently made my payments on time, and I ask that it be deleted to guarantee that my account is reflecting correct information.

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