vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 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: PA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, PA XX/XX/year> To : XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, GA XXXX ______________________________________ TXXXX XXXX XXXX XXXX XXXX XXXX  PA XXXX Subject : Formal Dispute of Student Loan Account No Contract, No Proof of Debt Pursuant to 15 USC 1681i ( FCRA ) and 15 USC 1692g ( FDCPA ), I am disputing the accuracy and validity of the above-referenced account currently appearing on my credit file. 



This account is being reported as if I owe a debt. I have no contract or agreement with your company, and I demand full validation. You are required to provide the following : The original, wet-ink promissory note containing my signature. 
A full transactional accounting ledger proving that you ( or the original lender ) loaned me actual funds from your own account, rather than funds generated from my signature. 
Proof that the debt has not been sold, transferred, securitized, or otherwise paid by third parties. 
Proof of your legal standing as the holder in due course of the alleged obligation. 


Verification through mere database confirmation or third-party reporting does not satisfy federal requirements. If you can not produce the above within the statutory time limit, you must immediately remove this account from my credit file and cease all collection activity. 

Failure to respond with full validation within XXXX calendar days will be taken as your agreement that no such records exist and that the debt is unsubstantiated, requiring deletion of all related entries

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: PA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, PA XX/XX/year> To : DEP ED NELNET Nelnet, XXXX. XXXX XXXX, XXXX, XXXX XXXX EQUIFAX XXXX XXXXXXXX XXXX, XXXX, GA XXXX ______________________________________ XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, PA XXXX Subject : Formal Dispute of Student Loan Account No Contract, No Proof of Debt Pursuant to 15 USC 1681i ( FCRA ) and 15 USC 1692g ( FDCPA ), I am disputing the accuracy and validity of the above-referenced account currently appearing on my credit file. 



This account is being reported as if I owe a debt. I have no contract or agreement with your company, and I demand full validation. You are required to provide the following : The original, wet-ink promissory note containing my signature. 
A full transactional accounting ledger proving that you ( or the original lender ) loaned me actual funds from your own account, rather than funds generated from my signature. 
Proof that the debt has not been sold, transferred, securitized, or otherwise paid by third parties. 
Proof of your legal standing as the holder in due course of the alleged obligation. 


Verification through mere database confirmation or third-party reporting does not satisfy federal requirements. If you can not produce the above within the statutory time limit, you must immediately remove this account from my credit file and cease all collection activity. 

Failure to respond with full validation within 30 calendar days will be taken as your agreement that no such records exist and that the debt is unsubstantiated, requiring deletion of all related entries

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: LA

Complaint narrative:
I am formally disputing multiple inaccurate, unverifiable, and outdated items appearing on my credit reports with Equifax, Experian, and TransUnion in violation of the FCRA ( 15 U.S.C. 1681i & 1681e ( b ) ).

These accounts and inquiries are reporting in error and continue to be published despite prior disputes and supporting documentation. 

Specifically : XXXX XXXX inaccurate delinquency and payment history, unverifiable per Equifax precedent deletion. 

XXXX account not mine / unverifiable, no permissible purpose for reporting. 

Hard inquiries multiple inquiries appearing without permissible purpose under FCRA 1681b, including but not limited to those in my attached reports. 

Evidence is attached, including FTC Identity Theft Reports, prior disputes, and data breach documentation ( XXXX XXXX & Experian ) showing my personal data was compromised, leading to these inaccurate tradelines and inquiries. 

I demand : Mandatory manual review of the attached evidence. 

Deletion of all inaccurate accounts and inquiries within 4 business days pursuant to FCRA 611 ( a ) ( 1 ) ( A ).

Compliance confirmation in writing from each bureau.

Failure to delete unverifiable data is a willful violation of the FCRA and subjects the reporting agencies to liability for damages under 15 U.S.C. 1681n and 1681o.

Last 4 SSN : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: LA

Complaint narrative:
I am formally disputing multiple inaccurate, unverifiable, and outdated items appearing on my credit reports with Equifax, Experian, and TransUnion in violation of the FCRA ( 15 U.S.C. 1681i & 1681e ( b ) ).

These accounts and inquiries are reporting in error and continue to be published despite prior disputes and supporting documentation. 

Specifically : XXXX XXXX inaccurate delinquency and payment history, unverifiable per Equifax precedent deletion. 

XXXX account not mine / unverifiable, no permissible purpose for reporting. 

Hard inquiries multiple inquiries appearing without permissible purpose under FCRA 1681b, including but not limited to those in my attached reports. 

Evidence is attached, including FTC Identity Theft Reports, prior disputes, and data breach documentation ( XXXX XXXX & Experian ) showing my personal data was compromised, leading to these inaccurate tradelines and inquiries. 

I demand : Mandatory manual review of the attached evidence. 

Deletion of all inaccurate accounts and inquiries within 4 business days pursuant to FCRA 611 ( a ) ( 1 ) ( A ).

Compliance confirmation in writing from each bureau.

Failure to delete unverifiable data is a willful violation of the FCRA and subjects the reporting agencies to liability for damages under 15 U.S.C. 1681n and 1681o.

Last 4 SSN : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: WA

Complaint narrative:
I gave my friend cash to transfer money to my mobile account. During that time they took some of my money to activate his account and then it lead to him being scammed and so they filed a fraud case and accused me of being the scammer. My friend, the account owner told them that it was approved by him and I had nothing to do with it but they kept on with the dispute resulting in my mobile account getting frozen and closed and also now I am in debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : 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 explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TomoCredit Inc.
State: FL

Complaint narrative:
The company TOMO charged me foe services not rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: NY

Complaint narrative:
I am writing to formally dispute and request the removal of inaccurate and unauthorized information currently reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information on my credit report that I believe to be inaccurate, incomplete, or unverifiable. 
XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: PA

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$4400.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$6600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$840.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$840.00} XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: TX

Complaint narrative:
This dispute concerns a false late payment entry on my credit report. My payment records prove that all payments were made on time, making the reported delinquency wholly inaccurate. Such misinformation is damaging and must be corrected to comply with the FCRAs requirement for truthful reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: OR

Complaint narrative:
I am submitting this complaint because Transunion continues to report 30-day late payments on the account below, despite my request for verification.

I formally disputed this entry and requested proof per the FCRA, but no supporting documentation was provided. Transunion failed to provide evidence of the alleged delinquency or proper validation from the original creditor. This lack of verification violates FCRA Section 611 and constitutes willful non-compliance. 


XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Between XX/XX/year>, and XX/XX/year>, a total of 64 unauthorized transactions totaling {$4000.00} were debited from my checking account by a fraudulent merchant operating under multiple aliases XXXX, XXXX, XXXX, XXXX, and XXXX. 

I canceled all services on XX/XX/year> using the merchants internal cancellation process and have screenshots and records to prove it. Despite this, charges continued under different names. This is a known scam tactic to evade detection and prevent customers from successfully canceling. 

On XX/XX/year>, Bank of America denied my dispute without giving me an opportunity to submit evidence or explain my side. There is no secure email or online upload option for customers to provide supporting documentation, making it impossible for me to fully present my case. 

After I filed complaints with the CFPB and OCC, Bank of America reopened my claim on XX/XX/year> but failed to issue a provisional credit, as required under Regulation E. The merchant has not responded to them which is expected from a scam operation yet Bank of America still denied my claim again on XX/XX/year>. 

This denial ignores the clear evidence of fraud, my documented cancellation, and the fact that the merchant has completely failed to respond. Bank of Americas handling of this matter has been slow, uncooperative, and contrary to both consumer protection laws and their own stated policies.

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 monetary relief
Consumer complaint received 2025-08-11 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 submitting this statement to formally dispute several inaccurate and outdated items currently appearing on my credit report. Despite my efforts to have these corrected through the appropriate credit reporting agencies, they continue to reflect incorrect or unverifiable information. These entries are negatively impacting my credit profile and should be addressed immediately. The following are the specific items in question : 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if 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 2025-08-11 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: IA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 A account opened at XXXX XXXX  on XX/XX/XXXX Account number ( XXXX ) another account opened at XXXX XXXX XXXX XX/XX/XXXX Account number ( XXXX ) another account opened at XXXX  on XX/XX/XXXX Account number ( XXXX ). DELETE UNAUTHORIZED ACCOUNTS- XXXX. XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX XXXX XXXX. XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/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 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: KY

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

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation