vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-08 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: AL

Complaint narrative:
I recently examined my credit report and noticed an account that is not reporting accurately. There is a derogatory collection account with XXXX XXXX XXXX on my Equifax report that is not accurate and I am devastated as this is harmful to future financial opportunities. I am confident this information is a grave error and request this derogatory collection be removed permanently. I have attached copies from my credit report for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have made several request this year and last year for my credit reports and they have not sent them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SLM CORPORATION
State: NJ

Complaint narrative:
Subject dispute of the inaccuracy information under the FCRA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am a victim of identity theft and did not authorize, closed, collection, hard inquiries or consent to any of the fraudulent items listed in the attachments. You are legally obligated to : Block and delete the following items within 4 business days Fully update and correct my credit file within 15 calendar days

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I am a victim of identity theft and did not authorize, closed, collection, hard inquiries or consent to any of the fraudulent items listed in the attachments. You are legally obligated to : Block and delete the following items within 4 business days Fully update and correct my credit file within 15 calendar days

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 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: MD

Complaint narrative:
Nelnet continued inaccurate reporting of XXXX federal student loan accounts they previously serviced. According to documentation I received directly from XXXX this account was scheduled to be removed from my credit report in XX/XX/year>, in accordance with the Fair Credit Reporting Act ( FCRA ), which mandates that negative information must be removed XXXX years after the date of first delinquency. Additionally, XXXX XXXX XXXX have already removed or corrected the entries accordingly. 

Despite presenting this documentation and clear evidence of the timeline, Nelnet failed to address or correct the inaccurate credit reporting. This failure is in direct violation of your responsibilities as a data furnisher under the FCRA, specifically Section 623, which requires furnishers to conduct a reasonable investigation when a consumer notifies them of inaccurate information.

I am requesting the following : Immediate removal of the outdated and inaccurate credit entry reported by Nelnet, OR A written explanation, with supporting documentation, stating : - The actual Date of First Delinquency ( DOFD ) on the account - Why the account is still being reported if the DOFD indicates the XXXX period has passed- Why your reporting conflicts with XXXX XXXX previously issued removal schedule, which you reported I have enclosed the following supporting documents : - A copy of the TransUnion credit report indicating removal was due in 2023 ( outlined in pages XXXX of the XXXX Credit Report ) - A copy of a recent CFPB response letter from Nelnet, not addressing my last CFPB complaint about the XX/XX/year> removal date they reported to XXXX  - Documentation that XXXX XXXX XXXX XXXXave already removed or corrected the entries accordingly.

Please respond in writing within the 30-day window to the address listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: CA

Complaint narrative:
I am a victim of identity theft, I have no idea about these inquiries, please remove them from my reports

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 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Credit Bureau Reinsertion Dispute Letter ( FCRA 611 ) Subject : Urgent Notice of Unlawful Reinsertion XXXX Auto Loan To : [ Experian / TransUnion Re : XXXX Auto Loan Account Unlawful Reinsertion Without Notice Dear Consumer Reporting Agency, This letter is a formal dispute regarding the unlawful reinsertion of a previously removed XXXX Auto Loan account into my credit report without the legally mandated notice, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). 
This account was previously disputed and removed as inaccurate or unverifiable. The FCRA requires that, if a deleted item is to be reinserted, the consumer must be notified in writing within five business days. No such notice was received.

Furthermore, the information remains inaccurate and unverified, in violation of FCRA 1681i and 1681s-2, as the account continues to report : False late payments Inconsistent balance and status Missing or incorrect dates This is a violation of my rights under federal law, and I am demanding the following : Experian Must Follow XXXX  Lead XXXX  has already deleted this account from their reporting system over 12 months ago based on the same facts and laws presented here. Experians continued reporting is not only inconsistent with best industry practicesit exposes Experian to liability for willful non-compliance under the FCRA and related regulations 1. Immediate deletion of the XXXX XXXX account from my credit report. 
2. Written confirmation of the deletion within 15 days.

3. An internal investigation and reinvestigation report showing the source and furnishers involved in this reinsertion. 
Failure to comply will result in complaints to the CFPB, FTC, and possible civil litigation under FCRA 1681n. 
Respectfully, 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 2025-06-08 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I am writing to formally dispute and bring to your attention a serious concern regarding a potential or confirmed data breach involving my personal information. It has come to my attention that my sensitive data may have been compromised because of inadequate data security measures on your part.

Under federal and state consumer protection laws, including but not limited to the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), and applicable state data breach notification laws, companies are required to implement and maintain reasonable security procedures to protect consumers personal information and to promptly notify them in the event of a breach. 
I believe your company has failed to uphold these responsibilities, resulting in potential harm to my financial and personal privacy. If this breach has resulted in fraudulent activity on my credit file, financial accounts, or otherwise, I am requesting that you immediately : 1. Provide a detailed account of the data that was compromised ; 2. Disclose the date and method by which the breach occurred ; 3. Explain the steps your organization is taking to remediate the situation ; 4. Provide documentation of your compliance with data protection laws ; 5. Correct any errors on my credit file caused by this breach ; 6. Provide complimentary credit monitoring and identity theft protection services for a minimum of 12 months.

Please be advised that I am aware of my rights under the FCRA ( 15 U.S.C. 1681 ), which allows me to dispute inaccurate or incomplete information on my credit report. You are required to investigate and respond to this dispute within 30 days of receipt. Failure to do so may result in a complaint filed with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and/or my states Attorney General. 
Please respond to this dispute in writing within 30 days. If you fail to respond or resolve this issue promptly, I reserve the right to pursue further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
In XX/XX/year> my fathers checking account at US Bank, whom I have durable power of attorney for through US Bank, received five fraudulent transactions the largest of which being a $ XXXX money transfer to XXXX Bank. I contacted US Bank within XXXX hours to report the fraudulent charges. At this time, I have received re-payment for three of the smaller disputes. The larger of which, which occurred on the same day, has been repeatedly denied. I have talked with the banks repeatedly. They continually tell me that someone from the fraud department will get back to me. They never do. US Bank blames XXXX Bank and XXXX Bank won't talk to me. This is the second time I am submitting a claim with the CFPB. Last time, I was sent a bunch of paperwork that said it looked legit. Then at a later time XXXX Bank decided it was fraud. They asked me to send paper to US Bank. Then they denied it, again. I have continually talked with people from both banks. They can not agree on a resolution and I have yet to receive refunds. This has been going on for well over a 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 explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Collection Management Holdings, LLC
State: GA

Complaint narrative:
This company has put this on my credit report before and then removed it. I am unaware of this medical bill they state that I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: NY

Complaint narrative:
Subject : Equifax Data Breach Dispute Demand for Immediate Deletion of Fraudulent Account Based on CFPB Action To Whom It May Concern, I am formally disputing the presence of the following account on my credit file, which I believe is the result of identity theft stemming from the Equifax data breach : XXXX. XXXX XXXX XXXX {$1000.00} XXXX. XXXX XXXX XXXX {$23000.00} XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$5500.00} XXXX. XXXX XXXX XXXX {$5300.00} XXXX. XXXX XXXX XXXX {$11000.00} XXXX. XXXX XXXX XXXX {$2100.00} XXXX. XXXX XXXX XXXX {$12000.00} XXXX. XXXXXXXX XXXX XXXX {$7600.00} XXXX. XXXX XXXX XXXX {$4300.00} XXXX. XXXX XXXX  XXXX {$17000.00} XXXX. XXXXXXXX XXXX XXXX {$2100.00} XXXX. XXXXXXXX XXXX XXXX {$17000.00} XXXX. XXXX XXXX {$2100.00} XXXX. XXXX XXXX XXXX {$15000.00} XXXX. XXXX XXXX XXXX XXXX {$39000.00} XXXX. XXXXXXXX XXXX  XXXX {$25000.00} XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$10000.00} XXXX. XXXX XXXX XXXX XXXX {$25000.00} XXXX. XXXX XXXX XXXX XXXX {$50000.00} XXXX. XXXX XXXX {$0.00} As you are well aware, the Equifax breach in 2017 exposed sensitive personal data for over XXXX XXXX Americans, including critical identifiers such as Social Security numbers and credit card information. Given the nature and suspicious origination of this account, I have reason to believe it was fraudulently opened without my authorization using compromised information from that breach. 
Under the Fair Credit Reporting Act ( FCRA ) 611, I am exercising my right to dispute this account and demand its immediate and permanent deletion from my credit file.

Additionally, the Consumer Financial Protection Bureaus ( CFPB ) recent lawsuit against Experian reinforces my demand. The CFPB alleged that Experian has failed to properly investigate disputed information and has continued to report unverifiable or inaccurate data violations that directly harm consumers, especially in cases involving identity theft from known data breaches. 
Based on the above, I am demanding the immediate deletion of the account in question. If you can not prove this account was lawfully opened with my full authorization, it must be removed in accordance with federal law. 
Thank you for your prompt attention to this matter. 
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 2025-06-09 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:
Subject : Equifax Data Breach Dispute Demand for Immediate Deletion of Fraudulent Account Based on CFPB Action To Whom It May Concern, I am formally disputing the presence of the following account on my credit file, which I believe is the result of identity theft stemming from the Equifax data breach : XXXX. XXXX XXXX XXXX {$1000.00} XXXX. XXXX XXXX XXXX {$23000.00} XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$5500.00} XXXX. XXXX XXXX XXXX {$5300.00} XXXX. XXXX XXXX XXXX {$11000.00} XXXX. XXXX XXXX XXXX {$2100.00} XXXX. XXXX XXXX XXXX {$12000.00} XXXX. XXXXXXXX XXXX XXXX {$7600.00} XXXX. XXXX XXXX XXXX {$4300.00} XXXX. XXXX XXXX  XXXX {$17000.00} XXXX. XXXXXXXX XXXX XXXX {$2100.00} XXXX. XXXXXXXX XXXX XXXX {$17000.00} XXXX. XXXX XXXX {$2100.00} XXXX. XXXX XXXX XXXX {$15000.00} XXXX. XXXX XXXX XXXX XXXX {$39000.00} XXXX. XXXXXXXX XXXX  XXXX {$25000.00} XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$10000.00} XXXX. XXXX XXXX XXXX XXXX {$25000.00} XXXX. XXXX XXXX XXXX XXXX {$50000.00} XXXX. XXXX XXXX {$0.00} As you are well aware, the Equifax breach in 2017 exposed sensitive personal data for over XXXX XXXX Americans, including critical identifiers such as Social Security numbers and credit card information. Given the nature and suspicious origination of this account, I have reason to believe it was fraudulently opened without my authorization using compromised information from that breach. 
Under the Fair Credit Reporting Act ( FCRA ) 611, I am exercising my right to dispute this account and demand its immediate and permanent deletion from my credit file.

Additionally, the Consumer Financial Protection Bureaus ( CFPB ) recent lawsuit against Experian reinforces my demand. The CFPB alleged that Experian has failed to properly investigate disputed information and has continued to report unverifiable or inaccurate data violations that directly harm consumers, especially in cases involving identity theft from known data breaches. 
Based on the above, I am demanding the immediate deletion of the account in question. If you can not prove this account was lawfully opened with my full authorization, it must be removed in accordance with federal law. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/year> I applied for an auto loan with XXXX XXXX XXXX in XXXX California. They were the only company I authorized to get my consumer credit report. Several auto loan lenders made inquiries on XX/XX/year> that resulted hard inquiries being reported to all 3 consumer credit reporting agencies which made my credit scores decrease. Besides XXXX XXXX XXXX, all of the auto loan inquiries made on XX/XX/year> were not authorized by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: CA

Complaint narrative:
On XX/XX/year> I applied for an auto loan with XXXX XXXX XXXX in XXXX California. They were the only company I authorized to get my consumer credit report. Several auto loan lenders made inquiries on XX/XX/year> that resulted hard inquiries being reported to all XXXX consumer credit reporting agencies which made my credit scores decrease. Besides XXXX XXXX XXXX, all of the auto loan inquiries made on XX/XX/year> were not authorized by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/year> I applied for an auto loan with XXXX XXXX XXXX in XXXX California. They were the only company I authorized to get my consumer credit report. Several auto loan lenders made inquiries on XX/XX/year> that resulted hard inquiries being reported to all XXXX consumer credit reporting agencies which made my credit scores decrease. Besides XXXX XXXX XXXX, all of the auto loan inquiries made on XX/XX/year> were not authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: KS

Complaint narrative:
They have improper information reporting on my credit either its a old collection that is closed and has been passed the expiration of XXXX years and Ive requested proof of validation that this debt even belongs to me and they fell to even give me any information on on the collection that the reporting on my creditit

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 2025-06-08 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: KS

Complaint narrative:
They have improper information reporting on my credit either its a old collection that is closed and has been passed the expiration of XXXX years and Ive requested proof of validation that this debt even belongs to me and they fell to even give me any information on on the collection that the reporting on my creditit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Mississippi XXXX XXXX XXXX XX/XX/XXXX To : XXXX  / Experian / XXXX Subject : Dispute of Unauthorized Hard Inquiries on XXXX Credit Report Dear XXXX  / Experian / XXXX, I am writing to formally dispute multiple unauthorized hard inquiries that appear on my credit report. I recently reviewed my credit report for the first time and discovered inquiries that I did not initiate or authorize. 

The only hard inquiries I have knowingly and explicitly authorized are those related to XXXX XXXX or any institution affiliated with XXXX. Any other inquiries made into my credit file are unauthorized and were made without my permission. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these inquiries be thoroughly investigated and removed from my credit report if they can not be verified as authorized by me. Please provide documentation that proves I gave written consent for each of these inquiries. 

I have enclosed a copy of my government-issued ID and a utility bill for identity verification. 

Please send me a written confirmation once the investigation is completed and the appropriate corrections are made. You XXXX also contact me if further information is needed. 
Also it is about XXXX different inquiries dating back to XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation