vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 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: FL

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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$220.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3400.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$540.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXX * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX XXXX Date : 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 2025-06-20 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: NY

Complaint narrative:
I am writing to report an error involving student loans that are incorrectly associated with my name. It appears that loans belonging to another individual who shares my name have been mistakenly linked to my records. 

I have never attended XXXX de XXXX XXXX. I was a student at XXXX XXXX XXXX, and that is the only institution I received XXXX XXXX for. The presence of loans from XXXX XXXX on my account is inaccurate and likely due to a mix-up based on name similarity. 

Please review and correct this error immediately. I would appreciate written confirmation once this issue is resolved or if additional documentation is needed from my side.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 : Inquiries 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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
Identity Theft Notification XX/XX/year> I am writing to report that I have been a victim of identity theft. There are credit accounts and hard inquiries appearing on my credit report that do not belong to me and were opened or authorized without my knowledge or consent. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these fraudulent accounts and inquiries be investigated and removed. I am also requesting a fraud alert be placed on my credit file in accordance with federal law. Please consider this statement as part of my official dispute and take immediate action to protect and correct my credit report. Thank you for your prompt attention. T

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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TomoCredit Inc.
State: MD

Complaint narrative:
Identity Theft Notification XX/XX/year> I am writing to report that I have been a victim of identity theft. There are credit accounts and hard inquiries appearing on my credit report that do not belong to me and were opened or authorized without my knowledge or consent. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these fraudulent accounts and inquiries be investigated and removed. I am also requesting a fraud alert be placed on my credit file in accordance with federal law. Please consider this statement as part of my official dispute and take immediate action to protect and correct my credit report. Thank you for your prompt attention. T

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Nationwide Capital Services, LLC
State: MO

Complaint narrative:
Here is the problem. 

My husband and I had payday loans for XXXX and XXXX with check XXXX go. We had forgot about them and never heard anything. XXXX day last month my husband received threatening phone calls and threats to garnish his wages. This scared us so we looked into it. Check XXXX go said they sold the debt to Nationwide Capital Services. NCS reported on my credit karma thats how I knew then it was gone. No longer on my credit karma. I called and they said my account was escalated to ICR ( independent capital services ) when I called ICR- they stated it was now in the hands of XXXX XXXX XXXX. I contacted all of these people with a validation of debt letter. Today I received letter back from structured settlement with the same address as nationwide capital services they have paperwork from XXXX XXXX XXXX However ; they stated on the phone they no longer owed the debt. Now it seems like theyre trying to collect the debt. I dont want any garnishes or judgment against me and I dont refuse to pay. However the entire situation is weird and kind of sketchy. Ive had XXXX collection agencies say theyve had it etc, and then to call my husband and threaten him be mean to him, is so wrong. Im uncomfortable with the situation and dont feel comfortable paying any of them until I know who actually OWNS the debt with proof. They have all said they have owned the debt.

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 2025-06-20 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: CA

Complaint narrative:
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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX  XXXX CA XXXX ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$9500.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$290.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6000.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2400.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX  Date : 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 2025-06-20 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: CO

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit report all of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving 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 2025-06-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
My savings account was compromised by Citizens Bank and {$15000.00} was retrieved from my savings account without my permission or knowledge. A check with my forged signature was used to make a small deposit into my bank account and the sum was withdrawn with my debit card. This incident happened in the XXXX of XXXX, when they had mailed a new debit card to me which I had never received. I hadnt received any information on the whereabouts of the card until XXXX of XXXX when my account has been closed by the bank. Ive made multiple claims to the bank and each investigation proved inconclusive as they claim that I had withdrawn that sum. I have a total of XXXX reviews from the bank and each of those times have been fruitless.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: CT

Complaint narrative:
I am formally disputing the inaccurate, unverified, and undocumented information contained in my credit report. This includes accounts, inquiries, and personal information reported without proper verification. You are required under the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards to ensure that all data you furnish is 100 % accurate, complete, and verifiable.

The reported delinquency and inquiries lack sufficient proof. Reporting unverifiable or inaccurate information violates federal law, and any party reporting such data " knew or should have known '' of its unlawful nature per 15 U.S.C. 1681.

I hereby demand that you : Conduct a full investigation into each disputed item.

Provide physical, verifiable documentation supporting the accuracy, legal existence, and permissible purpose of each account and inquiry.

DELETE any information for which you can not provide complete and documented proof.

Failure to comply with these demands will leave me no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General for further investigation of your non-compliance.

Below are the specific items being disputed : Personal Information Disputes : Employer : XXXX XXXX  Incorrect Name : XXXX XXXX   XXXX Employer : XXXX XXXX XXXX XXXX  Incorrect DOB : XXXX Incorrect Name : XXXX XXXX XXXXXXXX XXXX Incorrect Current Address : XXXX XXXX XXXX, XXXX XXXX, CT XXXX Account Disputes : Collection : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX  You are authorized to send me all physical documentation regarding this investigation, including updates to my credit report reflecting these corrections or deletions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: IL

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made. 

I have reviewed my credit report and found inaccurate information. I request that you help me dispute these inaccurate information I have included in the letter I attach to this complaint. The letter contains my intention to investigate each items and how I would like them to conduct investigation and provide me proof how they look into these accounts in error listed on my credit report. I have also attached my credit report for your reference to investigate. I need them to delete and block these inaccurate accounts from reflecting on my credit report CHARGE OFF Accounts : 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 2025-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I am filing this complaint to address an unfair and unresolved issue concerning lender-placed insurance charges on my mortgage loan. 

Prior to XX/XX/year>, my mortgage was serviced by XXXX. Before the transfer of my loan to Rocket Mortgage on that date, I had canceled my escrow account with XXXX and took personal responsibility for maintaining homeowners insurance coverage. 

Despite this, XXXX charged me {$1100.00} for a lender-placed insurance policy through XXXX XXXX XXXX for XXXX period XX/XX/year> to XX/XX/year>. I independently purchased valid homeowners insurance effective XX/XX/year>, which meant the lender-placed policy was not necessary from that date forward. I have provided proof of this coverage. 

I have repeatedly contacted XXXX, Rocket Mortgage, and XXXX XXXX XXXX to correct this improper charge. However, each party refuses responsibility : XXXX claims they can not adjust the charge because they no longer service my loan. 

Rocket Mortgage states they can not revise the charge since they were not the servicer at the time. 

XXXX XXXX XXXX refuses to adjust because they no longer have a relationship with XXXX. 

This is unacceptable. I am unfairly charged for lender-placed insurance during a period when I had valid insurance and had specifically canceled my escrow account to handle insurance payments myself. All involved parties are deflecting responsibility, leaving me financially harmed.

Resolution Requested : I seek a full refund ( or account credit ) for the portion of the lender-placed insurance premium covering XX/XX/year> to XX/XX/year>, approximately {$1000.00}, and written confirmation that this matter has been resolved without negative impact to my mortgage account. 

I request the Consumer Financial Protection Bureau investigate this matter and require the responsible party to issue the appropriate refund or credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I contacted XXXX XXXX XXXX to resolve a collection account listed on my credit report. Initially, I was unable to speak with a representative due to their automated system saying my address was incorrect. After several attempts, I finally spoke to a representative who informed me that the address on file was outdated and tied to a company called XXXX, which they claimed was the original creditor. 

I told the representative that this was not my current address and that I have no knowledge of this debt or any account with XXXX. Furthermore, I was told that the original company is no longer in business, making it difficult to verify or validate the origin of the debt. 

I provided my correct address during the call and requested more information about the debt, including verification and documentation. I also attempted to discuss options for resolution, such as a pay-for-delete settlement, but was not offered any helpful direction. The situation has left me unable to verify or resolve the debt, and I am concerned that this account may be inaccurate or falsely attributed to me.

I am requesting : 1. Full validation of the debt, including original documentation from the original creditor 2. Investigation into the accuracy of this debt and the reporting 3. Removal of the account if it can not be properly validated

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 2025-06-20 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: IL

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report. 

Attached are documents supporting my claim, including a copy of my credit report with the disputed account highlighted, and proof of identity. Remove these fraudulent accounts and inquiries now. " I DO NOT CONSENT FOR A FRAUD ALERT TO BE PUT ON MY CREDIT REPORTS ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TransferWise Ltd
State: FL

Complaint narrative:
I have received an email saying that I had been asking for change of my password on XXXX XX/XX/year> at around XXXX pm that same day and I called immediately and from ther day on I have been frozen into my account even though the invader had the opportunity to change back again the phone number for twice and I have been calling since then and being verified already many times and changed the password and emails information and prone number back to my own but even after all that effort from my side it has t been solved yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I am filing this complaint against both Experian and Equifax for inaccurate and inconsistent reporting of a dismissed XXXX XXXX XXXX 

Bankruptcy Filing Date : XX/XX/XXXX - Consolidated XX/XX/XXXX Case Number : Consolidated Case number : XXXX Dismissed after XXXX years due to documented spouse XXXX hardship On XX/XX/XXXX XXXX has fully removed this public record as unverifiable. Equifax and Experian refuse to update or remove the same item despite FCRA requirements to ensure accurate and complete reporting after XXXX attempts at disputing with proper documentation. 

This inaccurate and inconsistent reporting is creating unnecessary harm to my ability to secure rental housing and is not reflective of my current financial condition. 

The bureaus are reporting my XXXX XXXX as still open and active. 


However : It was dismissed in XXXX. 


It was filed in early XXXX. 


There has been no trustee activity or active repayment plan since dismissal. 


They are misreporting both status and date which I believe is in violation of FCRA 607 ( b ) : Consumer reporting agencies must maintain maximum possible accuracy. 


Supporting documents are available upon request. 

Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation