vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 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: FL

Complaint narrative:
Incorrect information has been reported on my credit report to all XXXX credit bureaus. I have made several attempts to resolve the issue by filing several disputes through the bureaus to no avail. Because of my XXXX I was forced to XXXX retire from the Federal Government due to injuries sustained from my XXXX service. It took XXXX  years before the Government finalized my XXXX which left me with a XXXX XXXX  debt. I have paid about {$10000.00} back to the agency in XX/XX/year>, but they refused to update my file with the lower amount. The agency insisted that I should the incorrect information should remain in my credit for 7 years. 

This is considered incorrect and I would like to get this only negative account removed from my credit from all credit bureaus. Please see enclosed. 


Please see below : XXXX XXXX XXXX XXXX  has flagged your account as Collection account with Equifax, which XXXX negatively impact your XXXX XXXX based on TransUnion XXXX. 
Source : TransUnion XXXX : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX Activity : Collection account

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 2025-05-16 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: FL

Complaint narrative:
Incorrect information has been reported on my credit report to all XXXX credit bureaus. I have made several attempts to resolve the issue by filing several disputes through the bureaus to no avail. Because of my XXXX I was forced to XXXX retire from the Federal Government due to injuries sustained from my XXXX service. It took XXXX  years before the Government finalized my XXXX  which left me with a XXXX XXXX debt. I have paid about {$10000.00} back to the agency in XX/XX/year>, but they refused to update my file with the lower amount. The agency insisted that I should the incorrect information should remain in my credit for 7 years. 

This is considered incorrect and I would like to get this only negative account removed from my credit from all credit bureaus. Please see enclosed. 


Please see below : XXXX XXXX XXXX XXXX has flagged your account as Collection account with Equifax, which XXXX negatively impact your XXXX XXXX based on TransUnion XXXX. 
Source : TransUnion XXXX : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX Activity : Collection account

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 2025-05-16 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/2024, XXXX XXXX XXXX/2024, XXXX XXXX XXXX XXXX XXXX/2024, XXXX XXXX XXXX XXXX2024, XXXX XXXX XXXX/2024, XXXX XXXX XXXX/2024, XXXX XXXX XXXX XXXX/2024, XXXX XXXX XXXX2024, XXXX XXXX XXXX XXXX2024, XXXX XXXX XXXXXXXX XXXX XXXX2024, XXXX XXXX XXXX XXXX/2024. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX 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 non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/XXXX I received a mailed special offer from Huntington Bank to open a Perks Checking account and receive a {$400.00} bonus for opening the account and completing required activities. I opened the account XX/XX/XXXX via the online portal and entered the private promotional code to receive the bonus. After completing opening the account I received an error message that stated " We were unable to apply the promotion at this time. To apply your promotion, please go to your nearest branch or call us at XXXX. '' On XX/XX/XXXX I deposited {$1000.00} of new money into the checking account as part of the required activities to earn the bonus. I called Huntington later that week and they said I needed to go into a branch to figure out the issue with the promotion. On XX/XX/XXXX I went into the XXXX, Ohio branch and spoke with a teller, which Huntington has a record of them accessing my account to confirm I was in the branch in person. She stated that the promotion would be applied as long as I completed the required activities and not to worry. I left the branch after being told essentially that Huntington would fulfill their obligations, if I was able to complete the required activities as part of the contractual agreement of opening the checking account. 

I then waited the required 90 days and kept the account open for this time and then waited the additional 14 days for the bonus to be deposited into my account, which should have been around XX/XX/XXXX at the latest. On XX/XX/XXXX I intiated a chat with " XXXX '' who opened case # XXXX for the issue. On XX/XX/XXXX I received a call from XXXX XXXX at Huntington and I relayed all of these details to him. At this point, he asked me for the private promotional code that I input when opening the account, nearly 4 months prior. 

I was not told that I needed to memorize or otherwise keep the code when I agreed to the the terms and conditions of opening the account, nor did the person I spoke with on the phone, nor did the teller at the bank in person inform me that I would need to present the code at some point in the future. It is unreasonable for them to expect ( with no written requirement ) for me to keep or otherwise maintain this code for XXXX months, after I was told in-person at the bank that I would receive my bonus as long as I fulfilled the qualifying activities. 

I have proof that I received the targeted mailer from Huntington, which I have both the USPS scan of the mail and the mail in my trash can with the details of the account opening and happenings that I hand wrote on the outside of it before throwing it away. I entered the promo code which generated the error message which I will attach screenshot of the error message. I also have the screenshots of the intial chat. I also attached a screenshot of the XXXX minute call log conversation with XXXX XXXX at Huntington.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-16 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: GA

Complaint narrative:
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 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  * List of Unauthorized Inquiries : XXXX XXXXXXXX XXXX XXXX XXXX 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 seven 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 explanation
Consumer complaint received 2025-05-16 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:
Considering I did not create these against the law accounts and was uninformed of their existence, please kindly eliminate them from my credit report. I anticipate having them removed within 15 days in accordance with USC 1681g. Please refer to the additional documentation provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: PA

Complaint narrative:
I was charged {$850.00} by XXXX on XXXXXXXX  and was not supposed to be! I immediately contacted XXXX XXXX and they assured me my payment would be reversed/ refunded within 5-10 business days. We communicated and said forward to be on the look out for my funds. I contacted XXXX again and was told the funds were refunded. It is now XXXX and my funds are not in my account. I reached out to chime and had to file a dispute XXXX. Today was claimed was denied and when I called to ask if I can appeal the decision XXXX I was told I could only appeal with new information. However maybe its the investigation process or actual investigators who need to reinvestigate further and search for new information that could assist me with my dispute. I am a single mother and I been out of {$850.00} for 2 months. I need my funds returned to my account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: IN

Complaint narrative:
To Whom It May Concern, I am writing to formally request a full audit and review of my federal student loans and grants serviced under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I believe some of these funds may have been improperly disbursed or managed, and I am seeking immediate action to address these concerns. 

Specifically, I am requesting the following : 1.A full audit and refund of any student loan funds that were disbursed improperly, including funds issued in connection with institutions that may have engaged in misconduct or misrepresentation.

2.Reversal of any interest or fees that accrued as a result of these disbursements. 
3.A complete review of my XXXX XXXX XXXX XXXX including any amounts that were improperly retained or misapplied. 
4.A refund of any payments made during the COVID-19 emergency relief period, which should not have been collected while payments and interest were supposed to be paused. 
5.A written explanation of my legal options, including but not limited to the Borrower Defense to Repayment process, as it relates to any loans tied to potentially deceptive institutional practices. 

I respectfully request that this matter be handled with urgency and that I receive a written response detailing the outcome of your review and the next steps available to me.I am submitting this application for Borrower Defense to Repayment based on misrepresentations made by XXXX University and XXXX University. 

At both institutions, I was led to believe that my degrees would significantly enhance my career prospects and earning potential. I relied on these promises to justify the cost of tuition and to take out federal student loans and accept federal grants. However, after graduation, I found that my degrees did not offer the return on investment I was led to expect. 

Specifically : XXXX University promoted programs with promises of high job placement rates and strong starting salaries. However, after graduating, I struggled to find employment in my field and was offered positions that did not require a degree or that paid significantly less than advertised outcomes suggested. 
XXXX  University provided misleading information about the transferability and value of credits, as well as support services and career placement resources that were either unavailable or ineffective. This made it difficult to gain relevant employment, leaving me with debt but no realistic path to repay it. 

I am including documentation from the National Student Loan Data System ( NSLDS ) that lists all my federal loans and grants, including those associated with both institutions. 

Based on the misrepresentations made by XXXX University and XXXX  University and the resulting financial harm, I respectfully request full discharge of my federal student loans under the Borrower Defense to Repayment provisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I kindly request the immediate removal of this incorrect late payment from my account. My payment history has always been punctual, and this error is causing unnecessary concern. Please update my account accordingly.

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 2025-05-16 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: NC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Complaint Regarding Unfair Auto Loan Practices and Request for Review To Whom It May Concern, I am writing to file a formal complaint regarding an auto loan I received through Ally Financial in XX/XX/year>, when I was only XXXX XXXX XXXX. The loan was issued at an interest rate of nearly 18 %, which I now understand to be extremely high especially for a first-time borrower with limited financial knowledge. 

At the time of signing, I was severely pressured by Sales men at XXXX XXXX XXXX in XXXX XXXX GA, and intimidated into signing the documents without being given a clear explanation of the interest rate or overall terms. I felt rushed and manipulated during the process, and I did not feel I had the opportunity to fully understand what I was agreeing to. 

Key concerns include : Lack of transparency about the high interest rate. 
No clear explanation of added costs like GAP insurance and other fees.

Being pressured and misled by dealership staff, who took advantage of my age and inexperience.

Being denied the opportunity to review or question the documents before signing.

Additionally, I am requesting that all late payments associated with this loan be removed from my credit report. These delinquencies are the direct result of being placed into a loan under deceptive and coercive circumstances. They are unfairly damaging my credit standing and were incurred through no fault of my own understanding or intent.

Given these facts, I am respectfully requesting the Consumer Financial Protection Bureau ( CFPB ) to : 1. Investigate Ally Financial and the associated dealership for possible predatory lending and deceptive sales tactics.

2. Assist in having the loan removed from my credit report or renegotiated to reflect fair and informed terms.

3. Help ensure the removal of all late payment records linked to this loan.

Thank you for your time and attention to this matter. I am prepared to provide any supporting documents needed to assist with this review and investigation. 

Sincerely, XXXX XXXX XXXX Loan Date : XX/XX/year> Lender : Ally Financial Dealership : XXXX XXXX XXXX XXXX Rate : Approximately 18 % Age at Time of Agreement : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: OR

Complaint narrative:
Bank errors related to billing and reporting are negatively impacting my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors are required to accurately reflect payments and credits, but several issues have arisen : payments I made were not properly recorded, and there are clear calculation errors in the reported amounts. Additionally, I was not provided with the required 21-day notice before a payment was due, making any late payment marks invalid. These inaccuracies are a clear violation of federal law and unfairly harm my credit standing.

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 2025-05-16 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with TransUnion, Experian and Equifax regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: MO

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 2025-05-16 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: MO

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
b'I am filing this complaint because Radius Global Solutions is reporting a debt on my credit report without validating it, despite my timely request for debt validation.\n\nOn XXXX XXXX, 2025, I sent Radius Global Solutions a written debt validation request via XXXX  Priority Mail to their official correspondence address. According to XXXX tracking   (XXXX XXXX XXXX XXXX XXXX XXXX), the letter was delivered on XXXX XXXX, 2025. I have retained a copy of the letter and proof of delivery.\n\nDespite receiving my request, Radius Global Solutions has not responded, nor have they provided any documentation to validate the debt. However, they have continued to report the alleged debt to the three major credit bureaus. This ongoing reporting, without proper validation, appears to violate both the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA).\n\nI am requesting that the CFPB investigate this matter and take appropriate action to ensure Radius Global Solutions complies with federal law by either validating the debt or ceasing all collection activity, including credit 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 non-monetary relief