vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX 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. This fraudulent, inaccurate, and false information consists of 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 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 2025-06-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: CT

Complaint narrative:
XXXX called Nelnet to determine whether or not interest should be accruing under the save forbearance. They were not sure and transferred me to a supervisor who said that it should not be accruing. My account shows that it has been accruing. I asked for a refund of the interest that should not be on there, but the operator said that there was no interest charged on their end, although it shows interest added to my balance on all of my statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: GA

Complaint narrative:
according to 15 u.s.c. 1681b a credit inquiry may only be under certain circumstances and for permissible purposes. additionally, under 15 u.s.c. 1681i, I have the right to dispute inaccurate information on my credit report. the following inquiries were not authorized by me, and I request that they be removed from my credit report immediately. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/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 2025-06-19 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: LA

Complaint narrative:
To Whom It May Concern ; The reason for this letter is to dispute an unauthorized inquiry on my credit report. 

Made by : { XXXX  XX/XX/XXXX } { XXXX XX/XX/XXXX } { XXXX XXXX XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX } { XXXX XXXX XXXXXX/XX/XXXX } { XXXX XXXX XXXX XXXXXX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX } { XXXX XX/XX/XXXX - XX/XX/XXXX } { XXXX XXXX XXXXXX/XX/XXXX } { XXXX XX/XX/XXXX } { XXXX XXXX  XX/XX/XXXX } { XXXX  XXXX XX/XX/XXXX - XX/XX/XXXX } { XXXX  XXXX XX/XX/XXXX } { XXXX  XX/XX/XXXX } { XXXX XXXX  XX/XX/XXXX } Made with : TransUnion To my knowledge, I have not signed any documents authorizing your organization to view my credit history. Therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any documentation bearing my signature that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy be sent to my address listed above. 

For the sake of clarity, I will not accept any documentation that does not bear my signature authorizing you to make an inquiry into my credit file. Otherwise, anyone having stolen my identity could be behind this unauthorized inquiry. And YOU would be in violation of the Fair Credit Reporting Act. 
Assuming you do not possess such credit report inquiry authorization, I request that you remove the unauthorized inquiry from my credit report ( s ). I also request that you remove all of my personal information from your records and send me confirmation that you have complied with my request.

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 2025-06-19 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
THE ACCOUNT LISTED ON MY FTC REPORT ARE REPORTING INCORRECTLY

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: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: MS

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Date : XX/XX/XXXX To Whom It May Concern, RE : Formal Dispute and Request for Deletion Creditor : XXXX, XXXX XXXX XXXX, XXXX, OH XXXX Reported Charge-Off Date : XX/XX/XXXX Last Payment : XX/XX/XXXX Account Closed : XX/XX/XXXX Amount Reported Past Due : {$320.00} I am writing to formally dispute the accuracy and completeness of the information reported on my credit file regarding the above-referenced account. This account is listed as a charge-off, yet contains reporting inconsistencies that violate both the Fair Credit Reporting Act ( FCRA ) and Metro 2 credit reporting standards. 

Disputed Inaccuracies : XXXX. The account reflects a charge-off, yet your payment history reports XXXX instances of XXXX day delinquencies, which is not possible under Metro 2 or FCRA compliance. 

XXXX. The account is marked as closed in XX/XX/XXXX, but monthly reporting continues through XXXX with vague Warning indicators lacking proper codes or descriptors per Metro 2 guidelines.

3. The tradeline shows XXXX XXXX XXXXn-time payments, yet provides no accurate delinquency record, which fails to meet the complete and accurate standard set by FCRA 1681s-2 ( a ).

Under 15 U.S.C. 1681i and 1681s-2 ( b ) of the FCRA, you are required to conduct a full and reasonable investigation of this dispute. Additionally, under Metro 2 standards, if an account is charged off, the payment history must reflect late payments prior to the charge-off and cease reporting activity after the account is closed which is not the case here.

I Am Requesting : 1. The Method of Verification ( MOV ) used to validate this account.

2. Original documentation containing my signature ( e.g., signed agreement or contract ).

3. A full itemization and accounting of the balance owed.

4. Corrected and compliant payment history, or full deletion if such documentation can not be provided.

Given the clear Metro 2 violations and reporting contradictions, this tradeline appears inaccurate, incomplete, and unverifiable. Therefore, I demand that this account be permanently removed from all of my credit reports in accordance with FCRA 1681i ( a ) ( 5 ) ( A ).

You are required to respond within 30 days under federal law. If the information is not verified with proper documentation and Metro 2 compliance.

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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Date : XX/XX/XXXX To Whom It May Concern, RE : Formal Dispute and Request for Deletion Creditor : XXXX, XXXX XXXX XXXX, XXXX, OH XXXX Reported Charge-Off Date : XX/XX/XXXX Last Payment : XX/XX/XXXX Account Closed : XX/XX/XXXX Amount Reported Past Due : {$320.00} I am writing to formally dispute the accuracy and completeness of the information reported on my credit file regarding the above-referenced account. This account is listed as a charge-off, yet contains reporting inconsistencies that violate both the Fair Credit Reporting Act ( FCRA ) and Metro 2 credit reporting standards. 

Disputed Inaccuracies : XXXX. The account reflects a charge-off, yet your payment history reports XXXX instances of XXXX day delinquencies, which is not possible under Metro 2 or FCRA compliance. 

XXXX. The account is marked as closed in XX/XX/XXXX, but monthly reporting continues through XXXX with vague Warning indicators lacking proper codes or descriptors per Metro 2 guidelines.

3. The tradeline shows XXXX XXXX XXXXn-time payments, yet provides no accurate delinquency record, which fails to meet the complete and accurate standard set by FCRA 1681s-2 ( a ).

Under 15 U.S.C. 1681i and 1681s-2 ( b ) of the FCRA, you are required to conduct a full and reasonable investigation of this dispute. Additionally, under Metro 2 standards, if an account is charged off, the payment history must reflect late payments prior to the charge-off and cease reporting activity after the account is closed which is not the case here.

I Am Requesting : 1. The Method of Verification ( MOV ) used to validate this account.

2. Original documentation containing my signature ( e.g., signed agreement or contract ).

3. A full itemization and accounting of the balance owed.

4. Corrected and compliant payment history, or full deletion if such documentation can not be provided.

Given the clear Metro 2 violations and reporting contradictions, this tradeline appears inaccurate, incomplete, and unverifiable. Therefore, I demand that this account be permanently removed from all of my credit reports in accordance with FCRA 1681i ( a ) ( 5 ) ( A ).

You are required to respond within 30 days under federal law. If the information is not verified with proper documentation and Metro 2 compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: IL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-06-19 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: IL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: VA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-06-19 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: MD

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: WA

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 XXXXXXXX XXXX XXXX  WA XXXX ACCOUNTS : XXXX XXXX- Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$670.00}

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 2025-06-19 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: CA

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 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 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 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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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