vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 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:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2025-06-30 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: GA

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2025-06-30 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:
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 a personal credit card account opened at XXXX XXXXXXXX XXXX  on XX/XX/XXXX under the account number XXXX, an personal loan account opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, and a collections account at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$380.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 non-monetary relief
Consumer complaint received 2025-06-30 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I placed an order through XXXX online totaling {$160.00} for XXXX items of clothing and jewelry. My order was broken up into several separate deliveries and XXXX stated that all were under one tracking number and delivery. I received a single necklace I did not order, and XXXX falsely claimed that the entire order was delivered. I contacted Chase ( my credit card company ), and they initially reversed the charge but later closed the dispute after the merchant provided a tracking number. 

I then contacted the USPS and received written proof that the package delivered weighed only XXXX oz, not the XXXX lbs stated on the shipping label. USPS confirmed that the package could not have contained XXXX items and that this likely indicates sender fraud. They advised me to submit their statement to my creditor as proof. 

Chase has refused to reopen the case despite this new evidence. I am requesting CFPBs assistance in having the charge reversed and holding the merchant accountable for misrepresenting the shipment and failing to deliver the paid-for items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: NV

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 2025-06-30 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: LEXISNEXIS
State: MS

Complaint narrative:
Prior to XX/XX/year>XXXX  I sent a letter notifying Lexis Nexis about concerns that replied o. With the information I received the issue was not resolvedPrior to XX/XX/XXXX, I repeatedly sent letters and notified LexisNexis about serious concerns regarding my consumer report. Despite my efforts and multiple reminders, they continue to insist that the information is accurate, even though I have verified multiple times that it is not. They persist in collecting and selling this false information, which is not only wrongful but also unlawful. I demand that they REMOVE this inaccurate information immediately, without further delay. Their continued neglect and misconduct are unacceptable and deeply troubling.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: CA

Complaint narrative:
XXXX'I have exceptional credit and have always been over a XXXX XXXX  score.  During the refinance process of my current mortgage, my lender informed me that Nelnet had marked my account with the following 30 day lates:\n 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 XXXXI was never notified by Nelnet that my deferred student loans with the following account #s below had been re-activated and were now in repayment.  I was not contacted by phone, US post office mail or email as required by law.  When I found out these had been activated, I immediately called Nelnet.  I paid the past due charges over the phone and they set me up on a new repayment plan starting XXXX  I have never missed my Nelnet charges prior to COVID and I would never let these loans become late.  I was just NEVER notified.  As you can see from the attached letter, everything is now current.XXXX XXXXI am respectfully requesting this be researched and that these erroneous lates be removed from my credit report as they are causing significant financial harm to my credit.\n \nRespectfully submitted,XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
I am writing to formally dispute the accuracy of a credit collection currently being reported on my credit file. Upon recently reviewing my credit reports, I was shocked to find this account is still listed despite having been fully paid. It was my understanding that upon payment, credit coll would remove the tradeline from my credit report. However, this collection remains, inaccurately reflecting a negative status and negatively impacting my credit profile. As a result, I have been unable to secure credit and it is jeopardizing my ability to obtain approval for a home loan. Under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into this matter and the removal of this account from my credit report. I am requesting that credit coll immediately remove the collection from my credit reports.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: FL

Complaint narrative:
I am filing this complaint because my rights as a consumer have been blatantly violated under the Fair Credit Reporting Act. I have disputed these accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX multiple times, yet it continues to remain on my credit report despite the fact that I did not authorize it, never consented to its reporting, and have received no legitimate documentation to justify its presence. This is a recurring issue that has not only damaged my credit score but has caused serious emotional distress, anxiety, and an overwhelming sense of frustration. I feel like Im being ignored and mistreated by the credit reporting agency that is supposed to ensure the accuracy and integrity of my consumer file. Under the FCRA, I am entitled to accurate information and a fair dispute process. The credit bureau has violated several federal laws by continuing to report these unauthorized accounts. Specifically, this is a violation of 15 U.S.C. 1681b, which prohibits the reporting of information without a permissible purpose. They have also violated 15 U.S.C. 1681e ( b ) by failing to ensure the maximum possible accuracy of the information they are furnishing. I exercised my rights under 15 U.S.C. 1681i ( a ) by filing a formal dispute, yet the bureau failed to perform a proper investigation. To make matters worse, I have repeatedly requested a detailed explanation of how this account was verified, and no meaningful response has been providedanother clear violation under 15 U.S.C. 1681i ( a ) ( 7 ). I continue to receive the same generic and unhelpful responses from the credit bureau claiming that the account was verified as accurate. Thats not an acceptable answer. I am demanding a full explanation of how this information was verified. If they can not provide that, then the accounts must be deleted immediately. Experian 's actions demonstrate a pattern of willful and negligent noncompliance, which falls under 15 U.S.C. 1681n and 1681o. Their continued refusal to correct inaccurate, unauthorized, and unverified information is not only damaging to my credit, but its also unlawful. I am demanding immediate intervention, enforcement, and correction. I have suffered enough harm from their negligence, and I will not stop until my consumer report is corrected and my rights are respected.

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 2025-06-30 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: TN

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: NRA Group, LLC
State: OH

Complaint narrative:
Have been receiving frequent calls from ( XXXX ) XXXX. Finally, they left a voicemail stating that it was regarding a lawsuit under my name. It said for me to call XXXX back at XXXX. There was a file number link. When I got to a representative, they informed me it was a civil suit against me from XXXX XXXX XXXX for around {$9900.00} and around {$11000.00} with interest. They my social security number. Said that they not only tried to serve papers at my current address, but also a very old address. I have never, to the best of my recollection, had credit with this company. I did confirm the last 4 digits of my social. But not the entire number. My daughter called it a scam. Hung up. Name is 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 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/year>, I mailed XXXX a good-faith settlement offer of {$1000.00} to resolve a disputed account tied to an unauthorized XXXX withdrawal. The amount withdrawn was {$840.00} more than four times what I had authorized and it caused real financial disruption. 
When I didnt receive a response, I sent a second certified letter on XX/XX/year>, respectfully requesting a written reply and offering to settle the account amicably. Unfortunately, instead of a formal response, I later received a generic form letter on XX/XX/XXXX categorizing the issue as a transaction dispute not the settlement it clearly was. 
In XXXX, I discovered that XXXX had reported a major derogatory mark to my credit file, despite never acknowledging or addressing the offer. This happened without any denial, counteroffer, or written explanation. On XX/XX/XXXX, I sent a final letter disputing the reporting under Section 623 of the Fair Credit Reporting Act ( FCRA ), and Im now filing this CFPB complaint as stated. 
Im not trying to be difficult Ive tried to resolve this respectfully and directly, and I remain open to doing so. Im simply asking that XXXX : Formally respond to my XX/XX/XXXX and XX/XX/XXXX letters Remove or correct the derogatory credit entry while this remains unresolved Review how this matter was handled in light of FCRA requirements Ive attached both letters and supporting documentation and truly hope this can be resolved fairly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned 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 2025-06-30 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: OH

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  ] Account Number : [ 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 2025-06-30 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:
I have previously disputed with Experian, Equifax and XXXX  regarding multiple accounts that are inaccurate. As of today, I have not received any responses or 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 are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-06-30 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: FL

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 if the person knows or has reasonable cause to believe that the information is innacurate

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 2025-06-30 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:
As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c 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 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CLGF Holdco 1, LLC
State: IN

Complaint narrative:
THESE FRUADULENT ACCOUNTS ARE TO BE REMOVED IMMEDIATELY ACCORDING TO FCRA:15 U.S. CODE S 1681s-2 ACCOUNT NO : XXXX AMOUNT : {$2000.00}

Company response to consumer: Closed with non-monetary relief