vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-24 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: CO

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 2025-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Associated Credit Services, Inc.
State: IL

Complaint narrative:
Ive gotten two different bills from this company. I do not recall any agreements with them. I am unfamiliar. Please provide all documents explaining my obligation to pay you all anything regarding this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am a victim of XXXX XXXX XXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

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 2025-02-24 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: NY

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX Account Number : XXXX AFFIRM XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX Inquiry 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 2025-02-24 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: MS

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
Wanted to make an international transfer. I called US bank and was told the fee was {$45.00} dollars. When I went to the bank to make the actual transfer, I was informed the fee was actually {$50.00} and that the person on the phone gave me the wrong information. I proceeded to make the transfer. When the receipt was printed, there was an additional {$18.00} charge. I asked the teller to explain the additional fee, which he didnt know was there until he looked at the final paperwork. I requested manager review and the feedback was the manager also didnt know why the fee was there. I was informed that waiving the fee was not an option.

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 2025-02-24 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: TN

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history 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 to be 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.

EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 


Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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:
I have tried to get Equifax to help in removing inaccurate and fraudulent information. I have submitted police reports, FTC reports, and proper indentification. They removed items initially and then reinserted them, which is violation of the law. 

See documents attached ....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: TX

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 explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NE

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 response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: OH

Complaint narrative:
I am filing this complaint against NELNET for their lack of clear communication regarding my federal student loans and their failure to provide sufficient hardship options in the current economic climate. 

The transition from XXXX XXXX to NELNET has been confusing and stressful. The governments handling of student loans has been inconsistent, and servicers like NELNET have made it even more difficult for borrowers to understand their options. Unlike XXXX, which previously allowed deferments and payment skips, NELNET has not been offering similar hardship options, making it nearly impossible to manage my loan payments. 

Due to these difficulties, my student loans have become more than I can afford, yet I have not been able to secure reasonable assistance from NELNET. Instead of providing clear guidance on deferments, forbearances, or income-driven repayment plans, their communication has been vague, unhelpful, and frustrating. 

As a result, my credit score recently dropped by XXXX points due to issues with my student loans. This has significantly impacted my financial well-being, making it even harder to keep up with other essential expenses. NELNET has not shown any consideration for borrowers facing financial hardship and has failed to provide the level of support that previous servicers, like XXXX, once did. 

I am requesting that NELNET : Improve their communication regarding available hardship options. 
Offer deferment or payment relief programs similar to those previously provided by XXXX. 
Work with borrowers experiencing financial hardship instead of allowing loans to negatively impact credit scores without offering real solutions. 
Correct any potential reporting errors that contributed to the drastic drop in my credit score. 
I urge the CFPB to investigate NELNETs handling of borrower communications and financial hardship programs, as many borrowers are facing similar struggles. 

Thank you for your time and attention to this matter. 

Desired Resolution : Provide clearer communication about available repayment options. 
Reinstate temporary deferment or forbearance options for borrowers in hardship. 
Address and correct credit reporting issues caused by NELNETs policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Recently, I conducted an investigation of my credit report and found several inaccurate and unauthorized items that should not be there. Despite my efforts to dispute these errors directly with the credit bureaus, they remain unresolved. 
There are multiple derogatory accounts on my credit report that I believe are being inaccurately reported. These accounts include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), credit bureaus are required to ensure maximum possible accuracy in reporting consumer credit information. Since the furnishers of these accounts have failed to provide sufficient verification proving their accuracy, they should be removed under FCRA 1681i ( a ) ( 5 ) ( A ). 
In addition to the inaccurate accounts, there are several hard inquiries on my credit report that I did not authorize. These inquiries include those from 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  Under FCRA 1681b ( a ) ( 2 ), a credit inquiry requires my explicit consent or a legally permissible purpose. Since I never applied for credit with these entities, these inquiries should be removed immediately in compliance with FCRA 1681b ( f ).

I have taken the necessary steps to dispute these inaccuracies with all three major credit bureaus on three separate occasions : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. According to FCRA 1681i ( a ) ( 1 ) ( A ), credit bureaus must investigate disputes within 30 days. However, they have failed to provide proper verification or remove the disputed items, which is a violation of my rights under the law. 
To resolve this issue fairly, I request the immediate deletion of the inaccurate negative accounts and the permanent removal of the unauthorized hard inquiries. Additionally, I expect written confirmation from the credit bureaus and furnishers that these items have been removed and that no unverifiable information will continue to be reported on my credit file, as required under FCRA 1681s-2 ( a ) ( 1 ) ( A ). If these corrective actions are not taken, I will explore legal remedies under FCRA 1681n, which provides for statutory damages in cases of willful noncompliance.

I appreciate the Consumer Financial Protection Bureaus attention to this matter and look forward to a prompt resolution to ensure that my credit report accurately reflects only verifiable and lawful 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 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Recently, I conducted an investigation of my credit report and found several inaccurate and unauthorized items that should not be there. Despite my efforts to dispute these errors directly with the credit bureaus, they remain unresolved. 
There are multiple derogatory accounts on my credit report that I believe are being inaccurately reported. These accounts include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), credit bureaus are required to ensure maximum possible accuracy in reporting consumer credit information. Since the furnishers of these accounts have failed to provide sufficient verification proving their accuracy, they should be removed under FCRA 1681i ( a ) ( 5 ) ( A ). 
In addition to the inaccurate accounts, there are several hard inquiries on my credit report that I did not authorize. These inquiries include those from 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  Under FCRA 1681b ( a ) ( 2 ), a credit inquiry requires my explicit consent or a legally permissible purpose. Since I never applied for credit with these entities, these inquiries should be removed immediately in compliance with FCRA 1681b ( f ).

I have taken the necessary steps to dispute these inaccuracies with all three major credit bureaus on three separate occasions : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. According to FCRA 1681i ( a ) ( 1 ) ( A ), credit bureaus must investigate disputes within 30 days. However, they have failed to provide proper verification or remove the disputed items, which is a violation of my rights under the law. 
To resolve this issue fairly, I request the immediate deletion of the inaccurate negative accounts and the permanent removal of the unauthorized hard inquiries. Additionally, I expect written confirmation from the credit bureaus and furnishers that these items have been removed and that no unverifiable information will continue to be reported on my credit file, as required under FCRA 1681s-2 ( a ) ( 1 ) ( A ). If these corrective actions are not taken, I will explore legal remedies under FCRA 1681n, which provides for statutory damages in cases of willful noncompliance.

I appreciate the Consumer Financial Protection Bureaus attention to this matter and look forward to a prompt resolution to ensure that my credit report accurately reflects only verifiable and lawful 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 2025-02-24 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: GA

Complaint narrative:
I am writing to formally dispute several inaccuracies in my Equifax credit file. These discrepancies violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 as I have tried multiple times to have Equifax correct the inaccurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: OH

Complaint narrative:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap.

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX . These accounts needs to be removed immediately.

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX stated on my credit report. All of these items are fraudulent and needs to be immediately removed!

MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP!

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX {$16000.00} Date Opened XX/XX/XXXX XXXX XXXX  {$1500.00} Date Opened XX/XX/XXXXXXXX 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 2025-02-24 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: TX

Complaint narrative:
I started receiving back to back credit inquiries that wasnt authorized by me. Its about a total of 12 inquiries from different installment lenders. Also I am listing about 6 accounts that are in violation to my rights. Please see below the accounts that are reporting unlawfully. 
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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: TX

Complaint narrative:
I started receiving back to back credit inquiries that wasnt authorized by me. Its about a total of 12 inquiries from different installment lenders. Also I am listing about 6 accounts that are in violation to my rights. Please see below the accounts that are reporting unlawfully. 
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 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