vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Account XXXX XXXX  # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, pleasse provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX - {$670.00} XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX XXXX {$7000.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$10000.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-04 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 not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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: NJ

Complaint narrative:
Here I am again, disputing the same account. Experian continues to report a XXXX XXXX XXXX account ( XXXX ) that I never authorized and have disputed multiple times despite the fact that XXXX and XXXX have already removed it. Experian has never provided any proof of ownership, consent, or permissible purpose, which is required under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681e ( b ) ( accuracy ) and 1681b ( permissible purpose ). The continued reporting of this unverifiable account is damaging my credit and causing ongoing harm and stress. To make matters worse, Experian is also reporting an address Ive never lived at : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX. This address has no connection to me whatsoever. My only valid and current address is XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, and Im demanding that it be updated on my file and that all other incorrect addresses be permanently removed. I am requesting that this account be permanently deleted ASAP, and that Experian update and correct my credit file to prevent further harm and noncompliance. I urge the CFPB to investigate and take enforcement action against Experians repeated FCRA violations.

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 2025-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-04-04 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 a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  XXXX - XX/XX/XXXX - {$1600.00} XXXX - XXXX - XX/XX/XXXX - {$190.00} INQUIRIES : 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 non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: HANCOCK WHITNEY BANK
State: FL

Complaint narrative:
I was the victim of fraudulent activities in my IRA with XXXX XXXX. XXXX XXXX investigated the fraud. I have enhanced my security with XXXX XXXX. I am trying to enhance my security with my bank. I want the bank to send a code to my phone every time I log-in from my regular lap-top. The bank staff state that their rules only permit a code to be sent to my phone if I log-in from an unknown device. I wish that rule to be changed to allow a code to be sent every time to my phone when I log-in through my regular laptop.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: Nelnet, Inc.
State: IL

Complaint narrative:
DEPT OF EDUCATION " NELNET '' has responded to my complaint stating they understand my concerns, but has not confirmed it hasn't been accessed illegally, they have not confirmed my personal, and financial date including the IRS information has been accessed which means my Complaint is still valid. which makes NELNET response to my complaint invalid The severity of this breech and the violations that has been committed my student loan debt has the right to be cancelled because it invalidates the integrity of my loan agreement. I would like a formal investigation into this data breach including details of my records were accessed, who accessed them, and for what valid reason? this breach has caused significant distress and concern regarding the security of my personal and financial data. due to the response I am forced to escalate this matter through legal channels, including filing complaints with the Federal Trade commission ( FTC ) the CFPB and pursuing legal action against the responsible parties. I requested a written response addressing these concerns and outlining the immediate actions being taken to remedy this situation. My academic, personal data, and IRS records has been accessed. " Members of ( DOGE ) fed sensitive education department data including personally identifiable information for those who manage grants, and sensitive internal financial data from the agency-into an artificial intelligence software to access it's programs and spending. " DOGE has accessed sensitive financial data of millions Americans. the intrusion of individuals privacy is enormous and unprecedented ''. therefore I need it in writing that my personal and financial data has NOT been ACCESSED. NELNET response isn't addressing the matters of consumers such as myself, " someone who trusted Department of Education/NELNET with their sensitive information when we applied for XXXXXXXX XXXX XXXX and grants in reliance of the agency 's rules and other representations ''. FERPA as been violated as well this federal law suppose to protect the privacy of student education records. I'm not estatic with NELNET 's response it's not informative enough, it doesn't state the facts nor does it confirm these actions weren't taken, How did I know my information is secured? how am I out of XXXX  of XXXX information wasn't accessed?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

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 non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am respectfully writing you to dispute the bankruptcy listed on my credit report. I have a letter from the court verifying that this bankruptcy must not be disclosed. Moreover, an unapproved external party is included, which complicates this issue further.

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 2025-04-04 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: TX

Complaint narrative:
I dont agree with the account listed below, which still appears on my credit report even after your investigation, I would like this account immediately re-investigated these inaccuracies are highly injurious to my credit rating.

Furthermore, in accordance with the Fair Credit Reporting Act, Public Law 91506, Title VI, section 611, subsection A-D please provide the names and business addresses of each individual with whom you verified the above so that I may follow up.

Please forward me an updated credit report after you have completed your investigation and corrections. Your cooperation and prompt attention are greatly appreciated. 

( XXXX XXXX XXXX Account number : XXXXXXXX )

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 2025-04-04 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: CA

Complaint narrative:
I filed a dispute on XX/XX/XXXX Report Number XXXX through Experian.com and through transunion.com to have my XXXX XXXX removed as a result of the serious and egregious violation of my personal and financial privacy, which has resulted in the unauthorized access and compromise of my sensitive information. I believe that this breach constitutes a direct violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ), the Privacy Act of 1974, and the Higher Education Act of 1964.

With the violations in place the loans should have been removed from my Experian and Transunion report. I also filed a complaint backing XX/XX/XXXX against Experian and transunion for the same reason of not doing an investigations and removing incorrect info from my credit report. They claim I did not specify a specific account but I did when the dispute was originally filed and they did not investigate it. 

the accounts listed below are from my Experian report and either paid and closed or just closed and Experian still refuses to remove them. Along with the student loans that are still on my credit. I also disputed this info with XXXX and they have removed them. I am also legally obligated to have all XXXX credit reports report the same information. 

XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account 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 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.

Complaint narrative:
What happened was, I reviewed my credit report and noticed that some of the personal information listed is inaccurate. Specifically, the addresses are outdated, and the employers mentioned are no longer current.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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: TX

Complaint narrative:
I disputed inaccurate reporting of XXXX XXXX XXXX ( Account # XXXX  ) with Experian, providing : Proof of lawful payment via negotiable instrument ( XXXX XXXX ) Evidence of illegal repossession ( XXXX  XXXX  XXXX Code 348.408 - no valid notice ) VA XXXX verification ( XXXX XXXX  % interest cap violation ) Experian violated the FCRA by : Failing to investigate my XXXX XXXX claim ( 15 U.S.C. 1681i ) Refusing to remove XXXX fraudulent 'charge-off ' Not notifying me of reinsertion ( FCRA 1681i ( a ) ( 5 ) ( B ) )

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 2025-04-04 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: LA

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 non-monetary relief
Consumer complaint received 2025-04-04 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: TX

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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 2025-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

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 non-monetary relief
Consumer complaint received 2025-04-04 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: PNC Bank N.A.
State: CO

Complaint narrative:
PNC closed my HELOC account with no notification in XXXX of XXXX due to the false information on fraudulent charges on XXXX XXXX XXXX XXXX XXXX. I have gone through the process multiple times providing all information necessary to PNC to reinstate my HELOC and they are refusing even though they have acknowledged that issues with the fraudulent charges that XXXX XXXX has slowly been removing and correcting their incorrect reports. 

PNC continues to state that my debt to income ratio is bad, when my credit reports all show results between XXXX  % and XXXX  %. Additionally I provided my debt to income ration in XXXX of XXXX and XXXX of XXXX to PNC and they stated they didn't care that it clearly demonstrates that there are no issues with my debt to income ratio and that it's better lower percentage in XXXX than it was in XXXX. 

PNC continues to violate my contracted HELOC by using biased algorithms and discrimination against me and not re-opening my secured loan with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXXXX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 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 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax Information Services LLC XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX XXXX Social Security XXXX XXXX XXXX XXXX resident of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : XXXX Applicant Identification : Full Name : XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements.

3- Attached Documentation : I have attached the following documents to verify my identity and process my request : a. A copy of my drivers license or government-issued ID.

b. A copy of a recent utility bill or bank statement confirming my current address.

c. A copy of my Social Security Number.

4- Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowle
dge. This request is made in good faith to protect my credit information.

5- Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I need your help investigating accounts from companies that have inaccurately reported late payments. After reviewing my credit report, I found certain accounts showing late payments that should not be there. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to reflect a positive status as agreed.

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 2025-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I WAS CHARGED BY YOU BANK - {$92.00} DOLLARS FOR THREE TRANSACTIONS MADE ON THE XXXX OF XXXX BEFORE I NEVER MADE THESE TRANSACTIONS, THESE ARE FREE TRANSACTIONS FROM LYFT THERE WERE NO XXXX XXXX FOR THESE TRANSACTIONS ON XX/XX/year>? AND NOW YOUR BANK IS TRYING TO SAY THERES AN XX/XX/year>XXXX  XXXX  TRANSACTION NO THERES NOT! I HAVE ATTACHED PROOF FROM YOUR BANKING APP THAT ALL THREE TRANSACTIONS WERE FREE AND THE CONSUMER BUSINESS PROTECTION ACT SAYS IM NOT LIABLE ACCORDING TO THE LAW! PLEASE HELP ME CORRECT THIS ERROR AS YOU AS POSSIBLE? XXXX XXXXXXXX XXXX XXXX XXXX Cc : OWNER XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation