vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 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: KY

Complaint narrative:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have XXXX  days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: TN

Complaint narrative:
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX I did not authorize this inquiry. I have never heard of these creditors. I contacted each place individually and explain my grievances. They have not moved forward with removing the inquiries. This is unfair.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: SC

Complaint narrative:
Nelnet is reporting multiple accounts as being delinquent. There is no XXXX or XXXX delinquency on my credit report. 
There are : Errors in Payment History : Discrepancies in payment dates, late payments incorrectly reported, or accounts marked as delinquent when they're not. 
Incorrect Account Status : Closed accounts reported as open, accounts you don't recognize, or incorrect credit limits. 

Also, it went against my XXXX rights

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: GA

Complaint narrative:
Identity theft, fraud accounts posted on my credit reports EQUIFAX, EXPERIAN, TRANSUNION

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX : {$2900.00} Open Date XX/XX/XXXX XXXX XXXX Balance : {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$8600.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance : {$5600.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance : {$1200.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance : {$600.00} Open Date XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$540.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance : {$450.00} Open Date XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX : {$380.00} Open Date XX/XX/XXXX Inquiries : XXXX XXXX Date XXXX XXXX, XXXX XXXX XXXX XXXX Date XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX, XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXX 2023

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: MD

Complaint narrative:
I recently discovered that my personal information was exposed in a national data breach. Upon reviewing my credit reports, I found accounts I do not recognize. I requested debt validation from the CRAs, but have not received a response. As a result, I filed an FTC complaint regarding the unfamiliar accounts. 

Attached are copies of my ID, the FTC complaint, the XXXX report confirming the data breach, and my debt validation 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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am disputing an inaccurate late payment entry reported by XXXX XXXX XXXX on my TransUnion, XXXX, and XXXX credit reports, Account Number : XXXX * * * *, dated XX/XX/year>, with a balance of {$1800.00}. This entry is not only incorrect but also likely the result of a data breach that exposed my personal and financial information. Given my diligent payment history, this entry is a significant misrepresentation of my financial responsibility and has unjustly damaged my credit profile. Late payments are one of the most critical factors affecting credit scores, and the presence of this inaccurate data is a severe breach of my consumer rights under the FCRA. 

Under 15 U.S.C. 1666 and 15 U.S.C. 1666 ( b ), credit reporting agencies are required to ensure the accurate reporting of late payment information. Continuing to report this erroneous late payment despite my clear dispute is a direct violation of these federal protections. This kind of negligence not only erodes consumer trust but also exposes individuals like me to unnecessary financial burdens, including higher interest rates, reduced access to credit, and ongoing financial distress. Given the significant impact of this error on my financial well-being, immediate corrective action is required.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Absolute Resolutions Corp.
State: VA

Complaint narrative:
I am submitting this complaint regarding Absolute Resolutions Corporation and their legal representatives, XXXX XXXX XXXX, XXXX, for knowingly reporting inaccurate and misleading information to all three major credit reporting agencies despite a court settlement and full payment. 

In XX/XX/XXXX, I was sued by Absolute Resolutions in XXXX XXXX, and the matter was formally settled in court. As agreed in the settlement, I paid the full amount in XX/XX/XXXX, with final payment completed on XX/XX/XXXX. The deadline to complete the payment was XX/XX/XXXX. 

Despite this matter being fully resolved through the court system and payment made in full, Absolute Resolutions verified the debt as open and with a balance of {$610.00} to the credit bureaus on XX/XX/XXXX, 202511 days after payment. 

This is a blatant violation of the Fair Credit Reporting Act ( FCRA ), as the debt : Is no longer owed, Was settled and satisfied via legal agreement, And is being reported in a way that is knowingly false and harmful to my credit profile. 

On XX/XX/XXXX I sent letters to both Absolute Resolutions and XXXX XXXX XXXX XXXX XXXX XXXX, providing proof of the court settlement and final payment. To date, I have received no response, and the derogatory tradelines remains active on my XXXX XXXX XXXX XXXX credit reports. 

I am requesting that : 1. Absolute Resolutions immediately cease all false reporting and update the tradeline to remove it entirely. Remove both Absolute Resolutions entry and the original loan tradeline ; as both are still showing even though it was sold.

2. The CFPB to investigate this entity for knowingly misrepresenting the status of a settled debt.

3. Any further reporting or collection attempts on this matter be permanently stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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:
Identity theft, fraud accounts posted on my credit reports EQUIFAX, EXPERIAN, TRANSUNION

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I received an email that credit application number XXXX that I never applied for was denied on XX/XX/year>. My credit is frozen so someone made an attempt to get credit in my name and committed identity fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Capital one has a hard inquiry with an address to a location Ive never lived for one of their credit cards I never applied for

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: PA

Complaint narrative:
In XX/XX/year> my student loans from years ago just started to reflect as late payments to my credit report. I called my financial aid to discuss options and only an amount of XXXX was due. On my credit report ALL 16 accounts from student loans reported individually. I was in the hospital XX/XX/year> giving birth and was not aware of the due dates or dues required of me. I have now rectified the accounts and they are current. However my credit score took a major hit due to the individual hits to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: MI

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate. XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: IL

Complaint narrative:
I checked my credit report in XX/XX/year>, and saw that there was an account on my report by XXXX XXXX  that does not belong to me. I disputed this with all bureaus. XXXX  removed this account, but Equifax and Experian refused to remove the account, even after I attached my police report for the last several dispute requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Complaint against Experian regarding false information from XXXX XXXX and violation of consumer rights I am submitting a formal complaint against Experian for retaining knowingly false information in my credit history, reported by XXXX XXXX, for over six years. Despite my appeals and the evidence I submitted, Experian has not removed the inaccurate data and has effectively blocked my ability to challenge it. 

The issue : XXXX XXXX claimed that I was over 30 days late on payments for XXXX and XX/XX/XXXX. These claims are completely false and contradict both the facts and basic logic. 

Facts : All of my payments were made automatically through my banks auto-pay system, active since XXXX. 

Payments for XXXX and XX/XX/XXXX were made on the XXXX, as confirmed by an official letter from my bank, which was provided to the credit bureau. 

No late fees were charged during this period, which would be mandatory for any true delinquency. 

On XX/XX/XXXX, I fully paid off the remaining balance of the loantwo years ahead of schedule. The idea that I could have had a delinquency of more than 30 days for XXXX is simply not possible if the entire loan was settled three days after the month ended.

Even a basic look at the timeline disproves XXXXXXXX XXXX claim. Yet Experian : Did not remove the false information; Did not allow me to upload supporting documents or submit an explanation ; Blocked further dispute options and ended communication. 


I respectfully request that CFPB : Investigate Experians handling of this case ; Ensure the removal of false information submitted by XXXX XXXX ; Restore my credit history based on factual accuracy ; Require Experian to maintain a functioning and accessible dispute resolution system.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: IL

Complaint narrative:
I am writing to file a complaint against the U.S. Department of Education and its servicer, Nelnet, regarding the negative reporting of multiple 90-day late payments on my federal student loans. 

These late payments were reported around XX/XX/year> and caused a XXXX drop in my credit score. However, I was unaware that my repayment period had resumed and was not properly notified. I was experiencing financial hardship and housing instability at the time, and I did not receive any clear communication about the deadline to resume payments after the COVID-related pause. 

I have since attempted to dispute the marks with the credit bureaus and contacted Nelnet for resolution. I am requesting that these negative marks be removed or adjusted based on my eligibility for XXXX XXXX, income-driven repayment, and the significant hardship I was facing. I also provided documentation showing I had recently received public assistance and experienced eviction-related proceedings. Currently still do not have a home but a place to stay for now! 

I believe this misreporting is damaging, especially considering the Department of Educations policies around XXXX XXXX and helping borrowers recover from pandemic-era disruptions. 

I request that the CFPB investigate this case and support the removal or correction of these damaging marks from my credit report. This has affected my ability to provide housing, financial stability, and peace of mind for myself and my child. 

Thank you for your help and attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On XX/XX/year>, I was contacted by XXXX XXXX XXXX  and asked if I had applied for an auto loan at XXXX 's XXXX XXXX XXXX in XXXX, XXXX. I said no, I had not. The man on the phone said that their computer system had flagged the inquiry as suspicious since I live in XXXX  and the purchase was being made in XXXX. He said someone was trying to take out a loan in my name to buy a XXXX XXXX. He recommended that I place a Fraud alert on my credit file, which I did. That is when I learned that over a several day period there were several hard inquiries on my credit report that were not from me, adversely affecting my credit score. I contacted Equifax to dispute them, but Equifax told me I first need to obtain an FTC Report as evidence. I also learned from the credit monitoring service XXXX that my data online had been subjected to a breach. I should also point out that a few days prior to this I received an email from someone who was trying to blackmail me, saying that he had hacked into my computer, taken control of my webcam, that he had incriminating video of me, and that he would release it unless I deposited money into his XXXX  account. What was scary is that he had a real password that I use. I don't know how much more information he obtained ( hopefully not my social security number ). Below are the fraudulent activities on my credit report : XX/XX/scrub> 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-13 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: EQUIFAX, INC.
State: MS

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: TN

Complaint narrative:
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX I did not authorize this inquiry. I have never heard of these creditors. I contacted each place individually and explain my grievances. They have not moved forward with removing the inquiries. This is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
This company is breaking the law by failing to provide proper validation details as required under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Despite this, they've added a collection to my credit report. 

I've already tried to resolve these issues directly with them, but they continue to violate my rights. For each violation listed, I am entitled to {$1000.00}. They must either compensate me or remove these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: CA

Complaint narrative:
To Whom It May Concern, Subject : Identity Theft Dispute Round XXXX Request for Immediate Removal of Fraudulent Accounts and Inquiries under FCRA XXXX XXXX XXXX XXXX XXXX  I am writing to dispute fraudulent and unauthorized information listed on my Equifax credit report. Upon review, I identified several fraudulent accounts and inquiries that I did not authorize or initiate. This is my second attempt to resolve this matter, and I am escalating my request for immediate action under the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX. 
These fraudulent entries continue to severely affect my ability to maintain good credit, which is vital for my personal and financial wellbeing. I request your immediate attention to this matter and appreciate your cooperation in correcting my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: FL

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 XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief