vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MD

Complaint narrative:
Prior loan servicer as loans paid and XXXX  Adenmity Agreement reflects a credit due to Promissory Note Alteration, FSA ID created in fraud using personal information in state of california, loan paid via Trust accounts as represented by Dept of Ed. Forgery Document police reports sent to XXXX and FSA forgery FTC and CFPB complaints - Nelnet took fraud loan after XXXX closed, loan history and payments missing and misuse of Trust Treasury Accounts, closed and settled XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXith signatures police reports and all required notary on XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  Consolidation and use of Fake FSA IS Nelnet is malicious billing and attempts to settle in Good Faith negotiable instruments and conditional acceptance in addition to forgery and police reports denied, ID Theft and FTC denied Use of XXXXXXXX XXXX billing and fraudulent reporting and collection, altered FSA ID using USPS mailed application for fraud consolidation loans in XXXX. 

Details Faxed Multiple Times,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: MN

Complaint narrative:
I am formally requesting that the unauthorized accounts be blocked and removed from my credit report at your earliest convenience. I did not create or authorize these accounts, and I am unfamiliar with their origins. As stated in USC 1681g, I ask that they be removed within 15 days. Please review the enclosed documentation. Also, the account details being reported differ among the credit bureaus and contain inaccuracies

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 2025-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
I was robbed and hacked/scammed by cashapp and they never did anything about it but told me to request a refund. My hard earned money was taken back in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Standard transfer {$0.00} + {$1.00} XX/XX/XXXX XXXX XXXX XXXX Standard transfer {$0.00} + {$350.00} XX/XX/XXXX XXXX XXXX XXXX Standard transfer {$0.00} + {$350.00} XX/XX/XXXX XXXX XXXX XXXX Standard transfer {$0.00} + {$270.00} XX/XX/XXXX XXXX XXXX XXXX Standard transfer {$0.00} + {$150.00} XX/XX/XXXX XXXX XXXX XXXX Standard transfer {$0.00} + {$140.00} XX/XX/XXXX XXXX XXXX XXXX Standard transfer {$0.00} + {$140.00} XX/XX/XXXX XXXX XXXX XXXX Standard transfer {$0.00} + {$180.00} XX/XX/XXXX XXXX XXXX XXXXXXXX Standard transfer {$0.00} + {$170.00} XX/XX/XXXX XXXX XXXX Cash App payment {$0.00} {$1600.00} These are the transactions and amounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Dispute letter sent on 2 dates, XX/XX/year> and XX/XX/year>. 

Company responded by calling a relative and threatening to put me in jail if they dont get in contact with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-06-15 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:
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. 



List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX U.S.C 1681 section 602 A. 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 may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-15 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:
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 XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-06-15 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-15 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: NJ

Complaint narrative:
I am writing to formally dispute several unauthorized hard inquiries that appear on my credit report. I obtained a recent copy of my credit report and noticed the following inquiries that I do not recognize and did not authorize : XXXX XXXX XXXX XXXX XXXX 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 inquiries were not authorized by me, nor do I have any existing business relationship or credit application with these entities at the times indicated. Under the Fair Credit Reporting Act ( FCRA ), only inquiries that are authorized by the consumer or made for permissible purposes may remain on a credit file.

Please conduct an investigation into these inquiries and remove any that are found to be unauthorized. I request that the results of the investigation be sent to me in writing.

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 2025-06-15 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: MN

Complaint narrative:
I am formally requesting that the unauthorized accounts be blocked and removed from my credit report at your earliest convenience. I did not create or authorize these accounts, and I am unfamiliar with their origins. As stated in USC 1681g, I ask that they be removed within 15 days. Please review the enclosed documentation. Also, the account details being reported differ among the credit bureaus and contain inaccuracies

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 2025-06-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CarMax, Inc.
State: AL

Complaint narrative:
I financed a vehicle through CarMax Auto Finance in XX/XX/XXXX. For more than a year, I was unable to make online payments through their portal. Despite reporting this multiple times by phone, no one resolved the issue until XX/XX/XXXX, when a representative finally restored access only after I said I was considering legal action. During that time, I had to rely on their automated phone system, which frequently failed, leading to missed or delayed payments. As a XXXXXXXX XXXX XXXX XXXX this created extreme hardship and directly impacted my credit. 

In XX/XX/XXXX, my vehicle was totaled in an accident. I submitted a GAP claim in XX/XX/XXXX and was told in XX/XX/XXXX it was denied because deferred payments were not covered something I was not made aware of when the accident occurred. I was never told I needed to cancel my GAP coverage in person to receive a refund, and I was misdirected several times when I tried to do so. I ultimately received only a small prorated refund from the date of cancellation in XXXX, not the date of the accident. 

On or around XXXX to XX/XX/XXXX, I called about a payment issue and was told on a recorded line that a late payment reported to the credit bureau would be removed. In XX/XX/XXXX, they reversed that decision and kept the mark, despite previous assurances and my clear communication. 

My XXXX credit report clearly shows a pattern of worsening payment history after XX/XX/XXXX the last time I was able to successfully make an online payment. These issues with access, GAP coverage, and credit reporting have severely damaged my credit and made it harder for me to secure housing for an upcoming move. 

I am requesting a formal investigation into CarMax Auto Finances servicing failures, GAP handling, and inconsistent credit reporting practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Since the start of the loan I have been charged XXXX or more in late fees. It is easy to say " just don't pay late, '' but my amount due goes from XXXX to XXXX or higher no matter if I pay XXXX day late or XXXX days late. Companies should not just be able to charge whatever because you pay your monthly bill late. XXXX, with the exception of XXXX payments, paying XXXX days late is a common payment practice for budgeting persons in XXXX. I have been told that the fees may be high but are not a customer service issue and all they can do is waive the fees if I am having payment issues. They stated that only the company CEOs can make such changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Adjustment Company Incorporated
State: KY

Complaint narrative:
I am writing to file a formal complaint against the 2 Debt Collection agencies that are both attempting to collect on what appears to be the same alleged debt. This situation is causing confusion, distress and potential damage to my credit and financial well being. I do not have a contract bearing my signature to neither one of the Debt Collection Agencies.

Details of the complaint : Original Creditor - XXXX XXXX XXXX The alleged debt amount - {$610.00} XXXX XXXX XXXX ( sold to by XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX, IN XXXX Account number - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Account Number - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: AR

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX 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/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX NY XXXX XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Subject : Debt Collection Dispute and Request for Verification Dear Sir/Madam, I am writing to formally dispute the collection account referenced by account number [ XXXX de XXXX ] XXXX which appears on my credit report. This letter serves as a request for validation and verification of this debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Under 15 U.S.C. 1692g, I am entitled to request verification of the debt. I require that you provide documented evidence detailing the following : 1. Original Creditor : Complete name and address of the original creditor.

2. Verification of the Debt : A full accounting of the debt amount, including itemized charges. 
XXXX. Proof of Your Authority : Documentation proving that you have authority to collect this debt on behalf of the original creditor. 

Additionally, under 15 U.S.C. 1681i of the FCRA, any information reported must be complete and accurate. I request that your business ensures that any erroneous or unverifiable information is removed from my credit reports.

Until you can produce evidence validating this debt, I am requesting that you cease collection activities under 15 U.S.C. 1692c and stop reporting this account to the credit bureaus.

I expect a thorough investigation and a full response within the 30-day period as specified by federal law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-06-15 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.
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX XXXX Equifax XXXX XXXX XXXX  XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXXXXXX. XXXX XXXX XXXX, PA XXXX RE : 609 letter and Cease and Desist Inaccurate Address, Employment, and Inquiries Dear Sir or Madam, Under Section 609 of the Fair Credit Reporting Act ( 15 U.S. Code 1681g ), I am formally requesting that you provide full verification and documentation regarding the following : 1. All listed addresses on my credit file 2. All employment history reported 3. All hard inquiries performed on my credit report Upon review of my recent credit file, I found inaccurate and unauthorized items, including addresses and employers I have never been affiliated with and inquiries I did not authorize. These errors are misleading and violate the accuracy standards required by the FCRA. 

Therefore, I am demanding the following : - A detailed list of the original sources that reported these addresses, employers, and inquiries - Immediate deletion of any unverifiable or inaccurate information - Cease and desist from further reporting of the disputed addresses, employment, and credit inquiries unless verification is obtained The inaccurate items in question include, but may not be limited to : - Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have enclosed a copy of my government-issued ID and proof of current address to assist in your investigation. You are required by law to respond to this request within 30 days. 

Failure to comply will result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and may lead to legal action. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TrueAccord Corp.
State: FL

Complaint narrative:
I did not authorize credit company to create accounts on my name .. nor to falsely report late payments and charges off accounts when that has nothing nothings to do with me.also XXXX XXXX XXXX XXXX XXXX that says XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I did not authorize credit company to create accounts on my name .. nor to falsely report late payments and charges off accounts when that has nothing nothings to do with me.also charge offs XXXX charge off that says XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name :  XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX IL, XXXX ACCOUNTS : BANKRUPTCY - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief