vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

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

1681c-2 ) that you, the Equifax Information Services , 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 Address : XXXX XXXX XXXX XXXX XXXX LA XXXX INQUIRIES : XXXX  Date : XX/XX/scrub>/25 XXXX   Date : XXXX/XXXX/25

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
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! 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX XX/XX/year>, I purchased 2 XXXX XXXX which cost XXXX in total on XXXX, I requested for delivery on the same day and at about XXXX on XXXX XX/XX/year> I received a notification that my item was delivered to the mail room. I went to the locker room to go pick it up but it wasnt there, I then showed the picture that I received from the delivery personal to a security and it was shown that the delivery guy left it at XXXX XXXX XXXX ( infront of the elevator ), while he lied on the note that he delivered it in the mailroom. 
I then went to XXXX XXXX but my package was nowhere to be found. ( I like a note that it should be placed in my locker ). I then contacted my bank which is well Fargo in the XXXX XXXX XXXX and they sent me a temporary credit stating they will investigate but on the XX/XX/year> a received a provisional credit reversal of - {$360.00}.

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 explanation
Consumer complaint received 2025-07-30 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing a formal complaint against Experian for failing to properly address my dispute concerning inaccurate items and incorrect personal information on my credit report. 
On XX/XX/year>, I mailed a detailed dispute letter to Experian via USPS Certified Mail ( Tracking # XXXX ). In this letter, I clearly outlined the inaccuracies and provided supporting documentation to verify my identity and address, including a copy of my photo ID, W2 as proof of my social security number, and a recent utility bill. According to USPS tracking, Experian received the dispute on XX/XX/year>. 
Despite being in possession of my dispute for well over the 30-day period required under federal law, I have not received any acknowledgment, response, or results from Experian. This inaction is a direct violation of Section 611 of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies conduct a reasonable investigation and report the findings to the consumer within 30 days of receiving a valid dispute.

Experians failure to comply with these obligations is not only unlawful, but it also obstructs my ability to maintain an accurate credit report, which significantly affects my financial standing and access to credit. This blatant disregard for consumer rights demonstrates a broader pattern of noncompliance. I am including a copy of my dispute letter sent to Experian along with the USPS Certified Mail proof of delivery as evidence to support my claim.

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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

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 Services , 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 XXXX NC XXXX INQUIRIES : XXXX XXXX XXXX Date : XX/XX/scrub>XXXX XXXX XXXX Date : XX/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 explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
" Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Date of Birth : XX/XX/year> 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 your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BALANCE : XXXX XXXX XXXX XXXX XXXX XXXX  BALANCE : {$4400.00}. I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by your agency are the result of identity theft and fraud. I have attached a copy of the FTC identity theft report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: FL

Complaint narrative:
b'On XXXX XXXX XXXX XXXX XXXX XXXX EST I called Nelnet at XXXX XXXX XXXX regarding my Direct Consolidation Loans balance XXXX interest rate XXXX percent. I spoke with representative XXXX XXXX XXXX. The call lasted 16 minutes 28 seconds.\n\nI requested a full payment count review and IDR forgiveness eligibility determination. My repayment started XXXX XXXX XXXX  which is more than 23 years ago. I meet the 20 year forgiveness requirement for undergraduate loans under 34 CFR 685.219.XXXX stated that litigation prevents Nelnet from reviewing my payment history or processing forgiveness. This is false. The current litigation only affects the SAVE plan which began in 2023. My repayment history from 2002 to 2023 is not affected.\n\nFederal regulations require servicers to credit borrowers for qualifying payments made before consolidation and to conduct a payment count review when requested. Refusing to review my payment history violates borrower rights under 34 CFR 685.219 and Department of Education guidance for the one time IDR account adjustment.\n\nI am requesting that Nelnet be required toXXXX Conduct a complete payment count review going back to XXXX XXXX XXXX Determine my eligibility for IDR forgiveness immediately\XXXX Provide a written case number and timeline for resolution\n\nIf Nelnet does not comply I will escalate to the Federal Student Aid Ombudsman and my congressional representatives. I want CFPB to require Nelnet to process this review according to federal law and confirm my IDR forgiveness eligibility in writing.\n\nThis complaint should be published so that other borrowers know servicers are improperly denying IDR forgiveness reviews despite federal regulations.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
On XX/XX/year> I went to the free XXXX  site to view my credit report, while there I saw a link to see my TransUnion report, so I clicked on it. Although there was NO mention of an option to buy an annual membership for {$24.00} per month + tax and NO one asked me for my authorization or for my credit card # TransUnion automatically signed me up and billed one of my credit cards for {$28.00}!

As well, because you can not cancel their memberships on their web site, I had to spend nearly an hour on hold on the phone to get their unauthorized transaction canceled & a refund issued Ref # XXXX. 

Recommended remedy 's : 1 : Based on their 1.1 star rating and thousands of bad reviews, it appears they have used the same scam on thousands of other people and should be fined at leasth {$10000.00} for each time they automaticaly enroled people in a membership without authorization.

2 : They need to be requered to inform people on their site in large bold print that they have the option to enrole in a membership or not instead of automaticaly enroling people without notice or authorization!

3 : TransUnion needs to provide an easy to find option on their site to cancel memberships, as I spent about a half hour on their site trying to find a way to cancel with no luck, as well, their customer service rep 's can't tell you how to cancel on line, so you are forced to spend another hour on the phone to cancel!

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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : 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 a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX  on XX/XX/XXXX with a balance of {$3800.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) 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 2025-07-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have consistently made punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my steadfast history of meeting deadlines.

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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation 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 explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint due to several unauthorized credit inquiries that continue to appear on my Equifax credit report. These inquiries were previously disputed directly with the credit bureaus. I specifically requested verification documents or proof that I granted permission for these entities to access my credit file, but no documentation has been provided to date. Despite my formal disputes, the credit bureaus failed to conduct a proper investigation or remove the inquiries. The specific unauthorized inquiries I am disputing are clearly listed in the attached letter included with this complaint : XXXX 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. I am escalating this issue to the CFPB because I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, and I am seeking fair resolution and proper enforcement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America ( BoA ) is attempting to collect a debt that was already paid via negotiable instrument, which they admitted receiving but wrongfully dishonored.

Facts : 1. On XX/XX/2024, BoA was sent a tender of payment in good faith per UCC 3-204 to XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX via certified mail number XXXX XXXX. BoA admitted receipt in their letter dated XX/XX/2024 ( attached ), but falsely claimed it was " not an acceptable form of payment. '' 3. Under UCC 3-501 and 3-603 ( b ), their refusal to honor the instrument constitutes discharge of the debt UCC 3-603 ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates.

Violations : - UCC 3-502 ( Wrongful dishonor ) - FDCPA 15 U.S.C. 1692e ( 2 ) ( A ) ( False representation of debt amount ) - CFPB Regulation F ( Failure to provide validation ) Attachments : - BoA 's admission letter - Copy of endorsed instrument - Certified mail receipt

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