vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
In accordance with fcra section 605b, fcra 1681ia5b, Cfpa 5531, 5536a and many more federal laws that I have attached to my cover letter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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:
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's my understanding that you will investigate this account for me for accuracy. Here is the account I am asking you to verify as accurate. 

Account name : 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 explanation
Consumer complaint received 2025-05-02 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: TX

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's my understanding that you will investigate this account for me for accuracy. Here is the account I am asking you to verify as accurate. 

Account name : 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 2025-05-02 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:
Unauthorized Hard Inquiry Request for Investigation and Removal I am writing to formally dispute certain hard inquiries listed on my credit report dated XX/XX/XXXX. As per the Fair Credit Reporting Act ( FCRA ) 604 [ 15 U.S.C. 1681b ], a consumer report may only be accessed under specific permissible purposes. I do not recall authorizing the following inquiries and believe they may have been made without my knowledge or consent : Hard Inquiries in Dispute : XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX, XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX, XXXX  XX/XX/XXXX TransUnion XXXX XXXX, XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  and XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  and XXXX XXXX  XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian ] I request that you investigate these inquiries and, if they were conducted without a permissible purpose or valid consumer authorization, delete them from my credit report. 

Please provide documentation that shows I authorized these inquiries. If no such documentation exists, I respectfully request these be removed in accordance with FCRA 611 [ 15 U.S.C. 1681i ]. 

Sincerely,

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 2025-05-02 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: OH

Complaint narrative:
Unauthorized Hard Inquiry Request for Investigation and Removal I am writing to formally dispute certain hard inquiries listed on my credit report dated XX/XX/XXXX. As per the Fair Credit Reporting Act ( FCRA ) 604 [ 15 U.S.C. 1681b ], a consumer report may only be accessed under specific permissible purposes. I do not recall authorizing the following inquiries and believe they may have been made without my knowledge or consent : Hard Inquiries in Dispute : XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX, XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX, XXXX  XX/XX/XXXX TransUnion XXXX XXXX, XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  and XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  and XXXX XXXX  XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian ] I request that you investigate these inquiries and, if they were conducted without a permissible purpose or valid consumer authorization, delete them from my credit report. 

Please provide documentation that shows I authorized these inquiries. If no such documentation exists, I respectfully request these be removed in accordance with FCRA 611 [ 15 U.S.C. 1681i ]. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: IL

Complaint narrative:
I am writing to formally dispute the inclusion of the following inaccurate and unauthorized accounts on my credit report I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ). You are legally obligated to conduct a reasonable and timely investigation into this matter. If you can not verify the accuracy of this account within 30 days, it must be deleted immediately from my credit file. 

Failure to comply with these requirements will leave me no choice but to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General. I am also prepared to pursue legal action for negligence and failure to correct known inaccuracies, which can include statutory damages, legal fees, and other costs.

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 2025-05-02 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: AZ

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-02 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: MD

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NY

Complaint narrative:
Nelnet is obstructing my right to use the CFPB system fairly. This behavior appears to be a deliberate attempt to suppress accountability and avoid meaningful review. Nelnet has been abusing the CFBP website by using a strategy to avoid responsibility and avoid responding to CFBP reports. marking previous unresolved cases as repeated report just to skip the investigations and resolutions. Nelnet uses this strategy to get away with responding to reports so they can have time to profit from collecting interests.

I am requesting that : -The CFPB review Nelnets use of the repeated reports designation - Nelnet be required to respond to valid complaints, even if they involve unresolved issues -My right to file and pursue complaints about a federal loan dispute be upheld

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: TX

Complaint narrative:
I had a cashapp account XXXX  and was using this account as my main checking account, I started noticing cashapp double charging me on transactions and denying my disputes after verifying with the company they were claiming to charge as that they didnt charge me again. Cashapp took around {$200.00} from my account fraudulently and now will not allow me to order a cashapp card but will allow me to send and receive money on my account, not mentioning the fee they charge to transfer money from my account to my bank account since they will not let me get a cashapp card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
I made a payment to XXXX XXXX Comenity bank in XXXX and they rejected it. I turned around and made that same payment XX/XX/XXXX and then paid the remainder of the balance in full on XX/XX/XXXX. Both of those payments got rejected. I called and spoke with a supervisor on XX/XX/year> and he waived the late fees, I paid my balance in full over the phone with him. I thought the problem was resolved until today when I went to use my card and it was denied. I called them to find out why and they said they closed my account. I asked to speak with a supervisor and they hung up on me. I have been a cardholder with them for XXXX years and never even had a late payment. 
They did this for no reason. I have every bit of proof from my bank that shows my payments were rejected by payee. I would never deal with them again and I will make sure everyone I know who is thinking about a card with them knows my horrible experience with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-02 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Fraudulent Accounts and Address Due to Identity Theft 15 USC 1681c-2 Dear To All Bureuas, I am writing to formally dispute fraudulent information appearing on my credit report due to identity theft, pursuant to 15 USC 1681c-2 , which requires credit bureaus to block information resulting from identity theft upon receipt of appropriate documentation. I am a victim of identity theft, and the following accounts and address listed on my credit report are fraudulent and were not authorized by me. 

Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts and the address listed above are the result of identity theft perpetrated by alleged former roommates. I have never resided at the listed address, nor did I open or authorize the above accounts. Enclosed, please find the following documentation to support my claim : A copy of my Identity Theft Report filed with the Federal Trade Commission ( FTC ) is included. 

Proof of my identity both copy of my drivers license and Social Security card are included Proof of my current address included is a copy of my utility bill for XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under 15 USC 1681c-2, I request that you immediately block the above-referenced fraudulent accounts and address from my credit report and cease reporting this information. Additionally, please provide me with a written confirmation of the removal of these items and an updated copy of my credit report. 

Thank you for your attention to this matter. 

Sincerely, 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 explanation
Consumer complaint received 2025-05-02 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX 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 non-monetary relief
Consumer complaint received 2025-05-02 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: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am requesting the removal of XXXX XXXX  loans from my credit report that have been fully discharged by the U.S. Department of Education. These loans have been officially forgiven and are no longer a financial obligation. However, they are still being reported on my credit report, which inaccurately reflects my current credit standing and may negatively impact my creditworthiness. 

Per the Fair Credit Reporting Act ( FCRA ), credit reports must be accurate and up to date. Since the loans in question have been discharged, they should no longer be listed as active, delinquent, or in default. I respectfully request that these discharged loans be removed or updated to reflect a XXXX balance with no negative status. 

Please investigate this matter promptly and confirm the necessary corrections with the credit bureaus.

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: MOHELA
State: GA

Complaint narrative:
the company refused to accept the fact that all their correspondence had been going to the wrong address. they had the correct information along with correct emails but did not bother to correct the information in their system. 
the bad information on my credit reports is over a {$52.00} payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: LA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: SC

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2025-05-02 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-05-02 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: MD

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: SC

Complaint narrative:
I am filing a formal complaint against Jefferson Capital Systems for violating federal debt collection and credit reporting laws. 

This company is attempting to collect a debt I disputed, but they have not validated the debt properly and are continuing collection activity. I previously sent them a written dispute and requested validation, but they have failed to provide itemized documentation or proof of the debt. Despite this, they continue to attempt collection and have reported the debt to credit bureaus without marking it as disputed. 

Their actions violate the following laws : - * * 12 CFR 1006.34 ( b ) ( 5 ) * * : They failed to provide an itemization of the debt ( including principal, interest, fees, and payments ).

- * * 12 CFR 1006.34 ( c ) ( 4 ) ( i ) * * : Their initial notice did not clearly state my rights as a consumer to dispute the debt.

- * * 12 CFR 1006.34 ( d ) * * : They failed to send a complete and compliant validation notice within 5 days of first contact.

- * * 15 USC 1681s-2 ( a ) ( 7 ) * * : They reported the debt to the credit bureaus without marking it as disputed after I sent a written dispute.

I also previously submitted a complaint about this company to the CFPB, but the issue was not resolved and the violations have continued.

I am requesting the CFPB take action to : - Require Jefferson Capital Systems to cease collection efforts until proper validation is provided.

- Ensure the company updates the credit bureaus to reflect that this debt is disputed.

- Compel the company to follow Regulation F and the Fair Credit Reporting Act in all future notices and reporting.

This has affected my credit and caused stress. I am asking for your help to hold this company accountable and to protect my consumer rights. 

Thank you.

Company response to consumer: Closed with explanation