vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-18 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: NJ

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 2025-05-19 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: EQUIFAX, INC.
State: WI

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX 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 2025-05-19 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: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate information currently being reported on my credit report regarding a student loan serviced by XXXX Department of Education XXXX 

Loan Servicer/Lender : XXXX Account Number : XXXX ( or ending in XXXX ) Reported Issue : Late payments reported during deferment period. 

Dispute Reason : I believe the information being reported about this student loan is inaccurate for the following reason ( XXXX ) : I was in a valid deferment/forbearance status during the reported period of late payments. 
I am requesting that this account be thoroughly investigated under the Fair Credit Reporting Act ( FCRA ) and corrected or removed if the information can not be verified. 

Thank you for your time and 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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate information currently being reported on my credit report regarding a student loan serviced by DEPTEDXXXX/ Department of Education . 

Loan Servicer/Lender : DEPTEDXXXX  Account Number : XXXX ( or ending in XXXX ) Reported Issue : Late payments reported during deferment period. 

Dispute Reason : I believe the information being reported about this student loan is inaccurate for the following reason ( s ) : I was in a valid deferment/forbearance status during the reported period of late payments. 
I am requesting that this account be thoroughly investigated under the Fair Credit Reporting Act ( FCRA ) and corrected or removed if the information can not be verified. 

Thank you for your time and 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 non-monetary relief
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XX/XX/year> To : Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX RE : Dispute of Unverified Information- Account & Account Number This letter is to Formally dispute the following account listed on my credit report. 

XXXXXXXX XXXX XXXX XXXXXXXX Account Number:XXXX I am disputing the validity and accuracy of this account because I have not received any debt validation notice from the Credit or collection agency responsible for this account. The fair debt collection, practices act, FDCPA, requires them to provide written validation of the debt within five days of me requesting it ( 12 CFR 1006 .34 ( b ) ( 5 ) ). Since I havent received such validation, I can not verify the legitimacy of this debt. 

Request for verification and deletion : Therefore, I am requesting that you initiate a full investigation into the account and demand verification from the creditor or collection agency listed in my report. 

This verification should include : The original credit of the debt, if applicable The amount of the debt The date the debt was incurred. 
Proof that I am legally obligated to repay this debt. 
If the credit or collection agency can not provide valid verification, and validation, within 30 days of my inquiry, I demand that you completely delete this account from my credit report. 

Credit reporting obligation : The Fair Credit Report FCRA 15 USC 1681 requires you to ensure the accuracy and fairness of the information on consumers credit reports. By not receiving proper debt validation, this account remains unverified and potentially inaccurate. 
Thank you for your prompt attention to this matter. Please investigate this dispute thoroughly and provide a written response within 30 days of receipt of this letter. 
The response should include : Details of the investigation, conducted regarding verification with the creditor or collection agency. A revised credit report, reflecting any changes made based on this dispute. 
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 non-monetary relief
Consumer complaint received 2025-05-18 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: NE

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX & XXXX ( Original Creditor :XX/XX/XXXX ) # XXXX XX/XX/XXXX -- {$130.00} XX/XX/XXXX( Original Creditor XX/XX/XXXX # XXXX XX/XX/XXXX -- {$540.00} XX/XX/XXXX ( Original Creditor : XXXX XXXXXX/XX/XXXX # XXXX XX/XX/XXXX -- {$130.00} XXXXXX/XX/XXXX # XXXX XX/XX/XXXX -- {$110.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XX/XX/XXXX -- {$280.00} XXXX XXXX XXXX ( Original Creditor : XX/XX/XXXX ) # XXXX XX/XX/XXXX -- {$750.00} UNAUTHORIZED INQUIRY : XXXX XX/XX/XXXX 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 2025-05-18 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: NE

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX & XXXX ( Original Creditor :XX/XX/XXXX ) # XXXX XX/XX/XXXX -- {$130.00} XX/XX/XXXX( Original Creditor XX/XX/XXXX # XXXX XX/XX/XXXX -- {$540.00} XX/XX/XXXX ( Original Creditor : XXXX XXXXXX/XX/XXXX # XXXX XX/XX/XXXX -- {$130.00} XXXXXX/XX/XXXX # XXXX XX/XX/XXXX -- {$110.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XX/XX/XXXX -- {$280.00} XXXX XXXX XXXX ( Original Creditor : XX/XX/XXXX ) # XXXX XX/XX/XXXX -- {$750.00} UNAUTHORIZED INQUIRY : XXXX XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2025-05-18 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: Nelnet, Inc.
State: OH

Complaint narrative:
Dear CFPB Representative, I am writing to formally dispute and challenge the response submitted by Nelnet to my prior complaint regarding the unlawful exposure of my personally identifiable information ( PII ) through their publicly acknowledged data breach. Despite their claims of compliance, Nelnet 's failure to implement reasonable data safeguards has led to the compromise of my sensitive data and poses an ongoing threat to my financial safety and privacy. 

Contrary to Nelnets assertion that it has not engaged in any activities that would expose data through unauthorized or unlawful means, it is publicly documented that Nelnet was responsible for a significant cybersecurity breach affecting over XXXX XXXX borrowers, including myself. This event has been widely covered and acknowledged, and Nelnet remains liable under federal law for the resulting exposure and mishandling of borrower information.

Legal Violations : Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ) : Nelnet failed to maintain adequate security protocols required to protect consumer financial information. 
Privacy Act of 1974 ( 5 U.S.C. 552a ) : As a federal contractor, Nelnet is obligated to maintain secure systems to safeguard personal data and can be held liable for failure to do so.

Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) : Continued reporting of disputed and potentially fraudulent debt that stems from compromised accounts violates my right to an accurate credit profile. 
Federal Information Security Modernization Act ( FISMA ) : Nelnets failure to uphold cybersecurity compliance under its contract with the Department of Education directly violates FISMA.

State Breach Notification Laws : Nelnet failed to provide adequate notification and consumer support under state data breach statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I made an online purchase from XXXX on XX/XX/XXXX for luggage, which was shipped via UPS with tracking number XXXX and the total amount of {$3400.00}. Although the tracking status marked it as delivered on XX/XX/XXXX, I never received the package. 

I contacted UPS, and on XX/XX/XXXX, the delivery driver visited my residence and confirmed in person that the package was not delivered to me. He stated that he would report the issue internally. I also filed a claim with UPS, and their automated message later confirmed that the claim had been approved. Despite this, XXXX refused to offer a refund and insisted that the item had been delivered based on the initial UPS tracking status. 

XXXX opened and closed the claim twice, and both times denied my request for a refund. On XX/XX/XXXX, the refunded amount from my financial institution was re-charged, because XXXX continued to insist that the package had been delivered. I then filed a dispute through XXXX on XX/XX/XXXX and spoke with a representative named XXXX. However, as of today, the issue has still not been resolved. 

Most recently, I called XXXX and spoke with a representative named XXXX, who told me they could not assist further and directed me to my bank, despite all the evidence I providedincluding the UPS driver 's confirmation and the UPS claim showing " in progress '' and later " approved '' status. I believe the merchant and UPS have failed to take appropriate responsibility, and I am being charged for a product I never received.

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 2025-05-18 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: CarMax, Inc.
State: CA

Complaint narrative:
In accordance with the fair credit act this creditor has violated my rights under 15. USC ( 16 ) ( 81 ) section 602 states I have the rights to privacy 15. USC ( 16 ) 81 section 604 A section 2 states a consumer reporting agency can not furnish an account Without my written instructions under 15 uscc 1666 b a creditor may not treat a payment on a credit card account under and open under an consumer credit plan late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I am writing to formally request that MIDLAND CREDIT MANAGEMENT, immediately cease all collection activities, including reporting the alleged debt on my credit report. The debt in question is being incorrectly attributed to me, and I firmly deny owing the stated amount. XXXX XXXX XXXX XXXX, has inaccurately reported a collection account on my credit report and has failed to provide proper documentation or evidence to substantiate the debt, such as my signature or a binding contract between myself and MIDLAND CREDIT MANAGEMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Block, Inc.
State: OH

Complaint narrative:
Received cash app debit card in mail that I didnt open or apply for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: OH

Complaint narrative:
Complaint Summary : I am filing this complaint due to numerous inaccuracies across all three of my credit reportsEquifax, Experian, and TransUnion. These inaccuracies are significantly impacting my creditworthiness and hindering my ability to qualify for a mortgage. 

Details of the Issue : XXXX. Dismissed Bankruptcies : All three credit bureaus are reporting XXXX bankruptcies that have been officially dismissed by the court. A dismissed bankruptcy is not the same as a discharge and should not continue to negatively impact my credit profile. The continued reporting of these dismissed bankruptcies is misleading and harmful. 
XXXX. Collection Accounts : There are several collection accounts being reported that are either inaccurate, unverifiable, or potentially past the statute of limitations. These accounts differ across the XXXX bureaus, and despite prior disputes, they remain on my reports without any clear or valid validation. 
XXXX. Charged-Off Accounts : My reportsespecially Experian and TransUnioninclude charged-off accounts from creditors such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts contain incorrect information, including outdated balances, incorrect dates, and inconsistent statuses. 
XXXX. Closed Accounts with Negative Statuses : Many closed accounts are still being reported with derogatory marks. In some cases, these accounts appear multiple times or with conflicting information across the XXXX bureaus. This is creating confusion and inaccurately reflecting my credit history. 
XXXX. Failure to Conduct Reasonable Investigation : I have previously submitted disputes directly to Equifax, Experian, and TransUnion. The results of these disputes were generic and did not provide evidence of a proper investigation as required by the Fair Credit Reporting Act ( FCRA ). It appears that the data furnishers were not held accountable for verifying the accuracy of the information. 

Requested Resolution : Immediate deletion of the XXXX dismissed bankruptcies from all credit reports. 
Removal or correction of all inaccurate, outdated, or unverifiable collection and charged-off accounts. 
A thorough and transparent reinvestigation of all disputed items with proper documentation from the furnishers. 
Confirmation in writing of all corrections or deletions made as a result of this complaint. 

I respectfully request the Consumer Financial Protection Bureau to investigate these reporting issues and ensure that the credit bureaus comply with FCRA requirements, so that my credit reports reflect only accurate and verifiable information.

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 2025-05-19 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: OH

Complaint narrative:
Complaint Summary : I am filing this complaint due to numerous inaccuracies across all three of my credit reportsEquifax, Experian, and TransUnion. These inaccuracies are significantly impacting my creditworthiness and hindering my ability to qualify for a mortgage. 

Details of the Issue : XXXX. Dismissed Bankruptcies : All three credit bureaus are reporting XXXX bankruptcies that have been officially dismissed by the court. A dismissed bankruptcy is not the same as a discharge and should not continue to negatively impact my credit profile. The continued reporting of these dismissed bankruptcies is misleading and harmful. 
XXXX. Collection Accounts : There are several collection accounts being reported that are either inaccurate, unverifiable, or potentially past the statute of limitations. These accounts differ across the XXXX bureaus, and despite prior disputes, they remain on my reports without any clear or valid validation. 
XXXX. Charged-Off Accounts : My reportsespecially Experian and TransUnioninclude charged-off accounts from creditors such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts contain incorrect information, including outdated balances, incorrect dates, and inconsistent statuses. 
XXXX. Closed Accounts with Negative Statuses : Many closed accounts are still being reported with derogatory marks. In some cases, these accounts appear multiple times or with conflicting information across the XXXX bureaus. This is creating confusion and inaccurately reflecting my credit history. 
XXXX. Failure to Conduct Reasonable Investigation : I have previously submitted disputes directly to Equifax, Experian, and TransUnion. The results of these disputes were generic and did not provide evidence of a proper investigation as required by the Fair Credit Reporting Act ( FCRA ). It appears that the data furnishers were not held accountable for verifying the accuracy of the information. 

Requested Resolution : Immediate deletion of the XXXX dismissed bankruptcies from all credit reports. 
Removal or correction of all inaccurate, outdated, or unverifiable collection and charged-off accounts. 
A thorough and transparent reinvestigation of all disputed items with proper documentation from the furnishers. 
Confirmation in writing of all corrections or deletions made as a result of this complaint. 

I respectfully request the Consumer Financial Protection Bureau to investigate these reporting issues and ensure that the credit bureaus comply with FCRA requirements, so that my credit reports reflect only accurate and verifiable information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have sent a total of XXXX letters to the XXXX credit bureaus, and have yet to receive a response yet. And its been 2 months since, I need to see how and who investigate on when sending a dispute. I have proof that these accounts do not belong on my credit profile and demand for them to be deleted. 

XXXX XXXX XXXX XXXX ( Experian XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXXXXXX XXXX ( Equifax ) XXXX XXXX Account ( TransUnion ) XXXX XXXX Account ( Experian ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account ( Experian, Equifax, TransUnion ) XXXX XXXX These accounts don't belong to me. 

Fair Credit Reporting Act ( FCRA ) - Request Method of Verification : You can ask the credit bureau to explain how they verified the disputed information

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 2025-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
XXXX  froze my account on XX/XX/XXXX due to identity verification issues so yesterday on XX/XX/XXXX I uploaded my id card XX/XX/XXXX I received an email stating my account was permanently deactivated and I would have to wait 180 days to receive my money due to loss prevention purposes this is so sad because Ive only used my account a handful of times and have never broke any rules they wont explain why I have to wait I am a single mother and this was my paycheck I really hope you guys can help me out I am a honest hardworking person please and thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: CA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation