vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-01 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: GA

Complaint narrative:
In XXXX I borrowed a total of XXXX for college from XXXX. This loan has been sold several times and during COVID the company that has my loan ( Nelnet ) continued to draw interest and wanted payments. My loan at that time was XXXX and is now XXXX. I think this is unacceptable. I filed bankruptcy in several years ago and was told that it couldn't be added. I am willing to pay the amount borrowed ( XXXX ) but I will never be able to afford to pay XXXX. This is a considerable amount of money and interest that I'm being asked to pay. I work in the XXXX XXXX  field as a XXXX XXXX and have been for 25 years, but each time I applied for forgiveness, I didn't qualify. I have been making payments under the XXXX plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: CT

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX # XXXX - Date Opened XXXX/XXXX/2025

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 2025-04-01 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: MO

Complaint narrative:
My cousin, who has been in and out of trouble for years apparently utilized and used my name and credit to get some accounts opened up. These accounts that I am disputing are not mine and I didn't open them up. These accounts are fraudulent accounts, please take them off my credit. I would like to also request that my dispute is handled the right way as the CFPB lawsuit describes. I was informed that the CFPB is suing the credit bureaus because they are not processing the consumer disputes correctly. I want to ensure mine is done correctly, and that these accounts are removed from my credit so I will submit through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: MO

Complaint narrative:
My cousin, who has been in and out of trouble for years apparently utilized and used my name and credit to get some accounts opened up. These accounts that I am disputing are not mine and I didn't open them up. These accounts are fraudulent accounts, please take them off my credit. I would like to also request that my dispute is handled the right way as the CFPB lawsuit describes. I was informed that the CFPB is suing the credit bureaus because they are not processing the consumer disputes correctly. I want to ensure mine is done correctly, and that these accounts are removed from my credit so I will submit through the CFPB.

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 2025-04-01 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX XXXX XXXX -Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX -Date Opened XX/XX/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 2025-04-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I was trying to open an account with goldman sachs when they informed me that my social security number was already tied to an account that they've had for a while, but with the name XXXX XXXX. That is not my name and that is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: NC

Complaint narrative:
I previously disputed this item and it came back verified. Im asking for a reinvestigation due to this being a violation of The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide me with the names and business addresses of each individual you verified this account with.

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 2025-04-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CCF Intermediate Holdings LLC
State: OH

Complaint narrative:
I keep getting calls from a company claiming to be check and cash. Working with mediation service or XXXX XXXX and XXXX XXXX XXXX XXXX, the problem with this is I have never done business with XXXX XXXX XXXX. I've also informed the multiple callers over the course of the last 3 to 5 years that I have never done business would XXXX XXXX XXXX. I reached out to that to the bank that they claimed the funds went into. That bank had no record of those funds and now says I can not get a statement from the multiple years. They're claiming this deposit has been made. They've been informed numerous times that I never took out this loan. I never received funds for this loan. And I never authorized any type of payment for this loan. I do not know what this loan is. I have also reached out to XXXX XXXX XXXX  corporate headquarters. As well as the local business here in XXXX, Ohio, and they have no record of me ever doing business with their company? If someone could please help me figure this out. I would really appreciate a phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: GA

Complaint narrative:
I have a virtual Vanilla prepaid card with a balance of {$120.00} that was placed on hold. I attempted to use the card with XXXX XXXX, but the transaction was declined. On Vanillas own website, the transactions are clearly listed as : XX/XX/year>, XXXX XXXX Declined XXXX XXXX VERIFY XX/XX/year>, XXXX XXXX Declined XXXX XXXX VERIFY I contacted customer service and gave them the exact transaction details listed. They claimed the merchant and timestamp were incorrect but refused to tell me what they were actually looking for. I repeatedly asked for the correct merchant name and time so I could verify it, and they refused to provide it. 

I have done nothing wrong and simply want access to the funds I paid for. The companys refusal to assist and inconsistent information are unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
I took out a {$5000.00} loan with One Main Financial in XX/XX/XXXX. As part of the loan approval process, I was advised I would be required to pay via payroll deduction. The agreement is {$87.00} every payday. I made the person processing my loan aware that I am paid semi monthly, the XXXX and the last day of the month. She stated that was ok. I received the loan proceeds XX/XX/XXXX. The first payment was to come out of my XX/XX/XXXX check. I noticed on my XX/XX/XXXX check, the XXXX had already acknowledged the payment account. First payment came out of the XX/XX/XXXX check. 

Since the first payment I have been harassed each week advising me my payment is late. I spoke with someone at One Main Financial around the last week of XX/XX/XXXX and made a one time payment of XXXX after being told I was in the rears. I did not understand why. I was told the one time payment would get me caught up. I continued to be called and texted weekly. I kept explaining my pay dates and what was set up at the time of the loan. At one point the lady that would call me would apologize when she realized who I was. All the while I am not aware fees are accruing. 

I have continued to be contacted. I spoke with a gentleman named XXXX and explained the situation again. He was very rude and told me that I chose pay deduction for payment. I clarified with him that it was a stipulation of the loan and regardless that should have nothing to do with his companies erroneous information. Again fees are accruing. During this call he put me on a soft hold and then a hard hold. I spoke with him today and was told I need to visit a local branch and provide my pay stubs to prove the deductions are taking place. That is abhorrent. They can see that I have been making payments. My husband is also battling XXXX XXXX XXXX XXXX so my time is limited. My balance is not being reported accurately and I am being held responsible for interest erroneously.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: NV

Complaint narrative:
Please promptly eliminate the unauthorized accounts from my credit report. I did not initiate or authorize these accounts and do not know their origins. As per USC 1681g, I formally request their removal within XXXX days. Relevant documents are enclosed for your examination. Furthermore, each bureau reports varying account 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 2025-04-01 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: TX

Complaint narrative:
I have continuously reported the false information reporting on my report. They have not removed the information or responded to my request

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America said I am not any of my payments to the credit bureau {$2600.00} Reported balance Credit limit {$3600.00} You're using 72 % of your account 's limit OVERVIEW Credit limit {$3600.00} Minimum monthly payment -- XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) PAYMENT HISTORY You've made XXXX  % of payments on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 CurrenXXXX XXXXs Not current Last paymentXXXX XXXXXXXX, XXXX Payment statusIn Collections/Charge-off Amount past due {$2600.00} Worst payment XXXX days late ACCOUNT DETAILS Account statusClosed TypeCredit card ResponsibilityIndividual RemarksProfit and loss write-off Account closed by XXXX XXXX Account closed by credit XXXX XXXX XX/XX/XXXX days XXXX ClosedJul XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: CBC Companies, Inc.
State: NJ

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX  XXXX  of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX - XXXXXXXX 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 XXXXXX/XX/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 2025-04-01 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: PA

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents 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 2025-04-01 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:
I had XXXX accounts showing XXXX days late payments due to inaccurate information provided by my loan servicer, XXXX XXXX On XX/XX/XXXX, I called XXXX and spoke with an employee ( ID : XXXX ). She stated the issue was caused by an incorrect mailing address, despite me living at my current address for the past XXXX years. She acknowledged it was their fault and advised me exactly what to tell the credit bureau, stating they would not dispute the information back. She also mentioned that emails they sent me bounced back, which didnt make sense since I have used the same email for XXXX years and received other emails from them in XXXX, XXXX, and XXXX. For them to say they emailed me in XX/XX/XXXX requesting more information is XXXX  % inaccurate, and now Im left picking up the pieces for their error. 

On XX/XX/XXXX, I spoke to XXXX XXXX ( ID : XXXX ), who again advised me to file directly with the credit bureau. I explained that I had already done so, but the information remained inaccurate. XXXX transferred me to her supervisor, XXXX ( ID : XXXX ). During our conversation, we uncovered that in XX/XX/XXXX, I applied for a deferment due to unemployment after losing my job in XXXX. XXXX claimed that I was emailed in XXXX requesting an awards letter to approve the deferment, but I never received any such email. The claim that the email bounced back is completely false, as my email has not changed. Again, Ive been receiving emails from XXXX in XXXX, XXXX, XXXX, and for many years prior, making it clear that the claim of a bounced-back email is inaccurate. 

This error by XXXX caused the XXXX day late payments, severely impacting my XXXX XXXX. It is absolutely impossible for me to have known about the denial of my deferment or the missing documentation request, especially since I was never properly notified. Although I understand its my responsibility to manage my account, there is a clear responsibility on the servicers part to communicate, which they failed to do, as they had for XXXX years prior. They were aware of the bounced-back emails but chose to do nothing, which could have easily been resolved with a simple mailed letter.

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 2025-04-01 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
From XXXX of XXXX XXXX  XXXX XXXX has been fighting me on an identity theft that happen a year ago. XXXX  XXXX XXXX failed to do the report in the beginning of XX/XX/XXXX we are now i. XXXX of XXXX and this has still not been deleted off of credit report it has effect my whole life my credit and the finally sent a letter In XXXX saying I was not responsible for the account and I have sent documention to XXXX and for a year i have disputed and disputed and nothing has changed i am sick XXXX tired of this i have been to collections lost time at work and they still have not deleted it.

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 2025-04-01 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: EQUIFAX, INC.
State: CO

Complaint narrative:
From XXXX of XXXX XXXX  XXXX XXXX has been fighting me on an identity theft that happen a year ago. XXXX XXXX XXXX failed to do the report in the beginning of XX/XX/XXXX we are now i. XXXX of XXXX and this has still not been deleted off of credit report it has effect my whole life my credit and the finally sent a letter In XXXX saying I was not responsible for the account and I have sent documention to XXXX and for a year i have disputed and disputed and nothing has changed i am sick XXXX tired of this i have been to collections lost time at work and they still have not deleted it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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.
State: CO

Complaint narrative:
From XXXX of XXXXXXXX XXXX XXXX XXXXXXXX has been fighting me on an identity theft that happen a year agoXXXX XXXX XXXX XXXXXXXX failed to do the report in the beginning of XX/XX/XXXX we are now i. XXXX of XXXX and this has still not been deleted off of credit report it has effect my whole life my credit and the finally sent a letter In XXXX saying I was not responsible for the account and I have sent documention to XXXX and for a year i have disputed and disputed and nothing has changed i am sick XXXX tired of this i have been to collections lost time at work and they still have not deleted it.

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 2025-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am a victim of identity theft and recently discovered multiple accounts on my credit report that I did not open or authorize. These fraudulent accounts are damaging my credit and were created without my knowledge or consent. I am requesting that all unauthorized accounts and related negative items be removed immediately, as they do not reflect my true credit history. I have filed a report with the FTC and am taking steps to secure my identity. Please consider this a formal request for investigation and removal of these fraudulent accounts. Im prepared to provide any additional documentation needed.

Company response to consumer: Closed with explanation