vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-11 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 : CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-11 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:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. The information in question is Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Incorrect -Name : - XXXX XXXX XXXX XXXX This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter 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 2025-04-11 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: GA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I found an unauthorized inquiry on my credit report this morning and Im completely frustrated. I always check my credit regularly, and this time its showing something that makes absolutely no sense. I thought maybe it was a glitch and refreshed my browser, but the issue stayed. I need someone to go over the documents Ive already sent without delay to ensure this is taken care of once and for all.

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 2025-04-11 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: Nelnet, Inc.
State: VA

Complaint narrative:
I am filing this complaint against Nelnet due to severe and unjustified negative credit reporting that has significantly impacted my financial standing. My credit report was recently updated to reflect over XXXX late payment entries from Nelnet, which has caused my XXXX XXXX to drop by over XXXX points. This action was taken without any prior notice, warning, or correspondenceI did not receive any emails, letters, or alerts informing me of this drastic change before it was reported to the credit bureaus. 

Additionally, I have become aware of an ongoing XXXX XXXX involving student loan accounts, which raises serious concerns regarding unauthorized access to my personal and financial information raising concerns over a XXXX violation. Given this security lapse, I have reason to believe that my account records may have been compromised or altered without my consent. 

I am in the process of purchasing a home and this has caused my loan to be halted until this is remedied. This has caused XXXX XXXX XXXX  and this error in reporting needs to be remedied immediately. I did not authorize any changes to my account status, and I no longer feel comfortable having my student loans serviced and reported to the credit bureaus under these conditions. 

Violations and XXXX XXXX XXXX XXXX. Failure to Provide Notice of Negative Credit Reporting - Under the Fair Credit Reporting Act ( FCRA ), loan servicers are required to provide accurate and fair reporting. I was not notified in advance that these accounts would be marked late, which denied me the opportunity to address any potential issues before they were reported. 

XXXX. Possible Unauthorized Reporting and Account Compromise Due to XXXX XXXX XXXX The reported data breach involving Nelnet raises serious questions about the integrity of my loan accounts. If my data was exposed or manipulated, Nelnet may have incorrectly or fraudulently reported late payments that I did not actually incur. 

XXXX. Failure to Properly Investigate and Verify Account Status - Given the security risks and errors in reporting, I request full verification and documentation proving the legitimacy of the late payments, including a detailed account history showing how and when they were marked late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: CA

Complaint narrative:
I am attaching XXXX fraudulent accounts contained in a FTC report to be blocked removed under FCRA section 605B as I have been a victim of identity theft. I had previously submitted a complaint but my California ID was expired. I have since obtained a current Identification card to prove my identity to further the process of addressing these issues on my consumer report. I have also cited some violations I am seeing of my credit file and its kinda like a double whammy to have fraudulent accounts on ones consumer report then have them double reporting and re-aging.

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 2025-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Hello, On XX/XX/XXXX, Chase bank froze my business account due to a check. Chase claims the check was fraudulent activity. The check was written from a company Name XXXX XXXX. I have been doing business with them since XXXX, I received a check from them every 2 weeks into my chase account, they should be able to check the account history. This cause chase to freeze all my accounts and refuses to let me withdraw my funds. One of the accounts is currently negative due to the check been return, the other account the has been frozen has more than enough funds to cover the balance, but they have refused to allow me access to any of my accounts. I have contacted the issuer of the check, and they did place a stop payment on my check due to them been contacted by their bank on possible fraud. There were multiple vendors like me affected by this issue, but I was the only one who had to ask a client to contact my bank to please unrestricted my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. 
Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to block and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : CRDMGMCOMP ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CRDMGMCOMP ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CRDMGMCOMP ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CRDMGMCOMP ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. 
Ceaseanddesistasap

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: OH

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX Experian XXXX - XXXX XX/XX/XXXX Experian

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 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
i have submitted disputes to you and i didnt get response within 30 days and ya 'll are required by law to do so. Please investigtes my disputes, please. Thank you.

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 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
i have submitted disputes to you and i didnt get response within 30 days and ya 'll are required by law to do so. Please investigtes my disputes, please. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
Unable to acess acount have no idea whats going on! Banks are pretending like consumers are making errors and thos guys have advanced algoryms that wipe thier butts after they done XXXX  on you. Automatically Seamlessly. Banks opening accounts and shut you right out. Its getting pretty bad unathorized trademark use! Be asvised Flat fee on {>= $1,000,000} XXXX XXXX per incident of unathorized unlicensed XXXX usage if you dont wanr to pay the Price dont use it but no execuses and thats per incident be advised by using Trusts  Trademarked property you agree to my fee shedule and are on the Honor sysytem and recieve 50 % discount for being honerable and not requiring us to collect then full usage fees will be stricktly enforced. And if you no like you no buy. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: SC

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. The information in question is Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, SC XXXX -Employer XXXX XXXX XXXX XXXX  -Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter 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 non-monetary relief
Consumer complaint received 2025-04-11 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: SC

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. The information in question is Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, SC XXXX -Employer XXXX XXXX XXXX XXXX  -Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : Late Open XXXX XXXX XXXX XXXX {$15000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : Late Open XXXX XXXX XXXX XXXX {$15000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
My State Disability benefit payments were sent to a US Bank account. The US Bank back office closed my account without my knowledge alleging fraud. The most recent payments of {$440.00}, {$1300.00}, {$4400.00}, and {$6100.00} with {$41.00} was held by the bank total of {$12000.00} was never sent to me. A few days later, I received a notice from XXXX stating that my electronic payments would no longer be automatically deposited to my account. I was also advised by XXXX that I would have to certify for benefits before each payment. Starting XX/XX/2025 I was already certified by a doctor around XX/XX/2025 to receive benefits until XX/XX/2025. XXXX changed the benefit end date to XX/XX/2025 despite my doctor completing the continuation of benefits until XX/XX/2025. I changed my method of payment to a XXXX XXXX card around XX/XX/2025 and was given a phone number to an automatic XXXX XXXX phone number that had no record of my account. Therefore, I am requesting reporting fraud and an immediate resolution to receiving my XXXX payments of {$12000.00}. XXXX US Bank assistance changed the zip code of my address and stated the check went to the wrong address. Another US bank assistant corrected the address. I was advised to visit a local branch to verify my ID and did do so with Branch XXXX XXXX XXXX XXXX. ( XXXX ) XXXX XXXX XXXX XXXX XXXX, CA XXXX. I received informed delivery that the check would be in my mailbox on XXXX which has not arrived as of to date. When I went to the mail box there was a tall XXXX XXXX XXXX XXXX on a bike who kept going in and out of the door. There was also XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that pulled up slowly beside me stop and go as I walked away from the mail box looking to see if I had anything in my hand. I contacted US Bank customer services who kept the call on hold for a long period of time until coming back on the phone asking if I reported that the account was fraud. I never reported fraud on the account and was not given a fraud number. I contacted the fraud department who advised me to go back to another branch to verify my ID. This is totally outrageously ridiculous that Banks are doing this type of stuff to people who they think they can do this type of stuff and get away with it! 

It is very ironic that my account was not closed as fraud when someone with a XXXX account debited my account XXXX times for {$500.00}, {$500.00}, {$500.00}, and {$500.00} total of {$2000.00}. Your immediate response and resolution is greatly appreciated. 

Thank You, 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 2025-04-11 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: TX

Complaint narrative:
I am filing a formal complaint against XXXX, Experian, XXXX, and XXXX for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the XXXX Department of Education. 

Complaint Details : Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education. 

Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment. 

Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ). 

I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action.

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