vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-21 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: DC

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 non-monetary relief
Consumer complaint received 2025-03-21 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:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away. Kindly remove and block them.

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 2025-03-21 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: NJ

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I had set up payment threw paper in stead they sent it threw email.If u look at my history that was the only strike

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-22 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: GA

Complaint narrative:
Pursuant to 18 USC 8, I owe no debt, this company violating my consumer right to privacy pursuant to 15 USC 1681 b 2. company has also no permission to report anything using my info pursuant to 15 USC 1681 4.

I have not supplied proof under the doctrine of estopper by silence, Engelhardt v Gravens ( mo ) 281 SW 715, 719 1 Presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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:
Pursuant to 18 USC 8, I owe no debt, this company violating my consumer right to privacy pursuant to 15 USC 1681 b 2. company has also no permission to report anything using my info pursuant to 15 USC 1681 4.

I have not supplied proof under the doctrine of estopper by silence, Engelhardt v Gravens ( mo ) 281 SW 715, 719 1 Presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

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 2025-03-21 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Debtor : Nelnet Acct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XX/XX/2025 Subject : Request for Deletion/Forgiveness of Student Loan Information Due to Data Breach To Whom It May Concern, I am writing to formally request the removal or forgiveness of my student loan information from my credit report due to a serious privacy violation. It has come to my attention that my personal data was accessed without my consent through the U.S. Department of Education by XXXX XXXX or entities under his direction. This unauthorized access has compromised my personal and financial information, leading to significant distress and potential misuse of my data. 

I have already filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding this matter. My complaint requests an investigation into how my personal data was accessed and shared without my consent, the specific information that was obtained, and the legal basis for such access. I have also requested that the CFPB take measures to prevent future unauthorized access and protect consumers ' personal information.

Given these circumstances, I respectfully request the following : 1. The immediate removal or forgiveness of my student loan information from my credit report due to this breach of privacy.

2. An investigation into how my data was accessed and shared without my consent.

3. Measures to prevent further unauthorized access to my sensitive information.

I believe that my rights under the Fair Credit Reporting Act ( FCRA ) and other relevant privacy protection laws have been violated. I urge you to take appropriate action to rectify this situation and protect my financial standing. 

Please let me know if you require any additional documentation or information to support my request. I appreciate your prompt attention to this matter and look forward to your positive response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: TX

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: AL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

"

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 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: DC

Complaint narrative:
To whom it may concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to 15 USC 1681e ( b ), this charge-off isnt reported correctly. Heres whats wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX XXXX XX/XX/XXXX. My only phone number is ( XXXX ) XXXX and the only current address is XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX XXXX. 
Thanks, XXXX XXXX Items in Need of Deletion : Collections/ Charge offs 1. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : XXXX XXXX. Account name : XXXX Account opened : XX/XX/XXXX Amount owed : XXXX XXXX. Account name : Dept of Education Account opened : XX/XX/XXXX Amount owed : {$5700.00} 4. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : XXXX XXXX. Account name : Dept of Education Account opened : XX/XX/XXXX XXXX owed : {$2300.00} XXXX. Account name : Dept of Education Account opened : XX/XX/XXXX XXXX owed : {$4800.00} XXXX. Account name : Dept of Education Account opened : XX/XX/XXXX Amount owed : {$2300.00} 8. Account name : Dept of Education Account opened : XX/XX/XXXX XXXX owed : {$5900.00} 9. Account name : Dept of Education Account opened : XX/XX/XXXX Amount owed : {$6000.00} 10. Account name : Dept of Education Account opened : XX/XX/XXXX Amount owed : {$2200.00} 11. Account name : Dept of Education Account opened : XX/XX/XXXX Amount owed : {$2500.00} 12. Account name : Dept of Education Account opened : {$3700.00} Amount owed : XX/XX/XXXX 13. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$850.00} Inquiries Account name : XXXX XXXX Amount Opened : XX/XX/XXXX Account name : BRCLYSBANKDE Account opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: GA

Complaint narrative:
I am writing this complaint against TransUnion for failing to maintain accurate information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 es seq. Despite submitting a formal dispute regarding the inaccurate information, TransUnion has failed to investigate and correct the errors within the required time frame. The inaccurate information on my credit score, and I believe TransUnion 's actions constitute a breach of their legal obligations under the FCRA. Specifically. I believe TransUnion has violated the following :. 15 U.S.C. 1681 e ( b ) - Failure to ensure maximum possible accuracy of the information contained in the credit report.

. 15 U.S.C. 1681i - Failure to conduct a reasonable investigation of disputed information within required 30-day period.

. 15 U.S.C. 1681 s-2 ( b ) - Neglecting to ensure that furnishes of the inaccurate information conducted a proper investigation.

Furthermore, I am seeking the following remedies :. The immediate correction or removal of the inaccurate information.

. A written statement from TransUnion confirming the corrections.

. Assurance that my credit report will accurately reflect my history moving forward.

Thank your for your attention to this matter.

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 2025-03-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: The Savings Group, Inc.
State: MD

Complaint narrative:
I applied for an auto loan refinance through The Savings Group , Inc. ( which operates under various names, including XXXX and XXXX ). During the process, I was quoted a monthly payment of {$330.00} and was not informed of several fees, including a {$540.00} processing fee, a {$130.00} prepaid finance fee, and a {$15.00} tax-related fee. These charges only appeared in the final documents, without prior disclosure as the initial quote was only for {$560.00} but now a total of {$670.00}. 

Additionally, I was told I would be responsible for printing an 18-page document and paying for notarization, even though these requirements were never explained upfront. While they covered FedEx shipping, they failed to inform me of these added burdens until the final stages. 

When I requested that all communication regarding the loan terms be handled via emailfor transparency and personal documentationthe assigned loan specialist refused. He, XXXX XXXX insisted on phone-only communication, stating he would not alter the process " just for one person '' and pressured me to proceed or have my file closed. I expressed that I was not comfortable moving forward without clear written answers to my questions regarding the loan terms and fees. 

I also discovered that the agreement included a variable interest rate with the possibility of increasing to 18 % as early as the second monthagain, a critical term not disclosed in advance. 

I asked for my application to be canceled and for my personal information to be removed from their systems. I am concerned about how my personal and financial information is being handled and whether it is being shared with third parties. 

This experience has raised serious concerns regarding transparency, fair lending practices, and data privacy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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:
My information was used fraudulently. XXXX XXXX XXXX XXXX collections account was opened on XX/XX/XXXX reporting a balance of {$3700.00}. I have no idea from what debt this is even for. Also, XXXX was opened on XX/XX/XXXX reporting a balance of {$0.00}. I never opened this account a day in my life. XXXX XXXX opened on XX/XX/XXXX reporting a a balance of {$690.00}. All 3 of these accounts were not opened by me i was never aware of any of these accounts until reviewing my credit report this year.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains that this is not closed on my credit report on this was settled for a amount of {$1300.00} that was paid and agreed upon with collections for the account. They stated once paid it will be removed from my credit this is 4 years later and still showing on my credit report.

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 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains that this is not closed on my credit report on this was settled for a amount of {$1300.00} that was paid and agreed upon with collections for the account. They stated once paid it will be removed from my credit this is 4 years later and still showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains that this is not closed on my credit report on this was settled for a amount of {$1300.00} that was paid and agreed upon with collections for the account. They stated once paid it will be removed from my credit this is 4 years later and still showing on my credit report.

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 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX Social Security XXXX XXXX, a resident of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Security Freeze Request : I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : A copy of my drivers license or government-issued ID. 
A copy of a recent utility bill or bank statement confirming my current address.

A copy of my Social Security Number. 
Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, 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