vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX MD XXXX INQUIRIES : XXXX XXXX Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: Self Financial Inc.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally express my continued concern regarding the unresolved inaccuracies on my credit report, specifically related to the reported missed and late payments on my account. Despite multiple attempts to address this matter through the appropriate dispute process, the issue remains unresolved and continues to negatively impact my creditworthiness. This ongoing inaccuracy is hindering my ability to obtain credit and is adversely affecting my daily life. 

Please find a summary of my dispute history below : First Dispute XX/XX/year> I submitted a dispute to challenge the reported missed payments on the account. I requested that you provide a full record of all payments made and any missed payments since the account was opened. 

Second Dispute XX/XX/year> In this follow-up correspondence, I reiterated my original concerns, stating : " I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. '' I also expressed my disagreement with the outcome of your previous investigation and requested documentation supporting your findings, or that the inaccurate information be removed from my credit report. 

Third Dispute XX/XX/year> This communication was a formal request for status verification. I stated : " I do not agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amounts of any missed payments and the exact date this account became delinquent. '' Fourth Dispute XX/XX/year> I again disputed the account and repeated my prior request : " I do not agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. '' I also reiterated that I do not agree with the results of your investigation and requested either evidence supporting your determination or the removal of the negative payment information. 

To date, I have not received satisfactory responses or the necessary documentation validating the negative entries. I respectfully request a thorough re-investigation into this matter. If the negative payment history can not be substantiated with valid documentation, I request that it be promptly removed from my credit file! 

Thank you for your prompt attention to this matter. I look forward to a timely resolution!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: MD

Complaint narrative:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have 15 days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

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 2025-07-09 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: NC

Complaint narrative:
I am disputing an account reported by XXXX XXXX ( Account Number : XXXX ) that appears on my credit report. I have no knowledge of this account and did not authorize or open it. 

Under the Fair Credit Reporting Act ( FCRA ), I request a full investigation. If the account can not be properly verified, it should be removed immediately from my credit report to ensure accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX, NC 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 2025-07-09 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:
Today is XX/XX/XXXX. This is a formal identity theft dispute filed pursuant to FCRA 605B. I am submitting XXXX supporting documents : a signed identity theft statement, a valid FTC Identity Theft Report, my government-issued ID, proof of current address, and a full, unredacted credit report. I did not authorize the hard inquiry from XXXX XXXX dated XX/XX/XXXX and did not initiate or open the XXXX account ending in XXXX ( Account # XXXX ). I never applied for credit from this company, never consented to the inquiry or account, and have never had any relationship or benefit connected to them. These entries are fraudulent and the result of identity theft. All required documentation has been submitted in full compliance with FCRA 605B. This law clearly mandates that consumer reporting agencies must permanently block all disputed items related to identity theft within XXXX business days of receiving proper documentation. No reinvestigation is required. I am invoking this legal right. This is not a request this is a lawful demand backed by statute.

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: KY

Complaint narrative:
Issue : Inaccurate and incomplete reporting of student loan accounts after servicer transfer to Nelnet Summary : After my federal student loans were transferred to Nelnet, my credit score dropped significantly. Experian is reporting 13 separate Nelnet tradelines, each listing a 30-day late payment in XX/XX/XXXX. However, both XXXX XXXX XXXX are not showing any delinquent status or payment history beyond XXXX, and are listing these same Nelnet accounts as Pays account as agreed. Despite this, my score has been impacted on all three bureaus. 

My last payment was made in XX/XX/XXXX. I had not been notified of a due date, nor received updated billing information from Nelnet until after their internal transfer had already triggered multiple 30-day lates. These accounts were also split into multiple smaller loans during transfer, multiplying the damage and triggering duplicate derogatory marks. This has made it : 1. Impossible to properly dispute the derogatory
marks through XXXX XXXX XXXX since they are not displaying any visible delinquency. 
2. Difficult to reconcile conflicting reporting between bureaus.

3. Devastating to my credit score despite unclear or missing data. 

Additionally, I underwent major XXXX on XX/XX/XXXX, and was out of work while starting a new business in late XXXX. At the time of the reported late payments, I was under the impression that my loans remained in deferment, as they had been prior to the transfer to Nelnet. I may have received paper correspondence, but no clear digital notice or billing updates were provided to indicate a change in status. Additionally, the fragmentation of my original loans into multiple accounts exaggerated the credit impact of a single delinquencywithout clear or accessible warning.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: IL

Complaint narrative:
Request for Permanent Deletion of Closed Account XXXX XXXX account number XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I was able to finally get online in maybe XXXX and information updated. They were asking for like $ XXXX payment on $ XXXX loan and I said that was ridiculous as I have never done business and upon calling with my info prior I was informed of no loan. They did so forbearance so I only had to pay {$450.00} loan was before I got loan forgiveness email in 2021. 

The issue is this also was being reported as. It paid but in contacting them I didnt have enough info to get into account til I saw it reported on credit agencies. They havent been willing to help said that since Im not military or student everything was done the way it should be. 

Filing this report and XXXX be engaging counsel for options to seek damages for this negative reporting from a company I had previously never did business with and never contacted me on this until I finally got enough info to update my accounts online. And now since I was able to do this they arent willing to help. 

Something need done this is ridiculous!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-07-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
I dont have the exact date, however, the California Check Cashing Stores in XXXX XXXX California contacted  my employer as part of debt collection practice. I informed them my employer does not accept personal calls, and to not contact him as he is no longer my employer. he messaged me today about the company again, and that violates my consumer rights as ive already informed them not to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: OK

Complaint narrative:
I submitted a written dispute to XXXX XXXX of XXXX regarding the accuracy of my reported balance, payment history, and account status. They refused to investigate because my letter lacked a handwritten signature and SSN digits, which are not required under the Fair Credit Reporting Act ( FCRA ). I was never contacted directly with investigation results, violating FCRA 611 ( a ) ( 6 ) ( B ). 

They are reporting XXXX on-time payments in early 2023, but their own records show no payments were made. The reported balance of {$640.00} doesnt match the contract or payment ledger and appears inflated. The account is marked as both charged off and in collections, which is misleading. 

I request full deletion of this tradeline due to inaccurate reporting and failure to properly investigate my dispute.

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 2025-07-09 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: MA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX MA XXXX INQUIRIES : XXXX Date : XX/XX/year> XXXX XXXX XXXX : XX/XX/year> XXXX XXXX  Date : XX/XX/year> XXXX XXXX Date : XX/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 2025-07-09 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/2023, Balance : {$0.00}

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 explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
Credence Resource Management, Im unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide Certified Mail with receipt displaying my signature. If not, please delete account Credence Resource Management as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: TX

Complaint narrative:
Please remove all these items from my Credit report : - ADDRESSES : - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ACCOUNTS : - XXXX I had not checked my Credit report in a long time. I went to the Bank and was informed of these items. I don't know who could have done this. This is identity theft and a nightmare.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: PA

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: NY

Complaint narrative:
This is my third formal submission under the Fair Credit Reporting Act ( FCRA ) 605B, following up on identity theft disputes filed on XX/XX/XXXX, and again on XX/XX/XXXX. In both prior disputes, I submitted a full and legally complete identity theft package, including my government-issued ID, Social Security card , proof of current address, a valid FTC Identity Theft Report, and a full, unredacted credit report from XXXX. After my second submission, only the unauthorized inquiries were removed. However, the fraudulent account XXXX XXXX  XXXX, credit card, opened XX/XX/XXXX, Acct # : XXXX, balance : {$610.00} still remains on my report. Under FCRA 605B ( a ), you were required to block all identified fraudulent information within 4 business days of receiving the complete documentation. You failed to do so. Under 605B ( b ), if you chose not to block an item, you were required to send me a written explanation within 5 business days stating the specific legal reason. I have received no such explanation. Let me be very clear : youve already acknowledged the legitimacy of the identity theft claim by removing the inquiries. Leaving this account in place, without legal justification or notification, is a direct and repeated violation of federal law. This is not a misunderstanding this is documented noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-07-09 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: LA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: FL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ 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