vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-19 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:
RE : Formal Complaint and Demand for Immediate Action CFPBs Failure to Enforce FCRA XXXX To Whom It May Concern : This letter serves as a formal legal demand and notice of grievance concerning the Consumer Financial Protection Bureaus continued failure to uphold its statutory obligations under the Fair Credit Reporting Act ( FCRA ) specifically Section XXXXB ( 15 U.S.C. XXXX ) in response to multiple complaints and identity theft documentation submitted by myself, [ Your Full Name ]. 

Despite repeated and timely uploads of my Identity Theft Report, government-issued ID, proof of residency, and a complete listing of fraudulent accounts and inquiries, your office has repeatedly rejected my supporting documents without justification, failed to initiate a proper investigation, and failed to provide any written results, deletions, or case resolution within the mandated timeframe. This is a gross XXXX of your regulatory duties and a clear violation of consumer protection law. 

Pursuant to XXXX XXXXB, the credit reporting agencies are legally obligated to block fraudulent information within XXXX ( XXXX ) business days of receiving proper documentation. When they fail to do so, the CFPB is the agency tasked with enforcing compliance. Your inaction amounts to negligence, and you are hereby placed on notice that you are aiding and abetting willful noncompliance. 

Let me be absolutely clear : the continued presence of fraudulent accounts and inquiries on my credit file is causing ongoing harm, including credit denials, financial loss, and emotional distress. Should this matter not be immediately rectified, I will seek monetary damages, including but not limited to : Statutory damages under FCRA XXXX XXXX Actual damages under Section XXXX Punitive damages for willful noncompliance Legal fees and costs This is not a requestit is a demand for accountability and immediate regulatory action. I insist that the CFPB : Accept and properly file the Identity Theft documentation I have provided Enforce immediate removal/blocking of the disputed information under FCRA XXXX Provide a written resolution, case number, and final determination without further delay

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Account Recovery Services, Inc.
State: TX

Complaint narrative:
The alleged debt in question is reporting inaccurately, and XXXX different entities are trying to collect on the alleged debit with XXXX different amounts. XXXX from XXXX and the other from XXXX XXXX. XXXX has reported the debt on XXXX but both have recently sent correspondence for the debt in question. 

PLEASE SEE ATTACHED FOR DETAILS.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Kikoff Inc.
State: FL

Complaint narrative:
The problem with KIKOFF LENDING LLC is that I started using their service to build my credit. They said that in 3 months, it would work, but it didnt. They also said that I could cancel anytime, which I did, and I made the last payment. On my credit report, it shows as paid and closed, so why am I still seeing it on my report? I need this removed from my credit report, please. I add a screenshot below.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
In XX/XX/XXXX, I began the process of receiving XXXX XXXX  overseas. I returned to the U.S. with XXXX, with the intent to have the XXXX XXXX  placed abroad within six months. 

In XX/XX/XXXX, my XXXX  partially broke. Due to my obligations as a full-time XXXX, I was unable to travel back overseas and sought local assistance. I contacted XXXX XXXX XXXX for help with minor repairs. 

I had only three appointments with XXXX XXXX : XX/XX/XXXX This visit involved paperwork and XXXX. I was charged {$670.00}. 

XX/XX/XXXX More XXXX were taken, and XXXX XXXX glued the XXXX. During this visit, his assistant XXXX applied for a CareCredit account in my name without my full understanding of the implications, and {$9000.00} was charged immediately. There was no clear explanation of what this charge was for, and I did not authorize or sign for any procedure costing that amount. 

XX/XX/XXXX I was told I would be receiving new XXXX. Instead, XXXX XXXX performed a surgical procedure without my knowledge or consent. It was extremely painful, and my XXXX  bled for over 24 hours. I was then charged an additional {$1800.00}. 

Afterward, I messaged the office expressing my distress and clarifying that : I had not agreed to XXXX ; I was told Id be receiving XXXX XXXX ; I felt misled and taken advantage of ; I would not be returning due to a loss of trust and fear of further unauthorized procedures. 

In total, I have been charged {$11000.00} for services I neither agreed to nor received in full. My original need was only minor repair of XXXX. The billing is excessive, deceptive, and medically unjustified. 

I filed a dispute with CareCredit ( Synchrony Bank ) and submitted clear documentation and communications showing lack of informed consent, misrepresentation, and unauthorized charges. Despite overwhelming evidence, CareCredit denied my dispute and sided with the provider. 

It appears CareCredit prioritized the providers interests possibly because XXXX  offices like XXXX XXXX generate significant business for them and initiate the account setup process themselves, as happened in my case. I was not fully informed or given the opportunity to understand what I was being billed for before being locked into thousands of dollars of debt. 

I am respectfully requesting that : The full {$9000.00} be refunded to my CareCredit account, as it was unauthorized and not linked to services I agreed to or received. 

A thorough investigation be conducted into how CareCredit is allowing providers to open and charge accounts without proper informed consent from patients. 

I be protected from further billing or credit impact resulting from this 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 explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/year>, I mailed a formal dispute letter to TransUnion requesting the removal of closed accounts with XXXX  balances that no longer serve a purpose on my credit report. 

I specifically disputed the following accounts 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 XXXX XXXX XXXXhese accounts : Are closed Have {$0.00} balances Have no late payments or delinquencies I cited my rights under the Fair Credit Reporting Act ( FCRA ) and requested that the accounts be removed as they no longer serve a legitimate purpose in evaluating my creditworthiness and may be hurting my credit score unnecessarily.

The problem : Despite providing proper documentation ( ID and proof of address ), Transunion has : Not responded within the XXXX legal timeframe or Responded with a denial but failed to provide documentation or a legitimate reason for continuing to report these accounts or Failed to perform a reasonable investigation into the matter This violates the FCRA and XXXX right to maintain a fair and accurate credit profile.

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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I SENT A DISPUTE LETTER TO EXPERIAN ON XX/XX/year> ABOUT INVESTIGATING SEVERAL ACCOUNTS THAT APPEARED TO BE FRAUDULENT, WHICH, IN RETURN, WERE NEGATIVELY REPORTING TO MY CREDIT FILE. 

THE XXXX  BUSINESS IS REPORTING XXXX DIFFERENT BALANCES TO MY EXPERIAN CREDIT REPORT, WHICH IS INCORRECT. I CAN'T HAVE ON AN AFFIRM ACCOUNT BUT XXXX DIFFERENT BALANCES. 

THIS ACCOUNT NEEDS TO BE REMOVED DUE TO BEING FRAUDULENT AS WELL AS BEING INACCURATE IN THE CREDIT FILE INFORMATION. 

THEY HAVE ALSO YET TO RESPOND TO MY DISPUTE WITHIN THE XXXX LIMIT, WHICH IS A VIOLATION OF MY CONSUMER RIGHTS UNDER XXXX XXXX CODE XXXX. 

THE XXXX  ACCOUNT ( XXXX ) NEED TO BE REMOVED FROM MY CREDIT REPORT WITHIN THE NEXT 5 DAYS OR EXPERIAN WILL BE SUBJECT TO A LAWSUIT FOR THE CONSUMER RIGHTS VIOLATION. 

BELOW I WILL ATTACH THE ORIGINAL DISPUTE LETTER THAT WAS SENT 30 DAYS AGO, AS WELL AS THE SCREEN SHOTS FROM XXXX XXXX XXXX XXXX  WHICH SHOWS THE XXXX  ACCOUNT WITH XXXX DIFFERENT INCORRECT BALANCES. 

I WILL ALSO ATTACH MY LICENSE, XXXX CARD, AND A PIECE OF MAIL WITH MY NAME AND ADDRESS LISTED.

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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this formal complaint regarding Experian, XXXX, and TransUnion for their repeated failure to comply with federal laws under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 



I have submitted multiple disputes requesting validation of certain accounts reporting negatively on my credit reports. Specifically, I requested : Verification of the original signed contracts Complete account histories The full chain of assignment showing legal ownership of the debt Despite these requests, the 3 credit bureaus have repeatedly failed to provide the required documentation and have continued to report these accounts without proper investigation. These actions are in direct violation of 15 USC 1692g, which mandates that upon request, debt collectors must provide proper validation of the alleged debts.

The refusal to provide this legally mandated documentation and their continued reporting of unverifiable accounts constitutes willful non-compliance. Therefore, I am requesting that the Consumer Financial Protection Bureau investigate this matter and demand the immediate deletion of the unvalidated collection accounts from my credit reports, as they are : 1. Unsubstantiated by original contracts or documentation 2. Not validated per federal law 3. Damaging to my consumer rights and financial standing Enclosed with this complaint are certified mail receipts and XXXX tracking confirmation showing my good faith efforts to resolve these issues directly with the agencies. Their failure to act leaves me with no alternative but to escalate this complaint for regulatory review and enforcement. 



I respectfully request that the CFPB take immediate action to ensure the deletion of these accounts and to hold these agencies accountable for non-compliance.

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 2025-07-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MN

Complaint narrative:
I have paid off all my student loans. My loan servicer was XXXX. I am now receiving mail from nelnet for someone elses loans with a similar name. XXXX XXXX XXXX. My name is XXXX XXXX XXXX XXXX I dont have access to nelnet nor am I able to create an account as the person has different personal information. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX lives at my address. I would like nelnet to update address information so this mail and all other communications go to the correct individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: TX

Complaint narrative:
Dear Experian I am a victim of identity theft and unauthorized activity related to a data breach. Pursuant to theFair Credit Reporting Act 15 U.S. CXXXXe XXXX ( Section XXXXB ), I request that you immediately block and delete the fraudulent account in my name. I also request that you ceaseany reporting of these accounts to credit bureaus XXXX, Experian and XXXXTo support this request, I have included the following documentsXXXX. A copy of my government-issued ID.XXXX An Identity Theft Report from the FTC XXXX. Proof of addressAccount Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXXAccount Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX and XXXX Account Number : XXXX. Please confirm the account name, account number has been blocked and deleted within XXXX ( XXXX ) business days, as fraudulent activity violates my rights under FCRA Section XXXXB. If additional information is required, contact me promptly.Thank you for your attention to this matter.Sincerely, 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
Consumer complaint received 2025-07-19 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: TX

Complaint narrative:
The items listed in my identity theft report were open fraudulently without my consent.

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 2025-07-19 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: I.C. System, Inc.
State: IL

Complaint narrative:
I am a victim of identity theft. Fraudulent accounts were opened in my name without my knowledge or consent. I submitted disputes and a valid FTC Identity Theft Report under FCRA 605B to all three credit bureaus XXXX, XXXX, and XXXX requesting that the fraudulent accounts be blocked and removed within XXXX business days. Despite this, the accounts remain and continue to be reported inaccurately. 

The credit bureaus and data furnishers have violated the Fair Credit Reporting Act ( FCRA ) and, in some cases, the Fair Debt Collection Practices Act ( FDCPA ). 
Violations Include : FCRA 605B Failure to block fraudulent accounts within 4 business days FCRA 611 Failure to investigate and correct inaccurate information FCRA 623 ( a ) ( 1 ) Reporting information known to be inaccurate FCRA 607 ( b ) Failure to ensure maximum possible accuracy FCRA 605 ( a ) ( 4 ) / ( 5 ) Reporting negative data beyond 7 years FDCPA 809 Failure to validate debt Misrepresentation Reporting a foreclosure on a car repossession Fraudulent Accounts Include : Ideal Auto Sales Repossession misreported as foreclosure, unverified balance XXXX XXXX XXXX XXXX Charge-off reporting past 2025 IC System/ XXXX Unvalidated collection Duplicate Loan Entries Fraudulent or inaccurate Impact : These errors severely damage my credit and interfere with employment and housing. I submitted full documentation ( FTC affidavit, ID, proof of address, disputes ) and received no proper resolution. 

What Im Requesting : Immediate removal of all fraudulent accounts Written confirmation that items are blocked Investigation into noncompliance by furnishers

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 2025-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was the victim of a sophisticated scam impersonating a Wells Fargo fraud department representative. A scammer, calling from a spoofed number, gained access to my account by posing as a fraud investigator and directing me to transfer {$9500.00} to a XXXX account via XXXX XXXX. I realized I was being scammed and went immediately in person to a Wells Fargo branch to stop the pending transaction. Despite acting quickly and filing a fraud report, Wells Fargo allowed the transaction to complete and has denied responsibility. 

I never consented to this transaction knowinglyit was made under fraudulent coercion. Wells Fargo had the opportunity to stop the transfer while it was still pending, and they failed to protect me. They are using technical language to deny a clear case of authorized push payment fraud. I am requesting a thorough review by the CFPB and reconsideration by Wells Fargo. 

I have filed XXXX claims with Well Fargo and both were denied. I had the claims escalated to the claims executive team at Wells Fargo. They stated that there is nothing they could do. I was also repeated told at the Local Wells Fargo XXXX XXXX that " this sort of thing happens on weekly basis '' and that " the Claims Department will be able to recover your funds ''. I was misguided and was given false reassurance by the XXXX, XXXX  Wells Fargo bank and put my trust in the bank. This APP Fraud incident has been reported to Police Department, FBI, and Secret Service. 
Well Fargo Claims surround case : XXXX XXXX Wells Fargo Executive Office who denied Claim : XXXX ( Assigned Case Worker ) XXXX Local Wells Fargo Branch Location : XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-07-19 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:
RE : Formal Complaint and Demand for Immediate Action XXXX Failure to Enforce FCRA 605B To Whom It XXXX Concern : This letter serves as a formal legal demand and notice of grievance concerning the XXXX XXXX XXXX XXXX continued failure to uphold its statutory obligations under the Fair Credit Reporting Act ( FCRA ) specifically Section 605B ( 15 U.S.C. 1681c2 ) in response to multiple complaints and identity theft documentation submitted by myself, [ Your Full Name ]. 

Despite repeated and timely uploads of my Identity Theft Report, government-issued ID, proof of residency, and a complete listing of fraudulent accounts and inquiries, your office has repeatedly rejected my supporting documents without justification, failed to initiate a proper investigation, and failed to provide any written results, deletions, or case resolution within the mandated timeframe. This is a gross XXXX of your regulatory duties and a clear violation of consumer protection law. 

Pursuant to Section 605B, the credit reporting agencies are legally obligated to block fraudulent information within XXXX ( XXXX ) business days of receiving proper documentation. When they fail to do so, the CFPB is the agency tasked with enforcing compliance. Your inaction amounts to negligence, and you are hereby placed on notice that you are aiding and abetting willful noncompliance. 

Let me be absolutely clear : the continued presence of fraudulent accounts and inquiries on my credit file is causing ongoing harm, including credit denials, financial loss, and emotional distress. Should this matter not be immediately rectified, I will seek monetary damages, including but not limited to : Statutory damages under FCRA Section 616 Actual damages under Section 617 Punitive damages for willful noncompliance Legal fees and costs This is not a requestit is a demand for accountability and immediate regulatory action. I insist that the CFPB : Accept and properly file the Identity Theft documentation I have provided Enforce immediate removal/blocking of the disputed information under FCRA 605B Provide a written resolution, case number, and final determination without further delay

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: MI

Complaint narrative:
UNAUTHORIZED INQUIRIES ON REPORT According to ( FAIR CREDIT REPORTING ACT ), LEGALLY THESE UNVERIFIED & UNAUTHORIZED ITEMS MUST BE REMOVED!

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 2025-07-19 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: MD

Complaint narrative:
Recently I Looked at a copy of my credit and noticed several inaccuracies on my account. This is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure. Here is the account I am asking you to verify as accurate : 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 non-monetary relief
Consumer complaint received 2025-07-19 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: MD

Complaint narrative:
Recently I Looked at a copy of my credit and noticed several inaccuracies on my account. This is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX & XXXX

Company response to consumer: Closed with explanation