vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
i was a victim of identity thief for a credit card with premier bank and they sold the card to another company known as XXXX XXXX funding and went to court on XX/XX/year>, and it was dismissed, and then XXXX XXXX went to my credit at trans union and said i was late XXXX XXXX XXXX etc. and my score plunge to XXXX points

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 2025-06-22 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: TX

Complaint narrative:
Experian seems to allow second reporting from debt collection agencies which dropped my credit significantly after original credit card sold my debt when I tried to work with via phone. I dont think its fair to allow that to XXXX reported again this has dropped me from a almost XXXX down to barely over XXXXXXXX XXXX with original credit card vendor reporting charged off status and then I work my way back up past a XXXX to be taken back down with debt collector to a XXXX. I dont think that is fair for Experian, TransUnion or any other Credit bureau to allow double reporting. I also think that a debt collector needs to have a signed agreement from consumer agreeing to pay that debt directly to them before 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 non-monetary relief
Consumer complaint received 2025-06-22 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:
I have reviewed Equifaxs response regarding the XXXX XXXX account ending in XXXX and must express serious concerns about the investigation conducted. This account was originally opened by my husband to help me with my credit, and although my name was later added, I never signed any agreement with XXXX XXXX agreeing to be financially responsible for it. I have never reported this account as fraud, and it should never have been reported on my credit file. Additionally, I received a letter from XXXX XXXX claiming the account was determined to be fraudulent ; however, this is inaccurate, and they provided no documentation or evidence supporting this claim. Despite their assertions, the account remains on my credit report, unjustly harming my credit score, seemingly to avoid responsibility while continuing to report inaccurate information. Under the Fair Credit Reporting Act ( FCRA ), Equifax must conduct a reasonable, thorough investigation of disputed information, including timely reinvestigation ( 15 U.S.C. 1681i ), notifying furnishers to investigate and report results ( 15 U.S.C. 1681s-2 ( b ) ), certifying permissible purpose for credit inquiries ( 15 U.S.C. 1681b ), maintaining maximum accuracy ( 15 U.S.C. 1681e ( b ) ), and bearing liability for willful or negligent noncompliance ( 15 U.S.C. 1681n and 1681o ). However, Equifaxs response merely states that the account " belongs to me '' based on XXXXXXXX XXXX unverified information, without providing contracts, authorization, or verification. Therefore, I demand a full reinvestigation, including review and disclosure of all documentation proving my liability, disclosure of all evidence from XXXX XXXX, certification of permissible purposes for credit pulls, and removal of the account if XXXX XXXX can not provide legally sufficient proof. Failure to comply will prompt me to seek all available remedies, including reporting to the CFPB, FTC, and pursuing damages under the FCRA. I expect a detailed response within XXXX days as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Unauthorized Inquiries Was Placed On My Credit Profiles Without My Consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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: TX

Complaint narrative:
Unauthorized Inquiries Was Placed On My Credit Profiles 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 explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: DE

Complaint narrative:
DEAR, CREDIT COLLECTIONS SERVICES XXXX, MA XXXX I am writing this to formally dispute the debt you have reported to the credit bureaus on my Profile, and to notify you that your actions constitute a violation of my consumer rights. 

violation : You've reported this collection to the credit bureaus without validating the debt upon request. I have not received any proper notice of this alleged debt nor have you provided sufficient documentation proving I owe this debt or that you have legal authority to collect it. This debt appears on my credit report in violation of my rights under the fair DEBT COLLECTION PRACTICES ACT ( FDCPA ) & FAIR CREDIT REPORTING ACT ( FCRA ).

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR1006.34 ( d ).

I hereby request Immediate removal of this account From all credit bureauXXXX XXXX XXXX XXXX XXXX XXXX

suspension of any collection activity until validation is complete. If you can not provide proper validation of this debt & the agreement between you and original creditor within 30 days, you must delete this account from all credit reporting agencies and cease all collection attempts as required by LAW. 

This is a formal notice. 

sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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: CO

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

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 2025-06-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
Previous CFPB complaint XXXX In one of the calls regarding this previous complaint with XXXX XXXX XXXX  Synchrony Bank disputing the late fees and {$1.00} charge for paper statements in the middle of a promotional offer of no interest for 24 months, I requested all the paper statements for the promotional period of the initial charge.

The deceptive practices of this bank continue to elude me.

In an analysis of these paper statements, after 2 late fees were assessed on the account my credit limit was INCREASED by {$2200.00}. On the statement with a new late fee, the credit limit was increased from {$6000.00} to {$8200.00}.

So I am delinquent with payments but receive a credit increase??

In additional analysis of all emails for this account, I would receive 1 email noting my statement was available but never an email reminding me a payment was due on the specific date as the statement would state. In fact there was never an indication in the emails that I was late making a payment and a fee has been assessed. 

Since I refuse to pay the balance on this card which is the total amount of late fees, ( essentially junk fees ) with interest attached and not the actual " product '' purchased, I am bombarded with emails and phone calls almost daily. They are charging late fees on top of " unpaid late fees ''. It started at {$150.00} and is now {$300.00}. 

The practice of charging for paper statements in itself is wrong. The banks strategy to increase profits with fees with this method is proven effective for the shareholders, not the consumer. 

I have an XXXX XXXX credit card and have never been charged for paper statements.

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 2025-06-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
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 XXXX 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 non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I submitted a complaint to both XXXX XXXX as well as XXXX  about XXXX student loans I had. I had a small loan from my university, XXXX XXXX XXXX, as well as a loan through Nelnet, a direct consolidation loan. As is well known at this point, XXXX XXXX involvement in the XXXX XXXX XXXX XXXX  had him and many in his team handling and sharing sensitive and private student borrower loan information protected by FERPA. This information was shared without my direct express consent. I reported this violation to both XXXX XXXX and XXXX  and they immediately took action and had the XXXX XXXX XXXX  loan removed from my credit report for this violation, while the nelnet federal loan remained untouched. My concern here is Nelnets predatory lending system and how theyve managed to avoid accountability for this FERPA violation and how it makes no logical sense that one loan violated FERPA and the other did not, when its essentially the same thing. Im formally requesting that the same process of violation recognition be given to my Nelnet federal loan and for it to be removed from my credit report for this protective rights violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: GA

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
RE : IDENTITY THEFT FRAUDULENT ACCOUNTS FCRA 605B BLOCK REQUEST To whom it may concern, My name is XXXX XXXX XXXX, and I am a victim of identity theft and multiple data breaches. As a result, several fraudulent accounts and inquiries have been added to my credit file without my authorization. I am submitting this formal dispute letter in accordance with my rights under the Fair Credit Reporting Act Section 605B ( 15 U.S.C. 1681c-2 ). Please consider this letter a formal request to block and remove all inaccurate, fraudulent, and unauthorized accounts from my Equifax credit report. I have never authorized these accounts, and they are harming my ability to obtain credit. 



Fraudulent Accounts to Be Removed : TBOM/ASPIRE ( Account ending in XXXX ) XXXX XXXX XXXX Bank ( Account ending in XXXX ) Self Financial / Lead Bank ( Account ending in XXXX XXXX XXXX XXXXXXXX ( Account ending in XXXX ) Credit XXXX Bank XXXX Account ending in XXXX ) XXXX XXXXXXXX Bank ( Account ending in XXXX ) TBOM / Genesis Retail ( Account ending in XXXX ) XXXX XXXX XXXX XXXX XXXX Account ending in XXXX ) Kikoff Lending LLC ( Account ending in XXXX ) Zolve ( Account ending in XXXX ) These accounts were opened without my knowledge or permission and have never been used or managed by me. Please remove them immediately, along with any related inquiries. 

FTC Identity Theft Reports Filed : # XXXX # XXXX # XXXX CFPB Complaints Filed : # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX Documents Included With This Letter : XXXX. A copy of my government-issued photo ID XXXX. A copy of my Social Security card XXXX. A utility bill or lease as proof of current address XXXX. A highlighted copy of my credit report ( if available ) XXXX. Copies of FTC identity theft reports XXXX. List of CFPB complaint reference numbers

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 2025-06-22 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: PA

Complaint narrative:
RE : IDENTITY THEFT FRAUDULENT ACCOUNTS FCRA 605B BLOCK REQUEST To whom it may concern, My name is XXXX XXXX XXXX, and I am a victim of identity theft and multiple data breaches. As a result, several fraudulent accounts and inquiries have been added to my credit file without my authorization. I am submitting this formal dispute letter in accordance with my rights under the Fair Credit Reporting Act Section 605B ( 15 U.S.C. 1681c-2 ). Please consider this letter a formal request to block and remove all inaccurate, fraudulent, and unauthorized accounts from my Equifax credit report. I have never authorized these accounts, and they are harming my ability to obtain credit. 



Fraudulent Accounts to Be Removed : XXXX ( Account ending in XXXX ) XXXX XXXX XXXXXXXX XXXX ( Account ending in XXXX ) XXXX XXXX XXXX XXXX XXXX  ( Account ending in XXXX ) XXXX XXXX ( Account ending in XXXX ) XXXX XXXX XXXX  XXXX Account ending in XXXX ) XXXX XXXX XXXX  ( Account ending in XXXX ) XXXX XXXX XXXX XXXX  ( Account ending in XXXX ) XXXX XXXX XXXX XXXX XXXX Account ending in XXXX ) XXXX XXXX XXXX ( Account ending in XXXX ) XXXX ( Account ending in XXXX ) These accounts were opened without my knowledge or permission and have never been used or managed by me. Please remove them immediately, along with any related inquiries. 

FTC Identity Theft Reports Filed : # XXXX # XXXX # XXXX CFPB Complaints Filed : # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX Documents Included With This Letter : XXXX. A copy of my government-issued photo ID XXXX. A copy of my Social Security card XXXX. A utility bill or lease as proof of current address XXXX. A highlighted copy of my credit report ( if available ) XXXX. Copies of FTC identity theft reports XXXX. List of CFPB complaint reference numbers

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 2025-06-22 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: PA

Complaint narrative:
RE : IDENTITY THEFT FRAUDULENT ACCOUNTS FCRA 605B BLOCK REQUEST To whom it may concern, My name is XXXX XXXX XXXX, and I am a victim of identity theft and multiple data breaches. As a result, several fraudulent accounts and inquiries have been added to my credit file without my authorization. I am submitting this formal dispute letter in accordance with my rights under the Fair Credit Reporting Act Section 605B ( 15 U.S.C. 1681c-2 ). Please consider this letter a formal request to block and remove all inaccurate, fraudulent, and unauthorized accounts from my Equifax credit report. I have never authorized these accounts, and they are harming my ability to obtain credit. 



Fraudulent Accounts to Be Removed : XXXX ( Account ending in XXXX ) XXXX XXXX XXXX Bank ( Account ending in XXXX ) XXXX XXXX XXXX XXXX XXXX  ( Account ending in XXXX ) XXXX XXXX  ( Account ending in XXXX ) XXXX XXXX XXXX XXXX Account ending in XXXX ) XXXX XXXX XXXX ( Account ending in XXXX ) XXXX XXXX XXXX XXXX ( Account ending in XXXX ) XXXX XXXX XXXX XXXX XXXX Account ending in XXXX ) XXXX XXXX XXXX ( Account ending in XXXX ) XXXX ( Account ending in XXXX ) These accounts were opened without my knowledge or permission and have never been used or managed by me. Please remove them immediately, along with any related inquiries. 

FTC Identity Theft Reports Filed : # XXXX # XXXX # XXXX CFPB Complaints Filed : # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX Documents Included With This Letter : XXXX. A copy of my government-issued photo ID XXXX. A copy of my Social Security card XXXX. A utility bill or lease as proof of current address XXXX. A highlighted copy of my credit report ( if available ) XXXX. Copies of FTC identity theft reports XXXX. List of CFPB complaint reference numbers

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I am filing a complaint regarding a closed and paid account with Comenity Capital Bank/XXXX XXXX account ending in XXXX ). This account was paid in full and is marked as closed on my credit report ; however, it is still being reported by the credit bureaus despite a verbal agreement for a pay-for-delete. 

At the time of payment, I was verbally assured by the creditor that once the balance was paid in full, the account would be deleted from my credit report entirely. While the account does reflect as closed and paid, the negative history and tradeline remain on my credit report, which is impacting my credit score unfairly. 

I am requesting that Comenity Capital Bank honor the verbal agreement and remove this account from all credit reporting agencies ( XXXX XXXX XXXX XXXX ). I have fulfilled my obligation by paying the account in full, and I expect the creditor to follow through on their commitment to delete the account from my credit reports. 

Please investigate and take appropriate action to ensure this account is removed from all credit reports in a timely manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
Method of verification process, I DEMAND PROOF under Section 611 of the F C R A

Company response to consumer: Closed with explanation