vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-12 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: GA

Complaint narrative:
RE : FRAUDULENT ACCOUNTS & UNAUTHORIZED INQUIRIES REQUEST FOR IMMEDIATE DELETION UNDER FCRA 609 & 605B To Experian Consumer Relations, I am writing to formally dispute several inaccurate and unauthorized items appearing on my credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), Title 15 USC 1681 et seq., specifically 609 ( a ) and 605B, I am requesting the immediate blocking and permanent deletion of the following fraudulent accounts and unauthorized inquiries from my credit file. 
In or around XX/XX/year>, while applying for a mortgage to purchase my first home, I became aware of multiple fraudulent accounts and unauthorized credit inquiries reported across all three major credit bureaus under my name, XXXX XXXX, residing at XXXX XXXX XXXX XXXX XXXX, GA XXXX. 
These accounts were not opened by me and represent clear cases of identity theft : Fraudulent Accounts : XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX  XXXX Account # : XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX  XXXX Account # XXXX XXXX Impact XXXX XXXX ( XXXX XXXX ) Account # : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX ) Account # : XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX Applicable Law : Under 15 U.S. Code 1681c-2 ( Section 605B ), you are required to block and remove any information resulting from identity theft within 4 business days of receiving appropriate proof.

Enclosed you will find : A copy of my government-issued ID A copy of a recent utility bill showing my current address A signed FTC Identity Theft Affidavit A police 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 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: OR

Complaint narrative:
I did not consent to authorize nor benefit from the following account ( s ). Block and Remove.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: OR

Complaint narrative:
I did not consent to authorize nor benefit from the following account ( s ). Block and Remove.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I would like to appeal the outcome of this dispute because Goldman Sachs ( Apple card ) refuses to see all the evidences that proves I returned the products purchased from the merchant XXXX for {$270.00} and I returned all to the sender because the size is too small. All my evidences is so obvious and clear that this bank refuses for their total incompetence and unprofessionalism to see and be able to understand that I returned the products within the expected timeframe of 30 days as exactly descrived by merchant return policy. 
USPS tracking number as well as the merchant email responses clearly they stated to have sent back and received my return under the promises to received a full refund. XXXX warehouse did some internal mistake or error and they did not refund me and that's why I opened this dispute. 
I never meet, as customer, a credit card company of such big incompentence e bad customer service so for this reason I ask CFPB consumer financial protection bureau to step in and help me to let this credit card company finally understand this issue and refund me this amount.

This credit card company over the phone told me that was closed by error and they re-opened for me but they still make to me hard time for a final resolution in my favor. 
This outcome its totally wrong because XXXX ( the merchant ) provides 30 days return to all the This outcome its totally wrong because XXXX ( the merchant ) provides 30 days return to all the orders made and this return was made actually in time because it's less than 30 days. So Apple dispute department made a mistake and that's why I want appeal again and continue the dispute. XXXX confirmed via email to have received my return on XX/XX/XXXX and to have issued a fullrefund but I never received this amount back to my credit card. 
Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-12 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: NJ

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of late payments on my student loans, which appears on my credit report. The details of the account in question are as follows : Loan Servicer Name : DEPTEDNELNET Account Number : XXXX I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ], and as such, my student loans are in deferment status. I have attached documentation, including my enrollment verification letter and loan deferment confirmation, to support my claim. 

The reporting of late payments is incorrect, as I do not owe any payments at this time. I kindly request that you investigate this matter and remove the inaccurate information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
Dear Department of EducationXXXX I am writing to formally dispute my federal student loan obligations due to a significant breach of my personal and financial information. My private data was compromised without my authorization, violating multiple federal laws designed to protect student records and personal privacy. Under the following legal protections, my information should have been safeguarded : Family Educational Rights and Privacy Act ( FERPA ) : Ensures the confidentiality of student records and prohibits the unauthorized disclosure of personal information.

Higher Education Act ( HEA ) : Establishes the responsibility of educational institutions and loan servicers to protect student data. 

Privacy Act of 1974 : Prohibit the unauthorized sharing of person information held by federal agencies. 
Breach of Contract : The unauthorized sharing of student loan borrowers ' personal and financial information with third parties, including XXXX XXXX, constitutes a violation of the contractual obligations to protect borrower data. 

Given the severity of this data breach and the failure to uphold federal protections, I formally request the immediate discharge and cancellation of my student loan debt in full. Please provide written confirmation of receipt of this dispute, as well as information regarding the next steps in the resolution process. 
appreciate your prompt attention to this matter and look forward to you response. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: NV

Complaint narrative:
Unlawfully opened utility bill amounts and dates were not accurate of account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: FL

Complaint narrative:
I am writing to formally dispute and file a complaint regarding inaccurate reporting of late payments and continued derogatory notations by XXXX XXXX XXXX XXXX after full payoff of my auto loan, which was closed as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to my credit report, the loan was fully paid, yet negative payment history was reported post-payoff, Loan Paid Off but Score Dropped. I paid off the loan XXXX XXXX XXXX  ). 

The account was closed XX/XX/year>, which should be neutral or slightly positive. 

I made XXXX payments on time recently, yet your score still dropped. 

This confirms they reported late payments prior to full payoff, affecting your payment history possibly post-payoff reporting of late payments ( which violates FCRA 623 if inaccurate ).

which constitutes false furnishing of credit data in violation of : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing information known to be inaccurate 15 U.S.C. 1681s-2 ( a ) ( 2 ) Duty to correct and update information 15 U.S.C. 1681n Civil liability for willful noncompliance These actions have directly harmed my credit profile, contributing to a XXXX XXXX drop despite my consistent on-time payments and zeroed balance. 

I am demanding a full investigation, deletion of inaccurate information, and proof of permissible purpose for all inquiries. 
If unresolved, I will file complaints with the CFPB, FTC, and my State Attorney General.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX Amount {$1900.00} date XX/XX/year> who creditors if they report credit history inaccurately reason defamation Financial injury law US court of appeals 9th circuit number XXXX XXXX versus XXXX XXXX fine extent of Damages incurred by the wrong party as XXXX by the courts It's x 's in the account number and that is inaccurate or incomplete and it's reporting on Experian and aren't you suing experience for sham investigations like this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have no other names but XXXX XXXX and no other addresses except XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. There are different variances of names and addresses on my credit report, all of which do not belong to me. There is also employment history marked inaccurately that i would like removed. I have contacted Experian, Equifax and Transunion. They have all refused to update and remove all incorrect personal information. Their negligence in doing so is harming both my credit score and my reputation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX , DC XXXX Subject : Formal Complaint Against XXXX XXXX XXXX for FCRA Violations To Whom It May Concern, I am writing to formally file a complaint for the credit bureaus reporting inaccurate and incomplete information in violation of the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my credit report, I discovered several inaccuracies related to an account reported by XXXX XXXX, which include but are not limited to the following : Incorrect account type Inaccurate or inconsistent status update Errors in payment history Incorrect terms of the account Inaccurate past due amount These errors are negatively impacting my credit standing and are not reflective of the actual status or terms of the account. I have attempted to resolve this issue by disputing the inaccuracies through the appropriate credit bureaus, yet the incorrect information remains. 

Under the FCRA, I have the right to expect that only accurate, complete, and verifiable information is reported in my consumer file. I am therefore requesting that the CFPB investigate this matter and take appropriate action to ensure that the inaccurate information is either corrected or removed entirely from my credit report. 

Please find attached any supporting documents relevant to this complaint. I appreciate your time and attention to this matter, and I look forward to your response. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: PA

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights.

Under 15 USC 1681 section 602. States I have the right to privacy.

Under 15 USC 1681 section 604A section 2. It also states that a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B. A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: PA

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights.

Under 15 USC 1681 section 602. States I have the right to privacy.

Under 15 USC 1681 section 604A section 2. It also states that a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B. A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: PA

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights.

Under 15 USC 1681 section 602. States I have the right to privacy.

Under 15 USC 1681 section 604A section 2. It also states that a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B. A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I have a PayPal Credit account, and I noticed a discrepancy between the total purchases, refunds, and payments I made. The total purchases from XX/XX/XXXX to XX/XX/XXXX amount to {$4200.00}, while I have made total payments of {$2000.00}, including a {$100.00} refund for an item I returned on XXXX ( originally {$160.00} ). 

However, my current balance does not reflect this refund correctly, and the remaining due balance seems higher than expected. I believe there is a billing error or an issue with how payments and refunds were applied. I have documents to support all purchases and payments, and I request an immediate review and correction of my account. 

Additionally, I would like to mention that this is not the first time Ive had an issue with PayPal. Last year, I was scammed and overcharged by more than {$2000.00}, and I was never able to recover the funds. I feel I have been defrauded and I demand accountability and full correction of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: WA

Complaint narrative:
This CFPB complaint has been filed to request pursuant of FCRA 605B ( 15 U.S.C. 1681c-2 ) that you Transunion Credit reporting Agency block information appearing on my consumer report that is a result of identity theft and fraud within 4 days of you receiving complaint, This fraudulent and inaccurate information consist of employers these fraudulent accounts have resulted in several fraudulent hard inquiries and collection which I will list below XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses of XXXX XXXX XXXX XXXX XXXX, XXXX, WA, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, WA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, WA, XXXX Credit Accounts XXXX XXXX XX/XX/XXXX Account Number XXXXXXXX XXXX  Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Account Number XXXX Number XXXX. XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Account Number XXXX Number XXXX. Inquiries as follows : XX/XX/XXXXXXXX XXXX XXXX, XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All of the aforementioned accounts, hard inquiries, and collections are a result of Identity theft and fraud. I have attached FTC Identity Theft Report the criminal complaint # is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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:
There has been fraudulent hard inquires made to my consumer report, there unauthorized charges made to my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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:
There has been fraudulent hard inquires made to my consumer report, there unauthorized charges made to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Ive been a victim of identity theft and have proof! They still wont take this stuff off my credit knowing its fraud and not me! Experian, TransUnion, Equifax has breached my account again and again. They illegally post fraudulent information regarding my information on my credit report. I dont have any contract with Experian. Or any credit bureaus to obtain my information my rights to privacy has been violated under FDCPA and FCRA! I filed FTC report as for years. I have police reports as well and they told me this illegal. Under 15U.S.C. 1681i ( a ) ( 5 ), I demand the immediate, outdated, or unverified accounts and inquires!! Failure to comply within 30 days will result in fomal complaints CFPB, FTC, and legal action for damages under 15 U.S.C 1681n and 1681o.

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