vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-12 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: NM

Complaint narrative:
On or about XX/XX/year>, I recieved notice I was late on a credit account. I went into my account and made the payoff payment. As i looked closer, I was that my account was not 30 days over due. I then looked and it was reported to the credit bureaus. I called the company and they said i was incorrect and there was nothing i could do. i reached out to the credit bureaus but did not get favorable response or no response yet. Could you please reach out to the company and get this fixed? thanks! 

this is them : 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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: CA

Complaint narrative:
On XX/XX/2025, I sent a Goodwill Adjustment Letter to Nelnet requesting the removal of a late payment from my student loan account that was reported on XXXXXXXX XXXX I explained that this was a one-time issue due to extenuating circumstances and that I had otherwise maintained a good payment history. As of now, I have not received a response from Nelnet. Im seeking assistance in having this late payment removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: TX

Complaint narrative:
This letter serves as a formal dispute of a collection account appearing on my credit file. I did not open or authorize this debt, and it appears to have resulted from unauthorized use of my personal information.

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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Advanced Resolution Services Inc.
State: FL

Complaint narrative:
ADVANCE RESOLUTIONS Have been buying and selling, also trading my personal information for monetary gain without my consent, which is identity theft. I DO NOT CONSENT ADVANCE RESOLUTIONS TO COLLECT OR TRADE MY INFORMATION. I DEMAND DELETION OF ALL MY INFO IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
Credit Acceptance Corporation in XXXXXXXX XXXX I had reverse payment got XX/XX/scrub>XXXX XXXX XXXX its was reverse on XXXX XXXX XXXX also a reverse charge for Interest rates both due to me immediately plus interest for failure to pay back in February I have they said didn't make a payment when I actually did never credit my account either they broken the terms of the agreement multiple times still changing me for the vehicle they have possession of it since XXXX XXXX XXXX the XXXX Attorney called me about the reverse payment also interest reverse changes on XX/XX/scrub>XXXX XXXX XXXX my account said I never one payment but under transactions said I did on XXXX XXXX XXXX for {$260.00} I went the General attorney office in Michigan already and the XXXX XXXX XXXX XXXX I suited them in federal court also already I want all the money for parts and labor also they Is immediate Admission of guilt saying the vehicle had mechanical problems

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 2025-07-12 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: EQUIFAX, INC.
State: NY

Complaint narrative:
This complaint is being formally submitted to demand the immediate and permanent removal of all fraudulent, inaccurate, and unauthorized information appearing on my consumer credit report maintained by Equifax, in full compliance with my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ).

You are hereby legally obligated to block all disputed information within four ( 4 ) business days of receiving this complaint, as mandated by federal law. Failure to do so constitutes a direct violation of the Fair Credit Reporting Act and may result in legal action and regulatory penalties. The following accounts and collections were fraudulently created without my knowledge, authorization, or consent, and are the result of identity theft : DEPT OF ED opened XX/XX/XXXX, balance : {$3700.00} DEPT OF ED opened XX/XX/XXXX, balance : {$1700.00} XXXX opened XX/XX/XXXX, balance : {$6200.00} XXXX XXXX opened XX/XX/XXXX, balance : {$300.00} XXXX XXXX XXXX XXXX  opened XX/XX/XXXX, balance : {$2700.00} These fraudulent accounts have also triggered multiple unauthorized hard inquiries and caused severe and unjustified damage to my consumer FICO credit score.

To support this demand, I have attached the following documentation : A full copy of my Equifax consumer credit report showing the disputed items. A list of all fraudulent hard inquiries tied to these unauthorized accounts An official FTC Identity Theft Report ( Complaint # XXXX ), filed with the U.S. Federal Trade Commission, verifying the above items as confirmed identity theft Let this serve as formal notice that I did not open, authorize, or initiate any of the above accounts, collections, or inquiries. They are 100 % fraudulent, and your continued reporting of these items violates federal law.

I demand that Equifax permanently block all referenced items within 4 business days, as required under FCRA 605B.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: NJ

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-07-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
To whom it may concern, I am filing this complaint regarding the unexplained closure of my US Bank Altitude Reserve credit card account and the mishandling of related communications, rewards, and fees. 

On XX/XX/year>, I attempted to use my Altitude Reserve credit card at a fast food restaurant, only to have the transaction declined. Assuming this was a fraud alert, I contacted customer service immediately. To my surprise, I was told that my account had been closed. I was provided with a reference number and advised to call a different department during weekday business hours. 

On XX/XX/year>, I called the number given, but was transferred repeatedly between multiple departments. Despite providing the reference number, no representative was able to locate my account or explain the situation. Each department refused responsibility, and I was left with no explanation for why my account had been closed. 

Eventually, I was told by one representative that the account was closed on XX/XX/year>, yet I did not receive any written notification until XX/XX/year>. The letter I eventually received was dated XX/XX/year>, more than two weeks after the account was reportedly closed. 

Throughout my time as a cardholder, I used the card regularly and paid my balance in full and on time every month. My transaction history shows no suspicious or unusual activity. Nevertheless, US Bank staff simply repeated that they reserve the right to close any account at their discretion, without offering a clear justification, compensation, or recourse. 

In addition to the lack of communication and customer service, I have the following unresolved concerns : I had approximately XXXX Altitude Rewards points at the time my account was closed. US Bank has not provided any means to redeem or recover these points, despite the fact that I earned them through valid purchases. 

I was charged a {$400.00} annual fee on XX/XX/year>. Since the account was closed less than halfway through the year, I believe I am entitled to a prorated refund of the unused portion of this fee. 

I am seeking the following resolutions : 1. A clear explanation for the account closure.

2. A full accounting and reimbursement of the XXXX unused reward points. 

3. A prorated refund of the {$400.00} annual fee. 


I hope the CFPB can assist me in resolving this matter with US Bank. Thank you for your time and attention. 

XX/XX/year> 2025

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 2025-07-12 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: EQUIFAX, INC.
State: OH

Complaint narrative:
This letter is to dispute the presence of an unauthorized hard inquiry on my credit report. I have not applied for any financial product that would justify such an inquiry, and I believe this may have been made in error or fraudulently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I sent a Validation of debt letter in my my data was breached I made them Aware in no action has been taken

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 2025-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This letter serves as a formal dispute of an address currently appearing on my credit report. I have no connection whatsoever to this location and have never used it for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: CA

Complaint narrative:
I send a XXXX payment to the wrong person. A complete random stranger {$450.00}. I tried immediately calling US back to retrieve the $ back. Initially I was told they would try to get it back for me. Then I got a letter in the mail stating my claim was denied. I have spoken to the escalation dept 2xs. They will not tell me the reason why they cant retrieve my ) back only that it was denied. The last supervisor XXXX from the Fraud Dept hung up on me. I am a good long standing customer. I want to know what is going on and why they cant get me my {$450.00} back. Pls help me

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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I filed a dispute regarding incorrect information on my credit report. However, I received an email from the credit bureau stating that they are assuming my disputes came from a third party, which is not true. I even called to verify my identity, yet they still refused to process my disputes. I spent money mailing my disputes and provided personal information to verify my identity, only for them to dismiss my request without a proper investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: PA

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Subject : Demand for Immediate Deletion of Unverified Account XXXX XXXX XXXX XXXX ( Account # : XXXX ) To Whom It May Concern, This is a formal demand for the * immediate deletion * of the following account from my credit file : * Creditor : XXXX XXXX XXXX XXXX XXXX XXXX * Account Number : XXXX * Current Status : Charge-Off {$6500.00} I have contacted the creditor * three times * requesting legally required verification under the Fair Credit Reporting Act ( FCRA ). They failed to provide : - A signed agreement, - Itemized history of charges and payments, - Properly dated pre-reporting notices, - Legal proof of the alleged debt.

Their only response was a generic XXXX XXXX agreement, which does not meet the standard of verification required under * 15 U.S.C. 1681s-2 ( b ) *.

Since the information can not be verified, its continued reporting is a violation of * 15 U.S.C. 1681i ( a ). I am not requesting reinvestigation I am demanding * * permanent deletion * of this unverifiable item from my credit report.

Failure to comply will result in legal escalation.

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: IN

Complaint narrative:
Jefferson Capital Systems is reporting and attempting to collect a debt that appears inflated and has not been fully validated. I did not receive an itemized bill or sufficient legal proof of the charges. I believe the amount is inaccurate and may include unauthorized or excessive fees. As a low-income single parent facing financial hardship, I have also been denied housing due to this entry. I am requesting that this account be investigated and removed if found to be inaccurate or improperly handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: VA

Complaint narrative:
I recently reviewed my credit report from Experian and noticed multiple hard inquiries that I did not authorize or recognize. I have never applied for credit with the companies listed, nor did I give permission for them to access my credit report. These inquiries were not initiated by me, and I am concerned they may be the result of identity theft or improper access to my credit file.

Specifically, I am requesting the removal of the following unauthorized hard inquiries : Inquiries dated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( 2 inquiries ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 inquiries ) Inquiries dated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( 17 inquiries ) XXXX XXXX XXXX XXXXXX/XX/XXXX ( 11 inquiries ) XXXXXXXX XXXX XXXXXX/XX/XXXX Inquiries dated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry dated XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry dated XX/XX/XXXX : XXXX XXXX ( date not listed please verify if its also XX/XX/XXXX or separate ) Inquiry dated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries dated XX/XX/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  I submitted disputes directly with the credit bureaus, but I am now filing this complaint to ensure a full investigation is conducted. I am requesting that these unauthorized inquiries be removed from my credit report and that the companies involved provide documentation showing that I gave written authorization for these inquiries, as required by law.

The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq, is U.S. federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. Together with the Fair Debt Collection Practices Act, the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in 1970 and is enforced by the U.S. Federal Trade Commission, the Consumer Financial Protection Bureau, and private litigants.

Since Experian has failed to demonstrate fair and accurate reporting, and XXXX failed to protect consumer data by allowing my information to be compromised during a known breach, I am seeking immediate removal of these unauthorized inquiries and corrective action to protect my credit file moving forward.

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 2025-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Summary of the problem : I was the victim of an online scam. I was tricked into sending {$1100.00} to someone I thought was offering a legitimate opportunity through XXXXXXXX XXXX XXXX. I provided Capital One with all proof of the fraud, but they denied my claim and refused to help me recover my funds. 

I feel Capital One has failed to protect me as a customer, and I am now requesting your assistance in reviewing this matter and helping me get justice. 

I am available to provide all evidence, screenshots, and payment history. 


Below are the details of the transactions involved : 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 XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation