vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-01 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: Experian Information Solutions Inc.
State: VT

Complaint narrative:
I do not pay for a plan with Experian. Back in XXXX, we were hacked and I guess I signed up for a free lock or freeze, etc. My have a paid credit reporting account with Equifax and I pay for high secuirty. I went to apply for a car loan on Friday, XX/XX/XXXX. The loan officer said I had to lift the credit lock. I went to log into Experian. Tried to reset password but got the response that my phone and or email didn't match my SS #. I also tried retrieving my used name to see if that was it, and got the same reply. I couldn't get anywhere. I called 3 different phone # 's and got the same BOT on each one. No matter which option I choose, no matter how ofen I asked to speak to a representative I got no help. It always ended up with the BOT saying I'm sorry we can't help you call back later. I spent 3 hours on this. In essence, I can never get back into that account. 


I did something stupid in my desperation, I opened a new account. How do I get a human to help me with this. I need to be able to unfreeze my credit so I can apply for a car loan!!!!! I desperately need a new car. 
Thank you.

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 2025-06-01 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: GA

Complaint narrative:
This account is being reported in a manner that may be in violation of federal law : Account name : XXXX  XXXX XXXX XXXX  XXXX, Account name : XXXX XXXX XXXXt # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under FCRA 1681e ( b ), credit reporting agencies are required to maintain maximum possible accuracy. This account includes inaccurate or outdated information. 

FCRA 1681i ( a ) ( 1 ) ( A ) entitles me to a timely reinvestigation of any disputed item, which has not been adequately addressed. 

FCRA 1681i ( a ) ( 5 ) ( A ) states that if the data furnisher is unable to verify the information, it must be deleted from the report. 

Additionally, under FDCPA 1692g ( b ), I requested debt validation from the collector. They failed to provide any documentation proving that I owe this debt. Reporting a debt without proper validation is a violation of federal law. 

Despite my attempts to resolve this directly with the data furnisher, the account continues to appear on my credit report, harming my creditworthiness and financial opportunities. 

Requested Resolution : A full investigation by the CFPB into the legitimacy of this account Immediate deletion of the account from all credit bureaus if the information can not be verified A written confirmation of the actions taken regarding this dispute I appreciate your attention to this matter and request that you act promptly to ensure compliance with federal credit reporting and debt collection laws.

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 2025-06-01 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: AL

Complaint narrative:
I contact TransUnion, Experian, and Equifax credit bureaus for the past XXXX years stating that Bankruptcy courts do not report to the credit bureaus and it is negatively affecting my credit. Specifically, I am requesting that the bankruptcies are removed from my credit report because it is negatively impacting me from finding housing and employment. 
I understand that bankruptcy filings are public records, but they are not reported to credit bureaus. The bankruptcy court does not report information to credit bureaus.

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 2025-06-01 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: WV

Complaint narrative:
Im a victim of identity theft and several credit cards were opened in my name around XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account was hacked, a XXXX account was created and my personal bank account hacked, XXXX refuses to remove the hard inquiry in XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX refuses to remove the credit card fraudulently opened and is harassing me and threatening me to pay them. XXXX refuses to give me back my money that was withdrawn from my bank account, a planet fitness account was opened. Im being harassed terribly by XXXX XXXX XXXX XXXX XXXX XXXX as my oldest credit report should be an old XXXX account in XXXX XXXX XXXX I filed an ftc report XXXX. I should have no hard inquiries, my oldest account should reflect from XX/XX/XXXX and recent account XXXX XXXX XXXX XXXX. My credit is ruined and Im being threatened. Please make XXXX XXXX stop threatening me as I was a victim of identity theft and several breaches, most current breach XXXX XXXX. 
I

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 2025-06-01 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: SYNCHRONY FINANCIAL
State: WV

Complaint narrative:
Im a victim of identity theft and several credit cards were opened in my name around XXXX XXXX XXXX XXXX XXXX XXXX Synchrony bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX account was hacked, a XXXX account was created and my personal bank account hacked, XXXX refuses to remove the hard inquiry in XX/XX/XXXX and XXXX XXXX refuses to remove the credit card fraudulently opened and is harassing me and threatening me to pay them. XXXX refuses to give me back my money that was withdrawn from my bank account, a planet fitness account was opened. Im being harassed terribly by XXXX XXXX XXXX XXXX XXXX XXXX as my oldest credit report should be an old XXXX account in XXXX of XXXX. I filed an ftc report XXXX. I should have no hard inquiries, my oldest account should reflect from XX/XX/XXXX and recent account Bridgecrest for truck loan. My credit is ruined and Im being threatened. Please make XXXX XXXX stop threatening me as I was a victim of identity theft and several breaches, most current breach XXXX XXXX. 
I

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 2025-06-01 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: Experian Information Solutions Inc.
State: WV

Complaint narrative:
Im a victim of identity theft and several credit cards were opened in my name around XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account was hacked, a XXXX account was created and my personal bank account hacked, XXXX refuses to remove the hard inquiry in XX/XX/XXXX and XXXX XXXX refuses to remove the credit card fraudulently opened and is harassing me and threatening me to pay them. XXXX refuses to give me back my money that was withdrawn from my bank account, a XXXX XXXX account was opened. Im being harassed terribly by XXXX XXXX XXXX XXXX XXXX XXXX XXXXs my oldest credit report should be an old XXXX account in XXXX of XXXX. I filed an ftc report XXXX. I should have no hard inquiries, my oldest account should reflect from XX/XX/XXXX and recent account Bridgecrest for truck loan. My credit is ruined and Im being threatened. Please make XXXX XXXX stop threatening me as I was a victim of identity theft and several breaches, most current breach XXXX XXXX. 
I

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 2025-06-01 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: GA

Complaint narrative:
Ive recently received a copy of credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-01 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MOHELA
State: LA

Complaint narrative:
Mohela recently took over my student loans. My credit score has now dropped as they reported one late payment from 2022. Years before they had ever acquired my loans. Why do they get to report this information when they were not even the loan provider at that time?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: FL

Complaint narrative:
What Happened : I am reporting multiple fraudulent accounts that were opened under my identity without my knowledge or authorization. I did not apply for, open, or use these accounts. I discovered them while reviewing my credit report. 

The fraudulent accounts include : 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 XXXXXX/XX/XXXX I have never done business with these companies. These accounts were not opened by me and are the result of identity theft. 

After discovering these accounts, I took the following actions :

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 2025-06-01 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: FL

Complaint narrative:
What Happened : I am reporting multiple fraudulent accounts that were opened under my identity without my knowledge or authorization. I did not apply for, open, or use these accounts. I discovered them while reviewing my credit report. 

The fraudulent accounts include : 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 XXXXXX/XX/XXXX I have never done business with these companies. These accounts were not opened by me and are the result of identity theft. 

After discovering these accounts, I took the following actions :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I requested my credit report from all three agencies. The first time I requested it by mail and only received a report from Experian. Here recently I requested by phone at XXXX and I only received Experian. Nothing from Transunion or Equifax. When I called they said it would be mail but still nothing. Please assist me with this matter. Has someone stolen my credit information? I'm concerned. It's been months, more than enough time for me to receive my credit report from TransUnion and Equifax

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 2025-06-01 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: FL

Complaint narrative:
Please check the information concerning the equifax data breach below in the attachments.

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 2025-06-01 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: FL

Complaint narrative:
Please check the information concerning the equifax data breach below in the attachments.

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 2025-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SANTANDER HOLDINGS USA, INC.
State: TN

Complaint narrative:
I refinanced my truck and there was an overpayment to on the loan. Instead of just issuing a check they send me a pre paid mastercard. This is unacceptable. They were paid cash they should have refunded with cash. They blocked the card from atm access. I have tried using the card several time and it's been denied for one reason or another. Pre paid cards are not allow, this card is not supported and etc. It is a crying shame they already XXXX me with this interest rate and now I can not access my money when I need it. there are fees and all kinds of charges if not used by a certain date. Just pathetic.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: CA

Complaint narrative:
I was trying to get my student loans paused to better manage my finances, but I have not been able to get clear or consistent information about the status of my loans since XXXX XXXX was purchased by XXXX XXXX in XX/XX/2022. 

I am also concerned that Great Lakes transferred my loan information to Nelnet without providing proper notice or transparency. I only found out that Nelnet was my servicer when I began receiving communications from them, and I did not receive advance notice or explanation from Great Lakes about this transfer. 

Additionally, I recently learned that Nelnet experienced a data breach, potentially exposing my personal information. I was not aware that my data had been shared with Nelnet, and I am deeply concerned that my privacy and security may have been compromised. I believe this violates consumer protection policies and my rights to data privacy. 

Given these circumstancesincluding the lack of proper notice, possible misuse of my personal information, and concerns over consumer policy violationsI am requesting that my student loans be XXXX or forgiven as a resolution to these issues. I also request a clear explanation of how my information was shared and handled, what steps have been taken to protect my privacy, and a thorough investigation into any unauthorized use of my data. 

I want to ensure that my personal information was not shared inappropriately and that I am fully informed about the status of my loan and repayment obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: NJ

Complaint narrative:
This letter serves as a formal demand for compliance with the Fair Credit Reporting Act ( FCRA ) regarding the handling of my credit report. I have requested the following accounts listed below to removed from my credit report due to identity theft. This is my several attempt to resolve this matter. The previous letters have come with XXXX compliance. Your failure to provide verifiable proof and your reliance on generic, non-substantive responses violate federal law and my consumer rights. I will not tolerate these deliberate evasions. 

Despite my repeated disputes, your agency has failed to provide legally required documentation proving the validity of the reported information. Under 15 U.S. Code 1681i ( a ) ( XXXX ) ( A ), upon receiving a dispute, you are legally required to conduct a meaningful investigation and provide substantive evidence verifying the accuracy of the disputed account. Your boilerplate responses do not meet this legal standard, and your continued negligence constitutes a blatant violation of federal law. 

Furthermore, under 15 U.S. Code 1681e ( b ), you are required to maintain maximum possible accuracy in consumer credit reports. Your continued reporting of unverified and inaccurate information, despite my multiple disputes, demonstrates reckless disregard for the law and my rights. 
You have 30 days from the date of this letter to provide the following : 1.Actual verification of the disputed accounts, including original documentation from the data furnisher proving the validity of the debtnot generic statements from the creditor or data furnisher. 
2.A detailed explanation of the investigation conducted, including the specific steps taken to verify the accuracy of the information. 
3.The names, contact information, and job titles of the individuals who handled my dispute. 
4.A statement confirming removal of any information that can not be fully verified as per 15 U.S. Code 1681i ( a ) ( 5 ). 

Failure to comply will result in immediate legal action. I am fully prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, I will explore all legal avenues, including but not limited to, filing a lawsuit for willful noncompliance under 15 U.S. Code 1681n, which entitles me to statutory damages, punitive damages, attorney fees, and costs. 

The following accounts do not belong to me, as they are fraudulent. The banks have agreed to remove these accounts from my records. Im confused why you still feel theyre reporting accurately. Please see these accounts are fully investigated and VERIFIABLE PROOF IS FORWARED TO ME. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: MO

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. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, oag child support, XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, south west Missouri bank XXXX XXXX XXXXXXXX XXXX, has violated my rights. 
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 non-monetary relief
Consumer complaint received 2025-06-01 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: MO

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. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, oag child support, XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, south west Missouri bank XXXX XXXX XXXXXXXX XXXX, has violated my rights. 
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 2025-06-01 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: NC

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had a fraudulent account on my report. Please remove this account from my report. They are hurting my ability to obtain credit.

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