vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-29 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was a victim of identity theft and even after filing a police report and a complaint with FTC, I STILL have these items on or returning on my credit report. This is ruining my ability to rent or finance anything. I have DOZENS of other accounts for YEARS with stellar payment history and I refuse to pay for anything that isn't mine. Please help me with this. It's been a credit nightmare. Please note that I actually have several accounts with XXXX  that are in good standing ; the one that isn't IS NOT MINE! I even have a screenshot of the email that XXXX  sent me over a year ago confirming that they removed the account because they investigated and CONFIRMED it wasn't mine. Now it's back on my credit reports!!

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 2025-08-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: AL

Complaint narrative:
On XX/XX/XXXX I paid my XXXX XXXX off in full. However Nelnet failed to process it and their only attempt at notification was a paper letter mailed XXXX  days after I made the payment to an old address that I never received, even though I get email notifications from Nelnet and received an email confirmation when I submitted the payment. My account on their website showed that I was paid in full for several days after this until it quietly put the amount owed back onto my account on XX/XX/XXXX. By this time over {$230.00} of interest was added to my account. I called immediately and resubmitted the payment with the verbal agreement that the payment was to cover all the principle, leaving the interest in question, and that an inquiry would be submitted to correct my balance to what it was on XX/XX/XXXX. However, the payment paid off the interest instead and left me with {$230.00} of principle, and no inquiry was filed. I called back on XX/XX/XXXX and an inquiry was finally submitted that is still pending indefinitely on XX/XX/XXXX. I was told I can't pay and be reimbursed if my inquiry is accepted so I have to keep letting it build interest until a decision is eventually made, which I probably wont be notified about.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: NC

Complaint narrative:
T

his CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: NC

Complaint narrative:
T

his CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
Dear CFPB, I am writing to formally lodge a complaint against Synchrony Bank regarding an issue I encountered with transferring funds from my Synchrony Bank account. 

After adding an external account, I was informed by a customer service representative that I would be able to transfer money to this verified external account. However, despite these assurances, I have been unable to complete any transfers from my Synchrony Bank account to the external account. 

This situation has caused significant inconvenience and frustration, as I relied on the information provided by Synchrony Bank 's customer service. I request that this issue be addressed promptly and that I be allowed to transfer funds as initially promised. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: LA

Complaint narrative:
XXXXI sent a certified letter to Equifax with proof of identity and supporting documentation under FCRA 605B. My certified mail tracking number will be provided once available. I am requesting that the following accounts be immediately blocked and permanently removed from my credit report:XXXXAccounts to be blocked and removed: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 XXXXDespite multiple certified disputes and repeated requests, Equifax continues to report accounts and inquiries that are inaccurate, unverifiable, or not properly documented. Previous verified responses do not include competent proof, which constitutes a violation of FCRA 605B, 607(b), 611, and Metro 2 compliance standards.XXXXI expect Equifax to carry out a fully independent and separate investigation for each disputed item, without relying on other bureaus or unverified statements from furnishers. All disputed accounts and inquiries must be blocked within 4 business days of Equifax receiving my certified mail and permanently removed, including from any third-party affiliates or companies that may store or report this informationXXXXThe continued reporting of these unverifiable items has caused me denial of housing, higher credit costs, and significant stress. My personal information was compromised in the 2017 Equifax data breach, for which I received a settlement. Continuing to report unverified items linked to that breach is both reckless and harmful.\nRequested ResolutionXXXXImmediately block all disputed accounts and inquiries under 605B within 4 business days of receiving my certified mail.\nPermanently remove all disputed items from Equifaxs files, including any third-party affiliates or companies used to report, store, or distribute this information.XXXXConduct a fully independent and separate investigation for each disputed item.XXXXConfirm compliance with FCRA 1681e(b), 1681c-2, 1681i, and Metro 2 reporting standardsXXXXAcknowledge my identity breach status from the 2017 Equifax data breach settlement, and provide written confirmation once all items are permanently removed.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 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: AL

Complaint narrative:
This correspondence serves as an additional follow-up regarding inaccuracies on my credit report that are inaccurate, unauthorized, and/or the result of identity theft. Despite previous disputes, these items continue to appear on my credit report. None of these accounts or inquiries were initiated, authorized, or applied for by me, and I have not received any goods, services, or financial benefit from them. Under the Fair Credit Reporting Act ( FCRA ), Sections 605B and 611 ( 15 U.S.C. 1681i ), I am requesting a thorough reinvestigation of these accounts and inquiries. Any item that can not be verified, accurately attributed to me, or shown to be authorized must be removed from my credit report 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 XXXXXX/XX/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 2025-08-30 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: AL

Complaint narrative:
This correspondence serves as an additional follow-up regarding inaccuracies on my credit report that are inaccurate, unauthorized, and/or the result of identity theft. Despite previous disputes, these items continue to appear on my credit report. None of these accounts or inquiries were initiated, authorized, or applied for by me, and I have not received any goods, services, or financial benefit from them. Under the Fair Credit Reporting Act ( FCRA ), Sections 605B and 611 ( 15 U.S.C. 1681i ), I am requesting a thorough reinvestigation of these accounts and inquiries. Any item that can not be verified, accurately attributed to me, or shown to be authorized must be removed from my credit report 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX AND NCB MANAGEMENT SERVICE is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX AND NCB MANAGEMENT SERVICE is a debt collector. They are falsely reporting on my credit!! Account number is XXXX AND XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: AR

Complaint narrative:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: Aargon Agency, Inc.
State: CA

Complaint narrative:
2 collection companies have been applied to my credit for accounts that are not mine. My personal information was used to open the accounts and it is showing on my credit report. 
Creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV 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 2025-08-29 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: MS

Complaint narrative:
The 3 credit reporting agencies are reporting false, inaccurate accounts on my credit report that has yet to be verified! These accounts are negatively impacting my ability to obtain credit. I am requesting a thorough investigation into these accounts under the FCRA.

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 2025-08-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC
State: PA

Complaint narrative:
Selene Mortgage has recorded in monthly bank statements I was months back and now still a month back back on my mortgage since BSI mortgage transferred to them in XX/XX/XXXX. Even though I have proof and they were given proof of all payments, They even said I owed the previous mortgage company payments which I did not and had all bank proof needed. Selene accused me of not paying XXXX, XXXX and XX/XX/XXXX then recanted ( I was with the other mortgage company then ) Selene then admitted their error s and then said I owed for the month of XX/XX/XXXX, the first month of their serving my mortgage. I asked them countless times by letters and phone calls to rectify the situation which they did not. 

I would get monthly mortgage statements for over a year saying I owed {$8000.00}, when my monthly mortgage is a little over {$2300.00}. This only ended in XXXX. The last statement for XX/XX/XXXX says I am two months back which I am not ( usually says over three ). 

XXXX was paid through my bank, XXXX XXXX a few days into XX/XX/XXXX but I receive a mortgage statement in late XXXX saying I never paid XX/XX/XXXX. They have sent letters threatening my credit and have contacted credit agencies saying I am late for XXXX or XXXX months. I had an attorney, XXXX XXXX, write them a letter recently asking them to contact the credit bureaus with the correct information and remove false reports of late payments. 

I have been paying my house insurance since XX/XX/XXXX of which they were informed by a letter from me and an attorney. They sent a check anyway to XXXX XXXX insurance in XX/XX/XXXX, who returned the check payment to them. Recently ( XX/XX/XXXX ) they again contacted XXXX XXXX XXXX ( XXXX months after they were informed I was paying the house insurance and tried to pay my house insurance again, I ahve a letter from agent XXXX who works for XXXX XXXX said they had to send over {$3000.00} of escrow monies byy XXXX set aside for that purpose. XXXX XXXX informed them again they were not to pay the house insurance and it was I who was paying it. They have had no regard for falsely reporting late payments to the credit bureaus, keeping escrow monies they should not have kept and are still keeping, and damaging my credit. I recently applied for a credit card through my bank and one reason was credit history based on XXXX. I am not sure if the bank used XXXX  and XXXX  also.

Company response to consumer: Closed with explanation