vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-16 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: Nelnet, Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX has accessed my student loan information, credit, and social security. My payments are no longer accurately reflected on my credit report and I lost XXXX months worth. This is unacceptable. I entered into a binding contract regarding the repayment of my loans and all was lost when XXXX illegally accessed and manipulated my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Velocity Portfolio Group
State: VA

Complaint narrative:
A loan was applied for in my name that I never applied for ; I have been trying to challenge the loan with great difficulty, and now a debt collector is taking me to court to try and attain payment of this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I am filing a complaint with XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Desoite my submissions, XXXX consistently responds within 24 hrs stating account us accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) 1681I which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ) 12 UC 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in CFPB 's recent administration proceeding. ( File XXXX XXXXXXXX ) I request that CFPB take action to ensure XXXX complies with federal law and provides with proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/XXXX, I opened a JPMCB card, " XXXX XXXX, '' which was charged off due to delinquency on XX/XX/XXXX. I worked with the credit collection agency to pay off the XXXX {$1500.00} of the account in a 'pay for delete " agreement. Shortly after that, as you can see, the account remained " closed '' on my credit report with no balance, but sometime in XX/XX/XXXX, the account was reopened and made active, and I was charged a {$75.00} interest fee. The charged interest was at XXXXXXXX XXXX, which is a direct violation of my Service Members ' Civil Relief Act rights. The account has also been closed and open on my credit report for over 64 months with no resolve. I have called to resolve this issue with no help or information. Furthermore, the account has inaccuracies of my data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Central Holdings, LLC
State: SC

Complaint narrative:
Finance companies refinancing my information without me knowing. They claim if you pay a certain amount and get money back that it doesnt on on your credit report. Thats not true. Also someone is using my info in XXXX XXXX which is on my report. Ive never in my life been to XXXX XXXX. My childrens school had a breach as well which is being monitored. Ive also had someone using my info in my hometown of XXXX. Any this closed should not still be on my credit. Even after going to them and its been paid off or wrote off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing regarding the continued inaccurate reporting on my credit file, despite my initial dispute and my Consumer Financial Protection Bureau ( CFPB ) complaint regarding these errors. Experian previous response was insufficient and noncompliant with the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. 

As noted, the CFPB has sued Experian and XXXX for failing to conduct reasonable investigations into consumer disputes. I have yet to receive actual verification, as required by 15 U.S.C. 1681i ( a ). Simply stating that a debt is " verified '' without providing proper documentation directly from the original creditor is a clear violation of federal law.

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 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including loansIappliedfor. 

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 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 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 2025-03-16 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:
I am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including loansIappliedfor. 

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 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 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 non-monetary relief
Consumer complaint received 2025-03-17 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: SC

Complaint narrative:
Several times to try to get in contact with Equifax to remove items off my credit report like XXXX XXXX they refuse to remove it off my credit report its a thing showing on my credit report and then XXXX cant get no credit at all US code 1681 and they refused to remove it. There is XXXX inquiries and there is XXXX higher inquiries. I would like for them to be removed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: MD

Complaint narrative:
Subject : Formal Complaint Regarding Unauthorized Access to Private Student Loan Data & Request for Loan Forgiveness To Whom It May Concern, Mohela I am filing this formal complaint regarding the unauthorized access and misuse of my private student loan data. It has come to my attention that XXXX XXXX has accessed my personal and financial records through the U.S. Department of Education, violating my right to privacy and potentially breaching federal data protection laws. This is a serious matter, and I demand an immediate investigation into this unlawful access and misuse of my sensitive financial information. 
Additionally, the improper handling of my student loan data has caused significant harm, including a drastic decline in my credit score and financial distress. Due to this privacy violation and the resulting damages, I formally request : The immediate removal of all student loan accounts from my credit report with all credit bureaus. 
Full forgiveness of my student loan balance due to this breach of privacy and the mishandling of my records. 
A pause on all repayment obligations until this matter is fully investigated and resolved. 
I expect a prompt and thorough investigation into this matter, along with a written response confirming the steps being taken to rectify the situation. If necessary, I am prepared to escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and legal authorities to ensure my rights are protected. 
Please confirm receipt of this letter and provide me with a timeline for your response. I appreciate your prompt attention to this urgent matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF TRAFFICKING AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND TRAFFICKING. 

Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: Credit Corp Solutions Inc.
State: GA

Complaint narrative:
My consumer report contains data that was obtained through identity theft. I didn't give explicit written consent or instructions for the transactions in question to be included in my consumer report. I ask that this information 's reporting be stopped and removed. I did not make a factual misrepresentation when I requested to block anything, nor is my desire to block anything related to the request to clock the identified transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 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: PA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Consumer Adjustment Company Incorporated
State: AZ

Complaint narrative:
Consumer ADJ. XXXX Ive had consistent issues with them. Theyre still showing up on my XXXX account. My XXXX  score is XXXX points lower than my other 2 bureaus. This needs to be removed immediately please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On XX/XX/year> it shows a hard inquiry that I didnt recognize from XXXX that I didnt instigate. On XX/XX/year> it shows a hard inquiry from XXXX XXXX that I didnt instigate.

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 2025-03-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TrueAccord Corp.
State: GA

Complaint narrative:
Today XX/XX/year> I checked my credit and saw that this collection is on my account.I have no recollection of getting any letter notifying me of this debt.I don't know this company.

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 2025-03-16 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: LA

Complaint narrative:
I want reported late payments on these accounts removed : XXXX, XXXX XXXX, XXXX, XXXX, XXXX. 


These accounts were paid in full to company : XXXX XXXX  and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Subject : Complaint Against Bank of America Misrepresentation of Rental Income in Loan Approval Process Dear Consumer Financial Protection Bureau, I am submitting this complaint against Bank of America regarding misleading loan application guidance and their failure to honor a commitment related to rental income consideration, which resulted in my mortgage loan denial. 

Issue Summary : In XX/XX/year>, a loan officer from Bank of America, XXXX XXXX, provided an email letter stating that my rental income of {$2200.00} per month would be factored into my Debt-to-Income ( DTI ) ratio for a conventional mortgage. Based on this representation, I took the following actions : Secured a tenant for my current home in reliance on the banks statement. 
Moved forward with the loan process under the assumption that my rental income would be counted. 
However, when processing my loan application, Bank of America refused to include my rental income, despite my actual rental income of {$2100.00} per month, which is nearly equal to the stated amount. This significantly impacted my DTI and resulted in my loan denial. As a result, I am now in a difficult financial and housing situation because : I already committed to a lease agreement with my tenant, meaning I must vacate my current home. 
I am now forced to seek financing from another lender at a higher interest rate and monthly payment, leading to increased financial burden.

Why This Is a Violation : Misrepresentation / Negligent Guidance : The loan officer explicitly told me that rental income would be considered, which led me to make financial decisions that I otherwise would not have made.

Failure to Act in Good Faith : The banks refusal to honor this commitment after I relied on it constitutes bad faith lending practices.

Unfair and Deceptive Lending Practices : Misleading a borrower about loan qualification criteria, then changing the terms, is an un
fair practice that caused financial harm.

ResolutioXXXX Requested :

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 2025-03-16 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: CO

Complaint narrative:
The original debt was from XXXX XXXX XXXX XXXX  we had a 15 month lease we finished are lease and was never asked to sign another lease so we decided to move out after the 16 month and they said we where supposed to give e 60 days notice rent was only only XXXX XXXX XXXX cleaned and keys were dropped off, now selling my debt that I don't owe to national credit system, saying I owe XXXX, they report to my credit every month and stating it's a new debt I've disputed several times and, they are ruining my credit and saying I owe this debt, which I do not owe please help me with this matter, I can't not find a place to rent to me anymore because of this matter, I believe XXXX XXXX XXXX report this debt because I made several complaints on the people in the office, and on the properties up keeping.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This account is involved in litigation. 
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX XXXX I XXXX presume that no proof of the alleged debt, nor therefore any such debt in fact exists.

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