vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 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: TN

Complaint narrative:
I am formally disputing the following negative items on my credit report : Also Known As : XXXX, XXXX, A These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The XXXX XXXX XXXX  toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under 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 non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXXXXXX XXXXXXXX XXXX Subject : Credit Reporting Dispute Inaccurate Balance Reporting Dear Consumer Financial Protection Bureau, I am submitting a formal complaint regarding inaccurate information reported on my credit report by [ Credit Card Company Name ]. The account in question originally had a balance of {$500.00}, but I have since paid the balance down significantly. 

I believe this misreporting is negatively affecting my credit profile, and I have contacted the creditor but the error has not been corrected. I am requesting the CFPBs assistance in investigating this matter and ensuring that my credit report accurately reflects my current balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Amount owed me is {$1100.00}. Check dated XX/XX/XXXX, issued from Nationstar D/B/A Mr.Cooper Consent Order copy of check was attached to communications XXXX XX/XX/XXXX Called and emailed Mr. Cooper advised they couldn't help and advised to contact XXXX XX/XX/XXXX emailed XXXX - No response XX/XX/XXXX second email to XXXX XXXX XXXXXXXXXXXX XXXX- No response

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THE ADDRESSLISTED BELOW, IS NOT MY ADDRESS. 
MY NAME IS ON EQUIFAX DATA BREACH AND LAWSUIT FOR EXPERIAN. PLS DELETE- PER 15 USC 1681 ( B ) / 15 USC 1681S-2 ( B ) ADDRESS DISPUTE- XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-04-22 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: TN

Complaint narrative:
Experian is reporting multiple XXXXXXXX XXXX  XXXX XXXX XXXX student loan accounts as having balances, even though these loans were fully paid by the XXXXXXXX XXXX XXXX XXXX 

My most recent XXXX statement, dated XX/XX/year>, shows that each loan has a {$0.00} balance and has been marked paid. However, my Experian credit report still shows incorrect balances on several of these accounts ranging between {$2000.00} and over {$11000.00} per account. These errors appear even though the accounts are also labeled " paid '' or " closed '' in some cases. 

This inaccurate balance reporting is negatively affecting my debt-to-income ratio and may impact my ability to qualify for future loans. This violates the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681e ( b ), which requires credit reporting agencies to ensure maximum possible accuracy of consumer 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 explanation
Consumer complaint received 2025-04-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
It has come to my attention that my personal information has been exposed in a data breach. After reviewing my credit reports, I noticed some accounts that I am not familiar with. I have asked the CRA 's for validation of debt, however, the information has not been provided. Due to my information being exposed, I have submitted an FTC complaint reporting the information I am not familiar with. 

Please see attached copy.of my ID, the FTC complaint, a copy of the XXXX  XXXX XXXX, & a validation of debt letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TX

Complaint narrative:
Chime Allowed {$300.00} to be taken from my account without reason or proper explanation XXXX  years ago and never repaid me all the did was deny the claims after I sent them proof and several documents with the money being taken and closed my account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer 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 non-monetary relief
Consumer complaint received 2025-04-21 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: NY

Complaint narrative:
Hello, my name is XXXX XXXX XXXX who resides at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I am respectfully writing this complaint to bring to your attention SEVERAL unauthorized inquiries on my credit report. This has dropped my score in result of a hard inquiries and i do not recognize or approve of them. I was alerted via XXXX XXXX app about these negatives. I did not sign my signature for these at all. Speaking to representatives over the phone has not helped. I have contacted all XXXX major credit agencies about this matter and they refuse to comply. They place me on hold for hours and hang up. This is unfair to me as a consumer. I have already created a FTC as well. 
FTC Report XXXX : XXXX You can Find the inquiries below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: MO

Complaint narrative:
In XX/XX/XXXX, I discovered a debt account from The Bureaus Inc., referencing XXXX XXXX, was being reported on my credit reports. I did not recognize this debt and submitted XXXX formal written requests for debt validation to The Bureaus, sent via USPS with tracking ( delivered on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). 

The Bureaus failed to provide proper documentation to validate the debt under the Fair Debt Collection Practices Act ( FDCPA ), including a signed contract, a full chain of assignment, itemized statements, or any records identifying the debt as mine. Their responses were incomplete, missing referenced exhibits, contained unreadable or fragmentary pages, and lacked any personal identifying information tying the account to me. Additionally, none of the cover letters were signed or authenticated. 

Despite this, The Bureaus continued to report the debt to credit reporting agencies, violating FDCPA 1692g ( b ) and FCRA 1681s-2. Continued reporting of a debt without verification is unlawful and damaging. 

I am requesting that the CFPB investigate this matter. I've attached a detailed letter with all relevant dates, summaries of correspondence, and legal citations. I have also attached copies of the responses I received from The Bureaus and proof of my validation requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: GA

Complaint narrative:
On XX/XX/year>, XXXX XXXX instructed his team of XXXX  XXXX XXXX XXXX XXXX XXXX  ) to gain access to multiple internal systems within the Department of Education, including financial aid dataset that contains the operational information of millions of students enrolled in the federal student aid program. My information was amongst that dataset that has been compromised. It has also resulted in multiple inaccurate reports to my credit which led to a major decrease in my credit score and multiple harassing spam calls and emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: TX

Complaint narrative:
I am formally disputing the following negative items on my credit report : Also Known As : XXXX, XXXX, XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX Employers : EMPLOYED These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under 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 non-monetary relief
Consumer complaint received 2025-04-22 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: CO

Complaint narrative:
this alleged debt of XXXX was previously removed credit services illegally indicated them as the original creditor. credit services is NOT the creditor and i supplied proof months ago that i had another insurance provider. these acts are illegally to ollect a debt not owed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: FL

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: DC

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
XXXX XXXX CBNA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX To Whom This May Concern, This letter is a formal complaint that you are reporting completely inaccurate and misleading information on my credit report. This inaccurate information is not only stopping me from obtaining credit, it is damaging my financial well being and seriously hurting my character.

Enclosed with this letter are the details of the account in dispute, with all of my personal information to verify my identity to help expedite this process.

By provisions of 15 US section 1681i of the Fair Credit Reporting Act, these items need to be investigated. Please provide me with proof of these items, specifically the contract bearing my signature. Failing that, please update the record to show as PAID IN FULL/AS AGREED or REMOVE this item from my credit report as soon as possible. This is a very serious matter affecting my everyday life. 
The outlined item is completely inaccurate and a very serious error in reporting. Please update this information : This account is listed as a collection/charged off account on my credit report but I have not recieved a 1099C for this charged off debt. Can you please provide me with a 1099C to accurately reflect this as a charge off for tax purposes and please update my credit report accordingly. 
Pursuant to 15 US section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be provided within 15 days of the completion of your investigation.

I appreciate your prompt attention to this matter as these may seem like small reporting errors to you but they are serious offenses on my report when it is time to purchase a home, a vehicle, look for a business loan or even to obtain employment. Please consider expediting this process for me. I no longer live at XXXX XXXX XXXX XXXX Ga, so if you could please send it to the address listed below, thank you. 
Thank you. 
Sincerely, XXXX XXXXXXXX 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 2025-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, at XXXX hours, I received a text message from ( XXXX ) XXXX that appeared to be an imitation text message notification from the Bank of America automated message system. The message asked me if I authorized the amount of {$9800.00} USD. I replied " No '' and then received a phone call from ( XXXX ) XXXX. A male voice introduced himself as " XXXX XXXX from Bank of America '' and asked me if I authorized a transaction to a XXXX XXXX, to which I replied I did not. The male voice had me go on my Bank of America app and transfer the {$9800.00} USD to routing number XXXX and account number XXXX with my own name and address. The male voice explained that the accounts were under my name and this is how I would recover my stolen money. After I followed the instructions, I checked my Bank of America account and saw that the only transaction pending was the transaction I had just made. This made me suspicious and I called Bank of America. Bank of America told me that the transaction I authorized went through. Bank of America told me the money was routed to a XXXX Bank and I need to ask for a recall request and file a fraud claim. As of XX/XX/year>, I have not recovered the funds. On XX/XX/year>, I submitted a fraud claim to Bank of America # XXXX and a police report to XXXX Department of Police XXXX XXXX, CA ). Bank of America has not yet informed me of any news despite me calling on a daily basis. They told me that an investigator is working on it, and a recall request was denied by the other bank, XXXXXXXX XXXX. They informed me that it can take up to 90 business days for the claim to be investigated internally by Bank of America.

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 monetary relief
Consumer complaint received 2025-04-21 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: DC

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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