vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-07 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: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2025-04-05 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: FL

Complaint narrative:
I disputed XXXX XXXX XXXX XXXX on my credit report because they were reporting incorrect information. However, TransUnion VERIFIED AS ACCURATE ; and stated they updated : Balance ; Date Updated; Last Payment Made ; Past Due ; Date Closed ; Rating ; Payment Received ; Historical Trended Data. However, there is no closed date listed. The company is listing the dates they receiving payments from me but not not reporting the amount Im paying, they are receiving. They have been listing inaccurate information. The Original Amount is {$7600.00}, Original Charge-off amount is {$6100.00}, with {$4200.00} past due. So if thorough investigation was done, it would be clear Im paying more than the {$0.00} they are reporting. I have even asked for the company for validity of debt, showing monthly payments made in one dispute. However, this account doesnt seem to be getting investigated. The original creditor is violation of FCRA 15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies. Section 1 ( a ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing 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 2025-04-05 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: PA

Complaint narrative:
I am writing to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this items as soon as possible.

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 2025-04-05 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: PA

Complaint narrative:
I am writing to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: OK

Complaint narrative:
I reported that the XXXX account is not late and disputed it and the XXXX XXXX accounts. Equifax did not look into these, they closed them almost immediately. 

XXXX is paid off not late. XXXX  XXXX is in a debt consolidation program and not reflecting that is is charged off from XXXX XXXX on the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: LA

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data breach. After, reviewing my credit reports I noticed some accounts that I am unfamiliar 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 a FT complaint reporting the information I am unfamiliar with.

Please find attached a copy of my Identification :

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 2025-04-06 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: LA

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data breach. After, reviewing my credit reports I noticed some accounts that I am unfamiliar 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 a FT complaint reporting the information I am unfamiliar with.

Please find attached a copy of my Identification :

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 2025-04-06 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: LA

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data breach. After, reviewing my credit reports I noticed some accounts that I am unfamiliar 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 a FT complaint reporting the information I am unfamiliar with.

Please find attached a copy of my Identification :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: FL

Complaint narrative:
XXXX XXXX XXXX  " It was an attempt to fix the problem with the credit agency, which is supposed to help consumers but has never actually done so. All it does is sell false information to banks, only to profit off of consumers. '' XXXX Under the FCRA, negative information such as late payments, charge-offs, collections, or other adverse accounts must be removed from a consumers credit report after seven years from the date of first delinquency. If this account is older than seven years, its continued presence on my credit report is a violation of federal law.If TransUnion or the creditor has changed the status of your account to " Closed and Paid as Agreed, '' but the account is still being reported in a way that reflects negatively on your credit ( e.g., showing late payments, charge-offs, or other derogatory marks ), this is a clear error that violates the Fair Credit Reporting Act ( FCRA ). You have the right to dispute this inaccurate reporting and demand that the issue be corrected.

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 2025-04-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: RIGHT SIDE UP LENDING, LLC
State: GA

Complaint narrative:
I am getting mail that header says it's from my current lender however in fine print it says its from " right side up ''. Which is misleading if the letter is not read properly

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: PA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. These items include unauthorized accounts and hard inquiries that I did not initiate or approve. Based on both federal and Pennsylvania state law, I am exercising my right to dispute and request the immediate removal of this fraudulent information.

Under the Pennsylvania Identity Theft Protection Act ( Act 102 of 2014 ), I have the legal right to dispute and remove fraudulent information from my credit reports. This law requires credit reporting agencies to conduct timely investigations and correct any inaccuracies.

Federally, the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) requires consumer reporting agencies to conduct a reasonable investigation when a dispute is filed and to correct or delete any information that is inaccurate, incomplete, or can not be verified. Additionally, under 15 U.S. Code 1681e ( b ), credit bureaus are required to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. According to 15 U.S. Code 1681i ( 5 ), if any disputed item is found to be inaccurate or unverifiable during reinvestigation, the bureau must promptly delete or correct the item and notify the furnisher of that change. 

I have already filed a formal FTC Identity Theft Report and submitted disputes to the credit bureaus directly. Despite my efforts, the inaccurate and fraudulent items remain. These errors are damaging my credit and do not reflect my actual financial history or behavior. 

I am requesting that the CFPB assist in ensuring these accounts and inquiries are thoroughly investigated and permanently removed from my credit reports. The following is a list of the disputed items I am requesting be deleted immediately : XXXX 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 2025-04-06 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: VA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
We ( the buyer ) were misled to believe that Freedom Mortgage was processing an assumable mortgage that would be ready for us to close the purchase. Both myself and my realtor discussed with Freedom Mortgage, by phone, our contract to complete the loan assumption by closing date. The Freedom Mortgage loan advisor misled us to believe that the assumption process was on track. In reality, he was winding down the clock to closing day, hoping to force us into a new mortgage product, so he could collect his commission. My realtor and I both believe we were criminally lied to. I suffered a major monetary loss by missing out on the assumable mortgage, and obtaining a new mortgage at a much higher rate. 

The loan advisor who managed my case, and lied to me was the following person : XXXX XXXX XXXX XXXXXXXX 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 2025-04-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: WA

Complaint narrative:
When i learned about the way the student loan repayment was going to change and the process in the way all of my information was now in different hands that will determine my outcome i feel violated as the informartion that i had given when i took out the loan was then stolen out from under me with no notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: PA

Complaint narrative:
Jefferson Capitol took XXXX from my bank account On XX/XX/year> I contacted Jefferson Capitol and they have no record of any debt or any info on my name or anything they just somehow went through XXXX from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT/ THE LIST OF THE ACCOUNTS BELOW HAS VIOLATED MY FEDERAL PROTECTION CONSUMER RIGHT TO PRIVACY AND CONFIDENTIALITY UNDER THE 15U.S.C 1681 AND 15U.S.C SECTION 602 AND 15U.S.C SECTION 604 UNDER 15U.S.C 1681 C SECTION NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE INFORMATION OR ITEMS OR ANY OTHER ADVERISE ITEMS OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH THE BY MORE THEN SEVEN YEARS I AM QUESTING THAT THESE CREDIT REPORTING AGENCY FOLLOW THE LAW ASKING FOR DELETION OF ALL NEGATIVE ITEMS ON MY CREDIT REPORTS THESE ARE THE FOLLOWING ACCOUNTS/ AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX XXXX I obtained a copy of my Equifax credit report and discovered that it included inaccurate address information, specifically : XXXXXXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX On XX/XX/2025, I submitted a dispute including supporting documentation : a copy of my valid ID, a utility bill showing my actual address, and a copy of the report with the incorrect entries clearly identified. To date, these addresses remain on my report and no corrective action has been confirmed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: NY

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts 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
Consumer complaint received 2025-04-05 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: NC

Complaint narrative:
Equifax Transunion will not deleted nor remove my hard inquiries when I report identity fraud last year due to my car getting stolen with all my personal information and bank information. Someone was using my information to try and get car loans

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 2025-04-06 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I am writing to formally submit a complaint against Equifax concerning the ongoing issue with my credit report and the XXXX error that has prevented me from accessing my credit file. This situation has persisted for nearly three years, and despite my attempts to resolve it, I have been unsuccessful in unlocking my credit report. 

Equifax has informed me that I have a XXXX  error on my credit report, which has restricted my ability to obtain my credit report and score. I have provided proof of identification on two separate occasions, yet my credit file remains locked, and I have not received any further communication from Equifax regarding the resolution of this error. 

This prolonged issue has caused me significant distress and has hindered my efforts to secure credit and purchase a home. Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to access their credit reports and to have accurate information reported. The inability to unlock my credit file is a violation of these rights and has led to considerable harm. 

I am requesting that Equifax unlock my credit file immediately, allowing me to access my credit report and score without further delay. I will be attaching relevant documents to support my complaint and provide evidence of my attempts to rectify this situation. 

I urge the CFPB to investigate this matter and assist in holding Equifax accountable for their failure to comply with the FCRA. Thank you for your attention to this urgent issue. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-04-05 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: MOHELA
State: DE

Complaint narrative:
Breach of information FERPA. XXXX obtained my confidential information without permission. Information that pertained to a student loan that is now being held by Mohela services. Information that contained my date of birth, social security number, and financial information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2025-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: ALLIANT CREDIT UNION
State: FL

Complaint narrative:
I transferred XXXX dollars from my credit card cash rewards and I got a confirmation code XXXX. This money was supposed to take up to 3 days to make it to my account but it never arrived. I have called several times now and I keep being told it is being worked on with no time XXXX to getting it resolved.

Company response to consumer: Closed with explanation