vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 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: DE

Complaint narrative:
Complaint Summary : I am filing this complaint against Equifax, Experian, and TransUnion for knowingly reporting false, inaccurate, and unverified debt information on my credit report, despite multiple formal disputes submitted over the past several months.

Under 15 U.S. Code 1681i, I exercised my right to dispute these entries. However, the credit bureaus have failed to provide any proof of debt, including the original contracts bearing my wet ink signature as required by 15 U.S. Code 1692g. This failure directly violates : FCRA 1681e ( b ) Failure to maintain accurate information FCRA 1681i ( a ) ( 5 ) ( A ) Failure to correct or delete unverifiable information FDCPA 1692g ( b ) Continuation of collection activity without validation Delaware Consumer Fraud Act 6 Del. C. 2513 Deceptive trade practices As a result of their negligence and failure to comply with federal and state law, I have suffered significant financial harm, including being denied housing and ultimately experiencing homelessness with my family.

I am requesting the immediate removal of all negative and unverifiable accounts and demand that the Consumer Financial Protection Bureau investigate these violations. I am also seeking compensation for damages caused by this reckless disregard for consumer rights, in accordance with 15 U.S. Code 1681n.

Requested Relief : Immediate deletion of the disputed accounts Formal investigation into the credit bureaus ' failure to validate debts Financial compensation for damages incurred Written confirmation of all actions taken

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

DPT EDXXXX - XXXX XXXXPT EDXXXX - XXXX XXXX - XXXX List of Unauthorized Inquiries : XXXX XXXX  - XXXX XXXX  XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX  XXXX - XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: CA

Complaint narrative:
This correspondence serves as a formal follow-up and final notice regarding your continued noncompliance with the Fair Credit Reporting Act ( FCRA ), despite my previous dispute dated XX/XX/XXXX. To date, you have failed to conduct a proper reinvestigation of the disputed account listed below, nor have you provided the legally required verification documentation in response to my demand under FCRA 611 ( a ).

Let me remind you that under FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ), you are obligated to complete a reasonable reinvestigation of disputed information and to delete or modify any unverifiable data. Additionally, under FCRA 623 ( b ), data furnishers must investigate and report the results of the reinvestigation to the credit reporting agency in a timely and accurate manner. Your failure to do so not only undermines the integrity of the credit reporting system but also exposes your organization to significant legal liability under FCRA 617 for damages resulting from your willful or negligent noncompliance. Despite my prior request, you have not produced any of the following : 1.A copy of the original creditor agreement bearing my signature ( if applicable ) ; 2.Records or communications used to verify the accuracy of the disputed information ; 3.Documentation outlining your reinvestigation procedure and final findings.

Without this verification, continued reporting of inaccurate information violates FCRA 611 ( a ) ( 5 ) ( A ), which explicitly requires deletion if information can not be verified.

Continued Noncompliance Legal Implications You are now in a clear pattern of willful noncompliance. I remind you of the precedent set in : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX where failure to conduct a reasonable reinvestigation was held as willful noncompliance ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) where damages were awarded due to inaccurate reporting and failure to properly reinvestigate. 

I reserve all rights to pursue monetary damages, including : Statutory damages up to {$1000.00} per violation ; Punitive damages for willful noncompliance ; Compensation for actual damages, including emotional distress and credit denials ; Legal fees and court costs, if litigation becomes necessary. 

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 non-monetary relief
Consumer complaint received 2025-04-23 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-04-23 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 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.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Im still seriously concerned that my credit report contains inaccurate and incomplete information. Despite several attempts to have this corrected, the problems remain and are unfairly impacting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CreditNinja Lending, LLC
State: AZ

Complaint narrative:
I was not aware that this company charged more than the legally allowed interest rates for the state of XXXX. Additionally, I see there have been several class actions against 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 2025-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: W&A Intermediate Co., LLC
State: SC

Complaint narrative:
I I want them to send me a debt validation claim 15 USC 1692g. I also want to see the history of payment that was made by me to the creditor. I also want to see my signature that I supposedly signed on this insurance claim and I also want to see the chain of title

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality unde

r 15 USC 1681. 15 U.S.C 1681 section 602 A. States I ha
ve the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional 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 2025-04-23 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: NJ

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional 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 non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
On XXXX XXXX had a message on her cell phone from XXXX and XXXX saying that XXXX XXXX must call about time-sensitive information on a debt. The phone number was from ( XXXX ) XXXX. My XXXX  didnt bother to call because she had a feeling that it was another spam call about a bogus debt. We had a previous experience like this that she reported a few years ago. 
The next spam call came through our land line from ( XXXX ) XXXX on XXXX. XXXX XXXX XXXX XXXX gave me a reference account number of XXXX. The collection of debt of XXXX XXXX was for around {$1500.00} for GE Money Bank. He said it had been passed through XXXX collection agencies and now landed with XXXX and XXXX. I told him I had my doubts and that I would report this if it turned out to be a scam. I hung up with nothing more being said. 
On the same day there was a second call on our land line from ( XXXX ) XXXX. Caller ID showed XXXX XXXX. No message was left. 
The next call came through my XXXX  's cell line from ( XXXX ) XXXX. XXXX mail said to call ( XXXX ) XXXX. She called the number ( to request a stop the calls ). She was told about the debt and again she let them know that if they were involved in a scam she would be collecting their phone numbers and turn them in to the Feds. They stuck to their story and put her through to a lawyer named XXXX XXXX. He got really testy about her questions. When she told him that her XXXX  had no unresolved debts, he realized that he was talking to XXXX XXXX  and not XXXX XXXX, so he told her he couldnt legally deal with her. She told him he wouldnt get any further with the situation if he didnt. He hung up on her. 
They called again from ( XXXX ) XXXX and left a message telling me that an XXXX of the XXXX  had been assigned to visit XXXX place of residence or place of employment between the hours of XXXX XXXX  to XXXX XXXX. If our attorney was not available to sign for this notice we should call ( XXXX ) XXXX before the end of the week of the notice. They said this message was proof that we had been notified and I could file a dispute through the court in XXXX  XXXX  of receiving notice. Since that date came and went we havent received any more calls.

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 2025-04-23 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: MI

Complaint narrative:
Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX {$11000.00} XXXX {$110.00} XXXX {$210.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 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.

Also, the following addresses are reporting on my credit report and I have never lived there : XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI 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 2025-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
This company must remove all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : 1. A debt collector/buyer must be bonded and licensed by the XXXX XX/XX/XXXX XXXX XXXX XXXX 
2. The debt must be legally collectible within the states jurisdiction where the creditor resides.

3. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification.

4. A debt purchase must have an assignment number and be registered with the XXXXXX/XX/XXXXXXXX XXXX. 
5. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice.

6. This company has posted one or more out dated collection against my credit report. It looks like the account was over 7 years old, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!!

7. Debt Buyers obtain assignments of uncollected debts in bulk, without individual purchase agreements, which is a violation of requirements with the NMLS, and in most cases can not be valued as true ownership under CPLR.

8. Accordingly, this debt buyer must prove these requirements or delete any collection on all pertinent credit reports ; i.e. XX/XX/XXXXand XXXX XXXX respectively.

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 2025-04-23 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: IN

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT 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 non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Fay Servicing, LLC
State: MS

Complaint narrative:
I am submitting this formal complaint against Fay Servicing for failing to appropriately consider or offer a loan modification, despite my eligibility and repeated requests. I am also raising concerns about an unexplained increase in my mortgage payment, unresolved questions regarding PMI removal, and poor customer service experiences. 
On XX/XX/year>, I received a call from a representative at Fay Servicing regarding my XXXX-backed XXXX. I had previously requested a loan modification due to financial hardship. The representative was polite and pleasant, but informed me that my case had already been reviewed and that the only available options were either to sell my home due to existing equity or pursue a short sale. 

This response was extremely frustrating, especially given that I had clearly communicated in my initial interaction that I was seeking to retain ownership of my home through a loan modification. I was told that someone would contact me for more information, but I was never contacted, and no one collected any documentation related to my hardship. 

The representative on XX/XX/XXXX also stated that I had previously been offered a payment arrangementwhich I had never received. When I asked about the amount required to bring my loan current, she gave me a number, but when I asked when it would be due, she appeared surprised and asked me, Do you want to keep your house? That question was shocking and deeply inappropriate, considering my entire purpose for contacting Fay Servicing was to stay in my home through a loan modification. 

I was then told that if I wanted to accept the payment arrangement, I would need to provide my payment information immediately, as it would not be available after XXXX. This felt like pressure to make a decision without any written details, time to review, or clear explanation. 

In addition to the above, I recently experienced an unexplained increase in my monthly mortgage paymentfrom {$840.00} to {$1200.00}. My homeowners insurance has not changed, and I have received no clear explanation for the increase. I have asked multiple representatives for clarification, but none have been able to explain the reason for the higher payment. 

Previously, I contacted Fay Servicing to inquire about the process of removing XXXX XXXX XXXX XXXX XXXX XXXX from my account. The representative was extremely rude and refused to provide contact information for a supervisor. When I eventually received a supervisor 's number, I left a voicemail, but never received a call back or a follow-up explanation about the XXXX removal process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: MI

Complaint narrative:
On XX/XX/year>, XXXX XXXX instructed his team of Department of Government Efficiency ( DOGE ) to gain access to multiple internal systems within the Department of Education, including financial aid database that contains the personal information of millions of students enrolled in the federal student aid program. My information was among that dataset that has been compromised. I did not authorize this.

Company response to consumer: Closed with explanation