vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-04 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: NJ

Complaint narrative:
I am filing this dispute regarding inaccurate personal information on my consumer report, which violates my rights under the Fair Credit Reporting Act. My correct legal name is XXXX XXXX XXXX XXXX XXXX, my current address is XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX, and my current employer is XXXX XXXX XXXXXXXX. Any other variations of my name, address, or employment information are incorrect and must be immediately removed to comply with 15 USC 1681e ( b ), which mandates that consumer reporting agencies maintain the maximum possible accuracy of consumer reports. Under 15 USC 1681b, consumer reporting agencies are only allowed to collect and report information for permissible purposes. Reporting incorrect variations of my personal information without my consent is a violation of this statute. Furthermore, 15 USC 1681n states that willful non-compliance with the FCRA results in penalties of {$1000.00} per violation. Failure to correct and update my information immediately would constitute a willful violation of federal law and subject the responsible parties to legal liability. I demand that the inaccurate personal information be deleted or corrected immediately and that an updated copy of my consumer report be provided to me. If this issue is not resolved promptly, I will pursue further legal action to protect my rights.

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 2025-03-04 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) 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 2025-03-04 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) 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 2025-03-04 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Thaxton Investment Corporation
State: IN

Complaint narrative:
I have a personal loan with Heights Finance, I am due for my last payment of {$150.00} as of XX/XX/25. My due date is the XXXX. I received a voicemail from XXXX at XXXX on Friday, XX/XX/XXXX that stated it was the last day of the month and so I needed to call to make my payment to avoid any negative impact to my credit. I called and spoke to the branch XXXX and asked her if they are now reporting people past due to the credit bureau when they are still in their grace periods and only XXXX days past due? She replied that the employee that threatened me with that is new and probably did so because of my payment history then continued to lecture me because I work for a similar company and I should know that they want the payment by the end of the month.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: U.S. BANCORP
State: NY

Complaint narrative:
I applied for a business credit card with US Bank, for the purpose of a balance transfer. I was approve and was able to do a {$2700.00} balance transfer and paid a 5 % transfer fee. I had set up auto pay to make the first payment. The bank claims that the payment did not got through, and they did not have a reason for it. when I spoke to the bank rep, she was able reverse my interest payment ( {$82.00} ) and my late fee ( {$39.00} ) on XX/XX/year>. I have included bank statement below that reflect this. The rep also assured me that the promotion was reinstated and that I would not be getting charged with any more interest payments for the remaining promotional time period.

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 2025-03-04 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: FL

Complaint narrative:
I would appreciate it if you could quickly remove the fraudulent entries from my credit report due to the situation and take the necessary actions to correct any inaccuracies or fraudulent activities. I've included documentation from the relevant authorities to back up my claims.

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 2025-03-04 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 2025-03-04 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: NY

Complaint narrative:
I have attached documentation from the appropriate authorities to support my claims. I would be grateful if you could promptly remove the fraudulent entries from my credit report and take the necessary steps to rectify any inaccuracies or fraudulent activities because I already file a complaint again for these items.

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 2025-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/year>, I was fraudulently misled into sending {$2000.00} via XXXX  and {$1000.00} via XXXX to an individual who did not fulfill their promised service. Realizing I had been scammed, I immediately contacted both Venmo and XXXX to report the fraudulent transactions. 

On XX/XX/year>, I formally reported the XXXX transaction and requested a review under Regulation E of the Electronic Fund Transfer Act. Despite multiple follow-ups, XXXX has failed to respond. 

XXXX  initially acknowledged my report but later stated they would not assist, claiming they could not mediate and citing privacy policies. However, their own Privacy Policy allows for disclosures in fraud cases. I also filed a police report ( Case # XXXX ) and requested both companies cooperate with law enforcement. 

Both companies have failed to take appropriate action to investigate or recover my funds. I am seeking the CFPBs intervention to ensure compliance with Regulation E and consumer fraud protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: OK

Complaint narrative:
Here is the list of fraudulent inquiries : 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 2025-03-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NY

Complaint narrative:
Tried multiple times to call Mohela about my loan and no reply from a human.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I do not shop at The XXXX XXXX, yet incurred a debt from them stating that I have a {$150.00} balance. In fact this account is fraudulent, as I called the company ( XXXX XXXX XXXX XXXX XXXX ) and they did not have the correct telephone number that is mine, connected to the reference # XXXX. 
The collector then attempted to update the account with my mobile number that I called in from. I urged the collector to not update the account with my information, as it is not my debt and that I would be disputing the account.

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 2025-03-04 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: TX

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 2025-03-04 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 noticed that my credit report contains incorrect personal information, which has led to the appearance of unknown accounts and transactions that do not belong to me. This mix-up is deeply concerning, as it is affecting my financial standing and causing unnecessary stress. Despite my efforts to resolve this, these errors persist, and I can not allow them to continue impacting my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX 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 2025-03-04 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX 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 non-monetary relief
Consumer complaint received 2025-03-04 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: MI

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 non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: NM

Complaint narrative:
Since becoming 100 % Totally and Permanently XXXX from the Veteran 's Affairs ( VA ) office, I have been trying to have Newrez Mortgage conduct an escrow analysis since XX/XX/XXXX. I have submitted official letters from the VA, official determination letters from the state VA office of new Mexico, and various correspondence from the county assessor 's office. Most recent document submisson was a XXXX tax bill from the county treasurer 's office. Requests for an escrow analysis has been made through Newrez 's account portal - help - option. Several requests have been made since XX/XX/XXXX over this medium. 

Today, XX/XX/XXXX I called to ascertain what the status was on the latest escrow analysis request. The customer service agent ( CSA ) looked over the account and could not determine what the status was on the latest escrow analysis request was. In fact, the XXXX said that he could start an escrow analysis request today, but mentioned that it would take 30 days. I then asked 30 days from today?, or from the date I filed the request online. The XXXX replied " from today. '' The management of the escrow accounts from NewRez is substandard in opionion. Communication is spotty and often leaves account owners left in the dark. 
Delaying an escrow analysis that would significantly lower your overall mortgage payment, whether intentional or unintentional is plain wrong and should not be legal. 

This complaint process seems to be the only recourse one has. As of today, I have no idea if Newrez is going to conduct an escrow analysis or not. The fact that the online request for one, should have set the process in motion, and it hadn't ( according to the CSA ) is reason enough not to trust these people. 

I am going to look at closing the escrow and heavily scrutinizing the entire accounting of all monies to include the refund of tax payments from the county treasurer to Newrez. 

I have been trying to resolve this since XX/XX/XXXX!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: OK

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-04 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: OK

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: MI

Complaint narrative:
I have been working with Nelnet as my new student loan provider. Prior to them taking over from Great Lakes, I had always been on time with my payments. Nelnet took over near the end of the pandemic and reached out to advise to me of that. Beyond that, I did not receive anything from them other than a monthly letter that I did not owe a balance due to the pausing on the student loans. Before the pause was supposed to end, I had attempted to reach out monthly to get in touch with them for manageable repayment options. This was prior to XX/XX/XXXX when I started doing my calls the first week of the month, but I did manage to call monthly from XX/XX/XXXX on, just not during the first week like now. Nelnet 's phone lines were always busy and stated to call back later which yielded the same results during operating hours, and told me to call back when outside of their office hours. I was finally able to reach them in XXXX of XXXX and spoke to them about getting a different repayment amount and that I could get caught up with my past due as soon as they we able to confirm the new amount and allow me 3 months to get it paid back in full ( I have saved this amount so its ready to pay at anytime ). 
The repayment amount was never discussed with me prior to repayments starting back up and at that point, I was also sending letters to their return mailing provided with my statements asking them to reach out to me. I did receive what I think may have been calls from them, but they would cut out on the voicemail after 2 seconds of no sounds. I did manage to get an actually voicemail in XX/XX/XXXX and was playing phone tag with them as they called while I was working and did not answer my callbacks ( the line they provided was a main customer service line, not for the person handling my file ). 
I have at this time offered Nelnet the amount past due in a full payment, which they did not take at this time and told me I would have to wait until they reached back out on the forbearance they put my loans in. 
I have completed my due diligence in reaching out, but Nelnet has been unable to properly reach back out and provide assistance. Instead they have hurt my credit score by nearly XXXX points after spending the last 20 years building it so I could afford to get a home. I'm happy to not only pay my balance due, but a good faith payment of extra as well to get current and have this taken care of so my credit score can be restored to its pre-dinged amount. I did take the steps I needed to make sure I was paying on time, but fairly as well inline with my income. I'm also willing to withdraw this complaint as well if they are willing to get it resolved in that matter too. But I have little desire to have to rebuild something I worked hard for just because Nelnet was unable to properly respond and get one of their customers taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: MO

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiries nor to view my credit report. In addition I did not give any of these creditors such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  permission to furnish this incorrect information onto my credit report. 
This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights.The inquiry was not authorized ( any of those creditors ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 15 U.S.C. 1681 is a section of the U.S. Code that establishes the purpose and findings of the Fair Credit Reporting Act ( FCRA ). The FCRA governs how consumer credit reports are accessed, and how credit reporting agencies ( CRAs ) handle consumer information. 1635, allows obligors a no questions asked right to rescind certain consumer credit transactions within a proscribed time period. Where a lender has provided an obligor with proper disclosure of credit terms, the obligor shall have the right to rescind the transaction until midnight of the third business day. 
I have suffered from these transactions that were not authorize by me Please remove it from my credit

Company response to consumer: Closed with non-monetary relief