vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-01 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: GA

Complaint narrative:
Subject : Formal Complaint Identity Theft & Failure to Remove Fraudulent Information Dear Consumer Financial Protection Bureau, I am filing this formal complaint against the credit reporting agencies ( XXXX, Equifax, and XXXX ) and data furnishers for failing to address my requests regarding identity theft and fraudulent information on my credit report. 

Nature of the Complaint I am a victim of identity theft, and unauthorized accounts have been fraudulently opened in my name. I have attempted to correct this issue by contacting the credit bureaus multiple times, yet they have failed to take the legally required actions to protect my information. 

Prior to last week, I was unable to access my credit profile, and upon speaking with several representatives, I was informed that my access was restricted. This further supports my claim that my identity was compromised. 

Violations of the Fair Credit Reporting Act ( FCRA ) & Consumer Rights Despite repeated requests, the credit bureaus have refused to : Block and remove fraudulent information as required under 15 U.S.C. 1681c-2.

Provide the method of verification used to validate disputed accounts in violation of 15 U.S.C. 1681i ( a ) ( 6 ).

Safeguard my personal data in compliance with 15 U.S.C. 1681b ( g ).

Ensure accuracy in reporting as required under 15 U.S.C. 1681s-2.

Additionally, my personal information was compromised due to a data breach with XXXX XXXX XXXX, which further exposed me to fraudulent activity. Despite notifying the credit bureaus of this breach, they have failed to take appropriate measures to prevent further harm. 

Disputed Personal Information & Inconsistencies I have formally requested the following corrections to my credit report, but they have not been made : Name Correction : My full legal name should be XXXX XXXX only. 
Address Update : The only correct address on file should be : XXXX XXXX XXXX, XXXX, GA XXXX All outdated and incorrect addresses should be removed as I no longer reside at or have access to them. 
Phone Number Removal : All outdated phone numbers must be deleted. 
Social Security Number & Date of Birth : These should not be displayed publicly for privacy reasons. 
Employer Information : All employer listings must be removed as they are outdated and 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 2025-03-01 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I am filing a complaint regarding two different violations. Two of the violations are associated with the same account number but have different amounts. 


XXXX. LVNV Funding Account Number : XXXX Amount : {$800.00} Date : XX/XX/XXXX XXXXLVNV Funding Account Number : XXXX Amount : {$970.00} Date : XX/XX/XXXX I contacted them on XX/XX/XXXX. 

This company is violating my rights by failing to provide validation information as required under 12 CFR 1006.34 ( b ) ( 5 ), yet they have recorded a collection on my consumer report. I have made previous attempts to resolve this issue directly with them, but they continue to violate my rights.

I am entitled to {$1000.00} for each violation listed above. They must either pay me the amount owed or delete these accounts from my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
I am unable to access my Nelnet student loan account. I just discovered these loans on my Credit Report and am trying to make payments. 

When attempting to recover my username or password on nelnet.studentaid.gov I am redirected to an XXXX  XXXX XXXX page. 

I have tried numerous times to clear my cache and ensure it was not an error on my computer. At this point I am unable to login and make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: TX

Complaint narrative:
Im in disagreement with the accounts listed below which still appears on my credit report, even after your investigation. I would like these items immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

1. account name : XXXX XXXX XXXX XXXX account number : XXXX XXXX account name : XXXX XXXX XXXX account number : XXXX XXXX account name : XXXX XXXX XXXX XXXX account number : XXXX XXXX account name : XXXX XXXX XXXX account number : XXXX In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Please provide the names and business addresses of each individual with whom you verified above so that I may follow up, please send an updated copy of my credit report after your re-investigation.

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 2025-03-01 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
On XX/XX/year> I received mail from Freedom Mortgage stating that my mortgage would increase due to an escrow shortage. I was given the option to pay the amount of {$3900.00} in full or have the amount spread out over 12 months. My loan was transferred from XXXX XXXX XXXX to Freedom Mortgage last year. Throughout the entire term of my mortgage, I have never had an increase in monthly payments this large. I believe this company is over predicted my escrow. My monthly payment is about {$1300.00} a month but now I am told it will be going up to {$1800.00} a month. I believe that my escrow amount has been inflated and/or inaccurately calculated. I have also recently learned that Freedom Mortgage has encountered several lawsuits concerning inflated escrows being placed on home owners. Please help.

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 2025-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.

Complaint narrative:
On XX/XX/scrub> 2025, I received an email from Citibank stating that my checking and savings accounts would be closed within 60 days, but no clear reason was given. I have approximately {$940.00} in these accountsmy only available funds. 

I immediately called Citibank the same day, desperate for answers and to request access to my money because I am facing a serious financial emergency. Unfortunately, customer service refused to explain why my account was closed and told me I would have to wait 60 days to receive a check. I pleaded for help, but they would not make any exceptions. 

I am in urgent need of these funds to cover essential expenses, and this situation is causing me severe distress. I have struggled with XXXX, and this situation is taking a toll on my mental health. The uncertainty and delay are worsening my condition, and I dont know how much longer I can handle this. Please, I am begging for assistance in getting my funds released 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 2025-03-01 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: NC

Complaint narrative:
I recently checked my credit reports and found the following fraudulent inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: IL

Complaint narrative:
Transunion removed this account off my credit report because of a dispute in which it should have been removed. Transunion then reinserted this account without notification within 5 days per FCRA and needs to be removed. XXXX keeps manipulating the date as they only report the last 7 years and therefore the original first late payment is not being reported. When Transunion reinserted this account it seemed as if it was a new 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 non-monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Halsted Financial Services, LLC.
State: AR

Complaint narrative:
I HAD TALKED TO THIS THIRD PARTY CONSUMER SEVERAL TIMES ABOUT THIS ACCOUNT AND THEY COULD NEVER SEND ME ANYTHING ABOUT THE ORIGINAL DEBT BUT THEY CONTINE TO SEND ME EMAILS, AND LETTERS REQUESTING PAYMENTS FROM ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
Me and my husband recieved our federal taxes on XX/XX/XXXX made a couple purchases and account was frozen said they needed a copy of liscense submitted proof kept in contact with agents with no help they continue to tell me there was no way to contact proper per so via phone only email sent multiple emails to the right party reguarding this issues last night XX/XX/XXXX recieved an email that the account was permanently deactivated and I cant not receive funds nor can I contact them after recieving this email. There is over XXXX in my account I have a medically complex child with severe health issues who has appointments daily who can no longer make to appointments due to know transportation due to funds, XXXX other kids who can not make to school due to no transportation because no funds. I have followed up with multiple emails and they have yet to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: GA

Complaint narrative:
I am writing to dispute inaccurate personal information appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ) Sections 609 and 611, I have the right to request that only accurate, complete, and verifiable information be reported. The following names, addresses, and employers on my report are incorrect and must be removed immediately. 

1. Incorrect Names to Remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My correct and only legal name is XXXX XXXX. 

XXXX. Incorrect Addresses to Remove : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

3. Incorrect Employers to Remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Legal Basis for Removal : Per the FCRA ( 15 U.S.C. 1681i ), credit reporting agencies are required to ensure that all reported information is accurate and verifiable. If any of the disputed information can not be verified, it must be deleted. I request that you immediately : Remove the inaccurate names, addresses, and employers from my report.

Provide a written confirmation of these removals.

If you choose not to remove any of these items, provide me with documented proof of verification, including the source of this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 , 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
XXXX XXXX XXXX Debt amount under account : {$1100.00} Opened XX/XX/year> -- Is a medical debt and is reporting illegally to my credit profile as this debt is not mine nor did I consent to them having my medical information. They are in direct violation of my HIPPA rights. I have sent them a request for proof and validation letter as well as filed an FTC report as this is a fraudulent account/debt. It has been well past 30 days and they never responded, which is a violation of the FCRA.

Furthermore, as an instatement of previous presidential legislation Kamala Harris and former president Biden, Medical debts are no longer legally allowed to be reported on consumers credit profiles.

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 2025-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I only have one Capital one Credit Card by XXXX. I never signed up for the other ones.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: LA

Complaint narrative:
XX/XX/year> I reached out to XXXX XXXXXXXX via phone to request information showing why my closed accounts were shared with the credit bureau and late payments if there were closed and asked for a written response. I have not gotten one

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: LA

Complaint narrative:
XX/XX/year> I reached out to XXXX XXXXXXXX via phone to request information showing why my closed accounts were shared with the credit bureau and late payments if there were closed and asked for a written response. I have not gotten one

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 2025-03-01 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: LA

Complaint narrative:
XX/XX/year> I reached out to XXXX XXXXXXXX via phone to request information showing why my closed accounts were shared with the credit bureau and late payments if there were closed and asked for a written response. I have not gotten one

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 2025-03-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Freedom mortgage makes it incredibly difficult to log on to their website or their app to check your loan status or even pay your loan. My loan is currently in a forbearance plan that is ending soon, I'm not able to check on the details of it or a repayment plan. There was recently an escrow analysis done on my loan, I am not able to check the details of that or to be able to see if my loan as increased due to so many technical issues on their app and website. I am not able to pay my mortgage unless I call or mail in a check. I am completely in the dark unless I call during normal business hours which is highly inconvenient. On their answering machine they say to check the app or website first but neither has worked for me for months. I've raised this issue every single time I call and they always say its an issue on my end. Not being able to check the status of my loan especially as it has been in a forbearance plan that is ending has greatly hindered my ability to make smarter financial decisions moving forward to not end up in forbearance 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 explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My personal data was breached within the reporting agency

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I had a credit limit of XXXX dollars with Citibank and Citi Bank decreased my credit limit XXXX with reason all payments were made on time

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