vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint against TransUnion for inaccurately reporting a late payment on an account with XXXX XXXX  ( Account ending in XXXX ) for the date XX/XX/year>, and for providing incorrect personal identifying information in their verification process.

First, the payment in question was made on time, and this is confirmed by my credit report from XXXX, which correctly shows no late payments for this account. TransUnion, however, continues to report this tradeline with derogatory status and has failed to correct it, despite my dispute.

Secondand more criticallywhen I submitted a formal dispute, TransUnion responded with a verification letter addressed to " XXXX XXXX XXXX XXXX '', which is not my legal name. My correct legal name, as listed on my Social Security card and government-issued identification, is XXXX XXXX XXXX . The addition of XXXX is unauthorized and constitutes false identity representation, which undermines the validity of any data or verification TransUnion claims to have conducted. It also violates the Fair Credit Reporting Acts requirements under : Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) TransUnion is required to follow reasonable procedures to ensure maximum possible accuracy of both credit and identity information.

Section 611 ( 15 U.S.C. 1681i ) They failed to conduct a reasonable reinvestigation within the required time period.

Section 623 ( b ) TransUnion did not properly verify the alleged delinquency with the data furnisher, and they failed to correct or remove inaccurate and unverifiable data.

Providing a consumer verification letter with a name that does not match official legal records is a serious failure in identity compliance and creates substantial risk of misidentification, fraud, and consumer harm.

As a result of TransUnions reporting : My credit score has been unjustly damaged.

I have been denied access to financial products due to this inaccurate derogatory reporting.

TransUnions flawed handling of my identity and dispute response constitutes negligence or willful noncompliance.

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 2025-05-06 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: NY

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be XXXX  % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: NY

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be XXXX  % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-05-06 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN 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  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX 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 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 explanation
Consumer complaint received 2025-05-06 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: TN

Complaint narrative:
I am a victim of fraud and I have been constantly disputing these items for years with no ending results and concise information to identify that it does not belong to me. Accounts are over 7 years. It consumes so much time that I give up at time but I have to fight for my credit discrepancies until they are rightfully removed. These companies have no right to retain false information, mixed information and wrong information. I am requesting for the review and deletion of the accounts below on all three bureaus. Equifax, Transunion and Experian 1.XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} 2.Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} 3.Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$580.00} ALL 3 BUEREAUS 4.Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$930.00} 5.Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$800.00} 6.Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$870.00} 7.Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$980.00} 8.Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX/ {$720.00} 9.Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$870.00} 10.Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$600.00} 11. Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$880.00} 12.Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  {$1100.00} 13.Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  {$1500.00} 14.Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$14000.00}

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 2025-05-06 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: TN

Complaint narrative:
I am a victim of fraud and I have been constantly disputing these items for years with no ending results and concise information to identify that it does not belong to me. Accounts are over 7 years. It consumes so much time that I give up at time but I have to fight for my credit discrepancies until they are rightfully removed. These companies have no right to retain false information, mixed information and wrong information. I am requesting for the review and deletion of the accounts below on all three bureaus. Equifax, Transunion and Experian 1.XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} 2.Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} 3.Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$580.00} ALL 3 BUEREAUS 4.Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$930.00} 5.Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$800.00} 6.Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$870.00} 7.Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$980.00} 8.Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX/ {$720.00} 9.Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$870.00} 10.Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$600.00} 11. Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$880.00} 12.Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  {$1100.00} 13.Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  {$1500.00} 14.Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$14000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: CA

Complaint narrative:
I am filing this complaint due to the continued and unlawful reporting of inaccurate, incomplete, and unverifiable information on my consumer credit report by Experian. Despite multiple prior disputes and the submission of verified documentationincluding an FTC Identity Theft Reportthis company has failed to conduct a lawful reinvestigation or correct/remove the disputed item in violation of federal law. Violations Involved : - FCRA 1681i failure to properly investigate disputed information within 30 days.

- FCRA 1681s-2 ( a ) continued reporting of information known or reasonably known to be inaccurate.

- Regulation V ( 12 CFR 1022.43 ) failure by furnisher to comply with direct dispute obligations. 

This behavior is nearly identical to the misconduct referenced in prior CFPB complaints such as : - CFPB Complaint # XXXX resulted in non-monetary relief and correction of identity theft-related errors. 
- CFPB Complaint # XXXX resulted in successful removal of unverifiable account data following a formal dispute.

Consumer Harm and Requested Relief : As a direct result of this companys ongoing violations, I have suffered : - Inaccurate credit reporting affecting creditworthiness and financial opportunities.

- Emotional distress and unnecessary time and effort to correct this issue. 
- Denials or unfavorable terms for financial products due to incorrect reporting. 

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 2025-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
b'Ive sent multiple written disputes to Experian, including certified letters with proof, yet Experian continues to report inaccurate, unverifiable, and outdated accounts. These include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also submitted proof of a paid-off lease and rental judgment that shouldve been removed but still shows  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. All of these are either past the 7-year reporting limit, unverifiable, or never validated by the debt collectors, which is a clear violation of FCRA 1681i(a), 1681c(a) and FDCPA 1692g(b). Theres no proof of contract or agreement, and Ive received no validation or proper response from Experian or the furnishers. These accounts must be deleted immediately or I will pursue legal remedies through CFPB and state agencies.'

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 2025-05-06 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: Windham Equity Company
State: NY

Complaint narrative:
b'Ive sent multiple written disputes to Experian, including certified letters with proof, yet XXXX continues to report inaccurate, unverifiable, and outdated accounts. These include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I also submitted proof of a paid-off lease and rental judgment that shouldve been removed but still shows  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All of these are either past the XXXX-year reporting limit, unverifiable, or never validated by the debt collectors, which is a clear violation of FCRA 1681i(a), 1681c(a) and FDCPA XXXX. Theres no proof of contract or agreement, and Ive received no validation or proper response from Experian or the furnishers. These accounts must be deleted immediately or I will pursue legal remedies through CFPB and state agencies.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: FL

Complaint narrative:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several inquiries that are incorrectly reported or showing inaccurate data. Below are the details of the inquiries in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: OK

Complaint narrative:
: Formal Complaint Regarding Student Loan Breach and FERPA Violations To whom this may concern, I am filing a formal complaint regarding my student loan provider and the Department of Government Efficiencys ( DOGE ) alleged breach of student loan contracts and potential violations of the Family Educational Rights and Privacy Act ( FERPA ), 20 U.S.C. 1232g. According to an article published by The XXXX XXXX on XX/XX/year>, my student loan information may have been improperly accessed, shared, or otherwise mishandled without my consent. 

I request that the CFPB investigate this matter and ensure the following : Immediate deletion of my student loan information from all relevant systems, databases, and third-party entities.

Accountability for any parties found to be in violation of FERPA, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, or other consumer protection laws.

Remedial action to prevent future breaches of student loan data and ensure compliance with applicable laws.

Please contact me at the above phone number or email address above, for further information or documentation. I trust that the CFPB will take appropriate action to address this serious matter. 

Very respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Lendmark Financial Services
State: MS

Complaint narrative:
I am currently on XXXX XXXX and submitted a request via XXXX to Lendmark XXXX on XX/XX/2025 ( phone call date ) - XX/XX/XXXX ( documents submitted ) to XXXX XXXX. They never confirmed whether or not they received my documents when they told me they would call back to confirm with the XXXX. I called back on XX/XX/XXXX, because I never received a follow-up. I then spoke to a male, who said XXXX is not in, and he will follow up with me. To which again I did not receive call back on XX/XX/XXXX. They said it will take a week after I submit it. I requested an email confirmation on the XXXX, however, XXXX said it is company policy not to respond via email. To me this sounds very elusive not to get anything in writing. I understand I do not have the best of credit, I have made some bad decisions, but I have not missed a payment nor have I been late with Lendmark. They have avoided responding to my emails, and when called they just said it'll take a week. 
We're now approaching 60 days, I have not received any confirmation my documents have been received or request has been submitted via writing as they refuse to respond to my emails. They would only tell me over the phone. I am making a conscious effort to take control of my finances, I understand my 32 % interest on an automobile is ridiculous as I couldn't afford not having a vehicle. I am on XXXX XXXX orders, every other XXXX card company I am with has sent me a confirmation of my request and has already accommo dated my right to the SCRA as I am on these orders, my income went from XXXX a year to XXXX. I am not planning to skip any payments, but it looks like I have not been adjusted, confirmed, or the interest rates are still at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX BOD : XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX Dispute of Collections Account on Credit Report Dear CBP Complaint Department I am wirting to file a complaint against XXXX XXXX XXXX regarding a collections account that continue to appear on my credit report despite my previous communications with them to resolve this matter. I have already contacted XXXX XXXX XXXX many times regarding this account despite my efforts and the resolutions we reach, this account continues to appear on my credit report from XXXX XXXX XXXX XXXX  This inaccurate reporting has negatively affected my credit score and my ability to obtain credit to secure housing, employment opportunities, etc. This situation has caused me significant finacial hardship stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief