vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-02 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: MI

Complaint narrative:
I filed for XXXXXXXX XXXX XXXX XXXX XXXX and included my XXXXXXXX XXXX  XXXX. Prior to the bk filing the account was never late. I recently reviewed my credit report and see that XXXX marked the account later XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, long after my XXXX  was discharged.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: SANTANDER HOLDINGS USA, INC.
State: SC

Complaint narrative:
Issue Type : Incorrect late payments on my auto loan account Explanation of the Issue : I am disputing incorrect late payment marks on my auto loan account with Chrysler Capital. I have always paid my monthly payments on time and have never been late. However, XXXX, XXXX, and XXXX are reporting late payments for XXXXXXXX XXXX XXXX XXXX XXXX 

Here are my account details : Creditor : XXXX XXXX XXXX  XXXX ) Account Number : XXXX Account Type : Installment Auto Loan Account Status : Open Monthly Payment : {$400.00} Date Opened : XX/XX/year> Balance : {$17000.00} These reported late payments are completely inaccurate. I request that XXXX XXXX  and the credit bureaus investigate and correct these errors by updating my payment history to reflect on-time payments for XXXX XXXX XXXX XXXX XXXX 

I have attached supporting documents, including payment records and bank statements, proving that I made all my payments on time. I kindly request a thorough review and correction of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: MT

Complaint narrative:
The following includes incorrect information including information I want taken off and DELETED from my credit profile : Experian : Personal Info - XXXX XXXX XXXX Adresses : 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, OR Phone Number : ( XXXX ) XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX Accounts : XXXX XXXX  - I want XXXX XXXX  DELETED from my account because of Inaccuracies in this account between the 3 bureaus who refuse to see anything wrong with my account. 

Collections : XXXX XXXX XXXXXXXX - I want this Collection Account deleted for 1 ) They are NOT the original creditor 2 ) They are the 2nd debt collection agency trying to get money from me XXXX ) Terms between the bureaus are inaccurate which Ive asked them to delete and they refuse Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : ( XXXX ) XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - I want this Collection Account deleted for 1 ) They are NOT the original creditor 2 ) They are the 2nd debt collection agency trying to get money from me 3 ) Terms between the bureaus are inaccurate which Ive asked them to delete and they refuse Collection Professional - Violation of my HIIPA which should be private, want DELETED XXXX XXXX  - Want DELETED based off inaccuracies Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Personal Info : Address XXXX XXXXXXXX XXXX XXXX XXXX 

Employment History : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection professionals I - Violates HIIPA Hard Inquiries : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: NV

Complaint narrative:
Upon reviewing my credit report, I was disturbed to find accounts that I do not recognize. I never opened these accounts, yet they are appearing under my name, which is completely inaccurate and unacceptable. This misinformation is damaging my credit history, and I need immediate action to correct it.

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 2025-04-02 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: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a complaint regarding the handling of my credit report disputes by TransUnion. 
I sent dispute letters to TransUnion to challenge certain inaccurate items on my credit report. However, instead of resolving my disputes or removing the items as requested, TransUnion responded with stall letters asking me to verify my identity. This is despite the fact that I attached clear and valid documentation, including my government-issued ID, Social Security number , and a recent utility bill to verify my address. 
This request for further verification after I have already provided comprehensive documentation is unreasonable and unnecessary. It feels like a delay tactic, and I am concerned that these stall tactics are preventing me from having accurate information on my credit report, which is impacting my creditworthiness. 
I respectfully ask the Consumer Financial Protection Bureau to investigate this matter and take appropriate action to ensure that these credit bureaus comply with their obligations under the Fair Credit Reporting Act ( FCRA ) to handle disputes accurately and in a timely manner. 
Details of the dispute : Date of dispute sent : [ XX/XX/scrub>, 2025 ] Credit bureaus involved : TransUnion Documentation provided : Government-issued ID, Social Security card , utility bill ( attached ) Thank you for your attention to this matter. I trust that the CFPB will help resolve this issue efficiently. 
Sincerely, 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 2025-04-02 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: MOHELA
State: NY

Complaint narrative:
Mohela has poor customer service i was due 2 refunds since last year. The earliest was XX/XX/year>2024. Each time I call Mohela they put me in a call back que and it takes hours to receive a callback. Then they tell me the matter was escalated and I still have not received my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

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.

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 explanation
Consumer complaint received 2025-04-02 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:
Dear Equifax Consumer Relations, I am writing to formally dispute fraudulent accounts and inquiries that have appeared on my credit report due to identity theft. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S. Code 1681c-2 ) and the Fair Credit Billing Act ( FCBA ), I am requesting that these fraudulent items be blocked, investigated, and permanently deleted from my credit report.

I recently became aware of fraudulent activity on my credit report on XX/XX/scrub> 2025, when I attempted to apply for a home loan. Upon review, I discovered unauthorized accounts and hard inquiries linked to my personal information. I have never applied for, authorized, or conducted any transactions related to these accounts. Additionally, I have received official notice that my personal data was compromised in the Equifax data breach, which further supports my claim of identity theft. 
For reference, I have filed an identity theft report with the XXXX XXXX XXXX and an active investigation is ongoing. The details of the report are as follows : Incident Report Number : [ Provide Report Number ] Date of Report : XX/XX/year>2025 Fraudulent Accounts to Be Blocked & Deleted : XXXX XXXX Account # : XXXX XXXX XXXX Account XXXX : XXXX XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX A ) XXXX  Account # : XXXX XXXX XXXX  Account # : XXXX XXXX XXXX Account # : XXXX Supporting Documents Enclosed : Copy of my government-issued ID ( Drivers License/Passport ) Proof of address ( Utility bill or bank statement ) Copy of the identity theft police report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: TRUIST FINANCIAL CORPORATION
State: NE

Complaint narrative:
In 2023, I was confirmed as the Successor in Interest ( SII ) by my mortgage servicer, Truist Bank, after submitting a valid Affidavit Without Probate that was accepted and recorded by the XXXX XXXX XXXX XXXX XXXX XXXXn Nebraska. This legally transferred the property to my name under Nebraska law. Truists legal department accepted the affidavit, and I was added to the loan as an authorized party. 

Since then, I have applied for a COVID-19 FHA loan modification four times and submitted two formal appeals. Each time, I was denied for varying reasons. Most recently, Truist and HUD are now claiming that I was never properly confirmed as the SII and that I must go through probate. This contradicts both state law and HUDs own Mortgagee Letter XXXX, which allows for non-probate transfers if permitted under state law which this is. 

There is no legal dispute or court case. I am the sole person listed on the recorded deed, and there are no competing heirs or probate actions. HUD has stated they can not assist until probate is complete, even though it is not legally required and directly contradicts their own guidance. 

I am requesting CFPB investigate Truists handling of this case and HUDs failure to ensure policy compliance. I am being denied access to FHA Covid relief I am eligible for, and I am at risk of foreclosure based on incorrect application of both state and federal policy.

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 2025-04-03 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:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 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 2025-04-02 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-04-02 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: PA

Complaint narrative:
I have filed a FTC report shortly after realizing fraudulent accounts/items on my FICO credit report. I have uploaded my FTC report, copy of my drivers license and social security card as proof of my identity. I am filing this complaint to request that you place an immediate block on these fraudulent accounts/items in my credit file within 4 days upon receipt of this correspondence.

I have recently reviewed a copy of my credit report and the following accounts/items does not relate to any transactions that I have made ; therefore, I am requesting that these accounts/items be completely REMOVED and BLOCKED from my FICO credit report. This is not a regular dispute, I have filed a complaint with the Federal Trade Commission to document being a victim of Identity Theft.

Please REMOVE and BLOCK this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts/items be deleted and blocked from my credit file : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: TN

Complaint narrative:
Hello and good day, I have sent out 3 certified dispute letters to experian about this account which is fraud. They have not complied with the codes/ statues of the FCRA XXXX They have taken advantage of me. Even after 3 certified dispute letters I still have not been shown proof that this unverified account is mine. Why, because it is are not. They have had several months to investigate this matter. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. Again after several months ,3 certified dispute letters and this second case with the CFPB I have not received or shown anything. Why, because this not my account. Attached are copies of the second and third certified letter that was sent, also they were notarized before they were mailed out You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following account be verified or deleted immediately. Name of Account and Account Number Provide- Physical Verification XXXX XXXX XXXX XXXX XXXX Unverified 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 2025-04-02 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, 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 a Accounts : XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX date opened XX/XX/XXXX bal. {$19000.00}, XXXX XXXX XXXX  XXXX Account # XXXX date opened XX/XX/XXXX bal. {$2900.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$200.00}. Inquiries : XXXXXXXX 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. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) 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 explanation