vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-30 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:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Date of Charge-Off : [ XXXXXXXX XXXX ) It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off.

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper.

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections.

Thank you for your prompt attention to 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 2025-08-30 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nelnet, Inc.
State: SC

Complaint narrative:
Nelnet XXXX XXXX, XXXX  continued reporting of a time-barred student loan obligation on my consumer report and their sharing of my personal information without my consent. Despite the statute of limitations on this debt having expired more than XXXX years ago, Nelnet persists in furnishing inaccurate information to credit reporting agencies and distributing my name, address, date of birth, and account details to third parties. The underlying loan reached delinquency in XX/XX/XXXX. Under FCRA 605 ( a ), this account should have been removed by XX/XX/XXXX. Reporting a time-barred obligation constitutes a false representation of the legal status of the debt in violation of FDCPA 803 ( 1 ) and CFPAs UDAAP prohibition. Nelnet has transmitted my personally identifiable information to marketing affiliates and prospective employers without my knowledge or consent, in breach of GLBA 6802 and FERPA. Nelnet did not furnish me with the privacy notices and opt-out disclosures mandated by GLBA prior to sharing my data. Nelnets continued dissemination of inaccurate and obsolete debt information, coupled with unauthorized sharing of my private data, has harmed my creditworthiness, infringed my statutory rights, and exposed me to identity theft risk. 


I ask the CFPB to investigate these practices as violations of federal consumer financial protection laws and to order immediate corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: IL

Complaint narrative:
There are accounts listed on my credit report that I did not create, authorize, or approve. These are fraudulent in nature and should not be associated with me. The information being reported is also inconsistent across the different bureaus.

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 2025-08-30 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: KY

Complaint narrative:
XXXX'I am submitting this formal statement regarding numerous inaccuracies and negative accounts that continue to appear on my consumer credit reports. Under the Fair Credit Reporting Act (FCRA), I have the right to dispute any information that is inaccurate, incomplete, or unverifiable. Despite previous disputes and direct requests for correction, these negative accounts remain on my file without proper validation or correction. Each of these accounts is being reported with serious errors, such as inaccurate payment history, unverifiable balances, duplicate reporting, and other misleading information. These reporting errors are causing substantial harm to my creditworthiness and financial standing.\n\nThe following accounts are in dispute:XXXX XXXX XXXX XXXX  Balance: XXXX XXXX XXXX XXXX Balance: XXXX Late 30 days XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance: XXXXBankruptcy XXXX XXXX XXXX U.S. Bankruptcy Court XXXX XXXX XXXX XXXXBankruptcy XXXX XXXX XXXX U.S. Bankruptcy Court 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 2025-08-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
I submitted an escrow request, tax refund, and revised monthly payment since XX/XX/year>. I have attempted to resolve this concern with the bank and the prior XXXX complaint. The mortgage company responded on XX/XX/XXXX : XXXX. Providing an escrow analysis and a new payment amount of {$980.00} effective XX/XX/year>. 
XXXX. They addressed the not being able to refund the insurance payment. 
XXXX. They did not address the {$3700.00} they claimed to pay on the home tax. I have made contact with the XXXX, MI XXXX XXXX XXXX XXXX, and they verified they have no records of receiving this payment.

4. I attempted to make a payment on XX/XX/year>, and the amount due shows {$1300.00}. I called the customer service to verify the amount due. The rep said no update to the monthly payment has taken place, and there was no letter on my account to prove the decreased monthly payment. 

This company is purposefully taking advantage of veteran loans and consumers ' money. I request that all applicable fines and restrictions be initiated in the best interest of veterans and consumers to shield them against big corporate banks that steal, monopolize, and manipulate consumers ' funds behind unjust policies and unnecessary delayed tactics.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-30 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 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: GA

Complaint narrative:
I am formally disputing several unauthorized credit inquiries and accounts that appear on my credit report. These entries were made without my consent or initiation of any business relationship. The companies involved 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 XXXX 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 I did not authorize these companies to access my credit file, and I believe these inquiries and accounts are inaccurate, unverifiable, and damaging to my credit profile. 

I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681i Right to dispute and request reinvestigation 15 U.S.C. 1681s-2 ( a ) ( 3 ) Furnishers must notify agencies of disputed information 15 U.S.C. 1681b Defines permissible purposes for accessing a credit report 15 U.S.C. 1681e Obligation to ensure maximum possible accuracy 15 U.S.C. 1681c Limits on reporting outdated information 15 U.S.C. 1681g Right to access all information in your file 15 U.S.C. 1681m Requirements for adverse action notices 15 U.S.C. 1681n & 1681o Civil liability for willful or negligent noncompliance I was also a confirmed victim of the Equifax data breach, which exposed my personal information and may have led to identity theft. I believe these unauthorized entries are a direct result of that breach.

I have submitted a formal dispute to the credit bureau and requested deletion of these entries. I am now filing this complaint to ensure that my rights are protected and that these inaccuracies are investigated and resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: RI

Complaint narrative:
I am writing to follow up on my previous letter dated XX/XX/year>2025, in which I requested the correction of inaccurate information on my credit report regarding incorrectly reported late payments on my mortage account XXXXXXXX XXXX XXXX XXXX XXXX. To date, I have not received confirmation of the correction nor observed any changes in my credit report.

This issue appears to be in violation of the provisions of 15 U.S. code 1666b and other relevant sections of the fair credit reporting Act ( FCRA ). Additionally, the FCRA, specifically sections 15 U.S. code 1681i and 15 U.S. code 1681s-2 furthermore, I would like to refer to the protection Against Non-Payment of Obligations Act ( PAANL ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: Volvo Car Financial Services U.S., LLC
State: AZ

Complaint narrative:
I am writing in regard to the letter I received concerning my account. After carefully reviewing both your correspondence and the original contract, I must address several serious discrepancies and concerns. 
XXXX, in your letter you stated that the dealership is independent. That is understood ; however, XXXX XXXX XXXX XXXX responsibility in ensuring fair and accurate treatment of customers, particularly when financing agreements are concerned. Passing responsibility back and forth does not resolve the underlying issue. 
XXXX, in paragraph XXXX of your letter, you claim that charges amount to {$2500.00}. Yet, when I add up the charges you listed, the total does not equal {$2500.00}. This inconsistency suggests either a miscalculation or an attempt to inflate the balance owed. Either way, it demonstrates bad faith in handling this account. 
More importantly, the original contract clearly reflects that I provided the first payment at signing. That means there are only XXXX payments remaining, not XXXX. Extending the term by XXXX extra payment is not only a contractual error but an unfair practice. 
At this point, it is difficult to view these errors as simple oversight. Instead, they appear to be a pattern of taking advantage of elderly customers who may not catch the inconsistencies. I am not willing to accept such treatment. 
I request that you immediately : XXXX. Correct the number of payments to reflect the XXXX remaining. 
XXXX. Provide a full and accurate accounting of all charges without unexplained inflation. 
XXXX. Confirm in writing that the account has been adjusted in good faith. 
Failure to address these issues promptly may leave me with no choice but to escalate this matter further through the appropriate regulatory channels.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: CL Holdings LLC
State: CA

Complaint narrative:
2 collection companies have been applied to my credit for accounts that are not mine. My personal information was used to open the accounts and it is showing on my credit report. 
Creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: CA

Complaint narrative:
2 collection companies have been applied to my credit for accounts that are not mine. My personal information was used to open the accounts and it is showing on my credit report. 
Creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV 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 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am disputing a fraudulent account that has been reported under my credit profile. This account does not belong to me, nor have I authorized it. Its reporting is false and harmful to my reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Identity Theft/Fraudulent Account Dispute Request for Block under FCRA XXXX To Whom It May Concern : I am a victim of identity theft and my personal data was compromised in major credit bureau data breaches . All of the following negative items on my credit report are the result of fraudulent activity and were not authorized by me : [ List each negative account as it appears on your report ; ex : ] - XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( Account ending XXXX ) Charge Off - XXXXXXXX XXXX  ( Account ending XXXX ) Charge Off - XXXX XXXX XXXX XXXX ( Account ending XXXX ) Collection - XXXX XXXX XXXX ( Account ending XXXX ) Collection - National Credit Adjusters ( Account ending XXXX ) Collection - Sequium Asset Solutions ( Account ending XXXX ) Collection - [ Add any others ] Under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ) and in accordance with FTC guidance , I request that you BLOCK and REMOVE these fraudulent items within four ( 4 ) business days. I have attached : - A copy of my signed Identity Theft Report ( FTC affidavit or police report ) - Proof of identity - A copy of my credit report with fraudulent items circled Please notify all furnishers associated with these accounts of their obligation to cease all reporting, collection or transfer related to these fraudulent accounts.

Thank you for protecting my rights as an identity theft victim. Please confirm in writing when these items are removed from my file. 

Sincerely, XXXX XXXX XXXX Enclosures : Identity Theft Report, Proof of ID, Highlighted Credit Report

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 2025-08-30 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Identity Theft/Fraudulent Account Dispute Request for Block under FCRA XXXX To Whom It May Concern : I am a victim of identity theft and my personal data was compromised in major credit bureau data breaches . All of the following negative items on my credit report are the result of fraudulent activity and were not authorized by me : [ List each negative account as it appears on your report ; ex : ] - XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( Account ending XXXX ) Charge Off - XXXXXXXX XXXX  ( Account ending XXXX ) Charge Off - XXXX XXXX XXXX XXXX ( Account ending XXXX ) Collection - XXXX XXXX XXXX ( Account ending XXXX ) Collection - National Credit Adjusters ( Account ending XXXX ) Collection - Sequium Asset Solutions ( Account ending XXXX ) Collection - [ Add any others ] Under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ) and in accordance with FTC guidance , I request that you BLOCK and REMOVE these fraudulent items within four ( 4 ) business days. I have attached : - A copy of my signed Identity Theft Report ( FTC affidavit or police report ) - Proof of identity - A copy of my credit report with fraudulent items circled Please notify all furnishers associated with these accounts of their obligation to cease all reporting, collection or transfer related to these fraudulent accounts.

Thank you for protecting my rights as an identity theft victim. Please confirm in writing when these items are removed from my file. 

Sincerely, XXXX XXXX XXXX Enclosures : Identity Theft Report, Proof of ID, Highlighted Credit Report

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 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am disputing a fraudulent XXXX XXXX  XXXX. ( XXXX LA ) tradeline that was added to my credit report without my consent. I never applied for or authorized this account. Despite requesting documentation, XXXX and XXXX have failed to provide any signed agreement or proof of authorization. Instead, they referred me to a generic cardholder agreement, which does not show my consent. 

This account caused a XXXX score drop and has already impacted my ability to secure housing and financial loans. Equifax shows the tradeline is incomplete ( no credit limit, loan type, or account status reported ), which makes the reporting inaccurate as well as unauthorized. 

I have disputed this account multiple times. Equifax and XXXX have not provided proper reinvestigation or correction within the 30-day period required by the Fair Credit Reporting Act ( FCRA 611 and 623 ). Instead, they continue to report inaccurate and fraudulent information.

Company response to consumer: Closed with explanation