vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 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: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: AL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-07-10 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:
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 non-monetary relief
Consumer complaint received 2025-07-10 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: NY

Complaint narrative:
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 2025-07-10 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: AL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: TX

Complaint narrative:
I am submitting this second formal complaint against XXXX for reporting a student loan to the credit bureaus that is not mine, and for refusing to remove this fraudulent entry despite my previous verified CFPB complaint. 

In XXXX prior response, they claimed they could not authenticate me. However, this is disingenuous : I submitted my complaint through my CFPB account, which requires identity verification before submission. There is no legal requirement for me to verify separately with XXXX, particularly when the loan in question is not mine and has no lawful connection to me. 

I do not have, and have never had, a federal student loan serviced by XXXX or any affiliated entity. Reporting such a loan in my name constitutes false and misleading information under : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Prohibits furnishers from reporting inaccurate information to consumer reporting agencies.

FCRA, 15 U.S.C. 1681s-2 ( b ) Requires furnishers to investigate disputes and correct or delete inaccurate, incomplete, or unverifiable information.

Consumer Financial Protection Act, 12 U.S.C. 5536 ( a ) ( 1 ) ( B ) Prohibits covered persons from engaging in unfair, deceptive, or abusive acts or practices ( UDAAPs ). 

Even if the account were mine ( which it is not ), federal law provides that negative credit reporting must be suppressed during COVID forbearance periods. Under the : Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, Section 4021 ( Public Law 116-136 ), If payments were paused or the account was in forbearance and considered current before the pandemic, the creditor must report the account as current. 

The continued negative reporting violates the CARES Act in addition to the FCRA. 

Reporting a fraudulent or misattributed loan under my name is a violation of these statutes. Nelnets failure to resolve this after my first complaint is a continuation of that violation. 

XXXX refusal to investigate because I did not " verify '' separately with them is a bad-faith tactic. The CFPB complaint process is an official and verified channel, and my identity is already confirmed through this portal. They are intentionally stalling the removal of false information in order to avoid liability.

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 2025-07-10 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 submitting this second formal complaint against XXXX for reporting a student loan to the credit bureaus that is not mine, and for refusing to remove this fraudulent entry despite my previous verified CFPB complaint. 

In XXXX prior response, they claimed they could not authenticate me. However, this is disingenuous : I submitted my complaint through my CFPB account, which requires identity verification before submission. There is no legal requirement for me to verify separately with XXXX, particularly when the loan in question is not mine and has no lawful connection to me. 

I do not have, and have never had, a federal student loan serviced by XXXX or any affiliated entity. Reporting such a loan in my name constitutes false and misleading information under : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Prohibits furnishers from reporting inaccurate information to consumer reporting agencies.

FCRA, 15 U.S.C. 1681s-2 ( b ) Requires furnishers to investigate disputes and correct or delete inaccurate, incomplete, or unverifiable information. 

XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ) Prohibits covered persons from engaging in unfair, deceptive, or abusive acts or practices ( UDAAPs ). 

Even if the account were mine ( which it is not ), federal law provides that negative credit reporting must be suppressed during COVID forbearance periods. Under the : Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, Section 4021 ( Public Law 116-136 ), If payments were paused or the account was in forbearance and considered current before the pandemic, the creditor must report the account as current. 

The continued negative reporting violates the CARES Act in addition to the FCRA. 

Reporting a fraudulent or misattributed loan under my name is a violation of these statutes. Nelnets failure to resolve this after my first complaint is a continuation of that violation. 

XXXX refusal to investigate because I did not " verify '' separately with them is a bad-faith tactic. The CFPB complaint process is an official and verified channel, and my identity is already confirmed through this portal. They are intentionally stalling the removal of false information in order to avoid liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this second formal complaint against XXXX for reporting a student loan to the credit bureaus that is not mine, and for refusing to remove this fraudulent entry despite my previous verified CFPB complaint. 

In XXXX prior response, they claimed they could not authenticate me. However, this is disingenuous : I submitted my complaint through my CFPB account, which requires identity verification before submission. There is no legal requirement for me to verify separately with XXXX, particularly when the loan in question is not mine and has no lawful connection to me. 

I do not have, and have never had, a federal student loan serviced by XXXX or any affiliated entity. Reporting such a loan in my name constitutes false and misleading information under : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Prohibits furnishers from reporting inaccurate information to consumer reporting agencies.

FCRA, 15 U.S.C. 1681s-2 ( b ) Requires furnishers to investigate disputes and correct or delete inaccurate, incomplete, or unverifiable information.

Consumer Financial Protection Act, 12 U.S.C. 5536 ( a ) ( 1 ) ( B ) Prohibits covered persons from engaging in unfair, deceptive, or abusive acts or practices ( UDAAPs ). 

Even if the account were mine ( which it is not ), federal law provides that negative credit reporting must be suppressed during COVID forbearance periods. Under the : Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, Section 4021 ( Public Law 116-136 ), If payments were paused or the account was in forbearance and considered current before the pandemic, the creditor must report the account as current. 

The continued negative reporting violates the CARES Act in addition to the FCRA.

Reporting a fraudulent or misattributed loan under my name is a violation of these statutes. Nelnets failure to resolve this after my first complaint is a continuation of that violation. 

XXXX refusal to investigate because I did not " verify '' separately with them is a bad-faith tactic. The CFPB complaint process is an official and verified channel, and my identity is already confirmed through this portal. They are intentionally stalling the removal of false information in order to avoid liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Village Capital & Investment LLC
State: MA

Complaint narrative:
We closed on our home on XX/XX/XXXX and worked with XXXX for our mortgage loan. We were informed on closing day that our mortgage was already in the process of a transfer to XXXX XXXX and that we could continue to make payments through the XXXX portal prior to and after transfer. We were also informed on closing day that the first payment to XXXX was due XX/XX/XXXX. We made our first payment around the beginning of the third week of XXXX. A day or two after making said payment, we get a letter from Village Capital & Investments LLC stating our mortgage is being sold/transferred to them, effective XX/XX/XXXX and our payment is due XX/XX/XXXX. I contacted them stating I had just made the payment to XXXX and was advised to contact XXXX to have the payment forwarded. 

I contacted XXXX and they stated they did not sell or transfer my loan to Village Capital & Investments, and I should continue making payments to XXXX. XXXX through the portal. I then contacted Village Capital explaining what I was told by XXXX. XXXX and was told that's incorrect, Village Capital is who now owns my mortgage and is servicing and I still have a payment due XX/XX/XXXX. I initially thought I was being scammed but did plenty of research and see Village Capital is legit. I can also see an account opening with Village Capital reflected on my credit report. I've dug into all of our accounts to be sure nothing looks suspicious- everything looks fine. I see Village Capital on my credit report but not XXXX. We also were able to pull the XXXX XXXX XXXX and XXXX XXXX XXXX XXXX records, which show that XXXX holds our mortgage, not Village Capital. 

I have gone back and forth with both companies every single day for the last two and a half weeks and keep getting told the same thing by both : " We own your mortgage loan, not the other company. I don't know why they're billing you. '' At this point, the farthest I have gotten is one individual, XXXX from XXXX. XXXX, who seemed invested in our case, asked tons of questions and stated he was submitting a formal investigation to corporate- we are still waiting to hear of an outcome which I'm hoping we will get some info today. We are truly getting nowhere. Both companies are saying they own the mortgage and that the other is wrong. I have demanded proof of the mortgage note from both companies and have not received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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:
TransUnion is reporting that the XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was closed on XX/XX/year>, with a high balance of {$1000.00} and the account charged off as a bad debt. However, TransUnion lists inconsistent and vague payment history dataonly showing a charge-off status without clearly detailing delinquencies leading up to the charge-off. This lack of specificity and partial reporting violates the standard of maximum possible accuracy under 15 U.S.C. 1681e ( b ). Additionally, the creditor type is listed as Bank and S & L, which does not match the more precise classifications from the other 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 non-monetary relief
Consumer complaint received 2025-07-10 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 don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : 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 7 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.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open en
d consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-07-10 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:
This is a formal dispute regarding a hard inquiry reflected on my credit report. I do not recognize this inquiry and have not initiated any credit-related applications that would justify its presence.

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 2025-07-10 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: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-07-10 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: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief