vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 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: VA

Complaint narrative:
This constitutes a violation of FCRA 607 ( b ), which requires all information reported to be accurate and complete, and FCRA 605B, which mandates the blocking of fraudulent information once identified. Because this false delinquency damages my creditworthiness and can not be properly verified, I am requesting that the CFPB enforce the immediate removal and blocking of these accounts from all reporting agencies. I am exercising my rights under federal law and requesting the CFPBs help in holding these agencies accountable for their failure to comply. their are clear inaccuracies from, different open dates, amount owed, last reporting dates, different account numbers, which proves that these accounts aren't verifiable, I have requested the bureaus do a good check and some items are only deleted on two bureaus, transunion has been awful at complying with the cfpb

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 2025-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Kiavi, Inc.
State: FL

Complaint narrative:
Key Issues Identified : Balloon Mortgage Violation ( Non-Compliant Term ) : The balloon mortgage was structured to amortize entirely within 3 years, which violates XXXX and Florida seller financing laws requiring a minimum of 5 years for such terms unless exempted under specific criteria. Also the borrows didnt receive amortization schedule to know when does the loan fully mature. 

The consumer was unaware of the full loan terms until after signing and was not adequately informed about the balloon repayment requirement or timeline. 

Forged or Mismatched Signatures : Documents bear signatures that the consumer believes were either forged or signed under duress/misrepresentation. The consumer notes distinct differences between their actual signature and what appears on key disclosures. 

PAGE 107 IS A COMPLETELY DIFFERENT SIGNATURE AS TO THE OTHER ONES. I DO NOT PRESS HARD WHEN WRITING AND MY OVALS ARE WIDE NOT TIGHT Failure to Provide Required Disclosures ( TILA/RESPA Violation ) : The consumer repeatedly asked for the HUD/Closing Disclosure XXXX which was withheld until the day of signing. 

The CD and supporting documents were not delivered within the federally required 3-day review window prior to closing, violating TILA ( Truth in Lending Act ) and RESPA ( Real Estate Settlement Procedures Act ). 

Unexplained Closing Costs and Rehab Fund Misrepresentation : Consumer paid {$40000.00} upfront ( 10 % down + closing ), then was required to wire an additional {$21000.00} at closing, without clarity on its necessity. 

Of that, {$11000.00} was supposedly for rehab reserves, but the consumer used personal funds to complete the rehab and never received reimbursement, despite being told they would. 

Lack of Clarity on Loan Payoff / Equity Position : The consumer was misled about the refinance process and expected to recoup {$20000.00} {$30000.00}, only to later find out that the lender ( XXXX ) had more control and reduced equity unexpectedly. 

Broker Misconduct / Unlicensed Middleman Activity : The person managing the deal acted as the broker but was not officially part of the lending company, raising concerns over licensing, fiduciary duty, and conflict of interest. 

Delayed Documentation : Consumer did not receive full closing documents until 10 days after closing, further delaying review and impairing their ability to dispute terms or errors in atimelyfashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
To Whom It May Concern, I am formally disputing the alleged debt that Resurgent reported to my credit file.

Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, I am requesting full validation of this debt, as I have never entered into any contractual agreement with the alleged creditor that would obligate me to this debt.

Furthermore, it has come to my attention that the alleged creditor engages in securitization practices, meaning this debt may have been bundled, sold, or otherwise transferred to third parties, voiding any original obligation. If this is the case, I demand a full disclosure of all transactions related to this alleged account, including the sale, securitization, and any profits generated from it.

To validate this alleged debt, I require the following documentation : Proof of Ownership A signed contract between myself and the original creditor proving that I agreed to this debt under the terms you are attempting to collect. Without my explicit consent, no debt obligation exists. 
XXXX XXXX XXXX XXXX XXXX  Full documentation proving the lawful transfer of this alleged debt from the original creditor to your agency, including the purchase agreement, bill of sale, and all assignments. This must include a flow agreement and transfer of title proving your standing to collect. 
Original Creditor Agreement A complete copy of the original contract, including the terms and conditions that apply to this alleged debt. If the original agreement contains an arbitration clause, then the proper venue for dispute resolution is arbitrationnot third-party debt collection. 
Full Accounting Records A detailed, itemized breakdown of the alleged debt, including principal, interest, fees, and all transactions associated with this account. 
Proof of Lawful Collection Authority Evidence that your company is legally licensed to collect debts in my state and that my private information was lawfully transferred to your agency under 15 U.S.C.

1692b ( 2 ), which prohibits unauthorized disclosure of consumer financial details.

Until you provide all of the above-requested documentation, I do not recognize any obligation to this alleged debt. Under 15 U.S.C. 1692g ( b ), you must immediately cease all collection efforts, remove any negative reporting from my credit file, and confirm in writing that no further action will be taken until full validation is provided.

Should you fail to comply with this request within 30 days, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals Office for investigation and enforcement actions. 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: TX

Complaint narrative:
XXXX. My credit report shows additional names that are not mine. Thought once removed calling Experian agent directly the names appeared again without any registry on my behalf certainly not opening any accounts. This inaccurate information is not authorized and the information not initiated by me. 

XXXX. Added addresses of residential locations and businesses not associated with me appeared on my report specifically commercial business address not owned and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which I do not occupy all I have no association. 

XXXX. Accounts placed on report have been disputed for accuracy. Accounts negatively effecting report posting as closed, charged off, payment history 's, collection accounts are disputed and have not been validated in full legal consideration of FCRA to include original contracts, wet signature, notification of debt transfer where applicable. Disputing through Experian exposed my personal information to be used in association of negative hindrances, correcting information not accurate, accepting the account management had contacted me and settled the dispute and closing the dispute without verification or proper feedback from claimant. 

" Accuracy '' as defined in the FCRA is " a measurement of value ''. Negative ledger has no value and can not be considered accurate. Passed by congress pursuant [ 15 US code 1692g ] I demand : Chain of assignment, original contract including wet signature, agreement of sale and license to assert collection be included when establishing " Accuracy '' of ALL personal information established personally with Experian and ALL accounts listed on credit report be reviewed and updated. 
Furthermore Experian immediately showing proof my rights where protected and no laws defined in the FCRA were not violated when communicating with provider of information posted in report. 

It is expected Experian thoroughly and fully investigate ALL information posted to credit report as the disputes previously submitted and information presented within this complaint are for accuracy. This does not exclude or limit my right to civil or class action involvement seeking restitution concerning 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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Nelnet, Inc.
State: OH

Complaint narrative:
Subject : Formal Complaint Regarding Unauthorized Credit Reporting and Data Mismanagement * * Dear CFPB, I am writing to formally submit a complaint and request an investigation into unauthorized activity involving my credit information and potential violations of the Fair Credit Reporting Act ( FCRA ), Gramm-Leach-Bliley Act ( GLBA ), and possibly other federal consumer protection laws. 
I discovered that a company allegedly associated with XXXX XXXX venturesspecifically, DOGEunlawfully collected and purged my personally identifiable information without my written consent. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) This action has led to inaccurate information appearing on my credit report, including but not limited to false student loan debt obligations.

The following issues require urgent attention : 1. * * Unauthorized Reporting of Student Loan Debt : * * - My credit report includes references to student loan accounts that I did not open or authorize.

- These accounts were not disclosed to me through proper channels and appear without any formal documentation or agreement.

- I have never entered into a contract with any student loan servicer linked to these entries.

2. * * Lack of Consent for Credit Reporting : * * - Under the FCRA 604, credit reporting agencies must have a permissible purpose to include information in a consumers file.

- I did not provide written authorization for any entity to report student loan activity under my name. 

XXXX. * * Potential GLBA Violations : * * - If DOGE or any affiliated financial institution accessed, stored, or deleted my information without appropriate safeguards or disclosures, this would constitute a violation of the Gramm-Leach-Bliley Act.

4. * * Misrepresentation or Deceptive Practices : * * - If the company misrepresented its relationship with financial services or credit reporting, this could fall under the FTC Act 's prohibition of deceptive practices.

Therefore, I respectfully request the following actions : - An investigation into the unauthorized appearance of student loan debt on my credit report. 
- Immediate removal of any student loan-related accounts that were not authorized or verified by me.

- A determination of whether the credit reporting agency ( s ) violated FCRA 604 by including information without a permissible purpose.

- A response detailing the findings and corrective measures taken within 3045 days, as required by FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. 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 to be 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.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. 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 to be 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.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Update the late payments from my consumer reports

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. 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 to be 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.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Update the late payments from my consumer reports

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
An unauthorized disclosure of my student loan records were made by the U.S.

Department of Education ( DOE ) to the Department of Goverment Efficiency ( DOGE ), which violates 20 U.S.C. 1232g ; 34 CFR Part 99 of the Family Educational Rights and Privacy Act ( FERPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
An unauthorized disclosure of my student loan records were made by the U.S.

Department of Education ( DOE ) to the Department of Goverment Efficiency ( DOGE ), which violates 20 U.S.C. 1232g ; 34 CFR Part 99 of the Family Educational Rights and Privacy Act ( FERPA ).

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
An unauthorized disclosure of my student loan records were made by the U.S. 
Department of Education ( DOE ) to the Department of Goverment Efficiency ( DOGE ), which violates 20 U.S.C. 1232g ; 34 CFR Part 99 of the Family Educational Rights and Privacy Act ( FERPA ).

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 2025-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
My Credit Card was comprosed and used fradulent. I have now completed XXXX dispute letters, police report and over XXXX calls and they refuse to resolve and remove these fradulent transaction. Every employee discloses fails or inaccurate information. I have requested over XXXX XXXX escalation and they never call you back. The letter I get in the mail our templates and dont validate nor answer the dispute at hand.

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 2025-05-15 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: CT

Complaint narrative:
In XX/XX/XXXX, I discovered that my credit report shows multiple accounts and inquiries that I never authorized ; none of these are mine. The fraudulent activity is causing me a great deal of distress, and I feel completely overwhelmed by the situation. The fraudulent accounts include : XXXX XXXX - unsecured loan - opened in XXXX XXXX XXXX XXXX auto loan - opened in XXXX XXXX XXXX  - auto loan - opened in XXXX XXXX XXXX  - credit card - opened in XXXX XXXX - credit card - opened in XXXX XXXX  XXXX - credit card - opened in XXXX XXXX  XXXX - credit card - opened in XXXX XXXXXXXX XXXX  - credit card - opened in XXXX XXXX - credit card - opened in XXXX XXXX - charge account - opened in XXXX XXXX - collection - opened in XXXX XXXX XXXX IN - collection - opened in XXXX XXXX XXXX XXXX collection - opened in XXXX ( Original Creditor XXXX XXXX XXXX ) - collection - opened in XXXX Additionally, there are several unauthorized inquiries, part of the Identity Theft as well, on my credit report : XXXX XXXX inquired on XX/XX/XXXX XXXX inquired on XX/XX/XXXXXXXX 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