vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX  SC XXXX ACCOUNTS : 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 2025-07-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
Im currently receiving letters from Jefferson capital systems LLC from a XXXX account never held under my name and lowering my credit scrore with fraudulent and false information. I need this information removed as soon as possible from my credit report.

Letter received information Charge off date : XX/XX/year> Creditor : Jefferson capital systems , LLC Amount debt : {$1700.00} I haven't called the company as was reading reviews online ( XXXXXXXX XXXX XXXX XXXX ) it has a XXXX stars with more then XXXX reviews saying how fraudulent this company is just wanting to take our money. Please resolve this!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Dear CFPB, I have federal student loans from my graduate education serviced by Nelnet. For several years, Ive been on the SAVE repayment plan. As you are aware, the SAVE plan was enacted during the Biden administration and has been subject to various legal challenges since its implementation. 

In XX/XX/XXXX, I read that the SAVE plan had been canceled. At the time, I was in the early stages of launching my own business and not in a financial position to begin repaying my loans. Based on my research ( including through XXXX ), I understood that applying for an unemployment deferment might be the best optioneven though I was actively working on starting a business. On XX/XX/XXXX, I applied for the unemployment deferment, and it was approved. 

However, by XXXX I realized that this course of action had unintended financial consequences. I contacted Nelnet and requested to be removed from the unemployment deferment, and they reinstated me on the SAVE plan effective XX/XX/XXXX. 

The issue is that when I applied for the deferment on XX/XX/XXXX, Nelnet retroactively set the start date to XX/XX/XXXX. Because interest accrues during unemployment deferment ( unlike under the SAVE plan ), they retroactively added approximately {$6000.00} in accrued interest to my account. 

I fully acknowledge that applying for the unemployment deferment was a mistake, and I certainly did not intend for it to be backdated to XX/XX/XXXX. As soon as I became aware of the financial implications, I took immediate action to correct the situation. Ive sent multiple emails and spoken to Nelnet customer service by phone, most recently on XX/XX/XXXX. 

While Nelnet was able to reinstate me on the SAVE plan, they stated they can not reverse the accrued interest, citing Department of Education policy. They also mentioned that many other borrowers have experienced the same issue, and that there is nothing they can do. 

I dont know whether the fault lies with Nelnet or the Department of Education , but it seems deeply unfair that a borrower can complete a form online andwithout clear disclosure, confirmation, or any noticeincur thousands of dollars in retroactive interest. I previously worked at a bank that issued credit, and we were constantly scrutinized to ensure compliance with fair lending practices and consumer protections. In my experience, no private lender would be allowed to apply this kind of retroactive charge without consequenceyet Nelnet and the Department of Education appear to operate above those standards. 

Please let me know what additional information you may need from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: FL

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

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 2025-07-11 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: FL

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

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 2025-07-11 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: Monterey Financial Services LLC
State: AZ

Complaint narrative:
I purchased a timeshare at XXXX XXXX ( XXXX Resorts ) around XXXX when I was XXXX XXXX XXXX and on active-duty military, stationed overseas in XXXX. I paid off the purchase in full within XXXX  years. 

In XX/XX/XXXX, I contacted XXXX XXXX  by email to request a copy of the original contract to confirm whether I still legally owned the timeshare or owed ongoing maintenance fees. I never received a response. 

In XX/XX/XXXX, I contacted Monterey Financial Services ( the debt collector ) and asked for debt validation, including proof of ownership and the legal basis for continued billing. I received no reply. 

I then disputed the account with XXXX. They reported the debt as verified, but no documentation was provided. 

This is not a loan or unpaid purchase this is a maintenance fee tied to a timeshare I have not been able to use in over XXXX  years due to constant unavailability. 

As a result of this unvalidated collection, my XXXX  XXXX XXXX dropped from XXXX to XXXX. I have spent over XXXX  years maintaining excellent credit with no missed payments and built an XXXX XXXX XXXX. This is the first negative mark Ive ever had, and it is the result of a disputed maintenance fee I can not verify and never agreed to continue paying indefinitely. 

I am simply requesting the account be removed unless the creditor or collector can provide clear documentation showing that I still legally own the property and am contractually obligated to pay this amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: IL

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: NY

Complaint narrative:
Im writing because I discovered a credit inquiry on my report that I did not authorize or consent to in any way. This inquiry was done online and is completely fraudulentI had no knowledge of it until I reviewed my credit report. 

Let me be absolutely clear : I did not apply for any credit, service, or product that would have required this inquiry. I never gave anyone permission to access my credit file, and I certainly did not authorize it through any online platform. This is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires any credit inquiry to be made only with my explicit consent and for a legitimate, permissible purpose. 

This is identity misuseplain and simple. And I should not have to suffer the consequences of a fraudulent action I had no part in. A hard inquiry, especially one that I did not authorize, affects my credit score and puts my financial reputation at risk.

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 2025-07-11 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX ( XXXX ) XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX FL XXXX XXXX XXXX, CA XXXX Subject : Cease and Desist & Identity Theft Notification To Whom It XXXX Concern, I am writing to formally notify you that I have been the victim of identity theft and demand that you immediately cease all collection activities, including attempts to collect a debt alleged to be owed in my name. 
Specifically, I have received communication from your agency regarding account number [ Insert Account Number ] or alleged debt related to [ Insert Original Creditor Name ]. I have no knowledge of this account and did not authorize such debt. 
This is a formal notice under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX ( c ), demanding that you : XXXX. Cease all further communication with me about this matter except to confirm that you are ending your collection efforts or to notify me of specific legal actions you intend to pursue. 
XXXX. Provide me with the validation of the alleged debt, as required under XXXX XXXX. XXXX. 
XXXX. Permanently remove any derogatory information associated with this fraudulent account from all credit reporting agencies to which it XXXX have been reported. 
XXXX. Confirm in writing that the account has been flagged as fraud and will not be pursued further. 
Please be aware that continued attempts to collect on this fraudulent debt XXXX constitute a violation of the FDCPA and other state and federal consumer protection laws. If you fail to comply with this request, I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my XXXX Attorney XXXX XXXX, and to seek legal remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: IN

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! 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 2025-07-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
My ex-wife by divorce agreement was required to get my name off the mortgage. She went into forbearance during covid and missed many payments. In order to do the assumptions process we had to get the loan current so we went into the modification process. After over a year we finally got the loan current and did all the paperwork for the assumption. During the entire time I refused ( and was asked ) many many times to sign the quick claim deed. I told all parties under no circumstance will I sign until we know the assumption will go through. I was told that we were good to go by the assumptions team at Freedom Mortgage and the last thing I needed to do was sign the deed. So I signed. Calling back to check the status of the assumption today I found even though I am still on the loan they will no longer give me information and to refer to my ex-wife. After arguing the fact that I was still on loan and demanding info they told me the assumption was denied. After speaking with my ex I found out they also sold the loan to XXXX. This is exactly why I did not want to sign the quick claim deed and they fraudulently got me to do it claiming the assumption would go through if I singed the deed. Now I have released my claim and say in the property and am the only one advocating for the release of my name from the Mortgage. I have dates from speaking with freedom for almost 2 years as well as names and employee numbers to long to list here. I can upload them at another time.

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 2025-07-11 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: OneMain Finance Corporation
State: PA

Complaint narrative:
I sent docket transcripts of my sentencing transcripts i was sentenced to XXXX  months in XXXX  in XXXX  and just getting out this year I sent them the last identification I had before I went to prison straight identity fraud those aren't my credit accounts or loan they have all documents

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: OH

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-07-11 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: OH

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: IL

Complaint narrative:
I am requesting your assistance in initiating an investigation into these accounts, as they are being reported inaccurately on my credit report. Under USC 1681g, I am formally requesting that they be removed within 15 days. I have attached all supporting documents for your thorough review. Furthermore, the details reported for these accounts are inconsistent and incorrect across the credit 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 2025-07-11 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-11 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: CA

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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 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