vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Please see the attached file. I am filing this complaint due to noncompliance with the FCRA. My consumer report contains inaccurate personal information, unverified accounts, and unauthorized inquiries that were added without my authorization. Despite my dispute, the company failed to properly verify or correct these items as required under FCRA 1681e ( b ) and 1681i, causing financial harm and violating my privacy.

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 2025-12-09 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: SC

Complaint narrative:
I am submitting this formal complaint regarding multiple inaccurate, misleading, and unauthorized items appearing on my consumer credit reports. These errors are causing significant harm to my creditworthiness and violate the Fair Credit Reporting Act ( FCRA ). I am requesting immediate investigation, correction, and deletion of all inaccurate information listed below. 

XXXX. Inaccurate & Wrong Addresses Reported The following addresses appearing on my credit report are completely wrong, and I have never lived at, used, or been associated with any of them : XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX These addresses are false identifiers and violate FCRA 607 ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy.

I demand the immediate deletion of these incorrect addresses from all credit bureaus.

2. Unauthorized Collection Accounts ( I Have No Knowledge of These Accounts ) The following collection accounts do not belong to me. I have no knowledge, no contract, and no financial relationship with these companies. 
These accounts are inaccurately reporting under my name and violating FCRA 602, 603, and 609 : XXXX Account # XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} XXXX Account # XXXX Date Opened : XX/XX/XXXX Balance : {$930.00} These accounts are fraudulent or incorrectly assigned, and I request full deletion from my credit report because I do not acknowledge them and have never authorized any such account. 

XXXX. Unauthorized Hard Inquiries ( I Did Not Give Permission ) The following inquiries were made without my knowledge or written authorization, violating FCRA 604 : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX I did not apply for any credit with these entities. These inquiries must be removed immediately. 

Requested Actions I request that the CFPB : Conduct a full investigation into these inaccuracies.

Require all credit bureaus to remove : All wrong addresses All unauthorized collection accounts All unauthorized inquiries Provide written confirmation of the corrections and deletions. 

Declaration I certify that the information provided in this complaint is true and accurate to the best of my knowledge. 
These errors are seriously damaging my credit profile, and I request urgent corrective action. 

Thank you for your immediate assistance.

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 2025-12-09 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: DE

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 XXXX Code XXXX 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 ( XXXX ) 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 explanation
Consumer complaint received 2025-12-09 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: DE

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 XXXX Code XXXX 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 ( XXXX ) 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
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: GA

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

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 2025-12-09 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: GA

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

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 2025-12-09 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I recently viewed a copy of my credit report and noticed that I had fraudulent accounts.please remove account from my report.They are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-12-09 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: TX

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: FL

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ). 
Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-12-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Back in XX/XX/year> my payments were starting for Freedom Mortgage for the amount of {$2800.00}. I sent my tax exemption state that since i was a XXXX XXXX XXXX vet in Texas i don't pay property taxes. The sent me a new escrow disclosure stating my new monthly payment will be {$2000.00} starting XX/XX/year>. The company never changed my payment in the system to the {$2000.00} instead kept it at the higher amount. I called they told me the system was so to just pay the {$2000.00} and it will get fixed. 3 months later it still was not fixed. and they transferred my loan to XXXX XXXX company with now what looks like a missed payment for the month of XXXX. I've since then did a escalation with XXXX and was told that there is nothing XXXX could do Freedom Mortgage would have to fix it. Freedom Mortgage states that they cant fix it because they don't have control of the account that XXXX would have to fix it. At this point in time i have not heard from the Escalation Manager at XXXX in over a month and cant get in touch with even customer support .. Ive sent all doc to XXXX that Freedom supplied since XX/XX/year> and bank statements and this issue still has yet to be resolved. This is my final attempt to get this fixed before taking both XXXX and Freedom Mortgage to court. Attached is 2 bank statements, escrow statements and billing statements. Since XXXX from today XX/XX/XXXX 5 payments have been made. which would mean up to date.

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 2025-12-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: WA

Complaint narrative:
To Whom It May Concern, I am filing this complaint because Nelnet is reporting a XXXX late payment on my student loan account that is inaccurate, incomplete, and not verifiable under the Fair Credit Reporting Act ( FCRA ). 

Account Information Servicer/Furnisher : Nelnet ( listed as DEPTEDNELNET ) Original Loan Date : XX/XX/year> Late Payment Reported by : XXXX XXXX XXXX Late Removed by : XXXX Summary of the Issue The alleged XXXX late payment occurred during a period when the servicing of my student loan was transferred. However, I never received notification from either the prior servicer or Nelnet about the transfer, new payment instructions, or the date the transfer would be effective. 

The Department of Educations federal student loan servicing regulations require borrower notification of servicing transfers.

Regulatory requirements include : 34 CFR 682.208 ( f ) requires the previous servicer to notify the borrower within 45 days of the transfer, including new servicer details and payment instructions.

34 CFR 685.222 ( e ) ( Direct Loan servicing requirements ) similarly mandates timely and accurate borrower notification regarding servicing changes. 
I received no such notice. As a result, I was unable to make payments on time, and the delinquency occurred through no fault of my own. 

Applicable FCRA Violation Because the delinquency resulted from a servicing-transfer notification failure, the information is not accurate and can not be verified, which violates : FCRA 623 ( a ) ( 1 ) ( A ) Furnishers must not provide information to consumer reporting agencies if they know or should know the information is inaccurate.

XXXX  has already investigated and removed the late, further demonstrating that the delinquency is not verifiable.

Requested Resolution I respectfully request that Nelnet : Remove the inaccurate XXXX late payment from all consumer reporting agencies. 
Update the account to reflect a fully accurate payment history. 
Provide written confirmation once corrections are completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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:
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
Consumer complaint received 2025-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My loan was with XXXXXXXX XXXX  In good standing with a credit in monthly payments. I only pay principal and interest. No escrow for tax and insurance. 
Paid monthly by my bank XXXX on time. LoanTransferred to XXXXXXXX XXXX  month of XX/XX/XXXX. 
XXXX has not given me credits for my money. I sent proof by email my paid insurance for a year. All years of tax paid. Last tax XX/XX/XXXX paid by me that day. I asked 5 times to speak with a supervisor/manager. I was told this take XXXX hours. As of this day XX/XX/XXXX no call. In XXXX I called representatives XXXX took the call. I explained why I was calling. My concerns of no credit for payments. Past due large balances reported to the 3 bureaus. XXXX started laughing. My reply I dont see the funny. Other representatives trying to get me to refinance my loan. My score was high XXXX. Now 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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am formally requesting the immediate removal of the unauthorized transactions and inaccurate information appearing on my credit report. These errors are the direct result of a data breach that compromised my personal and financial informationan event entirely outside of my control. Despite repeated attempts to resolve these issues, I am still being forced to deal with the consequences of reporting failures that should have been addressed long ago. 

The continued presence of these incorrect and unauthorized entries, even after clear evidence of a data breach, is unacceptable. Your mishandling of my information is actively damaging my credit score, jeopardizing my financial security, and limiting my ability to access essential opportunities. I will not continue to tolerate this level of negligence. 

I demand that you immediately conduct a thorough investigation and permanently remove all erroneous information. Any further delay, inaction, or refusal to correct these items will be regarded as a direct violation of my consumer rights. If necessary, I will pursue all legal remedies available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable laws to hold your organization fully accountable.

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 2025-12-09 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: FL

Complaint narrative:
Kindly examine the documents supplied ; the questions arrived unexpectedly and might not have approval.

Company response to consumer: Closed with explanation