vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
I

nquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"

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 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Fresh Holdings Inc
State: NJ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding a fraudulent account that has been reported on my credit report. On or around XX/XX/year>, I submitted a dispute to XXXX concerning an account fraudulently opened in my name by a company called Credit Fresh.

This account was opened without my knowledge or authorization, and I have never conducted business with Credit Fresh. Despite my dispute, the account remains on my credit report, negatively impacting my credit score. I am requesting the CFPBs assistance in ensuring this fraudulent account is removed promptly. 

Details of the Complaint : Creditor Name : Credit Fresh ( CBW CREDITFRESH ) Account Number ( if available ) : XXXX Date Account Appeared on Report : XX/XX/year> Date of Dispute with XXXX : On or around XXXX XXXX, 2025 Response from XXXX ( if any ) : I submitted a complaint to XXXX which is currently under investigation. However, it is my understanding that while the investigation is ongoing, because it is a fraudulent account, the information must be blocked. As of XX/XX/year>, the fraudulent accounts continues to appear on my credit report. My credit score also decreased 56 points as a result of derogatory remarks and missed payments associated with this fraudulent account. 

I have attached copies of my dispute letter to XXXX, any responses I have received, and any supporting documentation, including my identification and any police report or identity theft affidavit, if applicable. 

I request that the CFPB investigate this matter and take the necessary action to ensure that XXXX and Credit Fresh remove this fraudulent account from my credit report. 

Thank you for your time and assistance. Please let me know if any further information is required.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( 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 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due 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 non-monetary relief
Consumer complaint received 2025-03-13 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: Nelnet, Inc.
State: OH

Complaint narrative:
My loan was paused and I wasn't notified of it starting again and my credit score plummeted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IL

Complaint narrative:
I am submitting this complaint to formally request the full cancellation of my student loan debt due to a serious violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ), the Higher Education Act, and the Privacy Act of 1974. My personal and financial data were compromised due to actions involving DOGE and XXXX XXXX, resulting in unauthorized exposure of my private information. 

Under federal law, my student loan records and financial data should have been safeguarded against such breaches. The failure to do so represents a violation of my rights and has put my financial security at risk. The exposure of my personal and financial data has created serious concerns regarding identity theft, fraud, and the integrity of my student loan obligations. Given that my information was not properly secured, I should not be held accountable for student loan debt that has been managed under compromised conditions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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:
XXXX XXXX XXXX 
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: HI

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2025-03-13 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:
I kindly request that you block this information from my credit report for I have not supplied proof under the doctrine of XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. I would like for all listed accounts to be blocked and deleted from my credit report for myself XXXX XXXX last four Social Security number is XXXX, XXXX : XX/XX/year>. ( Please delete the following accounts before I seek litigation for defamation of character ). Accounts XXXXXXXX XXXX XXXX {$7900.00}, XXXX XXXX XXXXXXXX XXXX  {$15000.00}. XXXX XXXX XXXX XXXX  {$430.00}, XXXX XXXX XXXX {$250.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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 kindly request that you block this information from my credit report for I have not supplied proof under the doctrine of XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. I would like for all listed accounts to be blocked and deleted from my credit report for myself XXXX XXXX last four Social Security number is XXXX, XXXX : XX/XX/year>. ( Please delete the following accounts before I seek litigation for defamation of character ). Accounts XXXXXXXX XXXX XXXX {$7900.00}, XXXX XXXX XXXXXXXX XXXX  {$15000.00}. XXXX XXXX XXXX XXXX  {$430.00}, XXXX XXXX XXXX {$250.00}.

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 2025-03-13 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XX/XX/year> Complaint against Synchrony Bank : Ignored instructions to close CD on XX/XX/year> expiration and send funds to me. 

XX/XX/year> received letter from Bank advising my 9 month CD, now valued at {$270000.00}, would end on XX/XX/year>. As requested, I provided instructions not to renew. Send funds to me at close of term. 

XX/XX/year> Received letter from Bank customer service acknowledging receipt of instructions to close account and send funds to me. 

XX/XX/year> Without my knowledge, funds transferred to new 9 month CD despite acknowledged instructions not to renew. Only discovered this when I checked account. 

XX/XX/year> Called Bank to confirm funds from expired CD would be sent overnight XXXX. Was told by person I spoke to ( customer service? ) this would be done. 

XX/XX/XXXX Check not received. Called and new person ( customer service? ) said funds transferred to new CD during 10 day grace/ holding period. Explained to that person those were not my instructions. She transferred me to another person who again stated Bank was holding funds in a 10 day Grace Period. Said person who told me check would be sent overnight was wrong. Who was she!?? She needs to be corrected!! In spite of my acknowledged prior instructions, Bank insisted they were exercising their option to hold funds in a new CD. 

XX/XX/year> Called Bank again asking when funds would be sent. Could not get an answer and was eventually referred to a supervisor named XXXX XXXX. Said she would look into it. 

XX/XX/XXXX XXXX to XXXX XXXX. Said she had arranged for check to be cut and sent to me XXXX She would call me tomorrow at XXXX to confirm check would be sent. 

XX/XX/XXXX XXXX phone call from XXXX. Finally tracked her down and spoke to her around XXXX. She said she had phoned me as promised. I explained to her my cell phone was with me all day waiting for her call, and that my phone does not show a missed call from her. She again said check would be cut tonight and sent overnight XXXX 

At XXXX XXXX account still shows funds in held in new CD so I dont expect check tomorrow. 

Bottom line : My instructions to send funds to me at close of original CD term, acknowledged and confirmed in writing, were ignored. Despite numerous calls to Bank over last 13 days funds remain in new CD. This can not be legal. In addition I expect Bank will try to keep any interest earned on the money last 13 days. 

Can provide supporting documents upon request.

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 2025-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: MO

Complaint narrative:
I had a collection show up on my credit report for XXXX XXXX. I disputed this with the credit bureaus successfully when it was being reported by XXXX XXXX and it was taken off. The collection agency could not provide validation of the debt, so it was removed from my account. They then sold it to Debt Recovery Solutions ( DRS ) who reported it in on my credit. I requested a debt validation letter which I never received. I contacted them again and when I gave them an address to send the validation letter they told me I was being evasive and hung up on me, when I refused to provide identifying information they could add to my file, if they didn't already have the information. I contacted the original creditor and gave them my social security number, my date of birth, my name, and address to the agent and they could not locate me as ever having been a customer. I have disputed this with the credit bureaus, however it had been verified as accurate. I have no knowledge of this account and can not seem to get a validation letter to verify it is an account that belongs to me. I can't file a police report because I have no information pertaining to the debt, as they refuse to give me any validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-13 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: LA

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 2025-03-13 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: LA

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