vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-14 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:
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. 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 XXXX TX XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: FL

Complaint narrative:
I am filing this complaint to report a false and legally unsupported 30-day late payment reported on my credit file by XXXX, currently appearing in Experian and Equifax, while XXXX  reports no delinquencies for the same account. XXXX Account ending in XXXX. 

This inconsistency shows that the derogatory data is unreliable, unverified, and materially misleading. 

I have never received : A billing statement showing due date or payment amount ; Any written notice of delinquency or late fee ; Any documentation verifying the legitimacy of the late payment during previous disputes.

Furthermore, under the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and TILA Regulation Z, creditors must send billing statements at least 21 days before the due date. Failure to do so invalidates any claim of delinquency.

Under the Fair Credit Reporting Act ( FCRA ) : CRAs must maintain maximum accuracy ( 15 U.S.C. 1681e ( b ) ) ; Unverified information must be removed ( 15 U.S.C. 1681i ) ; Furnishers must conduct a reasonable investigation with documentation ( 15 U.S.C. 1681s-2 ( b ) ).

Both the CRA and the furnisher have failed to provide legally required documentation or respond adequately to my prior disputes.

I reference the following legal precedents : Cushman v. Trans Union Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) : Bureaus must perform independent investigations, not rely solely on furnishers.

CFPB v. Experian Info. Solutions, Inc., No. 8:25-cv-00024 ( C.D. Cal., Jan. 2025 ) : Experian was penalized for using e-OSCAR responses without verifying documentation in consumer disputes.

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 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim XXXX XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-06-14 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Texas Guaranteed
State: TX

Complaint narrative:
Account XXXX CO # XXXX, XXXX unaware of this debt and did not have the opportunity to dispute this account. Please provide XXXX Mail with a receipt displaying my signature. If not, please delete this account XXXX CO # XXXX from my credit report as soon as possible or I will be forced to take legal action. According, to FCRA 15 U.S. Code 1681n, I am entitled to monetary compensation for damages caused by these violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: UT

Complaint narrative:
On XX/XX/year> I had submitted a complaint about inaccuracies with my credit reporting to Experian, Trans Union, and Equifax. At the bottom of this is the initial complaint that was filled. These companies proceeded to stall addressing my complaint by asking for information that had already been provided to them. By mid XXXX the finally responded to my complaint claiming they had addressed the issues. However, after reviewing my credit report for the month of XXXX, the discrepancies and inaccuracies that were supposed to be corrected are still there. Attached to this are a copy of my XXXX credit report as well as the credit report that was initially sent to Experian with the discrepancies circled in red. 

Here is a copy of the initial dispute : 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 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 supposed 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. 15 U.S.C. 1681B ( 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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:
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. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Ocwen Financial Corporation
State: MN

Complaint narrative:
I have reached out to PHH multiple times trying to understand the amount of my mortgage. I see when they took over my loan from the original lender, my loan amount went back to the original amount I owed. I bought my house for {$120000.00}. I paid on it for 3 years. PHH bought it. I started paying them at the original amount of {$120000.00}. Instead of getting any credit for what I had paid for the 3 years. No one will tell me why I am not getting any credit for the 3 years I paid my mortgage.

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 2025-06-14 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:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: OH

Complaint narrative:
I am a verified victim of identity theft, backed by my FTC Identity Theft Report # XXXX, and EXPERIAN has continued to report fraudulent personal information, accounts, and inquiries even after receiving all proper documentation. 

Despite submitting my FTC report, government-issued ID, and proof of address, EXPERIAN has refused to remove the following : is violating multiple sections of the Fair Credit Reporting Act : FCRA XXXX ( a ) Duty to ensure maximum possible accuracy FCRA XXXX Blocking of identity theft-related information FCRA XXXX Failure to reinvestigate and correct disputed data FCRA XXXX Furnishing information known to be inaccurate FCRA XXXX & XXXX Willful and negligent noncompliance

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 2025-06-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: NY

Complaint narrative:
Netlet is reporting inaccurate information on my account. Specifically, the balance is not being updated correctly, which is negatively impacting my credit score. Despite making payments and maintaining my account in good standing, the reported balance does not reflect my current activity. This incorrect reporting is unfairly lowering my credit score and could affect my ability to access credit or favorable terms. I am requesting that Netlet promptly correct the account balance and ensure all credit reporting reflects accurate, up-to-date information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: LA

Complaint narrative:
consumer financial credit bureau subject : request for debt validation-FDCPA compliance to whom it may concern, i am writing in regard to an alleged debt under tg fair debt 1962 i am requesting validation of the debt you claim i owe please provide me with the following documentation 1. verification of the debt including the amount and the breakdown of any interest fees or other changes 2. the name and the original creditor and the original account number 3. a copy of a signed contract with my signature that created the debt showing that i am legally obligated to pay 4. proof the consumer financial credit bureau is legally authorized to collect this debt in my state.

5. a statement confirming that the debt has not been sold or transferred to another agency. i would like it in 30 days its the law until you provide this information you are required to cease all collection efforts including reporting this debt to the credit agencies. if you have already reported it please inform them that the debt is in dispute. please send all of the future communication regarding this matter in writing only

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: VA

Complaint narrative:
I recently received dispute results from Experian, XXXX, and XXXX, and they claim that certain accounts have been " verified. '' However, I have contacted the creditors directly, and they have denied any record of a dispute. This means the credit bureaus could not have properly verified these accounts. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this issue, as it appears the credit bureaus are failing to conduct a reasonable reinvestigation, as required by the Fair Credit Reporting Act ( FCRA ). The continued reporting of these accounts without proper verification is inaccurate and unfairly damaging my credit.

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 2025-06-14 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: NY

Complaint narrative:
I am submitting a formal identity theft complaint. I have filed an FTC Identity Theft Report and provided supporting identification documents. There are multiple unauthorized XXXX inquiries and XXXX fraudulent accounts on my credit report that I did not authorize or initiate. 

These items are the result of identity misuse and must be removed under FCRA XXXX XXXX. I am requesting that all unauthorized entries be permanently deleted based on the evidence provided. 

Please process this request accordingly and confirm that these records will be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, I went to XXXX XXXX to turn in my XXXX XXXX and XXXX a new XXXX XXXX before the lease was due. XXXX XXXX XXXX XXXX up all the paperwork for the purchase of the XXXX and the new contract for the new lease on the XXXX. The problem is that they did not follow-through and turn in this paperwork to their XXXX  XXXX XXXX XXXX XXXX XXXX never received the documents that indicated that XXXX XXXX had bought the XXXX so they charged me for the XX/XX/XXXX payment. I had stopped the auto payment in XXXX when I turned in the XXXX to XXXX XXXX. Consequently, the XXXX XXXX XXXX XXXX XXXX deemed me as delinquent and after 30 days, they reported my delinquency to the XXXX XXXX. Here in XXXX the problem. The XXXX belonged to XXXX XXXX in XXXX, Texas. I was not to pay the monthly lease on the XXXX because I now had a XXXX XXXX. Tried talking and asking XXXX XXXX for help in clearing my record but they did not help. After many emails and phone calls and voicemail messages, I contacted XXXX XXXX XXXX and they indicated that the only way they could address the error from XXXX XXXX was for me to XXXX a typed letter on their letterhead with the following answers : I am informing you that XXXX XXXX has no recourse but to request an official letter from you indicating the following information : 1. Your name and title of responsibility.

2. Date of letter on dealership letterhead.

3. Full address.

4. Date that you received the XXXX XXXX

5. My name is the customer.

6. The account number. 
7. Letter signed and dated by responsible agent of XXXX XXXX. 
Once you have this letter with all the information above, please send it to me electronically so that I can call XXXX XXXX, XXXX XXXX Department. They will then give me an email address to electronically send it to. Then and only then are they willing to start the credit dispute correction. As it is now, my Credit Score has been negatively affected by some XXXX points. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, took the task but never did respond even though he assured me several times that he would draft the needed letter with the needed information. As of Tuesday, XX/XX/XXXX I found out that XXXX XXXX XXXX is no longer employed by XXXX XXXX. Furthermore, nobody seems to know who took over his tasks. So bottom line, I need help clearing my no-fault delinquency tag on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: VA

Complaint narrative:
This letter serves as a formal dispute and demand for deletion pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, which mandates the reinvestigation of inaccurate, incomplete, or unverifiable information reported in a consumers credit file. 
I am demanding an immediate reinvestigation and deletion of the following account from my credit file : Disputed Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LEGAL GROUNDS FOR REMOVAL : Under 15 USC 1681i ( a ) ( 1 ) ( A ), once a dispute is filed, you are legally obligated to conduct a full and proper reinvestigation. Any item that can not be verified with complete accuracy must be deleted from the consumer 's file within 30 days.

I am exercising this right and demanding strict compliance. Additionally, 15 USC 1681i ( a ) ( 5 ) ( A ) states that any disputed item that : can not be verified must be deleted from the file of the consumer.

Let me be clear : unless you can furnish original documentation with my wet signature proving I originated this account, you must delete it. That means no screenshots, no digital entries, no data dumps from the furnisher I want the actual original contract bearing my live signature as verification. Anything less is legally insufficient under federal law.

Per 15 USC 1681i ( a ) ( 2 ) ( B ), if the furnisher fails to respond or verify the account with sufficient evidence, you are required to delete the account immediately.

YOU ARE HEREBY PUT ON NOTICE : You have 30 days from the receipt of this letter to complete a lawful investigation.

If this account is not 100 % verifiable, or if no documentation bearing my wet signature is produced, the account must be permanently deleted.

Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office.

I am also prepared to pursue civil litigation under 15 USC 1681n and 1681o for any willful or negligent noncompliance with federal law, where damages of up to {$1000.00} per violation, plus punitive damages, attorney fees, and court costs may be imposed.

I expect this matter to be handled with the utmost urgency and in full accordance with federal law. You are not above the law. If this account is not verified to the letter of the law, it must be deleted without delay.

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