vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lyons, Doughty & Veldhuis, PC
State: NJ

Complaint narrative:
On XXXX i did receive a letter from court to verify if i was going to attend to court that was due XXXX XX/XX/year> then when i called the court to attend one day before court. 
i was surprised by the clerk telling me that the judge and LDVLAW already closed the case without me being present or being notified, i didn't signed any Certified mail coming to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
My loan with XXXX lending was sold to XXXX serviced by XXXX. I had auto draft set up on my account. When it was sold they did not clearly state to do nothing and that my autodraft would be transferred. Instead they informed me of where to make payments as of XXXX date. I was worried about getting a late payment as a result of the transfer and set up a bill pay from my account. They transferred my autopay resulting in XXXX double payments. When I discovered the double payment I contacted XXXX. They stated I had to file a claim on line. I filed the claim online with no response. I called again after finding out a second double payment went through. When I called again they stated that showing the double payment on my payment history reports from XXXX was not enough. I had to provide a copy of my actual bank statements proving the money came out of my account. I told them this does not seem right and was a violation of my privacy as they would see all of my account activity ( debits and credits ). They would not accept a blacked out copy only showing the withdraws pertinent to this issue. They said they had to see my beginning and ending balances and how that trued up. Mind you their own payment history showed the payments being made. On top of it all, they said when they received the bank statements they would after XXXX days mail a hard paper check. I asked if I could authorize an electronic deposit to my account and they said they could not. Clearly this is so they can hold other people 's money for longer periods of time to accrue the interest, even XXXX ( the retail store ) can issue a credit. The gentleman XXXX badge # XXXX was nice but said he could only follow policy.

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 2025-04-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: MO

Complaint narrative:
This debt does not belong to me and I have expressed this on may occasion however, it is still being reported on my credit report.

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 2025-04-17 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: GA

Complaint narrative:
Please remove and block the unauthorized accounts listed on my credit report at your earliest convenience. I did not authorize or create these accounts and am unaware of where they originated. As per USC 1681g, I am requesting their removal within 15 days. Supporting documentation is included for your careful evaluation. The information reported varies between credit bureaus and is incorrect.

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 2025-04-17 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: OH

Complaint narrative:
This letter serves as a formal follow-up to my previous correspondence regarding your agency 's ongoing refusal to comply with the Fair Credit Reporting Act ( FCRA ), specifically in connection with my properly filed identity theft report submitted through XXXX. 

To date, your agency has not provided any satisfactory justification for rejecting this report, nor have you taken the necessary steps to investigate or remove the clearly fraudulent account listed below from my credit file. As reiterated in my prior letter, federal lawincluding FCRA Section 605B and Section 617requires you to accept valid identity theft reports from consumers, including those submitted through the Federal Trade Commissions IdentityTheft.gov platform. Nowhere does the law require that such reports originate solely from a law enforcement agency. 

Your continued rejection of my legally sufficient identity theft affidavit is not only unsupported by federal law but also constitutes willful noncompliance with the FCRA. This failure to act in accordance with clearly established legal procedures and CFPB guidance reflects blatant disregard for my rights as a consumer and victim of identity theft. 
XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: NC

Complaint narrative:
This is my first request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 explanation
Consumer complaint received 2025-04-17 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: CA

Complaint narrative:
I am filing a formal complaint against the credit reporting agency for having reinserted a previously deleted account ( XXXX FIN # XXXX ) into my credit report without proper notice, as required by the FCRA in its Section 611 ( a ) ( 5 ) ( B ). The account was originally terminated on XX/XX/year> and then reinstated on XX/XX/year>, based on the results of the investigation I received. This contradicts the legal requirement to notify me 5 days in advance. I was never notified.

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 2025-04-17 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: IL

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAU is required to remove this account not later than XXXX business days after the receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$260.00}

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 non-monetary relief
Consumer complaint received 2025-04-17 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: MS

Complaint narrative:
I am submitting this formal complaint to address discrepancies found in my credit report and to request a fair and accurate resolution. I respectfully urge the credit bureaus to verify and correct my personal identifying information, including my full legal name, current address, date of birth, and the last XXXX digits of my Social Security number. Any information that is inaccurate, outdated, or unverified should be corrected or removed promptly to ensure my credit file reflects accurate data. 

The following entries are of concern : 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 DEPTEDXXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting a thorough reinvestigation of all disputed entries. If any item can not be verified with concrete and accurate documentation, I request its immediate removal to prevent it from negatively impacting my credit profile.

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 2025-04-17 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: EQUIFAX, INC.
State: NY

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX * * * * * * Balance Owed : {$500.00} XXXX  XXXX XXXX * * * * * * Balance Owed : {$1300.00} XXXX XXXX * * * * * * * * * Balance Owed : {$17000.00} XXXX  XXXX XXXX XXXX * * * * * * * * * * * Balance Owed : {$1800.00} XXXX XXXX * * * * * * * * * * Balance Owed : {$5500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX * * * * * * Balance Owed : {$500.00} XXXX  XXXX XXXX * * * * * * Balance Owed : {$1300.00} XXXX XXXX * * * * * * * * * Balance Owed : {$17000.00} XXXX  XXXX XXXX XXXX * * * * * * * * * * * Balance Owed : {$1800.00} XXXX XXXX * * * * * * * * * * Balance Owed : {$5500.00}

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 non-monetary relief
Consumer complaint received 2025-04-17 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: Affirm Holdings, Inc
State: OR

Complaint narrative:
In accordance with the Fair Credit Reporting Act. This creditor has violated my rights Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681, section 604 a Section 2, it also states a consumer reporting agency can not furnish an account. Without my written instructions. Under 15 USC 1666 b, a creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: TX

Complaint narrative:
I am formally requesting that you block and remove these unauthorized accounts from my credit report immediately. I have no association with these accounts, nor did I authorize their creation. According to USC 1681g, they must be removed within XXXX days. Ive attached the necessary documents for your review. Please note that each bureau is reporting different, inaccurate information related to these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am seeking assistance in reviewing accounts that are incorrectly reported as having late payments. My credit report shows late payment marks on specific accounts, which is inaccurate. These accounts should not have any late payment remarks. Please remove them and ensure the accounts are updated to a positive status as originally agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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 recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report. they are hurting my ability to obtain 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 explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CCF Intermediate Holdings LLC
State: IL

Complaint narrative:
I got a title loan and was never compensated for my title being lost and all of my information being lost and my car was also stolen a little afterwards

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I Am a Victim of Identity theft and Have been Since XXXX These Companies keep extending credit to these creditors XXXX, XXXX, XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX,. These accounts are inaccurate and does not bomg to me. Per a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ).

If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Also per fvra 605b Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
My XXXX XXXX XXXX XXXX XXXX was paid in full XX/XX/XXXX they havent reported an update since XX/XX/XXXX and Ive disputed it as its a XXXX balance both disputes they say credit report is correct with the XXXX balance and that dispute result was today Its has caused me financial harm I had applied for XXXX credit cards and they use experian thats where XXXX XXXX isnt updating XXXX balance to so my rates on my credit cards are based on my Experian score which is XXXX points lower or more than other repositories due to the fact that the XXXX XXXX XXXX still shows XXXX balance Thats the only difference XXXX tired of asking them to fix it they refuse Its caused me stress and financial harm at this point

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 2025-04-17 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: NY

Complaint narrative:
XXXX account on my credit report XXXX, I saw a XXXX account pop up on my credit report, and honestly, Im still trying to figure out what happened with it. I didnt know it had gone to collections or turned into a problem. Its not something I was managing, and I dont think it should be on my report like that. 

Can you please take a look and remove it? 

I send u ssn + id + proof of address + ftc report for verification. 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXX, NY 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 explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Nelnet XXXX. XXXX XXXX XXXX, XXXX XXXX Subject : Formal Dispute of Student Loan Account XXXX To Whom It May Concern, I am writing to formally dispute the validity of the student loan associated with my name and the above-referenced account number. After reviewing the statement I received, I believe there are inaccuracies in the balance, payment history, and the origination of this debt. 
Pursuant to the Fair Credit Reporting Act ( FCRA ) and the Higher Education Act, I am requesting the following : XXXX. Proof of Debt Ownership Please provide a copy of the original promissory note bearing my signature, proving that I lawfully agreed to this debt. 
XXXX. Accounting of the XXXX XXXX full breakdown of the principal, interest, and fees charged, along with an explanation of how the current balance of {$34000.00} was calculated. 
XXXX. Proof of Legal Standing Documentation that Nelnet has the legal right to collect on this loan, including any assignment or transfer of the debt. 
XXXX. Validation of Payments A detailed record of all payments made toward this account, including the most recent transaction history. 
Until these documents are provided, I am disputing the accuracy and legitimacy of this loan. If you are unable to provide sufficient proof, I request that this alleged debt be removed from my account and any credit reporting agencies to which it has been reported. 
Additionally, I request that all collection activity on this account cease until the dispute is fully resolved. Please respond in writing within XXXX days of receiving this letter, as required under federal law. 
Failure to validate this debt may result in further action, including but not limited to complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and the XXXX Department of Education. 
I look forward to your prompt response. Please send all correspondence to my mailing address listed above. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation