vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX that I didn't authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX that I didn't authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-09-10 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:
This matter is causing me significant distress and disrupting my sleep. Given my consistent record of on-time payments, I respectfully request an immediate update to my account to resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: FL

Complaint narrative:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance. 

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting. 

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law. 

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

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 2025-09-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CCF Intermediate Holdings LLC
State: MS

Complaint narrative:
Its a company named XXXX XXXX XXXX claim that I owe Check Into Cash {$1000.00}. Check Into Cash filed a civil lawsuit against me. That I borrowed {$500.00} from them and never paid them. It came to {$1000.00} due to late fees and interest. The company is suing me for {$3000.00} and if I dont pay them by the end of day. Theyre sending my paperwork to my home town court house I can settle out of court for a payment of {$250.00}. When I asked them to email me what Check Into Cash sent them. They said they couldnt. I should received the letters and email from them. They refused to send me any information. Not only that they named a XXXX XXXX XXXX XXXX federal credit union that I supposedly bank with. I have never heard of that company before in my life. I have never dealt with a credit union by that name. I took it upon myself to call Check Into Cash and I dont owe them any money at all. So I called the so-called debt company back. They wouldnt answer the phone. When they did answer and I asked to speak to a lady named XXXX that suppose to be over my case. She would hang the phone up. When I left a message stating that I contacted Check Into Cash. They finally called back. Saying that I need to get a corresponding letter from Check Into Cash stating that I dont owe them. Not only that URS sent me documents to set up payment plans. The thing is they wouldnt set it up unless I gave them my credit/debit card information. I didnt give them any information. The email had XXXX XXXX. I asked d them about that they claim its the supervisor name, and they have to put her name. I XXXX XXXXXXXX XXXX and it sent me to XXXX and to you all. When I looked up XXXX on XXXX the symbols are not the same. I called the number and sent right back to the people that are trying to scam me. What do I need to do? They claim theyre suing me for {$3000.00}. This company is not even on my credit report. I have never received any letters or emails. Plus, Check Into Cash informed me that I do not owe them money. The file ID thats on the document is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: NVR INC.
State: SC

Complaint narrative:
We are seeking seeking CFPB assistance on concerns regarding NVR Mortgage, a subsidiary of XXXX XXXX that is currently derailing our upcoming close on XX/XX/XXXX. 

On XX/XX/XXXX, we signed a contract to purchase XXXX XXXX XXXX XXXX in the XXXX XXXX XXXX  in XXXX, SC, with an original XX/XX/XXXX closing date. We opted to use NVR Mortgage primarily due to the $ XXXX closing cost incentives. 

On XX/XX/XXXX, we encountered an issue with our downpayment gift, which required us to postpone the closing date to the end of XXXX. XXXX XXXX agreed to this and revised the closing date to XX/XX/XXXX. 

Only on XX/XX/XXXX did our mortgage officer XXXX XXXX inform us that we would be forced to renew our XXXX expired 6.625 % rate lock ( bought down already at a cost {$6400.00} in points and be also subjected to a {$1100.00} extension fee. 

After consulting with several loan officers, we learned that standard industry practice after a rate lock expiration is to have an updated prevailing rate without cost or extend the original rate for a fee. They noted NVR 's forced re-lock agreement at the same or a higher ratewith a possible extension feedoes not align with standard mortgage practices. We were advised that this policy is atypical and were encouraged to escalate our concerns to NVR management and/ or regulatory authorities like SC BOFI and CFPB. 

Our loan officer also did not informed of the South Carolina State Housing First-Time Homebuyer Program , which offers a significantly lower rate of 4.875 %. This omissi

on raises concerns about NVR 's fiduciary duty to act in our best interest. =

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: FL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX To : XXXX XXXX XXXX XXXX \ [ Insert their address here check your statement or official correspondence ] * * Re : Installment Account Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NOTICE TO CREDIT FURNISHER * * I am writing to formally dispute and request validation of the above-referenced installment account, which appears on my credit report. This letter is being sent pursuant to my rights under the * * Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) * * and the * * Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ) * *, where applicable. 

As the furnisher of information to consumer reporting agencies, you are required under * * 15 U.S.C. 1681s-2 ( a ) * * to ensure the accuracy and completeness of any information you report. At this time, I am requesting that you : 1. * * Validate this account in full * * including a signed contract, full accounting of the debt, payment history, and all documents bearing my signature.

2. * * Verify the accuracy of all information * * you have reported to Equifax, XXXX, and TransUnion.

3. * * Delete or correct any information * * that can not be fully substantiated with proper documentation. 

If you are unable to validate this account within the timeframes required by law, you must immediately remove the tradeline from all consumer reporting agencies. Continued reporting of unverifiable information is a violation of federal law and may result in legal action.

Please provide a written response to this request within * * 30 days * * of receipt of this letter. 

Thank you for your prompt attention. 

Sincerely,

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 2025-09-10 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 reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: CA

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity theft, and my personal information was exposed in multiple data breaches involving Equifax, Experian, and TransUnion. As a result, fraudulent accounts and unauthorized hard inquiries were added to my credit reports without my knowledge or consent. 

I submitted official FTC Identity Theft Reports, my government-issued ID, proof of address, and formal written disputes under FCRA 605B, which requires these bureaus to block and delete fraudulent information within 4 business days. Despite complying with all requirements, the bureaus failed to delete the false accounts and inquiries, leaving me vulnerable to further harm. 

This continued reporting of fraudulent data after valid identity theft documentation has been submitted is a direct violation of FCRA 605B, as well as 616 and 617 regarding willful and negligent noncompliance. I have suffered financial and emotional damage due to their inaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: MN

Complaint narrative:
Good Afternoon, First and foremost, if you are viewing this email, THANK-YOU for your time! I understand how valuable your time is so I'll keep this short... 

My name is XXXX XXXX, I have a two student loan XXXX account with Nelnet. 
Ive always considered it a priority to make all my payments on time and also extremely important to me that all my DEBT private or public is to be PAID IN FULL in this lifetime as I'm a very religious person. Unfortunately, I fell short of my own standards earlier back in XX/XX/XXXX when both my parent unexpectedly passed away from a drunk driver that happen to crash into them. Having receiving this new from the police that both of my parent didn't make it, it torn my world apart. I didn't have the money for the funeral and no longer have the support of my parent, which cause me to drop out of college and having to bear the pain of my parent passing, worrying where to get the money for the funeral and how am I going to move forward made me forget to login online and make the payment, which I did as soon as I know it was late as I was no longer attending class due to unexpected passing of my parents. I realize in retrospect that I should have anticipated that anything can happen in life and should have know better. Which I did upon making those late payments. Thinking to that moment, I wish I had taken a moment to just take care after myself better, I was a mass at the time. That was a big mistake, and I can assure you it wont happen again. Your records will show that I had never been late with a payment until this unfortunate oversight and have never been late since. I have been prompt with all past monthly payments since getting caught up and FULLY PAID IT IN FULL ON XX/XX/XXXX. Due to these four old late payment on my two Nelnet account XXXX, I am unable to secure a mortgage using my VA Home loan and I'm desperate to get it removed, hence I'm sending this email. I respectfully request that you apply a goodwill adjustment to remove the late payment from my file. It would REALLY make my day! 

Thank you very much for your consideration and also Thank you for taking your time to read this email. 

Account XXXX Late from XXXX to XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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 implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-09-10 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 sincerely urge you to expunge this entry from my credit report as it is not linked to me and is clearly fraudulent. I kindly request a thorough investigation and prompt correction of this inaccuracy in my credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to formally dispute continued inaccuracies related to billing errors on my credit report. Upon reviewing my most recent report, I observed that certain account still reflect information that does not accurately represent my payment history. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1666, which grants consumers the right to dispute and correct billing errors, and I request a comprehensive reinvestigation of the following account : XXXX XXXXXXXX XXXX XXXX Balance Owed : {$15000.00}

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 2025-09-10 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: NC

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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: TX

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-09-10 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: TX

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-09-10 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: CA

Complaint narrative:
I am a victim of identity theft, and my personally identifiable information was leaked in the TransUnion data breach. I received formal notice from TransUnion confirming that my full name, Social Security number, and date of birth were compromised. 

As a result of this breach, numerous fraudulent accounts were opened in my name and unauthorized hard inquiries were made without my consent. These include accounts from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and others all of which I have disputed under FCRA 605B. 

I submitted two valid FTC Identity Theft Reports, a copy of my government-issued ID, and a recent utility bill as proof of address. Despite providing everything required by law, these credit bureaus have continued to report fraudulent information on my credit report. 

I am now suffering financial and emotional harm due to the continued presence of these false accounts and inquiries. This is a clear violation of the Fair Credit Reporting Act, specifically FCRA 605B, 616, and 617.

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 2025-09-10 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 reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST NATIONAL BANK OF OMAHA
State: NE

Complaint narrative:
There was a charge on my checking account on XX/XX/XXXX for {$140.00} & {$38.00} which I didnt make any purchase. I contacted the bank they said it could take 90 days to resolve / Name on account 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