vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Dear CFPB, I am submitting this complaint to report a violation of the Fair Credit Reporting Act ( FCRA ) by Experian. 

Experian continues to report a XXXX  XXXX bankruptcy dated XXXX XXXX, 2016, on my credit file. I formally disputed this entry, but Experian responded by stating that the information was certified as accurate and has chosen to continue reporting it. However, Experian has not provided any verifiable documentation from the original source. 

To verify the legitimacy of the bankruptcy reporting, I contacted the U.S. Bankruptcy Court for the District of Maryland. I obtained an official letter that explicitly states : The United States Bankruptcy Court does not report any information to the credit bureaus and is not responsible for verifying or validating information from consumers credit files. 

This proves that Experian could not have verified the bankruptcy directly with the original furnisher, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Under the FCRA, if a credit reporting agency can not properly verify disputed information, it must delete the item. 

Additionally, XXXX a third-party public records vendor conducted an independent investigation through PACER ( Public Access to Court Electronic Records ) and deleted the bankruptcy from their records due to lack of verifiable data. 

Despite clear evidence that the bankruptcy is unverifiable, Experian continues to falsely report it and claims it has been verified, in violation of my consumer rights under the FCRA. 

Attachments included with this complaint : Official letter from the U.S. Bankruptcy Court ( District of Maryland ) confirming it does not furnish or verify data to credit bureaus. 
Deletion notification from XXXX following their PACER investigation. 
Copy of my government-issued ID for identity verification. 

I respectfully request that the CFPB investigate this matter and require Experian to immediately delete the unverifiable bankruptcy from my credit file, in accordance with the FCRA. 

Thank you for your prompt attention and assistance in this matter. 

Sincerely, 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 2025-04-28 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: IL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that to disclose my personal information, you have to have my written consent, making you liable for any remedy under the 15 U.S.C. Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report, I noticed your office again violated my privacy. Under 15 USC 1681 ( a ) ( 4 ).

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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: LA

Complaint narrative:
I am filing this formal complaint regarding the inaccurate reporting by TransUnion, Experian, and Equifax concerning an educational installment account listed under USDOE/GLELSI.

Summary of Inaccuracies : The account status is incorrectly listed as Closed or Transferred, despite a zero balance, no past due amounts, and no active debt obligation.

Dispute resolved consumer disagrees comments remain improperly listed, despite the bureaus obligation under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) to promptly delete or correct information that can not be verified.

The High Credit limit of {$18000.00} is irrelevant given the {$0.00} balance, creating a misleading impression of an outstanding obligation. 
Reporting inaccurate or unverifiable information after repeated disputes violates 15 U.S.C. 1681e ( b ), requiring maximum possible accuracy, and 15 U.S.C. 1692e ( 8 ) under the FDCPA, which prohibits communicating false credit information.

Violations Cited : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ) Failure to maintain maximum accuracy. 
FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Failure to correct or delete unverifiable information.

Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e ( 8 ) Communicating false credit information.

FTC guidance Agencies must cease reporting disputed information if it can not be verified as accurate within a reasonable time.

Impact on Me : This incorrect reporting is damaging my credit reputation and adversely affecting my ability to obtain financing and favorable credit terms. 


Thank you for your prompt attention to this matter. I reserve my rights to seek arbitration or legal remedies if the violations are not rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
TransUnion is reporting unauthorized or unverifiable hard inquiries from XXXX XXXX dated XXXX/2024 and XXXX/2024. I did not authorize these inquiries, nor was I provided any notice or disclosure explaining a permissible purpose. Reporting inquiries without documented consumer consent or lawful justification violates 15 USC 1681b, and TransUnion has failed to validate the legitimacy of these entries during prior 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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-04-28 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: PA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite mu submissions, Equifax consistently responds within XXXX week or so stating the accounts are accurate without providing any evidence of a thorough investigation. XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX accounts that I have marked as inaccurate. 

REASONS : I would like the following collection accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 


This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. According to the FAIR CREDIT REPORTING ACT, SECTION 609A1A, you are required by federal law to verify through physical verification of the original signed contract, any and all accounts that you post on credit report. Otherwise, anyone paying you for your debt is probably fraudulent. I demand to see verified proof. If you fail to validate, REMOVE ACCOUNTS IMMEDIATELY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently checked my credit reports and noticed billing errors, incomplete, and inaccurate information. You are in serious violation of the United States Code Law ( TILA ) 15 U.S. Code 1666 ( b ), billing error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: TN

Complaint narrative:
TransUnion, XXXX, and XXXX are inaccurately reporting a late payment for XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX with a reported past due balance of {$0.00}. It is misleading and unlawful to report a late payment on an account that shows no past due balance, as it suggests delinquency where none exists. I have previously disputed this information, but the bureaus have failed to provide any verifiable proof of an actual late payment or evidence that billing and reporting practices complied with 15 USC 1666b. Reporting such misinformation without sufficient verification violates both 15 USC 1681i and 15 USC 1681e ( b ).

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 2025-04-28 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: TN

Complaint narrative:
Experian is reporting an outdated and inaccurate previous address : XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX, reported as of XX/XX/year>. I have not lived at this address for an extended period, and it no longer reflects my true and current residence. Continuing to report incorrect personal information violates 15 USC 1681e ( b ), which requires credit bureaus to maintain the maximum possible accuracy of consumer data.

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 2025-04-28 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: GA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting

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 2025-04-28 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: GA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-04-28 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: NJ

Complaint narrative:
I value my credit a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. I want my credit report to only reflect accurate information, which is why its important all data is verified. These inaccurate items are in pending litigation due to reporting errors on my report. Because they are in a pending litigation, you will not be able to verify what the disputed errors are and therefore these items need to be deleted under 15 U.S. Code 1681i ( a ).

Additionally, I am also writing to request the correction of inaccurate personal information on my credit report as I've noticed that these errors may have contributed to the issues with my credit applications, which is extremely frustrating.

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 2025-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I made a payment through PayPal for an item that I never received. I contacted PayPal multiple times, provided all requested documents including police report and carrier confirmation, but my dispute was unfairly denied multiple times without proper investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
I am a veteran with a VA-backed home loan serviced by PennyMac Loan Services . Despite an active hardship request and loss mitigation review, PennyMac has scheduled a foreclosure sale for XX/XX/2025 less than 7 days away. 

This violates 12 CFR 1024.41 ( dual tracking protections ), which prohibit foreclosure actions while a complete loss mitigation application is under review. PennyMac also added foreclosure-related fees during this period, another violation. 

I proposed a repayment plan which PennyMac ignored, offering only an 8 % modification without exploring available VA hardship options. PennyMac refuses to confirm a foreclosure hold in writing. My assigned VA Loan Technician has failed to initiate a review or escalate the mishandling, contrary to 38 CFR 36.4315. 

I am requesting urgent CFPB intervention to immediately halt the foreclosure, enforce proper loss mitigation handling, and open a regulatory investigation into PennyMac 's practices. Immediate action is needed to prevent irreversible harm. 

Supporting documents are available and can be provided immediately upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: NY

Complaint narrative:
I value my credit the same as everyone else 's which is why I'm really concerned about the mistakes I saw on my credit report. These errors are causing me a lot of XXXX  and its affecting everything, from loan options to higher interest rates, to my ability to get new credit. I've worked hard to build my credit, and it is disheartening to know that my rights as a consumer is being violated. I need you to make sure all this information is 100 % correct and I went them done ASAP. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. 

Additionally, I am also writing to request the correction of inaccurate personal information on my credit report as I've noticed that these errors may have contributed to the issues with my credit applications, which is extremely frustrating.

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 2025-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: FL

Complaint narrative:
I received XXXX texts from Chime saying purchases were attempting to be made, asking if it was me. I replied no and was called immediately ( without providing my phone number ). A man introduced himself as a Chime representative and instructions were given to me how I needed to protect my funds. I was told to transfer to a secure number that I was given. Even asked me if I had any funds available in " XXXX XXXX '' which allows you to get an advance from your next paycheck. I transferred the funds as instructed and was told that I would receive an immediate confirmation call. I never received it and all my money is gone. I immediately called Chime and filed a dispute which they denied in less than XXXX hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: Terrill Outsourcing Group
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XX/XX/year> XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX [ XXXX  ], I am reaching out to challenge an inconsistency identified in the " PAYMENT HISTORY '' section of my credit report, specifically in relation to the following account that has been charged off : Account Name : [ XXXX Account Number : XXXX XXXX ] Upon review, I have observed that this account is reported as charged off although never received a validation letter of sold account or remittance of XXXX even though it was charged off from the lender. This constitutes a direct breach of the Fair Credit Reporting Act ( FCRA ) as it inaccurately influences the statute of limitations. 

Under the Fair Credit Reporting Act, Metro 2 Compliance Guidelines, and other pertinent Consumer Protection Laws, I, as a consumer, hold the right to have accurate, current, and complete information on my credit report. I trust that all reporting agencies, including yours, abide by these obligations. 

Due to this apparent oversight, I insist on the immediate removal or " DELETION '' of this incorrect information from my credit report. Please provide me with a revised copy of my credit report once this correction has been made. 

I appreciate your prompt attention to this crucial matter. 

Yours sincerely, XXXX XXXX

Company response to consumer: Closed with explanation