vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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 2025-05-29 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: Cascade CISS Holdings, LLC
State: ME

Complaint narrative:
On XX/XX/2019, my wife and I went to XXXXXXXX XXXX XXXX XXXX and sat through a time share presentation for a time share. We felt extremely pressured to sign up right then. We gave them XXXX XXXX dollars and signed up. As of today we have never used any timeshare properties at all. They say that we owe them {$52000.00}. I would never known if we hadn't gone to the bank for an equity loan for our leaky basement. The loan officer showed me a credit report from Xactus showing that I owe them that amount and that foreclosure proceedings had started. We feel that we dont owe them anything as we didn't use any of their properties.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: IL

Complaint narrative:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have 15 days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

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 2025-05-29 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: AL

Complaint narrative:
I recently suffered a data breach, and as a result, fraudulent accounts have been reported under my name. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : 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 AL XXXX Please delete and block the following accounts from my credit report Accounts XX/XX/XXXX- Account Number :XX/XX/XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$130.00} Inquiries XX/XX/XXXX Date : XX/XX/XXXX XXXX XX/XX/XXXXDate : XX/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 2025-05-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I submitted a XXXX XXXX to Repayment application for federal loans taken out to attend XXXX XXXX, due to widespread misrepresentation and predatory practices. I attended XXXX during the time period covered by the XXXX v. XXXX lawsuit and am eligible for full discharge and " stopped collections '' protections. However, those Everest-related loans are still in default and active collections, and I am being denied access to my current education due to this. 

At the same time, my XXXX University loans ( which are in good standing and not part of the XXXX XXXX application ) have been incorrectly placed into administrative forbearance, disrupting my current enrollment and financial aid status. 

I have submitted documentation to the Department of Education and contacted my servicer, the Default Resolution Group, and my congressional representative. Despite this, the situation remains unresolved. 

This is urgent because I risk being removed from my current master 's program ( XXXX University ) due to the ongoing collections on loans that should have been paused or XXXX. 

I am requesting : That the XXXX loans be placed in " stopped collections '' status immediately and reviewed for full discharge under XXXX XXXX and XXXX XXXX XXXX. 

That the XXXX loans be returned to their regular repayment status so I can continue my education without unnecessary disruption

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: LoanCare, LLC
State: CA

Complaint narrative:
My mortgage was originally with XXXX XXXX  ( XXXX XXXX. XXXX ), and in XX/XX/XXXX, I completed over {$210000.00} in major renovations. In XX/XX/XXXXXXXX XXXX XXXX ordered an appraisal reflecting the updated value and officially removed PMI based on federal law ( Homeowners Protection Act, 12 USC 4902 ( d ) ). 

In XX/XX/XXXX, my loan was transferred to LoanCare ( XXXX XXXX. XXXX ). Despite XXXX XXXX sending LoanCare all the supporting documentation including the new appraisal and renovation list LoanCare has continued to charge me PMI for several months and refuses to remove it. 

They initially said they didnt have the improvement list ; XXXX XXXX re-sent it. Then they claimed PMI cant be removed within the first 2 years which is incorrect when substantial improvements and a new appraisal support removal. LoanCare is violating federal law and disregarding evidence from the prior servicer. 

I am requesting : Immediate PMI cancellation on my loan. 

Full refund of PMI payments charged since XX/XX/XXXX. 

A written confirmation of action taken. 

This situation has caused financial harm and emotional distress. LoanCare keeps changing their explanations and has not complied with federal requirements under the Homeowners Protection Act.

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 2025-05-29 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: NJ

Complaint narrative:
I am submitting this follow-up to my initial complaint regarding Equifaxs unlawful and repeated reinsertion of two XXXX accounts into my credit file ( account # XXXX and XXXX ). These accounts had already been disputed, deleted, and confirmed as inaccurate. On XX/XX/XXXX, I received a mailed letter from Equifax confirming that the accounts had been deleted. Then, on XX/XX/XXXX and XX/XX/XXXX, I received an email from the Consumer Financial Protection Bureau stating that Equifax had responded to my disputes, and their response again confirmed that the accounts had already been deleted. Despite this, these same accounts are still appearing on my credit report, with no visible update or correction, suggesting they may have been improperly reinserted without my knowledge. At no point did I receive a proper notice or certification of reinsertion as required under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii )- ( iii ). These accounts were acknowledged as inaccurate and removed, yet Equifax has allowed them to reappear without notifying me, without verifying their accuracy, and without providing any documentation proving a lawful investigation. Equifaxs actions represent a clear violation of multiple FCRA provisions, including : 15 U.S.C. 1681b lack of permissible purpose ; 15 U.S.C. 1681e ( b ) failure to ensure maximum possible accuracy ; 15 U.S.C. 1681i ( a ) ( 1 ) failure to conduct a lawful investigation. This repeated mishandling has caused me emotional distress, financial harm, and disrupted access to credit opportunities. Importantly, the CFPB has formally sued XXXX  for nearly identical misconduct, citing sham investigations, failure to properly handle consumer disputes, and improper reinsertion of previously deleted accounts. That lawsuit mirrors my own experience with Equifaxconfirming that these are not isolated incidents but rather part of a broader systemic issue among the credit reporting agencies. I have also filed a formal FTC Identity Theft Report and FTC Consumer Fraud Report, with supporting documentation including prior dispute confirmations. The reinsertionor continued presenceof these accounts contradicts XXXX own written confirmation that they were deleted and violates my rights as a consumer. I am demanding the immediate and permanent deletion of the XXXX accounts from my Equifax credit file, written confirmation that they will not be reinserted again, and full documentation of any communications or investigations conducted. I further request that the CFPB take enforcement action to hold Equifax accountable for these repeated FCRA violations, and to prevent this misconduct from continuing against other consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: IN

Complaint narrative:
I RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF MY CREDIT FILE.

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 2025-05-29 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: IN

Complaint narrative:
I RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX, and I am submitting this complaint regarding Navy Federal Credit Union ( NFCU ) and the handling of a goodwill late payment adjustment request I submitted via email. 

On XX/XX/XXXX, I emailed a goodwill adjustment letter directly to Navy Federal Credit Union XXXX  XXXX XXXX, requesting the removal of a single 30-day late payment that was reported on my credit file. The payment was due on XX/XX/XXXX, and was paid on XX/XX/XXXX. This was an isolated incident, and I have maintained a strong payment history otherwise. The late mark is significantly impacting my ability to qualify for a home mortgage, and I asked that it be removed as a one-time courtesy due to my previously positive standing. 

On XX/XX/XXXX, I received a call from Navy Federal confirming receipt of my email. I was told I would receive a formal response within 57 business days. However, no response was ever sent. 

I followed up by phone on XX/XX/XXXX, and was informed that my account had been assigned to a supervisor for review, and that I was scheduled to receive a callback. No callback was received. 

On XX/XX/XXXX, I called again to follow up and was told that my request had been escalated to a review team, but there was no estimated timeline for a decision. When I asked if I should check back in a week or two, the representative replied that should be okay, but could not provide any definitive guidance. 

This entire experience has left me feeling extremely frustrated and undervalued as a member. I have acted in good faith, taken responsibility for a one-time error, and followed up multiple times, yet I have received no resolution or meaningful communication from Navy Federal Credit Union XXXX 

I am requesting that the CFPB investigate NFCUs handling of this matter, including their lack of communication, failure to honor their own stated response time, and the absence of a clear review process. I am simply asking for a fair review of my XXXX  adjustment request and timely communication, both of which I believe are reasonable expectations. 

Thank you for your time and attention. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX XXXX XXXX Navy Federal Account Ending In : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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:
In XX/XX/XXXX, I discovered that multiple fraudulent accounts had been opened in my name without my knowledge or consent. These fraudulent accounts include : XXXX XXXX XXXXXXXX XXXX for {$890.00} ( opened XX/XX/XXXX ), XXXX XXXX XXXXXXXX XXXX for {$5700.00} ( opened XX/XX/XXXX ) and XXXX XXXX  for {$830.00} ( opened XX/XX/XXXX ) I did not open these accounts or authorize their use. When I discovered them, I immediately filed an FTC Identity Theft Report ( FTC Report Number : XXXX ) and contacted the credit bureaus Experian, Equifax, and TransUnion to have these accounts permanently deleted from my credit report. 

In addition to these fraudulent accounts, I also found fraudulent credit inquiries and personal information connected to an address that is not mine ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ). I have provided all necessary documentation, including my FTC report, to the credit bureaus and have asked them to delete these fraudulent accounts and inquiries as required by the Fair Credit Reporting Act. 

Despite my efforts, these fraudulent accounts and inquiries still remain on my credit report, causing significant stress and concern. I am requesting that the CFPB ensure these fraudulent items are removed and that my credit file is restored.

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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In XX/XX/XXXX, I discovered that multiple fraudulent accounts had been opened in my name without my knowledge or consent. These fraudulent accounts include : XXXX XXXX XXXXXXXX XXXX for {$890.00} ( opened XX/XX/XXXX ), XXXX XXXX XXXXXXXX XXXX for {$5700.00} ( opened XX/XX/XXXX ) and XXXX XXXX  for {$830.00} ( opened XX/XX/XXXX ) I did not open these accounts or authorize their use. When I discovered them, I immediately filed an FTC Identity Theft Report ( FTC Report Number : XXXX ) and contacted the credit bureaus Experian, Equifax, and TransUnion to have these accounts permanently deleted from my credit report. 

In addition to these fraudulent accounts, I also found fraudulent credit inquiries and personal information connected to an address that is not mine ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ). I have provided all necessary documentation, including my FTC report, to the credit bureaus and have asked them to delete these fraudulent accounts and inquiries as required by the Fair Credit Reporting Act. 

Despite my efforts, these fraudulent accounts and inquiries still remain on my credit report, causing significant stress and concern. I am requesting that the CFPB ensure these fraudulent items are removed and that my credit file is restored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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 submitting this complaint because an account reported by XXXX XXXX XXXX XXXX contains inaccurate and harmful information on my credit report. 

The account shows multiple late payments ( 30, 60, and 90 days ) that I believe are inaccurate and do not truthfully reflect my credit behavior, which is unfairly damaging my credit score and overall financial standing.

I filed a formal dispute with Experian, TransUnion y Equifax requesting the removal of this information, but the matter was not properly investigated. The account continues to be reported as delinquent without providing me with valid evidence or documentation to support this negative reporting. I believe this is a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

I respectfully ask the CFPB to intervene and ensure that a fair, thorough, and documented investigation is conducted, and that this inaccurate information is permanently removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: SC

Complaint narrative:
I am a victim of human XXXX  of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MARINER FINANCE, LLC
State: TX

Complaint narrative:
I submitted a good-faith settlement offer to Mariner Finance in an attempt to resolve a charged-off installment loan account that originated in 2021. The account has a reported balance of approximately {$5000.00}. I am a 100 % XXXX XXXX XXXX veteran and a Texas resident, meaning my income and assets are fully exempt from collection under Texas Property Code 42.00142.0021.

Mariner Finance responded to my offer by stating that their proposal was final and that they would not alter or delete any information they believe to be accurate. However, my offer included two lawful and reasonable resolution options : Full deletion of the tradeline in exchange for payment, or Update to paid in full with no reference to charge-off or settlement Neither of these options violates the Fair Credit Reporting Act ( FCRA ), nor does it constitute inaccurate reporting if done voluntarily as part of a negotiated resolution. Mariner is using compliance as a justification for inflexibility, when in reality, the FCRA does not prohibit creditors from deleting or modifying tradelines to reflect a positive resolutionespecially in the case of voluntary agreements.

Furthermore, Mariner has continued to report the account monthly with ongoing 120+ day late notations after it was charged off, which could be considered misleading and a potential FCRA violation under 623 ( a ) ( 1 ) and 605 ( c ). They also failed to provide a clear Date of First Delinquency ( DOFD ), which is required under 623 ( a ) ( 5 ).

Their unwillingness to engage in reasonable negotiation and their rigid policy of denying all settlement options with consumer benefit shows a clear lack of good faith, particularly when I am offering a partial recovery on a legally uncollectible debt. Their actions not only harm consumers like me working to rebuild credit but also contradict the spirit of FCRA compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: WA

Complaint narrative:
I am submitting this attachment as part of my formal dispute regarding inaccuracies found on my credit report. Please find below a detailed account of the discrepancies related to my names, addresses, and credit inquiries that require correction. 
1. Incorrect Addresses : The following addresses appear on my credit report that are either outdated or not linked to me : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses do not correspond to my current or previous residences. 
My correct address is : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief