vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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:
Due to a breach of my personal data, unauthorized accounts have been posted to my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these items 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 XXXX TX XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX  XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$170.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1000.00} Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: FL

Complaint narrative:
I discovered a collection account reported on my credit reports from XXXX XXXX  regarding an alleged debt from XXXX XXXX XXXX XXXX ( Account # XXXX ) in the amount of {$120.00}. 

I never received any original documentation regarding this debt. On XX/XX/year>, I sent a formal Debt Validation Request to the collector under FDCPA 809 ( b ) requesting proper verification. 

As of today, they have not provided any proof, and they are still reporting the debt to the credit bureaus ( Equifax, XXXX, and TransUnion ). This violates both the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. 

I am requesting that the CFPB intervene and that this unverified debt be removed from my credit reports if no valid documentation is produced.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: TX

Complaint narrative:
This morning, I discovered incorrect accounts listed on my credit report, and Im unsure of the cause. I routinely review my credit report, but this time, unexpected discrepancies appeared. I even refreshed my browser, thinking it might be a temporary glitch, but the inaccurate entries remained. Because of this, Im requesting a careful review of the documents I submitted so I can have peace of mind moving forward.

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 2025-05-27 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: IL

Complaint narrative:
I am writing to formally dispute the reporting of a XXXX0-day late payment on my student loan account serviced by Nelnet. According to the federal deferment policies implemented during the COVID-19 pandemic, my student loans were placed in forbearance, and payments were paused under extended federal relief guidelines. At no point was I notified via phone, email, or mail that this deferment had ended or that payments were due. Due to this lack of communication, I remained under the reasonable impression that my loans were still in deferment or forbearance due to financial hardship. Despite this, a 90-day delinquency was reported to the credit bureaus. I reviewed my Payment History Line, and it does not reflect any missed or late payments. The 90-day late status appears only in the Payment Status Line, which creates a discrepancy that misrepresents my account activity. Furthermore upon comparing my credit report dated XX/XX/XXXX it shows XXXX lates on the tradeline and shows current and the report pulled on XX/XX/XXXX shows a 90 day late???? How is this even possible? I have uploaded the screen shot of the tradeline on both dates and showing how it reported incorrectly. Due to this error I was not given the opportunity to resolve any payment due before it reached the 90 day late status therefore this 90 day late needs to be removed all together and report as on time payment. This may constitute a violation of the Fair Credit Reporting Act ( FCRA ), which requires that furnishers of information to credit bureaus ensure the accuracy and integrity of the data reported. Given the circumstances and the absence of any valid or communicated obligation to make payments during the period in question, and the incorrect information reported from one month to the next I respectfully request that Nelnet immediately remove the inaccurate 90-day late payment notation from my credit reports with all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: SC

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 Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-27 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: GA

Complaint narrative:
On XX/XX/year>, I submitted a formal dispute to TransUnion regarding multiple inaccurate accounts appearing on my credit report. I requested verification of the accounts and supporting documentation showing how they were validated. 

On XX/XX/year>, TransUnion responded that the accounts were verified but did not provide any documentation or details regarding how that verification was conducted. No identifying information was provided about the furnishers, no records were included, and no explanation was given about the reinvestigation process. 

According to the Fair Credit Reporting Act, I am entitled to a reasonable investigation and to receive the method of verification used. TransUnions vague verified outcome without evidence fails to meet this standard.

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 2025-05-27 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 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 non-monetary relief
Consumer complaint received 2025-05-27 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: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I have XXXX accounts on credit report from Midland Credit Management but I am referring specifically to account XXXX, I sent Midland a certified letter on XX/XX/year> asking them to send me a formal declaration to validate owe them. They did not do that all they sent was so bills that have absolutely nothing to do with them. They are most certainly in noncompliance with the Privacy of Consumer Financial Information of Gramm Leach Bliley Act for sharing my non public personal information to nonaffiliated third parties and did not provide me notice that complies with section 6803 and give me the opportunity to opt out pursuant to 15 USC 6802. Please delete this account and also account number XXXX as well if possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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:
I am writing to formally dispute the presence of unauthorized hard inquiries listed on my credit report. After reviewing my report, I found multiple inquiries from XXXX that I did not authorize, initiate, or give consent for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Earnest Inc.
State: OR

Complaint narrative:
We had an issuing with a foriegn bank account to be accepted for payment as XXXX is study aboard in XXXX. She need to use her bank account in XXXX becuase her XXXX bank account account was close due to theft. 

Also, past due of {$100.00} dollars with not provided in written form to the co-signer before being reported as requested. 

I explained the suitation to the customer service rep but she would not wave the late payment after make payment in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I opened a high Yield savings account they closed it because I transferred money from the same bank business account. 
I requested my money since a long time. 
They said sent an statement and I did. 
They said call back I did The bank said wait somebody called me. 
And I am feeling discriminated they know that I speak XXXX and I am XXXX and they dont want to give my money back. 
They are verifying and verifying and my name is display in all the accounts. 
But the money is still in the clouds. 
I need to pay my bills I had a XXXX and they refuse to give me money back. 
And it is frustrating.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-27 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: GA

Complaint narrative:
Please be advised that due to a data breach, fraudulent accounts now appear under my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these accounts 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 GA XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Last year FEMA declared my home and work area a disaster area. I requested a forbearance from my than mortgage company XXXX XXXX and they gave me 3 months of no mortgage payments. When the 3 months were up, I called XXXX XXXX to make my mortgage payment and they told me give them 30 days to come up with a payment method that would satisfy the 3 months forbearance I recieved. I waited, and after 20 days I called and they said they were still working on it, but that my mortgage is being transferred to SELECT PORTFOLIO SERVICING. I asked them for us to come to a conclusion before they transferred my mortgage to a new company. They advised me that they are both XXXX XXXX XXXX and it wasn't up to them. 
I spoke to SELECT PORTFOLIO SERVICING a few times and expressed confusion and how I didn't know the outcome of the agreement XXXX XXXX said they were working on. On XXXX the XXXX I spoke to a Supervisor at SELECT PORTFOLIO SERVICING and she said that I had up to 90 days on a recorded line and I was within those 90 days since my mortgage was transferred. She said they would send me a Mortgage Assistance Application, which they did. I made 1 month payment with them, and she ashored me that my credit wouldn't be affected because I was under the 90 days plus me filling out the form they sent me me via mail would give me protections from have any delinquencies on my credit report. I felt comfortable and relieved knowing that we were on a recorded line, and her representing the bank. Less than 10 days later I received notices from my credit monitoring service that I was more than 90 days late and it really hurted my scores. The phone call with SELECT PORTFOLIO SERVICING took place on XX/XX/XXXX on a recorded line. I would like for you guys to assist me with this matter. I am a business man and bad credit scores affect me as a person and my businesses. I would also like to recieved a transcript of that conversation with SELECT PORTFOLIO SERVICING. Please help me with this very important ordeal. Thank you very much! 
I have never missed a Mortgage payment before the storm and the forbearance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: VA

Complaint narrative:
I recently reviewed my credit report and identified an inaccuracy regarding my XXXX XXXX account. It reflects a late payment for XX/XX/year>XXXX  ; however, this payment was made on time. It is essential that consumer reporting agencies provide information that is entirely accurate. This account has consistently been paid on time and has no history of late payments. 

For your reference, I have attached a copy of my credit report dated to this complaint on XX/XX/year>. I respectfully request that you investigate and provide verifiable proof with records showing that I had a late payment. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your attention to this matter and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: VA

Complaint narrative:
I recently reviewed my credit report and identified an inaccuracy regarding my XXXX XXXX account. It reflects a late payment for XX/XX/year>XXXX  ; however, this payment was made on time. It is essential that consumer reporting agencies provide information that is entirely accurate. This account has consistently been paid on time and has no history of late payments. 

For your reference, I have attached a copy of my credit report dated to this complaint on XX/XX/year>. I respectfully request that you investigate and provide verifiable proof with records showing that I had a late payment. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your attention to this matter and prompt action.

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 2025-05-27 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: OH

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The personal information on my credit report were outdated.

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