vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 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.

Complaint narrative:
If you look at the documents I submitted you said in the previous complaint that its verified but I sent screenshots of all the inaccurate information on my credit report and you fail to remove the account or correctly verify. At this point I need the account removed. Going forward Ill be hiring an attorney and also be involving the CFPB because you closed out the case without giving me a chance to respond. The CFPB I thought was responsible for holding the companies liable for the wrong information on the report. There are accounts that I dont even think are mine yet the companies are saying they are without proper verification or even contacting the original creditors or debt collectors for the Original signed contract, bill of sale, chain of title, chain of assignment, forward flow agreement, and a list of all charges that you claim I owe. Your are violating laws 15 USC 1681i, CFR 1022.123, 15 USC 1681s2b, and the list goes on. You have the debt as charged off yet the accounts are still labelled as opened, yet you claim you did a proper investigation but there is no specified date of verification. How is this legal, guess what its not. At the very least you couldve updated my address and you didnt even do that yet you send correspondence to my correct address, none of this makes any since.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: 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 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 2025-05-15 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-15 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: 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! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-15 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: 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! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: MA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: FL

Complaint narrative:
This is a formal joint complaint against XXXX XXXX XXXX, LexisNexis Risk Solutions, and XXXX XXXXor their collective failure to investigate, correct, or coordinate the resolution of multiple inaccurate credit and public record entries, in direct violation of the Fair Credit Reporting Act ( FCRA ) 1681i, 1681e ( b ), and 1681s-2 ( b ). 

Between XX/XX/XXXX and XX/XX/XXXX, I submitted XXXX complete rounds of disputes to the credit bureaus and LexisNexis. The following accounts remain inaccurate or unverifiable : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Despite multiple efforts, each credit bureau has either provided no resolution or referred blame to LexisNexis. Meanwhile, LexisNexis has responded that they are awaiting replies from the credit bureaus, resulting in a clear systemic breakdown. No resolution has been achieved. 

In addition, my LexisNexis file contains a Civil Court record allegedly from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LexisNexis has failed to provide a docket number, outcome, or documentation verifying the accuracy of this record. This entry appears to be unvalidated and may be erroneous. I am requesting LexisNexis provide the exact source and justification for this public record. If unverifiable, it must be removed. 

As a direct consequence of this inaccurate data, I was denied housing on XXXX XXXX XXXX XXXX XXXX XXXX The leasing XXXX confirmed the decision was based on information pulled by XXXX, which sources its data from LexisNexis. I attach proof of denial and refund confirmation. 

XXXX XXXX XXXX Attached : - Round XXXX dispute package with full documentation - LexisNexis response letters - Screenshot of housing denial - ID and proof of address - Copy of civil court listing from LexisNexis XXXX XXXX XXXX Requested action : XXXX. Compel each entity to complete full verification or removal of disputed data. 
XXXX. Investigate the flow of public record data between LexisNexis and the credit bureaus. 
XXXX. Enforce a reinvestigation under FCRA standards. 
XXXX. Require XXXX to disclose source attribution for housing denial screenings. 

This breakdown has resulted in material and emotional harm and must be addressed with urgency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: UT

Complaint narrative:
The government was supposed to get to the forbearance faster, but it was accepted on XX/XX/year> and they sent the notices of the payments not being made on XX/XX/XXXX and XX/XX/XXXX, but the letter they have says that it has been more than XXXX days than they should have replied. I would like for this to be cleared please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I called today to CitiBank and spoke to XXXX, she told me she was a supervisor and she said group number XXXX. I was calling on reference to my old account : XXXX, because I filed for a Chapter XXXX and it looks like they haven't update the account status because I can't open an account online. She told me she spoke to XXXX different departments and they didn't have information on this so that I need to go to a branch. It looks like she didn't know what she was doing and she called incorrect departments. This is happening now days with these banks and other institutions that their call centers are not in the US and can't do their jobs and also they get mad at us the customers.

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 2025-05-15 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: NY

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: FL

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 explanation
Consumer complaint received 2025-05-15 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: NY

Complaint narrative:
I, XXXX XXXX XXXX, am writing to formally lodge a complaint against the three major consumer reporting agencies : - XXXX, TransUnion and XXXX  for their and unlawful use and distribution of my consumer credit report in violation of the Fair Credit Reporting Act ( FCRA ), codified at 15 USC subsection 1681-1681x and related provisions of the Gramm-Leach-Bliley Act ( GLBA ) and Fair and Accurate Credit Transaction Act ( FACTA ). 
Nature of Complaint : - The aforementioned agencies have accessed, complied, retained and/or disseminated my personal credit information without my informed consent or permissible purpose as defined under 15USC subsection 1681b. I have reasons to believe my credit file has been disclosed to third parties-including unlawful debt collectors, financial institutions, and unauthorized entities.

Violations Cited : -15 USC subsection 1681b ( Permissible Purpose of Consumer Report ). These agencies have willfully and/or negligently furnished my credit report to entities without any legitimate business need or my express authorization.

15USC subsection 1681e ( a ) Maintenance of reasonable procedures : -The agencies have failed to maintain procedures to ensure that my consumer report is only provided for Lawful purposes.

15USC subsections 1681n 1681o Civil Liability for Willful or Negligent Noncompliance. Due to these agencies repeated noncompliance and failure to respond to prior notices and disputes, I reserve the right to seek statutory damages, punitive damages, costs, and attorney 's fees as outlined under these sections. As per GLBA and FACTA : - I further assert that my nonpublic personal information may have been shared or sold in violation of my privacy rights under 15USC subsection 6801-6809 ( GLBA and FACTA, without a clearly presented opt-out mechanism or my informed consent.

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 2025-05-15 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: NY

Complaint narrative:
I, XXXX XXXX XXXX, am writing to formally lodge a complaint against the three major consumer reporting agencies : - Experian, XXXX XXXX XXXX  for their and unlawful use and distribution of my consumer credit report in violation of the Fair Credit Reporting Act ( FCRA ), codified at 15 USC subsection 1681-1681x and related provisions of the Gramm-Leach-Bliley Act ( GLBA ) and Fair and Accurate Credit Transaction Act ( FACTA ).

Nature of Complaint : - The aforementioned agencies have accessed, complied, retained and/or disseminated my personal credit information without my informed consent or permissible purpose as defined under 15USC subsection 1681b. I have reasons to believe my credit file has been disclosed to third parties-including unlawful debt collectors, financial institutions, and unauthorized entities.

Violations Cited : -15 USC subsection 1681b ( Permissible Purpose of Consumer Report ). These agencies have willfully and/or negligently furnished my credit report to entities without any legitimate business need or my express authorization.

15USC subsection 1681e ( a ) Maintenance of reasonable procedures : -The agencies have failed to maintain procedures to ensure that my consumer report is only provided for Lawful purposes.

15USC subsections 1681n 1681o Civil Liability for Willful or Negligent Noncompliance. Due to these agencies repeated noncompliance and failure to respond to prior notices and disputes, I reserve the right to seek statutory damages, punitive damages, costs, and attorney 's fees as outlined under these sections. As per GLBA and FACTA : - I further assert that my nonpublic personal information may have been shared or sold in violation of my privacy rights under 15USC subsection 6801-6809 ( GLBA and FACTA, without a clearly presented opt-out mechanism or my informed consent.

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 2025-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
First thing I explicitly and adamantly demanded that automatic payments continue after the fires. SPS Servicing stopped taking out payments without my consent. Then demanded a balloon payment despite governors moretorium it has been a nightmare dealing with SPS Servicing. They now reported me late to all credit bureaus even though I continued with regular payments per moretorium which states we do not have to make balloon payments!!! They still reported me late despite requesting assistance and are trying to stronghold me into paying the balloon payment by reporting me late to credit bureaus though I set up regular payments for my mortgage

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Weber & Olcese, PLC
State: GA

Complaint narrative:
Weber and Olcese recieved my full payment for my outstanding debt on XX/XX/XXXX. It processed on XX/XX/XXXX. Despite this, my income is still being garnished. I asked the office repeatedly for a timeline for the notice that my account was closed to be sent to the court, and they refused to answer me. They are still actively garnishing my wages ( XXXX a month ) and this is impacting my other finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-15 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:
Upon reviewing my credit report, I found several accounts that I do not recognize and that do not belong to me. I am extremely distressed and concerned, as I have never opened these accounts and I fear I may have been a victim of fraud. This situation is causing me a great deal of XXXX and is directly affecting my financial security. I urgently request that these fraudulent accounts be BLOCKED and REMOVED from my credit history, as they are unfairly damaging my credit and peace of mind. 
The fraudulent accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-15 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: NY

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-05-15 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: GA

Complaint narrative:
TransUnion has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate information unresolved. TransUnion has not removed the disputed inquires below which was not authorized by me and I don't have any knowledge of them. i am requesting immediate removal of this inquires as TransUnion in action violates federal laws and my right as a consumer the inquires is as follow on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation