vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-11 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: TX

Complaint narrative:
I am writing to follow up on a formal dispute letter I sent on XX/XX/year>, regarding XXXX accounts ( XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX ) currently reporting on my credit file. These accounts were flagged as unauthorized and are directly connected to the Equifax data breach, for which I have provided supporting documentation. I have attached a copy of the original dispute letter ( dated and time-stamped ) along with the data breach claim for your review. 

Despite my clear request, you failed to provide any explanation or evidence of your method of verification, which is a direct violation of your duty under the Fair Credit Reporting Act ( FCRA ) to ensure maximum possible accuracy. XXXX XXXX XXXX established that a consumer reporting agency must go beyond a superficial review and conduct a reasonable investigation when a consumer disputes information on their report. Your lack of response or meaningful investigation demonstrates a clear disregard for this legal precedent. 

Furthermore, in my original letter, I stated that if these accounts were not removed within 30 days, I would pursue legal action. It has now been XXXX months since that letter was sent, and the disputed accounts remain on my report without proper verification or justification. Your failure to act in good faith has left me no choice but to seek monetary relief through legal avenues for violations of the FCRA, including but not limited to negligent and willful noncompliance.

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 2025-04-11 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 am writing to follow up on a formal dispute letter I sent on XX/XX/year>, regarding XXXX accounts ( XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX ) currently reporting on my credit file. These accounts were flagged as unauthorized and are directly connected to the Equifax data breach, for which I have provided supporting documentation. I have attached a copy of the original dispute letter ( dated and time-stamped ) along with the data breach claim for your review. 

Despite my clear request, you failed to provide any explanation or evidence of your method of verification, which is a direct violation of your duty under the Fair Credit Reporting Act ( FCRA ) to ensure maximum possible accuracy. XXXX XXXX XXXX established that a consumer reporting agency must go beyond a superficial review and conduct a reasonable investigation when a consumer disputes information on their report. Your lack of response or meaningful investigation demonstrates a clear disregard for this legal precedent. 

Furthermore, in my original letter, I stated that if these accounts were not removed within 30 days, I would pursue legal action. It has now been XXXX months since that letter was sent, and the disputed accounts remain on my report without proper verification or justification. Your failure to act in good faith has left me no choice but to seek monetary relief through legal avenues for violations of the FCRA, including but not limited to negligent and willful noncompliance.

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 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
pay for Experian membership monthly especially since i was part of the XXXX leak. I have. no up to date credit score or report available since XXXX sent a letter via certified mail requesting certain accounts be verified due to inaccuracies. it was signed XX/XX/XXXX. Today, XX/XX/XXXX, I still haven't received any response via mail as requested per letter that was signed XX/XX/year>. I called to speak with Representive on XX/XX/year> and was told by XXXX the Specialist that they didn't have to verify it with me. i ask to speak with his supervisor in which he refused.

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 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Northstar Location Services, LLC
State: SC

Complaint narrative:
Theyre reporting inaccurate information to the credit bureau and I have proof. Ive tried calling and getting it fixed but they kept transferring my calls to other people.Since the information is inaccurate and they refused to updated then decided to send it to a collections company with inaccurate data, I want it removed off my credit reports immediately. Theyre trying to collect a payment thats inaccurate and refuse to make it accurate. This has to be illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: Nelnet, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XX/XX/XXXX U.S. Department of Education XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute Regarding Unauthorized Disclosure of Personal Data to XXXX  To Whom It May Concern, Based on the recent developments concerning the Department of Educations ( ED ) sharing of sensitive student data with the XXXX XXXX XXXX XXXX XXXX XXXX ), I wish to formally dispute the handling of my personal information. I am writing to formally dispute the unauthorized disclosure of my personal and financial information by the Department of Education ( ED ) to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As a federal student loan borrower, I am deeply concerned about reports indicating that ED granted XXXX access to sensitive data, including Social Security numbers, financial records, and citizenship information, without obtaining proper consent from affected individuals. 
This action appears to contravene the Privacy Act of 1974, which mandates that federal agencies must obtain consent before sharing personal information with other entitiesXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ( XXXX ) has filed a lawsuit alleging that EDs actions constitute a significant breach of privacy rights. 

I request the following actions : 1. Immediate Cessation of Data Sharing : Cease any further sharing of my personal and financial information with XXXX XXXXr any other unauthorized entities. 
2. Detailed Accounting : Provide a comprehensive account of what specific information has been shared, the dates of such disclosures, and the purposes for which the data was accessed.

3. Data Deletion Confirmation : Obtain and provide confirmation that XXXX has deleted any of my personal data it may have received.

4. Preventive Measures : Implement measures to ensure that such unauthorized disclosures do not occur in the future, including reviewing and updating data-sharing policies and protocols.

Please acknowledge receipt of this letter and provide a written response within 30 days, as stipulated by federal regulations. Failure to address this matter adequately may compel me to seek further action, including lodging a formal complaint with the Office of Inspector General and pursuing legal remedies. 


Sincerely, [ Your Full Name ] XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
TransUnion has failed to respond adequately to my dispute, and I am formally notifying you that your response is not compliant with the Fair Credit Reporting Act ( FCRA ). 

I have repeatedly requested the exact method of verification used to confirm the validity of the disputed collection accounts reported on my credit file. Your refusal to provide this information or to even acknowledge the specific nature of my request is unacceptable and a violation of my rights as a consumer under federal law. 

Let me be clear : simply stating that a data furnisher verified the item is not verification. I am demanding the following : What information was used to verify the account? 

What documents were provided? 

What was the actual process or method of verification? 

Who at TransUnion reviewed the documents, and how was the determination made? 

If the only action youve taken is to ask the furnisher if they still claim the debt is valid, that is not a reinvestigation. That is regurgitating disputed data without evidence and it is unlawful.

Under FCRA 611 ( a ) ( 5 ) ( A ), any information that can not be verified must be promptly deleted. If you can not or will not provide the exact method of verification including actual evidence from the furnisher you are required to remove these items from my file. Continuing to report unverifiable data is grounds for legal action under FCRA 616 and 617, including for willful noncompliance. 

This is not a request this is a formal demand. Either provide the full method of verification, including supporting documentation, or remove all disputed items immediately. Your failure to comply will be documented and may result in legal escalation for damages.

You are now on record. I expect full compliance with the law, not a recycled template response that avoids accountability.

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 2025-04-11 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: MO

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 non-monetary relief
Consumer complaint received 2025-04-11 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: United Shore Financial Services, LLC
State: AZ

Complaint narrative:
I have a loan with United Wholesale Mortgage. I have not been able to reach ANYONE from customer service I had an insurance rep call me with the same problem trying to reach them They do not answer the phone and do not acknowledge even having my loan, and however long i try or whatever phone number i try reaching customer service on it just does not go through.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am writing to formally file a complaint regarding being charged for multiple overdraft fees to my account. These fees were assessed despite having sufficient funds available at the time transactions were authorized. However, due to delayed posting of charges and credits I was unfairly charged multiple overdraft fees. This issue appears consistent with recent findings by the CFPB which identified similar practices by navy federal credit union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these actions are deceptive and unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: MicroBilt / PRBC (formerly CL Verify)
State: GA

Complaint narrative:
Oh my arrest records there's addresses counties saying that I was arrested in and I have not been I have not ever lived in those counties never even been to those counties One was in XXXX XXXX I think XXXX one was in XXXX one was in XXXX XXXXXXXX XXXX  all the I don't never been arrested or had any accident anything going on in any of those counties someone else has done that to me also I want to put a freeze on my account freeze on my credit report freeze on my personal data where people nobody can pull up my data I want to freeze my identity I guess you could say

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 2025-04-11 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: GA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-04-11 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-04-11 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:
Im writing regarding a collection account that recently appeared on my credit report. I dont recognize this account and never authorized it.

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ).

Here are the details : Creditor/Agency : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Amount : {$600.00} Opened : XX/XX/year> I did not authorize this account and do not recognize the mentioned debt. I request that you investigate this account and remove it from my credit report as soon as possible. 
In accordance with the FDCPA, XXXX  XXXX  Section 809 ( 15 U.S.C. 1692g ), I request validation of this debt. 
Please provide me with veri able proof that this debt belongs tome. 
I appreciate your prompt attention to this matter and look forward to your response in accordance with the FCRA and FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: TX

Complaint narrative:
Subject : Formal Request for Removal of Unauthorized Credit Inquiries To Whom It May Concern, I am writing to dispute and request the removal of unauthorized inquiries appearing on my credit report. Under 15 U.S.C. 1681b, entities are only permitted to access my credit report with my express authorization or for a legally permissible purpose. Upon reviewing my credit report, I have identified this inquiry that I did not authorize : XXXX XXXX XXXX XXXXXXXX XXXX XXXX While this account is listed as " Hard Inquiry '' its continued presence on my credit report serves no permissible purpose under 15 U.S.C. 1681a ( d ) ( 1 ) and is negatively affecting my creditworthiness. This account is not providing any active credit history or financial benefit, and I am formally requesting its immediate removal from my report. 

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 2025-04-11 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:
Subject : Formal Request for Removal of Unauthorized Credit Inquiries To Whom It May Concern, I am writing to dispute and request the removal of unauthorized inquiries appearing on my credit report. Under 15 U.S.C. 1681b, entities are only permitted to access my credit report with my express authorization or for a legally permissible purpose. Upon reviewing my credit report, I have identified this inquiry that I did not authorize : XXXX XXXX XXXX XXXXXXXX XXXX XXXX While this account is listed as " Hard Inquiry '' its continued presence on my credit report serves no permissible purpose under 15 U.S.C. 1681a ( d ) ( 1 ) and is negatively affecting my creditworthiness. This account is not providing any active credit history or financial benefit, and I am formally requesting its immediate removal from my report. 

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 2025-04-11 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: CA

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 2025-04-11 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: WV

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 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 2025-04-11 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: TX

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: National Credit Systems,Inc.
State: PA

Complaint narrative:
I am submitting this complaint because National Credit Systems is continuing to report an account to XXXX XXXX, even after it was deleted from all three major credit bureaus XXXX, XXXX, and XXXX. 

The debt is no longer valid or verifiable, and its presence in my XXXX XXXX rental file is now negatively impacting my housing opportunities. 

I previously submitted a dispute to XXXX XXXX, who forwarded it to National Credit Systems for investigation. I am now requesting CFPBs assistance to ensure that XXXX permanently stops reporting this account and removes it from all consumer-facing databases, including XXXX.

Company response to consumer: Closed with explanation