vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 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: FL

Complaint narrative:
This is not the first time I've had to deal with unauthorized activity on my credit file. I'm now disputing multiple hard inquiries that were placed on my TransUnion report without my consent or any legitimate reason : XXXX XXXX XXXX XXXX  XXXX2025 and XX/XX/year>2025 ), XXXX ( XX/XX/scrub>/2025 and XX/XX/year>2025 ), XXXX XXXX ( XX/XX/year>2025 ). I did not initiate any transactions or authorize these entities to access my credit file. Under the FCRA, specifically 15 U.S.C. 1681b ( a ), a consumer reporting agency may only furnish a report with the consumer 's written instruction or for a permissible purpose. These inquiries were made without my knowledge or consent and therefore lack a valid permissible purpose. You remember the case XXXX XXXX XXXX, XXXX XXXX Trans Union, XXXX? The court made it clear that furnishing a credit report without a valid purpose is a serious FCRA violation. If you dont want to end up in that same position again, DELETE THESE INQUIRIES FROM MY CREDIT REPORT.

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 2025-06-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
My mortgage was with New Rez. I was current with my mortgage up until XXXX of XXXX. I was trying to get new Rez to let me assume the loan in XXXX when I was current so I could refinance so I could continue to keep my home. New Rez started to make me fill out paperwork time after time for 2 years. I had numerous contacts who blocked this from happening. I had a contact who said he got me a forbearance in XXXX for three months as they reviewed the situation. He stopped me taking my calls. I kept calling them talking to numerous flunkies ' who were no help. I found out in XXXX that he quit in XXXX. No one ever telling me that. They were still reviewing. They put me in pre foreclosure on XXXX. My new contact told me they were going to get this worked out. My debt to income went out of control. My contact missed numerous calls with me. I never got a resolution, I had to sell my home. i to this day am getting letters saying they are reviewing. I want to sue them for my mortgage as I did not get the amount I need to live on from the sale. I do not know how to proceed with lawsuit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: FL

Complaint narrative:
I am filing a second complaint because LexisNexis continues to report bankruptcy information on my consumer file without verifying its accuracy directly with the court, as required by the Fair Credit Reporting Act ( FCRA ). 

I have new evidence : a letter from LexisNexis admitting that XXXX courts do not provide them information directly, and that they use PACER instead which is a secondary source. I also have a letter from the court confirming that they do not supply any data to LexisNexis.

This violates FCRA 15 U.S. Code 1681e ( b ) and 1681i. The failure to verify directly with the original source and the continued reporting of potentially inaccurate information has harmed my credit and financial reputation. 

I have issued a legal demand to LexisNexis, and if no corrective action is taken, I am prepared to file a lawsuit. I respectfully request the CFPB to investigate and hold LexisNexis accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: CA

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 2025-06-12 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:
to : CFPB team : I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked immediately. Enclosed is a copy of my Police Report and FTC Identity Theft Report ( FTC Report Number : XXXX  and XXXX  ) to support my identity theft claim.

Under 15 U.S.C. 1681c-2, once a consumer submits an identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within XXXX ( XXXX ) business days. 
The following information on my credit report is the result of identity theft and should be blocked : 1. ACCOUNT DETAILS : Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/2024 As required by law, this fraudulent information should be blocked for at least XXXX year, after which I may request an extension of the block. During this time, you may not report this information on my credit file or indicate that my report contains any fraudulent data. 
I have contacted the Equifax, on several occasions to report these fraudulent accounts, yet I have not received any resolution. This situation is seriously affecting my ability to qualify for a new home for my children. These same accounts were deleted and not verified by other credit bureaus, which raises serious questions about their legitimacy. 
I have also requested verification and contract documentation from the companies reporting these accounts, and more than XXXX XXXX have passed without any response. Therefore, I am requesting immediate action. 
Enclosed is my FTC Identity Theft Report. I respectfully request that you make a fair and just decision regarding my situation. 
Thanks. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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:
PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

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 2025-06-12 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: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

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 2025-06-12 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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

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 2025-06-12 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: OH

Complaint narrative:
I previously had an auto loan with XXXX XXXX XXXX XXXX which was paid in full on XX/XX/XXXX. At that time the account was closed, and I received the title to the vehicle from XXXX shortly after. Ever since the account was paid off, this company has been a complete disaster with inaccurate credit reporting for XXXX YEARS now. As I stated, my loan was paid off in full on XX/XX/XXXX which is reflected on my credit report. That information is accurate. What I have been disputing for the last XXXX months is the historical account information starting with the month of XX/XX/XXXX ( when the account was paid off and closed ), and running through XXXX of XXXX. This lender has been inaccurately reporting MULTIPLE months of derogatory payment history for 4 months after my loan was paid off. Despite countless disputes having been filed with the credit bureaus including attaching records showing the account was paid in full and closed on XX/XX/XXXX XXXX along with Equifax have continued to verify the account information as accurate and refuse to correct their error which has continued to damage my credit score and rating for the last XXXX years. Specifically, the late payments being reported are : XXXX XXXX XXXX days late ( paid off and closed XXXX ) XXXX XXXX XXXX days late XXXX XXXX XXXX days late XXXX XXXX XXXX days late At this time I am DEMANDING the IMMEDIATE REMOVAL of this inaccurate and damaging information. Attached is a copy of my most recent dispute that was completed within the last XXXX  days that clearly states that XXXX has verified the information as accurate. Nobody can seem to explain how an account that was paid off in full can possibly report multiple months of derogatory payment information after the account was closed. This is my final warning to have this corrected before I take both MBFS and EQUIFAX to court to recover any and all damages Im entitled to for deliberately ruining my credit for the last XXXX  years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: AZ

Complaint narrative:
TransUnion is currently reporting late payment notations on XXXX accounts that are otherwise listed as Paid or paying as agreed, which I dispute as inaccurate, incomplete, and materially misleading. These accounts include XXXX XXXX ( Account # : XXXX ), opened on XX/XX/XXXX, and XXXXL ( Account # : XXXX  ), opened on XX/XX/XXXX. 

Both accounts are marked as being paid as agreed or actively in good standing, yet TransUnion continues to display derogatory late payment marks associated with them. This is a conflicting and deceptive representation of my payment history. If the accounts are being paid as agreed, there should be no reason for any late payment status to remain attached to the recordespecially if the past due balances have been fully resolved or never existed in the first place. 

Under the Fair Credit Reporting Act ( FCRA ), TransUnion has a legal obligation to ensure that all data published on consumer reports is accurate, complete, and up to date. Specifically, 15 U.S.C. 1681e ( b ) mandates that consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information they report. In addition, per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), any disputed information must be reinvestigated in a timely and reasonable manner, and under 1681i ( a ) ( 5 ), unverifiable or misleading data must be corrected or deleted. 

To date, I have not received any documentation from TransUnion or the data furnishers substantiating the basis for the reported late payments, nor any evidence that contradicts the current paid as agreed designation. If no outstanding delinquency exists and the accounts are in good standing, continuing to report them with a derogatory history is not only harmful to my creditworthiness but also legally indefensible.

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 2025-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IN

Complaint narrative:
I have a bankruptcy showing on my credit report. I asked the credit reporting agencies to validate the information, and they claimed it was verified by your office. Can you confirm or deny whether your office reported this bankruptcy to the credit reporting agencies? 

Please explain how you are able to willfully violate the law. 

Under the Fair Credit Reporting Act ( FCRA ), furnishers are prohibited from reporting any information if they know or have reasonable cause to believe the information is inaccurate. See 15 USC 1681s-2 ( a ) ( 1 ). 

LexisNexis, the provider of the XXXX bankruptcy reporting system, has acknowledged that public record data is prone to error. Their own disclaimer reads : XXXX is a consumer reporting agency product provided by LexisNexis Risk Solutions ... Due to the nature of the origin of public record information, the public records and commercially available data sources used in reports may contain errors. Source data is sometimes reported or entered inaccurately, processed poorly or incorrectly, and is generally not free from defect... This product or service aggregates and reports data as provided by the public records and commercially available data sources, and is not the source of the data ... Before relying on any data, it should be independently verified. 

Despite this, the bankruptcy remains on my report. 

The FCRA is clear : disclaimers do not excuse the reporting of inaccurate or misleading information. Courts have consistently held that a consumer reporting agency ( CRA ) can not shield itself from liability simply by including a disclaimer. Doing so undermines the FCRAs requirement to maintain accurate data. 

I am demanding that you : Delete all data related to this bankruptcy from your system, and Immediately cease and retract any reporting of this information to all credit reporting agencies. 

Failure to comply will result in further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Selene Holdings LLC
State: FL

Complaint narrative:
Describe what happened : I applied for a loan modification through XXXX XXXX XXXXXXXX ( servicer for XXXX XXXX XXXX XXXX ) and submitted all required documentation. Initially, the servicer began escalating the review, but later informed me that it could not continue the process because of a pending appeal. After pausing the review for this reason, the servicer then resumed the reviews a week later, only to issue a denial on XX/XX/year>, citing post-modification debt-to-income ratio. 

However : The denial did not include any DTI calculation or explanation of the figures used.

I was not given any opportunity to clarify or supplement my documentation.

The letter was misaddressed to an attorney who no longer represents me, despite repeated notice that I am self-represented.

This inconsistency and miscommunication have delayed resolution and caused serious stress and harm. It appears the servicer is not following fair modification review practices or maintaining proper communication protocols.

I request that the CFPB investigate and that the servicer be directed to : Provide full documentation of how the DTI determination was made Reopen the modification review with transparency Cease all
communication with former counsel and communicate directly with me Participate in good faith in any court-ordered reconciliation or mediation process There is an ongoing legal appeal, and this complaint is not an acknowledgement of responsibility for the debt. It is an ongoing attempt to resolve this issue and settle it in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: CA

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

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
RE : Case ID : XXXX This is a formal follow-up to my previous complaint regarding the severe mishandling of my private student loans by Navient and XXXX, which was closed without proper investigation. I am requesting that this matter be reopened and escalated immediately.

Navient claims that my loans defaulted yet their own communications and my payment history prove otherwise. 

I made my last payment to Navient on XX/XX/XXXX, and my payment plan was scheduled to expire on XX/XX/XXXX. Despite this, I received an email reminder from Navient on XX/XX/XXXX, reminding me about my next payment. That alone shows the account was still in active standing, not in default. Keep in mind my payments were due every XXXX of the month and I received email reminders on the XXXX of each month. See screenshots attached of all the emails I received showing these statements. 

Then, without any notice, my loan was transferred to XXXX as of XX/XX/XXXX. At no point was I informed of a default status, nor was I given an opportunity to cure anything. The timeline and communications make it very clear : my account was not in default at the time of transfer. According to XXXX, per attached email screenshot, " if you were enrolled in Auto Pay at Navient, no action is needed. Your enrollment automatically transferred to us and payments will be withdrawn as scheduled. '' To make this worse, after XX/XX/XXXX, my entire XXXX account was completely erased including all loan history, payment records, and a hardship letter I had uploaded. I was then silently transferred back to Navient, with no explanation and no documentation provided. I was never notified via email or letter that my account had been returned to Navient. 

Now, Navient claims that I defaulted on XX/XX/XXXX, a backdated and unsubstantiated default date meant to justify their collection activity and credit reporting. It makes absolutely no sense that Navient would transfer me to XXXX because of default, only to take me back again while still labeling me as in default. That directly contradicts their stated reasoning and demonstrates a breakdown in basic servicing standards. 
I have screenshots of my payment confirmations and the email communications from Navient proving this timeline. Their claim of default is not only inaccurate, but also clearly designed to evade accountability for their own servicing failure. There was no transparency, no warning, no grace period and now Im left without loan access, no paper trail, and false derogatory marks on my credit.

I am currently unemployed, assisting in supporting my mother, and have no attachable assets. I am judgment-proof and this type of behavior by servicers is unacceptable and predatory.

Company response to consumer: Closed with explanation