vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Requested that Equifax take my fraud report from XXXX different data breaches. They stated that they would only file disputes to the derogatory items within the report. The only bureau that accepted my fraud report was Experian. They took the fraud report against all derogatory items and asked that I upload the FTC Fraud Affidavit report to their website to complete the process and have the items removed within 4 days. Equifax refused to take report or accept the FTC document.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I attended XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX from approximately XXXX. I took out both federal and private loans here. This school was later found to have operated in a fraudulent manner through litigation, and as a result of XXXXXXXX XXXX XXXX ruling, my federal student loans from this attendance were discharged and I was refunded. The private loan I took out was approximately {$19000.00} at this time. 

While I was in the XXXX XXXX XXXXXXXX XXXX, I was strongly encouraged by XXXX XXXX ( now Navient ) loan counselors to take out multiple forbearances as I could not afford to repay the loan on XXXX XXXX. This resulted in tens of thousands of dollars in interest accruing on the loan balance. 

In order to make a good faith effort to keep my loan current when it came out of its last forbearance, I refinanced the private loan I took out from XXXX XXXX ( now Navient ) in XXXX, which totaled just above {$73000.00} by this time, including interest. Despite telling the phone tech that I was a 100 % totally and permanently XXXX XXXX, no option to discharge my loan was presented to me at this time and I was encouraged to refinance instead, which I did in an attempt to lower my monthly payments. My XXXX progressed afterward, however, and I was completely unable to remain employed and remain unemployable to this day. My loan defaulted. 

I am a 100 % totally and permanently XXXX XXXX  according to the VA. Navient has a XXXX discharge option for those who become XXXX after loans have been disbursed. I only learned about this through the message board XXXX, not the loan servicer. I sent the Navient Office of the Consumer Advocate my VA XXXX benefits award letter in XXXX of XXXX and was told that they could not discharge my debt without verification from a physician that I am, in fact, XXXX. They stated that since my loan was refinanced in XXXX, after I became officially XXXX according to the VA in XXXX, I must undergo a physicians review. This is despite the fact that XXXX discharge was not presented to me at the time of refinance, AND the original loan was disbursed decades ago. 

I am now forced to go to great expense in time and money as the closest VA clinic that can see me for an appointment in person to fill out the physicians form is in XXXX, XXXX, almost XXXX hours away from me. This also does not guarantee that this loan will be discharged, which Navient has made clear to me, despite the fact that this school was proven to operate fraudulently and I am totally XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: NC

Complaint narrative:
I ASKED THAT THE WRONG INFORMATION THAT IS REPORTING ON MY REPORT BE CORRECTED AND REMOVED FROM MY REPORTS AND NO RESULTS WHEN ASKED. THAY DID NOT REMOVE ANY OF THE INFORMATION * XXXX XXXX - Close CHARGED OFF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Brightfunders, LLC
State: DE

Complaint narrative:
I am a XXXX XXXX, and my husband is white. In XXXX, my husband and I jointly applied for a mortgage with Homeside Financial to purchase our home at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX a predominantly white neighborhood. 

Issue 1 : My Husband Was Removed from the Mortgage Without Disclosure When we began the loan process, the lender acknowledged him as a co-borrower. We both received loan disclosures to sign, and his name appeared on the Closing Disclosure ( CD ) and other official mortgage documents. However, he was later removed from the mortgage and this change was made without any notice to us, no explanation, and no revised disclosures. We only discovered it after closing, when we saw that his name was missing from the final mortgage documents. 

This lack of transparency and due process is deeply troubling. As a XXXX woman married to a white man, I can't help but question whether our interracial status, or the fact that we were buying in a white neighborhood, influenced the way our application was handled. Im requesting that this be investigated as a potential violation of federal lending disclosure laws and fair housing protections.

Issue 2 : The Lender Issued a Closing Disclosure Without a Completed Appraisal Between XX/XX/XXXX and XX/XX/year>, Homeside Financial knowingly issued our Closing Disclosure without having received or completed the required property appraisal a critical component of the loan approval process. The lender had already acknowledged that the appraisal assignment was still pending confirmation and payment at the time. 

Despite this, I was told on XX/XX/XXXX that the CD would be issued anyway and it was. That CD started the countdown to closing. Issuing it without a completed appraisal not only violates XXXX regulations, but also put me as a borrower at serious financial risk, especially if the appraisal had come back lower than expected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: SC

Complaint narrative:
Dear Consumer Financial Protection Bureau, TransUnion continues to report a bankruptcy that has been permanently removed from the databases of XXXX, a third-party provider that plays a critical role in public record verification. I have enclosed supporting documentation confirming that XXXX has no record of this bankruptcy in their system. 
Despite submitting a dispute with TransUnion on XX/XX/year> and providing all relevant documents to substantiate my claim, they have failed to properly investigate my dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Their handling of this matter reflects a pattern of negligence and predatory practices, especially in their failure to : Conduct a reasonable investigation Consult the sources of the disputed information. 
Remove inaccurate and unverified public records. 
Acknowledge the certified documents enclosed. 
This mishandling is not only damaging to my financial standing and opportunities, but it also violates my rights under federal law. I am therefore requesting the CFPBs urgent intervention in this matter to hold TransUnion accountable and compel the immediate removal of all inaccurate and unverified information from my credit report. 
I am attaching all relevant documents, including correspondence with XXXX and TransUnion, for your review. 
Thank you for your attention to this serious matter. I trust the CFPB will take the necessary steps to enforce compliance and protect consumers like myself from further harm

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 2025-06-10 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:
This letter serves as a formal dispute and demand for deletion pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, which mandates the reinvestigation of inaccurate, incomplete, or unverifiable information reported in a consumers credit file. 
I am demanding an immediate reinvestigation and deletion of the following account from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LEGAL GROUNDS FOR REMOVAL : Under 15 USC 1681i ( a ) ( 1 ) ( A ), once a dispute is filed, you are legally obligated to conduct a full and proper reinvestigation. Any item that can not be verified with complete accuracy must be deleted from the consumer 's file within 30 days. 
I am exercising this right and demanding strict compliance. Additionally, XXXX USC 1681i ( a ) ( 5 ) ( A ) states that any disputed item that : can not be verified must be deleted from the file of the consumer. 

Let me be clear : unless you can furnish original documentation with my wet signature proving I originated this account, you must delete it. That means no screenshots, no digital entries, no data dumps from the furnisher I want the actual original contract bearing my live signature as verification. Anything less is legally insufficient under federal law. 
Per 15 USC 1681i ( a ) ( 2 ) ( B ), if the furnisher fails to respond or verify the account with sufficient evidence, you are required to delete the account immediately. 
YOU ARE HEREBY PUT ON NOTICE : You have XXXX  days from the receipt of this letter to complete a lawful investigation. 
If this account is not XXXX XXXX  verifiable, or if no documentation bearing my wet signature is produced, the account must be permanently deleted. 
Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 
I am also prepared to pursue civil litigation under 15 USC 1681n and 1681o for any willful or negligent noncompliance with federal law, where damages of up to {$1000.00} per violation, plus punitive damages, attorney fees, and court costs may be imposed. 
I expect this matter to be handled with the utmost urgency and in full accordance with federal law. You are not above the law. If this account is not verified to the letter of the law, it must be deleted without delay

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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
Fraudulent Accounts and Inquiries Immediate Action Required ( SSN : SS # : XXXX ) To Whom It May Concern : I am writing to demand the immediate deletion of fraudulent accounts and inquiries that have been unlawfully reported on my consumer file, resulting from identity theft. Your failure to comply with federal law in verifying these accounts and inquiries is both unacceptable and a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
Legal Framework Violated : 15 USC 1681b ( c ) Furnishing Reports Without Consumer Authorization As per the statute, consumer reporting agencies are prohibited from furnishing records of inquiries connected to credit or insurance transactions that I, the consumer, did not initiate. The following inquiries must be removed from my report without delay : 18 U.S.C. 1028A Aggravated Identity Theft I am a victim of identity theft. Under this law, any fraudulent use of my identity is a federal crime punishable by an additional term of two years ' imprisonment for the offenders. Your negligence in verifying this information perpetuates the criminal activity and further damages my financial standing. 
15 USC 1681c2 Block of Fraudulent Information Pursuant to this law, you are required to block all fraudulent information related to identity theft within four business days of receiving a valid identity theft report. Enclosed are all necessary documents to fulfill this requirement, including a copy of my FTC Identity Theft Report, proof of identity, and identification of fraudulent accounts. Failure to comply will result in formal complaints with federal and state agencies. 
Fraudulent Inquiries : XXXX. XXXX  Date of inquiry : XX/XX/year> These accounts and inquiries were not authorized by me and must be removed from my report immediately. 
Failure to Act : If these fraudulent accounts and inquiries are not deleted, and an updated consumer report is not sent to me promptly as mandated under 15 USC 1681c-1 ( 2 ), I will escalate this matter to the following entities : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) XXXX XXXX XXXX ( XXXX  ) State Attorney General Offices, both in your jurisdiction and mine Non-compliance will lead to formal legal action, including seeking damages for the harm caused by your continued violation of my rights. 
Enclosures : Copy of my government-issued ID Proof of address ( utility bill ) Copy of my Social Security card FTC Identity Theft Report I expect swift action on your part and look forward to receiving confirmation that all fraudulent information has been removed and an updated report has been sent. 
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 2025-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
This account is reporting fraudulent I filed a FTC affidavit report here is the FTC Report Number 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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-06-10 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-06-10 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: AR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-06-10 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:
There were two previous complaints filed through the CFPB on XX/XX/year> regarding 15 U.S.C 1681c-2 for blockage or deletion of inaccurate information within four days report # XXXX, and a fallow up complaint on XX/XX/year> regarding the blatant disobeying of U.S.C.15 1681c-2 report # XXXX. 

On XX/XX/year> i received a letter stating Experian could not verify my identity and would be unable to grant my dispute. All required documents were both uploaded to the CFPB at the time complaint was filed and also mailed to the correct address of Experian 's dispute department at XXXX XXXX XXXX XXXX XXXXXXXX. It was impossible that my documents were not received identifying my identity, The disputed items are currently still on my credit report regardless of the laws set forth by the 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 2025-06-10 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: NC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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 have always prioritized meeting payment deadlines, so it's concerning to find an error indicating a late payment on my account. This mistake is causing unnecessary stress, and I kindly request that you correct it promptly by updating my records accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc.
State: CO

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite efforts to resolve this directly with the reporting agency, it remain unresolved. I request immediate removal of this item, as it is incorrect and does not reflect my true credit history. I've received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request.

The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report.

I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief