vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 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: NY

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Fay Servicing, LLC
State: TX

Complaint narrative:
We have been attempting to obtain our pay off on the mortgage for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX from Fay Servicing. 

We started two weeks ago ( XX/XX/XXXX ) by sending in an email request to the email address provided by Fay Servicing. 

The title company waited 4 days as instructed and called for the payoff, XXXX was told at that time they did not have the request. 

XXXX and I spoke with XXXX on XX/XX/XXXX and did a verbal request for the payoff, we were assured that you would do everything possible to expedite this process as we were closing XX/XX/XXXX. This was 11 days after the initial request was sent. 

We indeed closed on the house on XX/XX/XXXX and everyone has been funded except us due to Fay Servicing 's incompetence and I'm sure illegal activities. Currently the title company is out of compliance because they haven't completely funded the proceeds as required by law. 

We have kept Fay Servicing informed of our situation and filed all loss mitigations as requested. All we need is the payoff and this mortgage will be finished. 

We have consistently been given the run around, I've also noticed that if I call from any of my known phone numbers the call is automatically routed to XXXX. 

We have constantly asked to speak to someone higher up the chain and have been repeatedly denied. We can't even get anyone to return our calls. 

XXXX as the person stuck with all of our calls has been gracious but it is obvious that she is not getting any assistance. 

It is now XX/XX/XXXX, the date we were informed last friday, that we would receive it. Still no documents and now it is 14 days after the initial request. 

We have no home because we sold it to get out from under this mortgage, we are in jeopardy of losing our current housing because the title company has not received the payoff and so they can't fund our part.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, RE : Dispute of Unknown Account Request for Immediate Removal Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reported Balance : {$94.00} Dear XXXXXXXX XXXX XXXX I'm writing to dispute the account listed above, which appears on my credit report under your name. I do not recognize this account, and to the best of my knowledge, I never opened it. 

Because I was not aware of this account and dont believe it belongs to me, I am requesting that it be fully investigated. If you can not verify with full documentation that this account is valid and truly mine, I am asking that you immediately delete it from all credit bureaus Experian, Equifax, and TransUnion as required under the Fair Credit Reporting Act ( FCRA ). 

Please send me copies of any original documents such as a signed application, billing history, or communication that prove I opened or used this account. If you're unable to provide that, I expect the account to be removed from my report. 

I appreciate your attention to this matter and look forward to your response within 30 days. 

Sincerely, 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 2025-07-18 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, RE : Dispute of Unknown Account Request for Immediate Removal Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reported Balance : {$94.00} Dear XXXXXXXX XXXX XXXX I'm writing to dispute the account listed above, which appears on my credit report under your name. I do not recognize this account, and to the best of my knowledge, I never opened it. 

Because I was not aware of this account and dont believe it belongs to me, I am requesting that it be fully investigated. If you can not verify with full documentation that this account is valid and truly mine, I am asking that you immediately delete it from all credit bureaus Experian, Equifax, and TransUnion as required under the Fair Credit Reporting Act ( FCRA ). 

Please send me copies of any original documents such as a signed application, billing history, or communication that prove I opened or used this account. If you're unable to provide that, I expect the account to be removed from my report. 

I appreciate your attention to this matter and look forward to your response within 30 days. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
This XXXX account is not mine and I have called talked to an agent at Experian to haver this account deleted from my credit report. Th agent told me to submit a new FTC REPORT ALONG WITH MY ID TO HAVR THIS ACCOUNT BLOCKED

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 2025-07-18 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-18 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:
In response to the ongoing reporting of a collection account on my credit file by XXXX XXXX XXXX I am writing to formally dispute this claim and request its permanent removal.

I must emphasize that I have no prior knowledge of XXXX XXXX and do not recognize their legitimacy as a creditor. Consequently, I am seeking proper validation of this debt claim. 
XXXX has failed to provide sufficient documentation to substantiate their legal authority to collect or report this debt. It is crucial to clarify that XXXX XXXX XXXX not the original creditor, and they have not presented any signed agreement or legally executed assignment that establishes ownership or transfer of this debt. 
I take my financial obligations seriously, but I also believe in the importance of ensuring that all information reported about me is accurate, lawful, and fully verified. 
To support my request, I outline the following legal grounds : 1. * * Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) : * * Under this act, I am entitled to request proper validation of the debt claim, including the amount owed, the name of the original creditor, and verifiable proof of assignment or ownership. XXXX has not complied with this requirement in a meaningful manner. 
XXXX. * * Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ) : * * Any item listed on my credit report must be accurate and verifiable. If a company is unable to confirm the validity of an account, it must be removed. In this case, XXXX  failure to verify the debt warrants immediate deletion. 
XXXX. * * Uniform Commercial Code ( UCC 9-406 ( c ) ) : * * If I, as the alleged debtor, request proof of assignment, it must be provided. Without valid documentation, including a signed contract or executed assignment, XXXX lacks standing to collect or report this account. 
XXXX. * * Uniform Commercial Code ( UCC 3-305 and 3-309 ) : * * These sections further outline that only a valid holder or a non-holder with holders rights can enforce a financial instrument. If the original instrument is lost, strict evidentiary standards apply. XXXX has not met any such burden. 
Given these legal standards and their failure to meet them, I am requesting the permanent deletion of this collection account from all credit reporting agencies. This item should not be sold, transferred, or reinserted at a later date. Monetary compensation, as permitted by 15 U.S.C. 1692k and 15 U.S.C. 1681n, for the damages caused, such as reduced credit scores and denied opportunities for housing and transportation, is required. Written confirmation that this matter has been resolved and that the account has been removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: MD

Complaint narrative:
This complaint is being filed with the Consumer Financial Protection Bureau ( CFPB ) pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to formally request that all 3 bureaus block and remove all fraudulent information from my consumer credit report within four ( 4 ) business days of receiving this notice. The fraudulent, inaccurate, and false information includes the following accounts : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX CO - XXXX. Please take the necessary steps to remove these accounts from my credit report.These accounts have led to multiple fraudulent hard inquiries and collections being reported on my consumer credit report. I do not recognize or authorize any of the above accounts, inquiries, or collections. They were not opened, made, or initiated by me and are the result of identity theft and fraud. I have included a copy of my FTC Identity Theft Report ( Criminal Complaint # ( Private Case Number ) ) as official documentation from the U.S. Federal Trade Commission, confirming these items were reported as fraudulent and are the result of identity theft.

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 2025-07-18 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: MD

Complaint narrative:
This complaint is being filed with the Consumer Financial Protection Bureau ( CFPB ) pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to formally request that all 3 bureaus block and remove all fraudulent information from my consumer credit report within four ( 4 ) business days of receiving this notice. The fraudulent, inaccurate, and false information includes the following accounts : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX CO - XXXX. Please take the necessary steps to remove these accounts from my credit report.These accounts have led to multiple fraudulent hard inquiries and collections being reported on my consumer credit report. I do not recognize or authorize any of the above accounts, inquiries, or collections. They were not opened, made, or initiated by me and are the result of identity theft and fraud. I have included a copy of my FTC Identity Theft Report ( Criminal Complaint # ( Private Case Number ) ) as official documentation from the U.S. Federal Trade Commission, confirming these items were reported as fraudulent and are the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To : Nelnet U.S. Department of Education XXXX. XXXX XXXX XXXX, XXXX XXXX Subject : Formal Dispute of Credit Reporting Under FCRA , FERPA, and Request for Deletion Dear Nelnet Credit Reporting Department , I am writing to formally dispute the reporting of my federal student loan to the consumer credit reporting agencies by your organization. While I acknowledge that you have sent me a copy of the loan agreement and related documentation, nowhere in the materials provided have you shown my affirmative, wet-ink signature specifically consenting to the reporting of this loan to the credit bureaus. 

According to the Fair Credit Reporting Act ( FCRA ), no furnisher of information is allowed to report inaccurate or unverifiable data. Without proof of express consent in writing, the reporting of this loan violates Section 1681s-2 ( a ) of the FCRA, which prohibits furnishing data that is not substantiated or authorized. 

Additionally, under the Family Educational Rights and Privacy Act ( FERPA ), my educational records, including loan and financial data, are protected. Disclosing such information to third partiesnamely, credit reporting agencieswithout explicit authorization is a violation of federal privacy law. FERPA mandates consent before educational records are shared outside of educational institutions, particularly for non-educational purposes such as credit scoring.

I would also like to point out the Executive Order signed by former XXXX XXXX XXXX in XXXX, which required the U.S. Department of Education to review and revise student loan reporting standards, emphasizing accuracy, fairness, and accountability. This guidance further strengthens my position that arbitrary or unauthorized reporting is not in line with federal direction.

Therefore, I am requesting the immediate removal ( deletion ) of this student loan from all consumer credit reports under your control, unless you can provide : A copy of my wet-ink signature or valid e-signature specifically consenting to credit reporting, Legal basis ( with cited statutes ) justifying the reporting of this account in the absence of such consent. 

If you can not produce such documentation within XXXX hours of receipt of this letter, I will pursue formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Department of Educations Inspector General, and consider additional legal remedies under both FCRA and FERPA.

This is a time-sensitive matter, and I expect your full cooperation in resolving it appropriately. 

Sincerely, XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was just looking over my credit report and found some addresses that appear to b incorrect. I've enclosed documentation providing prove of my current address as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that i am currently seeing listed, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX I also noticed that my name, employment , and phone number is incorrect and misspelled. XXXX XXXX, XXXX XXXX XXXXXXXX, my correct name is 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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was just looking over my credit report and found some addresses that appear to b incorrect. I've enclosed documentation providing prove of my current address as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that i am currently seeing listed, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX I also noticed that my name, employment , and phone number is incorrect and misspelled. XXXX XXXX, XXXX XXXX XXXXXXXX, my correct name is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Hi. I just filed a complaint against XXXX last month for the same thing I am about to complaint to you about. 

Back on XXXX of XXXX, I settled an account with TD Bank. My payment cleared and I have proof of that from my bank statement. Here we are, 4 months later, and there is still a balance on my credit report for TD Bank. 

Just now, my husband and I call TD Bank, and we ask the representative XXXX why they are still reporting a balance. XXXX told us that TD Bank won't forgive the remaining balance until the end of the year! We then ask to confirm that the account is in fact settled in full. XXXX confirmed it was. We then ask to confirm that I am having to wait 9 months for TD Bank to {$0.00} the balance on the account after it was settled. XXXX confirmed that again. She was even nice enough to spell out her name for us and tell us she was in the collections and recovery department. 

Do I need to say more? TD Bank is violating the Fair credit reporting act by misreporting an account balance on my report and are refusing to fix it. I would say they even violated the XXXX  XXXX XXXX by being deceptive. They lied to me that this account would be settled out in order to get me to pay them. I can't believe TD Bank is trying to pull this off. They get one shot to fix this now before I sue them.

Company response to consumer: Closed with explanation