vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 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: FL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: Carvana Group, LLC
State: SC

Complaint narrative:
I am a self-employed freelancer operating as a sole proprietor, and I filed taxes using Schedule C to report my business income. While applying to purchase a vehicle from XXXX, I was asked to verify my business status and income. 

I provided my IRS Schedule C and business account statements from XXXX and XXXX  XXXX  of which I use exclusively for business and are set up in my name with LLC as a label ( Cash App allows this for account identity ). Carvana staff stated that XXXX bank statements would be acceptable as long as the name on the account matches the name on my tax return. 

My Schedule C and both business bank statements clearly match my name, and all transactions are business-related. However, Carvana is refusing to approve my purchase, providing no clear reason despite confirming that my documentation should be sufficient.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX Nelnet ) : On XX/XX/XXXX, I submitted a complaint with the Federal Student Aid Ombudsman to separate a joint FFEL loan, under the Joint Consolidation Loan Separation Act, with the clear intention of qualifying for the one-time Income-Driven Repayment ( IDR ) adjustment and PSLF. At the time that I submitted my complaint, an application for Joint Consolidation Separation did not exist. I received confirmation that my case was closed and resolved on XX/XX/XXXX. However, I was later informed that no actual consolidation had occurredand that I had now missed the critical XXXX XXXX deadline to qualify for the IDR adjustment. This error invalidated 176 PSLF-eligible payments made between XX/XX/XXXX and XX/XX/XXXX. XXXXNelnet continues to show this balance of {$19000.00} as FFEL, preventing discharge. I have been offered no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: MI

Complaint narrative:
Ive recently 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: ALLIANT CREDIT UNION
State: CA

Complaint narrative:
During a purchase of our new home we engaged multiple mortgage companies to quote us a rate. XXXX of those companies was Allianz Credit Union. During the process we decided to go with a different company. However, days later after the inquiry we received a paper envelope that was ripped in the process of delivery with a paper mortgage application that contained our PII and financial information, including but not limited to Social Security Numbers, all our bank accounts, our current and purchase addresses, our names and citizenship statuses and all our phone numbers. Both me and my husband XXXX XXXX had our information printed on paper sent in a thin paper envelope that broke during delivery exposing all of our most valuable information our to the public. This was delivered to our mailboxes that live in the streets of XXXX XXXX that is very susceptible to mail fraud and theft. We did not authorize Alliant Credit Union to send us a mail mortgage application with all of our PII and financial information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
I recently reviewed my credit reports and was shocked to find a collection account from SpringOak Capital. for what is purported to be a debt from The XXXX  XXXX XXXX. I am formally disputing this collection, as I do not recognize the debt and have no recollection of ever having this account. Furthermore, I have never received any communicationwhether by phone, text, email, or mailregarding this alleged debt. This includes the XXXX letter that is required to notify a consumer of a collection. The lack of prior notification has raised significant concerns regarding the validity and accuracy of this account. Due to this erroneous reporting, I have encountered difficulties securing credit, which is now directly impacting my ability to obtain a home loan. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you immediately remove this collection from all credit reporting agencies and cease any further collection efforts regarding this disputed debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: PA

Complaint narrative:
Im reaching out to file a formal complaint about how PHFA ( Pennsylvania Housing Finance Agency ) is reporting my mortgage account. Ive done a side-by-side comparison of all three of my credit reports, and the information being reported is not only inconsistent but legally questionable. 

There are multiple dates that dont match like the last active and last payment dates. For example, Experian says XX/XX/XXXX, while Equifax says XX/XX/XXXX. This inconsistency is unfair and directly violates FCRA XXXX ( b ), which says credit reporting must be the most accurate and complete possible. It's not fair to be penalized over something lenders cant even agree on. 

Whats worse is that PHFA marked me 30 days late but I dont recall getting any notice or documentation before they did that. If they never sent a notice or failed to properly disclose how and when they'd report my account as late, thats a Truth in Lending Act ( TILA ) violation. I was never given a real chance to fix the issue before it impacted my credit, and thats not how this should work.

Under FCRA 1681i ( 5 ) ( A ), if any part of what theyre reporting is unverifiable or incomplete, it has to be deleted not updated. If PHFA cant produce clear evidence that these lates are valid and legally reported, then they dont belong on my report.

Im also aware of my rights under RESPA 2605, which requires mortgage servicers to properly respond to Qualified Written Requests ( QWRs ). Im prepared to issue one if needed, but I hope this complaint gets PHFA to fix this and respond with real answers.

This inaccurate reporting has impacted my ability to move forward financially, and I need these lates removed. Im not just disputing data Im asking for fairness and accountability from a company that handles peoples homes. Im asking for this to be taken seriously.

Requested Resolution : Please remove the late payments and investigate whether PHFA followed the law in how they reported and disclosed these delinquencies. If the information can not be verified with documentation, I am asking for full deletion of the derogatory data as required under the FCRA and other consumer protection laws. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XXXX from MCM keeps calling me multiple times daily. I informed them that I can not take personal calls during work and to call after XXXX when I am off work. They continue to harass me with calls stating its an important business matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: TX

Complaint narrative:
Since this late payment does not accurately represent my payment history, I request its immediate removal from my account. I have consistently made my payments on time, so this erroneous entry is unjust. Please make the necessary adjustments to my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: NC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 2025-05-09 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: RI

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: FL

Complaint narrative:
I am filing this formal complaint against Experian for their egregious failure to properly investigate my valid credit report dispute, in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). Their inadequate and rushed handling of my dispute has caused ongoing harm to my credit score and financial well-being. On XX/XX/year>, I initiated a dispute with Experian regarding an erroneous student loan account listed on my credit report : U S DEPT OF EDXXXX, account number XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX , GA XXXX . 

This account does not belong to me, and I provided clear evidence to support my claim. Shockingly, just three days later, on XX/XX/year>, Experian responded, stating their so-called investigation was complete and that the account has not been changed and will remain on your credit report ( Report Number : XXXX ) .This response is utterly unacceptable and demonstrates Experians failure to conduct a meaningful investigation as required by law. The FCRA mandates that credit reporting agencies conduct a thorough and reasonable investigation within 30 days, yet Experians cursory three-day review suggests they did not contact the data furnisher, verify the accuracy of the account, or review the evidence I submitted. Their actions are not only negligent but also a blatant disregard for their legal obligations, resulting in the continued reporting of inaccurate information that is damaging my credit score and violating my consumer rights. This erroneous account has caused significant financial harm, including a lowered credit score that affects my ability to secure favorable loan terms and other financial opportunities. Experians refusal to properly investigate and correct this error is unconscionable and must be addressed immediately. 

I demand the following actions : A thorough investigation by the CFPB into Experians dispute handling practices, specifically regarding my case ( Report Number : XXXX ). Immediate removal of the inaccurate account ( U S DEPT OF EDXXXX, account number XXXX ) from my credit report. 
Compensation for the financial and emotional distress caused by Experians negligence. Penalties imposed on Experian for violating the FCRA and failing to protect my consumer rights. 

I have attached relevant documentation, including my dispute submission and Experians inadequate response, for your review. I urge the CFPB to take swift action to hold Experian accountable and protect other consumers from similar misconduct. 
Thank you for your attention to this urgent matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I applied for a credit card with XXXX, they called me to confirm that it was really me that applied. In that conversation, they mentioned that there is a different number that appears first on my fraud alert. They use Experian annd advised me to contact Experian to get the phone number updated. I have called Experian at least 25 times this week to try to update my fraud, l alert and/or get access to login online to update it myself. There is no option to speak to a human via Customer service because Experian controls such a large part of my life via my credit, they need real customer service reps who are easily accessible via calling into support.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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