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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am formally submitting a complaint regarding several inaccurate and inconsistent derogatory accounts reporting on my credit file, which I discovered using my credit monitoring service ( XXXX  ). These accounts contain significant discrepancies between the XXXX major credit bureaus ( TransUnion, Experian, and Equifax ), violating the Fair Credit Reporting Act ( FCRA ), which mandates that all information furnished to consumer reporting agencies must be accurate, complete, and verifiable. 
Specific Examples of Inconsistent Accounts : XXXX. XXXX XXXX  Opening date is different : XX/XX/XXXXXXXX XXXX TU XXXX XXXX XXXX XXXX XXXX XXXX High credit : {$0.00} on Experian XXXX {$7700.00} on TU and EQ  Credit XXXX XXXX {$0.00} on EQ vs {$6300.00} on XXXX Last activity/payment dates vary on each bureau. 
XXXX. XXXX ( XXXX ) High credit : {$0.00} on EX  vs {$8000.00} on EQ XXXX {$9800.00} on TU Credit limit : {$8000.00} on TU/EX vs {$0.00} on EQ Activity/payment dates are inconsistent across reports. 
XXXX. XXXX XXXX High credit : {$0.00} on EX vs {$2800.00} on TU/EQ Credit limit : {$2300.00} on TU/EX vs {$0.00} on EQ Last activity/payment dates differ. 
XXXX. XXXX XXXX ( Original creditor : XXXX XXXX. ) Only appears on TU and EX, missing from EQ Date of last activity : XX/XX/XXXX ( TU ) vs XX/XX/XXXX ( EX ) These discrepancies are in direct violation of : FCRA 602 ( A ) : Ensures accurate, fair, and private reporting of consumer information.

FCRA 607 ( B ) : Requires consumer reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy.

FCRA 623 ( A ) ( 1 ) ( A ) : Prohibits data furnishers from reporting information they know or have reasonable cause to believe is inaccurate.

FCRA 611 ( A ) ( 1 ) : Grants consumers the right to dispute inaccurate information and requires bureaus to investigate within 30 days.

FCRA 605 ( B ) : Prevents inclusion of unverifiable or outdated information.

FCRA 623 ( B ) : Requires furnishers to correct or delete information found to be inaccurate or incomplete. 
I have already filed disputes with the credit bureaus, but these accounts remain with the same inconsistent and inaccurate data. These errors are materially impacting my creditworthiness and limiting my ability to achieve key financial goals, including obtaining housing and growing my business.

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 — Account status incorrect
Company: Freedom Mortgage Company
State: OH

Complaint narrative:
Company showing delinquency when its not AND ITS PAST THE DEADLINE TO EVEN REPORT!! REMOVE INSTANTLY!!! ACCOUNT HAS BEEN CLOSED AND PAID OFF!!!

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 2025-07-19 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland, XXXX XXXX RE : Request for Investigation under Section 609 of the FCRA To Whom It May Concern, I am writing to formally request, under Section 609 of the Fair Credit Reporting Act, full disclosure and verification of the following account ( s ) that appear on my credit report. I request that you provide me with a copy of any signed contracts or legal documents bearing my signature that you used to verify the following account ( s ) : 1. Creditor Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Current Status : Account charged off. {$140.00} written off. {$120.00} past due as of XX/XX/XXXX Date of Dispute Filing : XX/XX/XXXX If you are unable to verify this information with valid documentation, I respectfully request that the inaccurate items be * * removed * * from my credit report. 

I have included the following documents for identity verification : - A copy of my government-issued ID - A recent utility bill for address verification - A copy of my Social Security card Please respond to this request within 30 days as required by federal law. 

This account is a result of identity theft, and I have never opened nor authorized any account with XXXX lending llc. I disputed this information with the credit bureaus and the furnisher ( XXXX lending llc ), and while the credit bureaus updated the record with a note of my dispute, the account still remains on my report as charged off. 

I notified XXXX XXXX XXXX, requesting deletion of the fraudulent tradeline under FCRA Section 605B Remove the fraudulent account from all credit reporting agencies. 

Sincerely, XXXX XXXX XXXX XXXX Enclosures : - Copy of ID - Copy of utility bill - Copy of SSN verification

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: 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 XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/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 fraud alerts or security freezes — 
Company: LEXISNEXIS
State: TX

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
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. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.

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: Experian Information Solutions Inc.
State: GA

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 XXXX  bureaus block and remove all fraudulent information from my consumer credit report within XXXX ( XXXX ) business days of receiving this notice. The fraudulent, inaccurate, and false information includes the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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: GA

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 XXXX  bureaus block and remove all fraudulent information from my consumer credit report within XXXX ( XXXX ) business days of receiving this notice. The fraudulent, inaccurate, and false information includes the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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: 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: NM

Complaint narrative:
I am filing this complaint due to the failure of TransUnion and XXXX  to remove an account that does not belong to me, reported by XXXX XXXX ( on behalf of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have sent multiple dispute letters via certified mail to both credit bureaus, clearly stating that this account is not mine and requesting its immediate deletion. Despite providing adequate documentation and following proper procedures under the Fair Credit Reporting Act ( FCRA ), neither the credit bureaus nor XXXX XXXX have resolved this issue or provided any meaningful response or verification. 

This continued reporting of inaccurate information is a direct violation of my rights under the FCRA, including but not limited to 1681i and 1681s-2. I respectfully request the CFPB investigate this matter and take appropriate action to ensure this erroneous account is permanently removed from my credit file.

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: NM

Complaint narrative:
I am filing this complaint due to the failure of XXXX  and Experian to remove an account that does not belong to me, reported by XXXX XXXX ( on behalf of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have sent multiple dispute letters via certified mail to both credit bureaus, clearly stating that this account is not mine and requesting its immediate deletion. Despite providing adequate documentation and following proper procedures under the Fair Credit Reporting Act ( FCRA ), neither the credit bureaus nor XXXX XXXX have resolved this issue or provided any meaningful response or verification. 

This continued reporting of inaccurate information is a direct violation of my rights under the FCRA, including but not limited to 1681i and 1681s-2. I respectfully request the CFPB investigate this matter and take appropriate action to ensure this erroneous account is permanently removed from my credit file.

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: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Nelnet, Inc.
State: VA

Complaint narrative:
This is NOT duplicate, do not close. Nelnet needs to be held responsible and their negligence and lack of accountability is being swept under the rug by the CFPB who has allowed them to continue without responding or rectifying. It has been 5 months since Nelnet broke my XXXX student loan into multiple accounts, falsely declared it as delinquent when it is not- it is deferred- I am a XXXX XXXX XXXX, has predatorily accrued interest on each of the new accounts they've opened in my name, and has been falsely reporting them as delinquent. 

Nelnet has made XXXX attempts to communicate any changes following absorbing my loans from great lakes or by breaking my promissory note. this has plummeted my credit score by XXXX points. 

This is my last attempt to require the CFPB to enforce penalties on these violations, before I start a class action against Nelnet, by XXXX. Removing this debt from my credit report XXXX. Correcting my Credit report back to 0 days delinquent XXXX and putting my loans back into deferred status. 

Or absolving me of the debt altogether for violating my department of education agreement if all of the above therms can not be met. 

Legally, Nelnet does not have the right to predatory loan servicing, changes to my loan agreement without notice or consent, and unlawfully opening new accounts in my name. 

To the CFPB : you can see nelnet blatantly ignoring this request on many occassions and to allow such is a disgrace. They think you're a joke by not enforcing your own policies and protections for people like myself and millions of others, who are being take advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I have been a loyal customer of TD Bank for the past eight years. During this time, I have been a satisfied customer until a few weeks ago, when I was served by XXXX XXXX XXXX at the XXXX XXXX, MD, branch. Her behavior made me feel deeply disrespected and humiliated. 

While I was complying with the verification process, I overheard XXXX XXXX whisper to her colleague that my address changes seemed off. She went out of her way to make me feel uncomfortable and embarrassed in front of other customers and bank employees. I have never experienced anything like this at any other TD Bank branch Ive visited. 

For context, I received my XXXX XXXXXXXX XXXX XXXX XXXX XXXX, attended XXXX XXXX XXXX XXXX, worked in XXXX, and recently returned home to Maryland. It is common for young professionals to relocate in pursuit of better opportunities. I do not understand why that would be seen as suspicious. It felt like XXXX XXXX was trying to find reasons to interrogate me rather than assist me. What should have been a simple five-minute transaction took far longer and left me feeling humiliated. 

Regarding my ID, the one on file was not physically with me because, as required by law, you must surrender your previous state ID when you move and apply for a new one. As someone working at a bank, she should be well aware of this process.

This entire incident appeared to be racially motivated. The excessive suspicion shown by a white employee in a low-income, minority neighborhood says it all.

To make matters worse, almost two months later, I received another call regarding the same transaction. When I reached out to the branch, I was told they no longer had anything to do with it. At this point, I feel harassed, targeted, and uncomfortable. If there are legal concerns, I am always willing to cooperate fully with law enforcement and provide any necessary documentation. 

The customer service experience I have received at TD branches in places like XXXX XXXXXXXX XXXX XXXX  is far superior to what I experienced in XXXX XXXX, MD. This difference in treatment demonstrates a clear lack of consistency in how your customers are served. What I went through is a clear example of prejudice and discrimination.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 — Account information incorrect
Company: Nelnet, Inc.
State: NC

Complaint narrative:
I am filing a complaint under the Fair Credit Reporting Act ( FCRA ) regarding inaccurate and misleading information being furnished and reported on my credit reports by both federal student loan servicers and the XXXX major credit reporting agencies ( XXXX XXXX, and XXXX  ). 
Several student loan accounts are being reported more than once under different names for example, as Dept of Education/NELN, DeptEdNelnet, and Dept of Ed but reflect the same balances, open dates, and status remarks. This causes double-reporting of the same debt, artificially inflates my outstanding student loan balances, and misrepresents my creditworthiness. 
Additionally, payment history is being misrepresented. During periods of federal forbearance under the XXXX XXXX, when no payments were required or due, many credit reports are showing Unknown payment history or blank months. This is being used by credit scoring models ( including XXXX and XXXX ) to suppress my on-time payment percentage, even though no payments were required and the loans were never delinquent. In contrast, my XXXX  history correctly shows these periods as " green '' or neutral highlighting the inconsistency across furnishers and CRAs. 
There are also mathematical errors on multiple tradelines. For example, I am shown as having paid off XXXX XXXX or XXXX XXXX of a loan meaning the current balance is reported as higher than the highest balance, which is impossible and demonstrably false. 
Further, some tradelines are coded with No Info for payment status while also stating Payment Deferred in the remarks section, which creates contradictions in how credit scoring systems interpret the account. 
These are all violations of multiple FCRA provisions, including : XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ) Duty to report accurate, non-misleading information XXXX ( a ) ( XXXX ) Duty to update and correct XXXX and XXXX ( a ) Right to accurate reinvestigation XXXX ( b ) and XXXX ( b ) Credit reporting agencies must maintain maximum possible accuracy XXXX ( c ) CRAs must provide documentation received from furnishers when verification is claimed I have previously disputed this information and/or requested full validation directly from the furnishers and CRAs under my FCRA rights. In many cases, I have not received sufficient documentation to support continued reporting, and no corrective action has been taken. Therefore, I am now asking the CFPB to review this matter and enforce the deletion or full correction of these inaccurate tradelines

Company response to consumer: Closed with explanation