vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 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: PA

Complaint narrative:
I submitted a dispute to TransUnion and Experian regarding inaccurate information on my credit report. It has now been over 49 Days! its almost 60 days and I have not received a response. This is a violation of the Fair Credit Reporting Act ( FCRA ) which requires a response within 30 days. I am requesting deletion of the disputed item due to failure to respond in a timely manner. I have attached my certified mail receipt showing delivery.

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 2025-04-14 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear CFPB Representative, I am filing this formal complaint against TransUnion, Experian, and Equifax regarding multiple instances of inaccurate, inconsistent, and unverifiable reporting on my credit reports dated XX/XX/XXXX. 

Despite my efforts to dispute these accounts directly with the credit bureaus, the following items remain unresolved or are being reported in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811681x : Summary of Violations Across All 3 Credit Reporting Agencies : 1. XXXX XXXX XXXXXXXX ( Account # : XXXX ) Reported as a repossession with a balance of {$8400.00} despite no payment activity since XX/XX/XXXX. 

The loan terms show $ XXXX payments, indicating the account is inactive but still listed with derogatory status. 

Violation : Failure to update obsolete information under FCRA 1681c ( a ) ( 4 ) and 1681e ( b ). 

XXXX. XXXX XXXX ( Account # : XXXX ) Each bureau reports conflicting statuses including paid in full charge-off, consumer disputes after resolution, and closed by grantor. 

Dates, balances, and delinquency history differ by bureau. 

Violation : Inconsistent data across bureaus and continued reporting of a disputed debt without resolution under FCRA 1681s-2 ( a ) ( 1 ). 

XXXX. XXXX XXXX XXXXXXXX / XXXX ( Account # : XXXX Multiple Loans ) Seven student loan accounts are reported with duplicate or fragmented data. 

Payment histories, balances, and delinquency dates are inconsistent across all three bureaus. 

Some payments from XXXX and XXXX are not reflected at all. 

Violation : Misreporting and failure to maintain accurate records per FCRA 1681e ( b ) and 1681i ( a ). 

XXXX. XXXX XXXX XXXX ( Account # : XXXX ) Appears only on Equifax as a charge-off with no payment or activity history since XXXX. 

No match on TransUnion or Experian. 

Violation : Incomplete data reporting and likely re-aging of debt. 

XXXX. XXXX XXXX XXXX ( Account # : XXXX & XXXX ) Two collections accounts reported with no terms, payment history, or validation. 

Appear to be outdated or unverifiable debt. 

Violation : Unverifiable and outdated information potentially re-aged in violation of FCRA 1681c and 1681s-2 ( b ).

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 2025-04-14 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: CA

Complaint narrative:
Dear CFPB Representative, I am filing this formal complaint against TransUnion, Experian, and Equifax regarding multiple instances of inaccurate, inconsistent, and unverifiable reporting on my credit reports dated XX/XX/XXXX. 

Despite my efforts to dispute these accounts directly with the credit bureaus, the following items remain unresolved or are being reported in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811681x : Summary of Violations Across All 3 Credit Reporting Agencies : 1. XXXX XXXX XXXXXXXX ( Account # : XXXX ) Reported as a repossession with a balance of {$8400.00} despite no payment activity since XX/XX/XXXX. 

The loan terms show $ XXXX payments, indicating the account is inactive but still listed with derogatory status. 

Violation : Failure to update obsolete information under FCRA 1681c ( a ) ( 4 ) and 1681e ( b ). 

XXXX. XXXX XXXX ( Account # : XXXX ) Each bureau reports conflicting statuses including paid in full charge-off, consumer disputes after resolution, and closed by grantor. 

Dates, balances, and delinquency history differ by bureau. 

Violation : Inconsistent data across bureaus and continued reporting of a disputed debt without resolution under FCRA 1681s-2 ( a ) ( 1 ). 

XXXX. XXXX XXXX XXXXXXXX / XXXX ( Account # : XXXX Multiple Loans ) Seven student loan accounts are reported with duplicate or fragmented data. 

Payment histories, balances, and delinquency dates are inconsistent across all three bureaus. 

Some payments from XXXX and XXXX are not reflected at all. 

Violation : Misreporting and failure to maintain accurate records per FCRA 1681e ( b ) and 1681i ( a ). 

XXXX. XXXX XXXX XXXX ( Account # : XXXX ) Appears only on Equifax as a charge-off with no payment or activity history since XXXX. 

No match on TransUnion or Experian. 

Violation : Incomplete data reporting and likely re-aging of debt. 

XXXX. XXXX XXXX XXXX ( Account # : XXXX & XXXX ) Two collections accounts reported with no terms, payment history, or validation. 

Appear to be outdated or unverifiable debt. 

Violation : Unverifiable and outdated information potentially re-aged in violation of FCRA 1681c and 1681s-2 ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: SC

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: IL

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 explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Nelnet, Inc.
State: MA

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
I closed on a VA loan assumption in XXXX of XXXX. It is now XXXX of XXXX. I have been waiting for the my online account to be generated. I have called in multiple times asking for an update or a timeline. Freedom Mortgage continues to state that there is no timeline and that I will receive something in the mail when my account is generated. I have asked if that means I could be waiting a year?, 2 years?, 3 years?, 20 years?. Freedom Mortgage continues to state that there is no timeline to account generation. 

In addition Freedom Mortgage has allowed someone other than me or my spouse to change our address in the system which has resulted in mortgage statements and tax forms being sent to the prior owners current address.I corrected this issue twice with Freedom Mortgage however their customer service escalation team can not tell me how this happened or why it has happened multiple times. The only reason we knew about the change was from XXXX showing a fraud alert. 

I have no means in which to view my account information with Freedom Mortgage and have no timeline for when they will correct the account information within their system to accurately reflect the sale of the home.

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 2025-04-14 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: AL

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-04-14 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-04-14 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: FL

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

"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: OR

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: OR

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 2025-04-14 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: OR

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 2025-04-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
I have a debt collection notice from Jefferson Capitol from XXXX for a bill of {$5200.00}. I do not have and have never had an account with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Revolut Technologies Inc.
State: WA

Complaint narrative:
I received funds into my account in XXXX. It's XXXX that is restricted and it has been almost 4 weeks since my funds are made unavailable for me to use. I contacted Revolut several times without any luck. They have done nothing so far and are not releasing my funds even after providing all the details they requested. After several interactions with the agents and getting frustrated, I told them that I am going to complain to CFPB. They closed my case without resolving it and my money is still with them and unavailable for me to use. It has been very stressful both financially and mentally. I request you to take this very seriously and help me get my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: FL

Complaint narrative:
I am filing this complaint to formally address my concerns regarding an unverified account reported by XXXX XXXX XXXX that remains on my credit reports despite my repeated disputes. 

The account in question has been consistently marked as " verified '' by Experian and Transunion, even though no sufficient evidence has been provided to substantiate its accuracy. As per the Fair Credit Reporting Act ( FCRA ), under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus are required to conduct a reasonable investigation into any disputed information. Furthermore, 15 U.S.C. 1681i ( a ) ( 2 ) mandates that if the furnisher of the disputed information fails to provide verifiable proof of its accuracy, the credit bureau must promptly remove the information from the consumer 's credit file. 

It is important to note that this debt originated with XXXX XXXX, was referred to XXXX XXXX XXXX XXXX, and is now associated with other third-party entities. Despite my efforts to uncover who is ultimately responsible for reporting this debt, I have been unable to obtain clear answers. Each company I contact redirects me back to another, creating a frustrating cycle with no resolution.

Additionally, the address identification number associated with this debt on Experians records does not match any of my current addresses. This discrepancy violates Section 605 ( b ) of the FCRA ( 15 U.S.C. 1681c ), which mandates accuracy in reporting.

Despite my attempts to seek clarification and validation of this debt, I have been met with legal threats from the debt collectors involved, which constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ) under Regulation XXXX The lack of transparency, ongoing inaccuracies, and threats of legal action are unacceptable and have caused significant distress.

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 2025-04-14 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account 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

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 2025-04-14 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account 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

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 2025-04-14 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: TX

Complaint narrative:
I am filing this formal complaint against TransUnion LLC due to their continued and willful reporting of multiple inaccurate and unverifiable accounts on my credit file. These disputes have been raised several times through certified written correspondence and the Consumer Financial Protection Bureaus dispute platform. Despite these efforts, TransUnion refuses to remove the accounts in questioneven after XXXX, another major credit bureau, permanently deleted one of the same accounts after determining that it was unverifiable and failed to meet legal standards for reporting. 

The accounts I am disputing with TransUnion include the following : XXXX XXXX XXXX XXXX XXXX XXXX / Account # XXXX XXXX XXXXXXXX XXXX XXXX/ Account # XXXX XXXX XXXX Account # XXXX TransUnion has consistently claimed, both through representatives and supervisors, that my mailed disputes were not received. However, their responses via the CFPB portal confirm that they were, in fact, received. This pattern of dismissive behavior reflects intentional stall tactics, a bad faith effort to avoid reinvestigation, and a willful refusal to comply with federal law. Under Section 623 of the Fair Credit Reporting Act, this conduct constitutes defamation and willful injury to my personal and financial character.

The case of Cushman v. TransUnion Corp., 115 F.3d 220 ( 3rd Cir. 1997 ), established that credit reporting agencies can not merely relay disputes to data furnishers but must conduct meaningful reinvestigations. TransUnion 's exclusive reliance on the automated E-OSCAR system fails to meet the legal standard required under 15 U.S.C. 1681i.

The Henson case further reinforced that credit reporting agencies must follow " reasonable procedures to assure maximum possible accuracy '' per 15 U.S.C. 1681e ( b ), beyond merely accepting a furnisher 's verification.

Additionally, an FTC opinion letter by LeFevre states that credit reporting agencies and furnishers can not continue reporting accounts that haven't been properly verified. Nelson v. Chase Manhattan, 282 F.3d 1057 ( 9th Cir. 2002 ) confirmed that once notified of inaccuracies, credit reporting agencies must conduct proper reinvestigations and correct errors or face liability for continued reporting of inaccurate information.

TransUnion has failed to produce documentation, verify information through lawful means, or validate debts as required under Section 809 ( b ) of the Fair Debt Collection Practices Act. This conduct directly contravenes the established legal precedents regarding a consumer reporting agency 's reinvestigation obligations.

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