vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/year> I decided to check my credit reports with the " XXXX XXXX ''. The first one that I came across was from Experian. To my surprise the first thing that I noticed was under the section entitled " names '', they have several different names listed for me. I only have XXXX name which they also have listed in my consumer credit report. I am asking that they remove they other excess names for aforementioned reason. As I continued to read the Experian report I was also shocked to see under the section entitled " Addresses '' they have over XXXX addresses listed for me. I only reside at XXXX place which they do not have listed on my consumer report at at. I have spoken to Experian now several times which also includes me following their direction and doing so in writing which cost me {$10.00} in postage for them to still not have the correct information. I am very upset about this and really would like the issues at hand to be fixed. 
On XX/XX/year> the next consumer credit report that I looked at was from TransUnion. As with Experian they have incorrect information as far as my name and address is concerned. As stated earlier in this complaint I only have XXXX legal name. I have submitted in print to TransUnion that the information that they have on my file is wrong and have requested that it be updated, in which I have not yet seen. 
On XX/XX/year> I got to my third and final consumer credit report which was from EquixFax. And just like the other XXXX they have incorrect information as far as what my legal name and address is XXXX also submitted in writing as requested for them to update the inaccurate information. I have not seen any change other than negative actions taken in my consumer 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 non-monetary relief
Consumer complaint received 2025-06-22 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: MD

Complaint narrative:
On XX/XX/year> I decided to check my credit reports with the " XXXX XXXX ''. The first one that I came across was from Experian. To my surprise the first thing that I noticed was under the section entitled " names '', they have several different names listed for me. I only have XXXX name which they also have listed in my consumer credit report. I am asking that they remove they other excess names for aforementioned reason. As I continued to read the Experian report I was also shocked to see under the section entitled " Addresses '' they have over XXXX addresses listed for me. I only reside at XXXX place which they do not have listed on my consumer report at at. I have spoken to Experian now several times which also includes me following their direction and doing so in writing which cost me {$10.00} in postage for them to still not have the correct information. I am very upset about this and really would like the issues at hand to be fixed. 
On XX/XX/year> the next consumer credit report that I looked at was from TransUnion. As with Experian they have incorrect information as far as my name and address is concerned. As stated earlier in this complaint I only have XXXX legal name. I have submitted in print to TransUnion that the information that they have on my file is wrong and have requested that it be updated, in which I have not yet seen. 
On XX/XX/year> I got to my third and final consumer credit report which was from EquixFax. And just like the other XXXX they have incorrect information as far as what my legal name and address is XXXX also submitted in writing as requested for them to update the inaccurate information. I have not seen any change other than negative actions taken in my consumer 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 2025-06-22 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX, Navient, and XXXX for willful and repeated violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Over a period spanning several years, I submitted formal credit reporting disputes to both credit bureaus and data furnishers regarding inaccurate student loan information, including accounts that were reaged, incorrectly reported as delinquent, or failed to reflect discharged obligations. Despite multiple disputes in XXXX and XXXX, these entities did not conduct reasonable investigations, and in many cases, ignored or improperly verified the erroneous information. 

I have filed a federal civil case in the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under the FCRA against these entities. During discovery, some defendants delayed production of internal documents and depositions, undermining my ability to obtain timely evidence before the close of fact discovery. The defendants also cooperatively engaged in backdating forbearance approvals to wipe out any repayment history and DOFD with the original creditor, XXXX, as well as fabricating documentation. I have direct evidence. I believe their actions constitute a systemic disregard for FCRA obligations and harm not only to me, but to many other consumers similarly affected as it relates to reaging student loan accounts and reporting adverse information beyond the permissible XXXX year reporting period under the FCRA. 

The inaccurate reporting caused me significant financial and emotional harm, including higher interest rates on auto loans and the denial of mortgage loans. I request that the CFPB investigate these institutions systemic failure to comply with the FCRAs dispute and reinvestigation requirements and impose regulatory or enforcement action if appropriate. The actions by the defendants named in my case are willful and egregious and likely affects millions of similarly situated student loan borrowers who need to be informed of how to protect themselves and understand how the defendants ' intentional and systemic method/manner of reaging account information is conducted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: SC

Complaint narrative:
This letter is a formal dispute and demand for the immediate removal of inaccurate, unverifiable, and illegally reported charge-off account ( s ) from my Experian credit report. These accounts are not only damaging but also violate my consumer rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  all showing false inquiries. 

Experian is currently reporting these accounts as charged off, which is either inaccurate, outdated, settled, or not lawfully verifiable. Under FCRA 1681i, Experian is required to remove any information that can not be verified or is reporting inaccurately. Furthermore, reporting a charge-off account that has been resolved ( e.g. paid, settled, or transferred ) without updating the status violates the FCRAs accuracy standards ( 1681e ( b ) ).

Additionally, under CFPA 5531, it is illegal for any consumer reporting agency to engage in unfair, deceptive, or abusive acts or practices ( UDAAPs ). Continuing to knowingly report an inaccurate charge-off, or failing to correct/remove it after being notified, is a direct violation of this federal law.

You have 30 days to : 1. Conduct a full investigation.

2. Provide written results with verification documents.

3. Delete any charge-off or other negative entries that can not be 100 % verified or legally reported.

If this matter is not resolved promptly, I will not hesitate to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. I am also prepared to pursue legal action for damages under FCRA 1681n and 1681o.

Attached are documents verifying my identity. I expect full compliance and written confirmation within 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
This letter is a formal dispute and demand for the immediate removal of inaccurate, unverifiable, and illegally reported charge-off account ( s ) from my Experian credit report. These accounts are not only damaging but also violate my consumer rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  all showing false inquiries. 

Experian is currently reporting these accounts as charged off, which is either inaccurate, outdated, settled, or not lawfully verifiable. Under FCRA 1681i, Experian is required to remove any information that can not be verified or is reporting inaccurately. Furthermore, reporting a charge-off account that has been resolved ( e.g. paid, settled, or transferred ) without updating the status violates the FCRAs accuracy standards ( 1681e ( b ) ).

Additionally, under CFPA 5531, it is illegal for any consumer reporting agency to engage in unfair, deceptive, or abusive acts or practices ( UDAAPs ). Continuing to knowingly report an inaccurate charge-off, or failing to correct/remove it after being notified, is a direct violation of this federal law.

You have 30 days to : 1. Conduct a full investigation.

2. Provide written results with verification documents.

3. Delete any charge-off or other negative entries that can not be 100 % verified or legally reported.

If this matter is not resolved promptly, I will not hesitate to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. I am also prepared to pursue legal action for damages under FCRA 1681n and 1681o.

Attached are documents verifying my identity. I expect full compliance and written confirmation within 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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: TX

Complaint narrative:
I am filing this complaint against XXXX, Equifax, XXXX XXXXXXXX, and XXXX for willful and repeated violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Over a period spanning several years, I submitted formal credit reporting disputes to both credit bureaus and data furnishers regarding inaccurate student loan information, including accounts that were reaged, incorrectly reported as delinquent, or failed to reflect XXXX obligations. Despite multiple disputes in XXXX and XXXX, these entities did not conduct reasonable investigations, and in many cases, ignored or improperly verified the erroneous information. 

I have filed a federal civil case in the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XXXX ) under the FCRA against these entities. During discovery, some defendants delayed production of internal documents and depositions, undermining my ability to obtain timely evidence before the close of fact discovery. The defendants also cooperatively engaged in backdating forbearance approvals to wipe out any repayment history and DOFD with the original creditor, XXXX, as well as fabricating documentation. I have direct evidence. I believe their actions constitute a systemic disregard for FCRA obligations and harm not only to me, but to many other consumers similarly affected as it relates to reaging student loan accounts and reporting adverse information beyond the permissible XXXX year reporting period under the FCRA. 

The inaccurate reporting caused me significant financial and emotional harm, including higher interest rates on auto loans and the denial of mortgage loans. I request that the CFPB investigate these institutions systemic failure to comply with the FCRAs dispute and reinvestigation requirements and impose regulatory or enforcement action if appropriate. The actions by the defendants named in my case are willful and egregious and likely affects millions of similarly situated student loan borrowers who need to be informed of how to protect themselves and understand how the defendants ' intentional and systemic method/manner of reaging account information is conducted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Prosper Marketplace, Inc.
State: FL

Complaint narrative:
REQUEST FOR FORM 1099-C ( CANCELLATION OF DEBT ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Prosper Marketplace Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Form 1099-C Charged-Off Account Dear Prosper Customer Service, I am writing to formally request a copy of Form 1099-C ( Cancellation of Debt ) for Loan # XXXX, which has been reported as charged-off. Below are the relevant details regarding the account : Account Holder Name : XXXX XXXX XXXX Account Number : Loan # XXXX Date Opened : XX/XX/XXXX Last Four Digits of SSN : XXXX According to IRS regulations ( Section 6050P of the Internal Revenue Code ), financial institutions are required to issue Form 1099-C if a debt of {$600.00} or more has been canceled or forgiven. I am requesting a copy of this form for my records and to fulfill my tax obligations.

If Form 1099-C has not been issued, I kindly request a written confirmation explaining the reason. Additionally, I would appreciate clarification regarding any outstanding balance and whether any further action is required on my part. 

Please send the requested documentation to the address provided above at your earliest convenience. Should you require any additional information, you may contact me at XXXX I appreciate your prompt attention to this matter and look forward to your response. 



Sincerely, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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:
I sent detail letters explaining and asking for removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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 sent detail letters explaining and asking for removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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: FC HoldCo LLC
State: AR

Complaint narrative:
Flagship credit XXXX got a copy of my credit report without my ok XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - I did not give pro mission to get a copy of my credit report -- - I got a lot of inquiries on the date of XX/XX/XXXX and XXXX 2025  please remove from 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 2025-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Newrez DBA Shellpoint Mortgage Servicing has denied my loan modification application based on the following ( quote unquote ) : " For clarification, the loan modification was declined based on the Net Present Value ( NPV ) analysis, which compares the projected cash flow the investor would receive if the loan were modified against the expected cash flow if it is not '' However, Newrez has never provided the above-mentioned critical for their decision NPV calculations. I assume Newrez has been involved to data mining and manipulation to arrive at the denial decision. 
PROVIDE THE NPV VALUE CALCULATIONS. 

Furthermore, while employing the data manipulation, Newrez DBA  Shellpoint Mortgage Servicing has used a highly inflated market value of my property- {$830000.00}. Read below ( quote unquote ) : " Property valuations can vary among appraisers because an appraisal reflects an opinion of value, not a definitive figure. While grounded in data and professional standards, different methodologies and judgment calls can result in varying conclusions. Accordingly, Shellpoint can not comment on discrepancies between the County Appraisal Districts valuation and the assessment provided by our third-party vendor. '' XXXX County Appraisal District- the legitimate government body where my property located has valued my property at {$700000.00}. In its attempt to distort the data, Newrez brands the main legitimate government authority as " a third-party vendor : In its attempt to throw a family of five, including three children, Newrez DBA Shellpoint Mortgage Servicing is exploiting illegal and immoral ground in its denial of my loan modification application.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: NV

Complaint narrative:
I had a discover card with a large credit limit. In XXXX, Discover contacted me to say that if I did not give them my tax return, they would close my account. I had never been late with payment or had any problems. Knowing my tax returns are protected from release, I refused, and the account was closed. Now, in XXXX, I receive a notice stating that for the last four years, they have owed me {$15.00} for overpayment and yet sent no money. I would think interest would be owed, because if I were four years late on a payment to them, interest would be astronomical.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Crabtree Law, PA
State: FL

Complaint narrative:
XXXX Turned Me Over to Collections During Financial Hardship Without Proper Notice Full Complaint Description : I am a homeowner in Florida whose HOA is managed by XXXX XXXX. In XX/XX/year>, I lost my job and immediately notified XXXX XXXX that I was experiencing financial hardship and could not afford to pay the HOA fees at that time, not even my mortgage. Despite that, they turned my account over to a third-party attorneys office ( Crabtree Law Group XXXX XXXX. XXXX without proper notice, options for payment plans, or attempts to work with me on any resolution. 



To make matters worse, I also informed XXXX XXXX that I was unable to receive mail from the HOA because the previous homeowner took the mailbox key with her, and I had no access to important notices. They did not respond appropriately or offer any alternatives to communicate with me. XXXX XXXX and CrabTree Law Firm in XXXXXXXX XXXX have placed me in a significant financial hardship to where I was unable to pay mortgage while I was unemployed and looking for employment. 

Now Im facing collection threats, an expired payoff letter, and a law firm that refuses to provide updated documentation. I requested an itemized payoff amount, which they refused to send. They are threatening a lien without providing a valid amount due and are stating that Ive missed my window to dispute, which I believe is deceptive and abusive under the Fair Debt Collection Practices Act. 

I have documentation proving that I communicated in good faith throughout this process. I am trying to resolve this but am being financially and emotionally pressured by a process that has lacked transparency, empathy, and basic communication from both XXXX XXXX and Crabtree Law Group. 



I am asking the CFPB to investigate these collection practices and the failure to notify, accommodate, or communicate with a homeowner in financial distress.

Company response to consumer: Closed with explanation