vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 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: GA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am disputing TransUnions continued reporting of a discharged XXXX  XXXX bankruptcy ( Case No. XXXX ), filed in XXXX  in the United States Bankruptcy Court , Northern District of XXXX  . The information is both inaccurate and unverifiable, and TransUnion has failed to provide any valid source of verification. 

Ive submitted multiple disputes with supporting documentation, including a XXXX deletion letter confirming they no longer report the record. XXXX is a known public records vendor for TransUnion. If XXXX has deleted the record, and TransUnion has not identified any other source, then the bankruptcy can not be verified under FCRA guidelines. 

In addition to being unverifiable, TransUnion is reporting inaccurate information in violation of FCRA 607 ( b ), which requires maximum possible accuracy : The case number is misformatted as XXXX the correct number is XXXX The court name is shortened to USBK Court Northern XXXX  the official name is United States Bankruptcy Court , Northern District of XXXX  , Eastern Division The court address is incomplete the XXXX Floor is missing The court phone number is incorrect they list a general number instead of the official public info line ( XXXX ) They label me as the plaintiff, and my attorney as the plaintiffs attorney, which is legally incorrect. In XXXX  XXXX bankruptcy, I am the debtor, not a plaintiff. 

I also requested, as allowed under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), the name and contact information of the data furnisher used to verify this bankruptcy. TransUnion has not provided that information. Instead, they continue to claim the item was verified despite no active vendor furnishing the data, and no proof that a courthouse employee verified anything. This lack of transparency and accountability violates my rights under the Fair Credit Reporting Act.

Because the item is both unverifiable and factually inaccurate, I am requesting full deletion of this bankruptcy from my TransUnion credit report in accordance with FCRA 611 ( a ) ( 5 ) ( A ).

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 2025-07-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: UT

Complaint narrative:
I was a student nearly XXXX XXXX  ago and took out a student loan that was fully paid off for over XXXX years now. Recently, I have been contacted by Nelnet ( never heard of them before this ), claiming that I still owe on XXXX student Loans XXXX totaling {$3500.00} and the second {$1700.00}. To make matters worse, they have been withdrawing money from a bank account of mine without authorization. 

When I inquired about the charges and where the funds were being applied, Nelnet representatives were unable to provide any clear explanation. They could not even see how they were receiving my payments. Since this began, XXXX or XXXX payments have been missed on XXXX separate loans totaling XXXX missed payments, and my credit score has been significantly affected as a result. 

I believe I am being wrongfully targeted in what feels like a scam. No one from Nelnet has provided any meaningful assistanceonly demands for payment on a loan I did not authorize and that I believe should not exist. I am requesting a thorough investigation and immediate resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: IA

Complaint narrative:
I am filing this complaint in response to XXXX charge-off accounts that are currently being reported on my Experian, XXXXXXXX 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. These accounts are being reported with derogatory charge-off statuses {$2300.00}, {$4900.00}, and {$15000.00} * * respectivelybut none of them should remain on my credit reports at this point, nor should they carry such damaging and outdated notations. 

These accounts are not only over a decade old in some cases, but theyve been settled, paid, or resolved through previous disputes. I have made every effort to clean up and maintain an accurate credit profile, not just for my financial health, but also for the stability of my family and long-term goals. Seeing these outdated charge-offs still appearingafter so many years and after taking the proper stepsfeels like a slap in the face. Its as if no matter how much work I put into building my credit back up, Im still being dragged down by errors or negligence from the very systems that are supposed to protect consumers. 

The emotional toll is significant. Ive had applications denied, rates increased, and opportunities lostnot because of who I am today, but because of outdated, possibly mishandled, and unverifiable data that continues to follow me like a shadow. I am not claiming fraud or identity theft, but I do strongly believe these entries may have persisted due to poor data maintenance or errors stemming from a data breach or record mismatch. These accounts are relics of the past, and their presence on my reports now is more damaging than informative.

The Fair Credit Reporting Act ( FCRA ), under 15 U.S.C. 1681e ( b ), requires
credit bureaus to maintain maximum possible accuracy in all consumer reporting. Once a dispute has been submitted, they are also bound under 15 U.S.C. 1681i to reinvestigate the item thoroughly. If the account can not be verified with current, accurate documentation, then it must be removed or corrected. Simply leaving the burden on the consumer indefinitely is not just unfairits unlawful.

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 2025-07-08 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: IL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

INQUIRIES : XXXXXXXX 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 explanation
Consumer complaint received 2025-07-08 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: PA

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

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and f
raud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : 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, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$48.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$4.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$1100.00} 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, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} UXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00}

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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: MO

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

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX MO XXXX ACCOUNTS : XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6100.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$15000.00XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$890.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$310.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: TX

Complaint narrative:
To Whom It May Concern, I am filing this complaint against Experian for their continued failure to accurately report my credit information and to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Experian is currently reporting a collection account from XXXX XXXX XXXX, a debt buyer for XXXX XXXX, which is beyond the seven-year reporting period allowed under FCRA 605 ( a ). The date of first delinquency associated with this account is more than XXXX years old, and both XXXX XXXX XXXX have already removed the account from my credit report in recognition of its obsolete status. 

I have disputed this account with Experian directly, but they have failed to correct or remove it, and continue to report inaccurate and outdated information. This has negatively impacted my credit standing and violates my rights under federal law. 

I am requesting that the CFPB investigate Experians reporting and ensure they are held accountable for non-compliance with federal consumer protection laws. I also request that this account be removed from my Experian credit report immediately and that corrective action be taken to prevent further harm. 

Thank you for your attention to this 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 2025-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: WSFS FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am a survivor of XXXX XXXX and economic abuse, and this overdraft account was incurred during a period of coercive control and financial hardship while I was fleeing my XXXX  with my children. I submitted certified documentation to WSFS Bank on XX/XX/year>, including copies of restraining orders and police reports and explaining the circumstances and requesting removal of the tradeline as a form of economic abuse relief under the Fair Credit Reporting Act and related protections.

WSFS responded on XX/XX/year>, confirming receipt of my letter but made no acknowledgment of the abuse or financial hardship I detailed. Instead, they offered a pay-for-delete settlement for {$1100.00} ( 50 % of the balance ), but gave a strict deadline of XX/XX/year>. Due to my ongoing financial hardship as a result of displacement and caring for my children alone, I was unable to meet that deadline. 

I am requesting that the CFPB investigate WSFS Banks failure to offer any accommodations or victim assistance despite clear documentation of abuse. I am also requesting removal or suppression of this account from my credit report under applicable federal protections for victims of XXXX XXXX and economic abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: NC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ 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 2025-07-08 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: CO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
This is related to a previous CFPB complaint ( XXXX XXXX. XXXX ) which has since been closed. I am filing a new complaint because I have uncovered serious inaccuracies and potentially fraudulent actions involving income falsification at the dealership level. 
At the time of the auto loan approval with Santander Consumer USA, my income was falsified by the dealership. 

I did not report, sign, or confirm a monthly income of {$3800.00}, as claimed by Santander in their official response to my previous CFPB complaint ( XXXX XXXX. XXXX ). My income at the time was significantly lower. I believe the dealership submitted fraudulent information on the credit application to secure financing approval without my knowledge or consent. 

I am requesting an investigation into : How Santander verified the income information Whether a third party ( the dealership ) submitted the credit application A copy of the credit application with a clear audit trail of who entered the information I believe this is a violation of fair lending practices and request this issue be escalated. I am a military-bound consumer trying to responsibly manage this auto loan, but I am being held accountable for debt based on inaccurate financial reporting. 

Please assist me in resolving this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I Have a credit card statement that says that I don't have a balance due, and the date of the statement is XX/XX/year> XXXX XXXX for the account ending in XXXX, the statement says payment date XXXX XXXX, new balance is XXXX and the minimum payment is XXXX, previous balance was at XXXX, payments XXXX, so the problem is that they are still reporting that I am late on payments, something needs to be done with this company, or I'll file a lawsuit this is unfair credit reporting

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 2025-07-08 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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