vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 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: Exeter Finance, LLC.
State: NY

Complaint narrative:
I was coerced and forced to sign a contract with Exeter finance for account number XXXX. This transaction was not voluntary, nor was it entered into with free and informed consent - a fundamental requirement for a legally enforceable contract. This account is fraudulently and unlawfully being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, XXXX XXXX instructed his team of the department of Government Efficiently ( DOGE ) to gain access to multiple internal systems within the Department of Education, including financial aid data set that contains personal information of millions of students enrolled in the federal student aid program. My information was among that database that has been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-03-17 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: LA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: NY

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-03-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a complaint regarding several unauthorized credit inquiries reported by TransUnion on my credit file. These inquiries were made without my consent. After contacting the creditors responsible, they confirmed that they have no signed application, contract, or permissible purpose authorizing such inquiries. Despite having submitted a formal dispute directly with TransUnion, these inquiries remain on my report, and TransUnion has not provided any verifiable documentation proving my authorization. 

Additionally, I am concerned that TransUnions investigation relied on the EOSCAR system, which, according to the Consumer Financial Protection Bureau ( CFPB ), has known limitations and may not be sufficient to verify underlying documentation.

These inquiries violate several provisions of the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681b ( lack of permissible purpose ), 15 U.S.C. 1681i ( failure to remove unverifiable information ), 15 U.S.C. 1681g ( failure to adequately verify inquiries ), and 15 U.S.C. 1681s-2 ( data furnishers responsibility to report accurate and verifiable information ). 
The specific inquiries in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Additionally, court precedents such as XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) establish that accessing a credit report without proper authorization is a violation of the FCRA.

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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
Im a victim of identity theft I reached out to the credit bureaus and the items are still on my credit reports. Please delete all items affected by 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 2025-03-17 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: TX

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 reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a loan account with XXXX XXXX XXXX opened on XX/XX/year>. I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent item. I do not recognize this account as reported. This item appearing on my consumer credit report was not opened, made, or initiated by me and is the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that this consumer credit account is the result of identity theft and fraud.

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 2025-03-17 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: MD

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: MD

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: LA

Complaint narrative:
XXXX and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX and Equifax inaction violates federal law and my rights as a consumer.

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 2025-03-17 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: TN

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
This complaint involves Citibank regarding the misapplication of payments and incorrect late reporting on my account. This is a recurring issue, as I previously submitted complaint # XXXX regarding similar concerns. 

On XX/XX/XXXX, I agreed to a repayment plan with Citibank. 
On XX/XX/XXXX, I made two payments ( {$180.00} and {$92.00} ), which I understood would bring my account current for XXXX and XX/XX/XXXX based on information provided by a Citibank representative. Despite this, Citibank continues to report my account as late. On XX/XX/XXXX, I spoke with a representative ( ID : XXXX ) who stated that because I did not make an additional payment in XXXX, my account is considered past due. 

On XX/XX/XXXX I spoke with XXXX XXXX who indicated the account is not past due but the XXXX payment was not received. Even thought a payment was made on XX/XX/XXXX I would still need to make the payment that is due XX/XX/XXXX in spite the fact of XXXX confirming the account is current based on the repayment program. 

This contradicts the {$0.00} past due balance shown in my online Citibank account. Of which I have attached supporting evidence. Citibanks own correspondence states that payments can be made on or before the XXXX of the month. My XX/XX/XXXX, payment should have covered XX/XX/XXXX, as it was made within the allowable timeframe. Citibank appears to be applying payments strictly by chronological month rather than honoring their stated policy of allowing early payments. 

This situation has caused unnecessary damage to my credit report and financial standing, despite my adherence to the agreed-upon repayment plan. I request an immediate review of this issue and a formal response from Citibank through the CFPBs complaint resolution process.

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 2025-03-17 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 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 2025-03-17 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 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 non-monetary relief
Consumer complaint received 2025-03-17 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: CA

Complaint narrative:
On XX/XX/year>, the Department of Government Efficiency ( DOGE ) accessed my student loan records without my consent. This unauthorized access included personally identifiable information, such as my loan balance, repayment history, and Social Security number. I became aware of this breach on XX/XX/year>, when I saw an article from XXXX news detailing the unauthorized access.

Upon learning of this breach, I filed a FERPA complaint with the U.S. Department of Education 's Student Privacy Policy Office ( SPPO ) on XX/XX/year>. My complaint outlined the unauthorized disclosure of my financial records and requested immediate corrective action. Additionally, I filed a formal complaint with the Federal Student Aid ( FSA ) Feedback Center on the same date ( Case number can be provided if necessary ), requesting an investigation and remedy for the breach, including the dissolution of my student loans as compensation for this violation. 

Despite these efforts, I have not received any confirmation from Nelnet, my loan servicer, regarding whether they were aware of or involved in this data breach. As a federal loan borrower, I entrusted my loan servicer and the Department of Education to safeguard my personal financial data. However, this privacy violation has compromised my personal and financial security, causing significant distress and requiring me to take additional steps to protect my identity and monitor my credit. 

I am requesting the Consumer Financial Protection Bureau ( CFPB ) to investigate this unauthorized access, ensure accountability from all involved parties, and provide a resolution that includes the full discharge of my student loans due to this egregious breach of privacy. I also request a formal response from Nelnet detailing their role in this breach and outlining the steps they are taking to prevent further unauthorized access. 

This situation has created an undue burden on me as a borrower, and I expect immediate action to rectify this violation. I appreciate the CFPB 's assistance in addressing this matter and look forward to a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: NJ

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-03-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LD Holdings Group, LLC
State: DC

Complaint narrative:
XXXX XXXX XXXX ( living in property ) XXXX XXXX XXXX ( name is on the deed of property ) Job loss XX/XX/XXXX XXXX Loan Depot XX/XX/XXXXXXXX XXXX complete application XX/XX/XXXX approved to not my mortgage payments for 6 months XX/XX/XXXX, contacted Loan Depot to start back making mortgage payments. 
XX/XX/XXXX : Informed loan Depot my father lives in Georgia and needs the documents. 
XX/XX/XXXX : Loan Depot request split signature XX/XX/XXXX : submitted partial loan documents signed and notarized XX/XX/XXXX : Loan forgot to send me one of pages from the documents. ( we had to redo ) XX/XX/XXXX ( 1st rejection ) Loan Depot re-issued me the partial loan documents XX/XX/XXXX Loan Depot sent XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX documents to be signed and notarized. 
XX/XX/XXXX ( 2nd rejections ) XXXX XXXX XXXX proactive with Loan Depot to figure why documents are getting rejected. 
XX/XX/XXXX Loan Depot stated it was because of the notary XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX together in Georgia sign/notarized documents. 
XX/XX/XXXX ( 3rd rejection ) Loan Depot states due to notary on the phone and mailed letter saying it was incomplete. ( I am not sure what the letter meant because it was vague ) XX/XX/XXXX ( 4th rejection ) The same reasons XX/XX/XXXX ( 5th rejection ) This time XXXX XXXX ( loan Depot ) shared a section on application I was suppose to check yes or no and check a box for a response. 
XX/XX/XXXX re-applied for the same process XX/XX/XXXX approved for the partial claim again XX/XX/XXXX : Told loan depot again that we need split signatures because my father lives in Georgia and his name is on my deed. 
XX/XX/XXXX : XXXX XXXX XXXX received his documents XX/XX/XXXX : XXXX XXXX did not receive his documents XX/XX/XXXX : I contacted loan depot regarding XXXX XXXX XXXX not receiving the documents, Loan Depot informed me the request was not put in, and they had to redo the request to send XXXX XXXX XXXX the documents. 
XX/XX/XXXX : XXXX XXXX XXXX received the documents 5 days later ( Loan Depot claim to overnight, but they did not ) XX/XX/XXXX : XXXX XXXX & XXXX XXXX XXXX signed/notarized documents and sent them using the envelope provided by Loan Depot. 
XX/XX/XXXX : Call about documents no updates XX/XX/XXXX : another rejection notice of the documents, due to a reason Loan Depot can not explain. They put me on hold, and suppose to return call, repeated escalation of matter because of being told different things by each representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: PA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 non-monetary relief
Consumer complaint received 2025-03-17 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: PA

Complaint narrative:
I was alarmed that there are inaccurate late payment remarks on my 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