vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-05 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: AR

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX rights.

EQUIFAX 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 rights.

EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 non-monetary relief
Consumer complaint received 2025-03-05 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: MO

Complaint narrative:
I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT AND NOTICED FRAUDULENT ACCOUNTS ON MY REPORT. I HAD A XXXX IN 2019 AND MY PERSONAL INFORMATION WAS COMPROMISED THAT SAME YEAR AND AGAIN DURING THE XXXX DATA BREACH. I HAVE NO KNOWN KNOWLEDGE OF THESE ACCOUNTS AND THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT.

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 2025-03-05 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: LA

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 2025-03-05 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: NC

Complaint narrative:
I am writing to formally request the forgiveness of my student loans due to a severe violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ). It has come to my attention that XXXX XXXX and DOGE ( Dogecoin-related entities ) have gained unauthorized access to my personal student loan information, including my Social Security number, financial records, and loan details, without my knowledge or consent. This breach of privacy not only constitutes a direct violation of federal law but has also exposed me to potential financial and personal harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
All of these were inquiries made on my credit report without my permission. I am XXXX and have been for the past 6 years and I believe someone has taken advantage of my credit. Please remove all these inquiries XXXX XXXX  ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX has repeatedly misrepresented and falsely reported payment history as recently as XX/XX/XXXX, of which they autodrafted ach payment and yet report payment as not received to Equifax and Experian. Information on my account with them to Equifax credit bureau experial entrancing credit bureau multiple times over the last twenty seven months. XXXX is engaging, and this deceptive credit practices in violation with FDCPA and is deliberately sabotaging my credit score blatantly misrepresenting current payments as late progress made with positive reporting of my payment history. It has repeatedly reported changes to payments received in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX. Please investigate XXXX credit reporting practice as they are deliberately causing irreparable harm to my credit. Furthermore the payments on XXXX website were on time and in deferment. 
XXXX XXXX XXXX XXXX is an online lending platform and online lender. I have a loan issued XX/XX/XXXX for a term of 60 months. XXXX  is in violation of the FDCPA ACT and engages in predatory lendly practices namely falsely reporting payments as never received and often reporting account as past due. XXXX XXXX XXXX, reported the XXXX and XXXX payment due by XX/XX/XXXX and XX/XX/XXXX despite having received the payments on line on time directly from me and on time via their website payment form. They tanked myXXXXFICO credit score XXXX points at Experian credit bureau ( Experian. XXXX, TX ). I filed a dispute with EXPERIAN after XXXX refused to correct this reporting. Additionally. I FILED a complaint with Consumer Finance Protection Bureau. The disputes and complaints have not resolved the false reporting by Experian and Equifax issued by XXXX. I am initiating legal action as XXXX has deceptive payment platform an will only accept payment ACH draft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: MO

Complaint narrative:
I recently obtained a copy of my credit report and there were fraudulent accounts listed. My personal information was compromised in the XXXX data breach. I also am a victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: IL

Complaint narrative:
Please delete these fraudulent accounts. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I hired XXXX XXXX back in XXXX. Never returned my call after the initial phone call. never requested any paperwork for me to file the lawsuit. I made numerous calls to them to try to speak to a person. No one ever returned my phone call so I canceled the service and reported them to XXXX XXXX XXXX  and I started getting bills from XXXX XXXX. I contacted XXXX XXXX back in XXXX disputed the charges said this is not anything that I signed up for and they have just kept building me ever since.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: FL

Complaint narrative:
I am filing this complaint because Equifax continues to report an account ( XXXX XXXX XXXX XXXX ) on my consumer report, despite my prior dispute. Both XXXX and XXXX have deleted this account from my credit file, yet Equifax refuses to do so. I did not authorize, give permission, or provide written consent for this account to be reported on my consumer file. Equifax 's continued reporting of this unauthorized account is a direct violation of my consumer rights under the Fair Credit Reporting Act, including 15 U.S.C. 1681b, which restricts the furnishing and use of consumer reports without proper authorization. Additionally, Equifax is in violation of 15 U.S.C. 1681i for failing to conduct a reasonable reinvestigation after my dispute and 15 U.S.C. 1681e ( b ) for failing to maintain the maximum possible accuracy in my consumer report. Under 15 U.S.C. 1681n and 1681o, Equifax is liable for both willful and negligent noncompliance with the FCRA, entitling me to statutory damages of up to {$1000.00} for non-willful violations. This inaccurate and unauthorized reporting is harming my creditworthiness and financial standing. I demand that XXXX immediately delete this account from my consumer report and take corrective action to ensure compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Th

e Consumer Financial Protection Bureau ( CFPB ) has documented Equifaxs repeated failure to properly investigate consumer disputes, even leading to legal action for violating the FCRA. This continued pattern of noncompliance is unacceptable, and I will not allow my credit profile to suffer due to negligence on your part. Federal law ( 15 U.S.C. 1681i ) clearly states that Equifax is required to conduct a thorough reinvestigation of disputed information within 30 days. Any item that can not be 100 % verified must be deleted immediately. I demand that these errors be corrected without delay, as they are actively harming my financial standing. Continued noncompliance will not be ignored. Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: WA

Complaint narrative:
Vanderbilt mortgage is trying to get XXXX dollars from us after 15 years, the statue of limitations was out seven years for XXXX  statute and 6 years for XXXX  state that we currently live in, they only started going after us after we purchased a house here in XXXX  state, they are trying to garnish wages that we do not currently have do to circumstances. they are trying to get us for XXXX and XXXX  states. I sent the court number for the account because I no longer have anything from Vanderbilt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: Rocket Mortgage, LLC
State: FL

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint against Rocket Mortgage for multiple violations of the Fair Credit Reporting Act ( FCRA ) related to inaccurate reporting on my credit report. Despite my efforts to resolve these issues directly with Rocket Mortgage, the errors remain uncorrected, causing significant harm to my credit score and financial reputation.

Details of the Complaint I received notice from the XXXX Credit Bureau that Rocket Mortgage modified the account balance owed in error. Below is the information currently reflected on my XXXX credit report, which I believe is also present on my reports with the other two major credit bureaus : Previous Balance : {$280000.00} Current Balance : {$280000.00} This information is absolutely incorrect. As of XX/XX/XXXX, my mortgage balance is {$280000.00}.

Additionally, Rocket Mortgage processed my payment late in XX/XX/XXXX and reported it as 30 days late due to the XXXX XXXX holiday. This late payment reporting is inaccurate and unjustified.

Violations under FCRA ( Fair Credit Reporting Act ) Incorrect Reporting of Account Balance Law : FCRA Section 611 ( 15 U.S.C. 1681i ) Description : Rocket Mortgage reported an increase in the account balance instead of a decrease, causing my credit score to go down by 1 point.

Impact : This incorrect reporting negatively affects my credit score and financial reputation.

Late Payment Reporting Due to Holiday Law : FCRA Section 611 ( 15 U.S.C. 1681i ) Description : Rocket Mortgage reported the XX/XX/XXXX payment as late due to the XXXX XXXX holiday, which is not a valid reason for late payment reporting.

Impact : This incorrect late payment reporting negatively affects my credit score and financial reputation. My husband had a XXXX  XXXX over the XXXX XXXX holiday and was XXXX XXXX XXXX for 2 weeks. Rocket Mortgage refused to do their due diligence in their credit investigation ( s ).

Impact on My Credit Score and Financial Reputation These errors have caused my credit score to decrease, leading to potential higher interest rates, loan denials, and difficulty obtaining new credit. The incorrect reporting of my account balance and the unjustified late payment have significantly harmed my financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: WV

Complaint narrative:
I filed that for disputes that were incorrect and they failed to remove them from my Credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: NC

Complaint narrative:
I called the chime customer service on XX/XX/XXXX because my purse was stolen o XX/XX/XXXX. And inside my purse was my wallet with all my ID n bank cards n my phone. I filed my taxes this year n had my return direct deposit to my chime account. I wasn't able to get ahold of chime immediately because of security reasons I could not access my email account n my phone cuz my phone was in my purse. So when I finally got thru to chime whoever stole my purse had gotten ahold of my chime card n into my chime account. N stole my refund. And when I tried to call n dispute it all. Chime told me they couldn't dispute it. I thought chime had a XXXX liability on unauthorized transactions. N I thought I made it clear to them that my stuff was stolen n when I got notice from irs that my return was deposited to my chime account it was gone. Now I know I didn't make or authorize any transactions. They won't help me I had XXXX dollars wrongfully taken from me n they won't listen or help. So can u pls help me. They did dispute some transactions but not all transactions I need my full refund for my taxes back, if I could sue or law chime I will if they do not help me n make it right I didn't make the transfer on XX/XX/XXXX the last time i used my card was on XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: CA

Complaint narrative:
I am disputing fraudulent and inaccurate reporting of a XXXX XXXX XXXX account on my credit report. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 requires credit furnishers to report complete, accurate, and consistent information across all credit bureaus. However, XXXX XXXX XXXX has falsely reported my account as a repossession and foreclosure, which is completely untrue.

This account was NOT a repossession or foreclosure. My vehicle was a Lemon Law buyback, and the loan was paid in full by XXXX. I never defaulted on the loan, and the lender suffered no financial loss.

The following false information is being reported : Equifax : Reports the account as " Repossession '' with a balance of {$11000.00}.

TransUnion : Reports the account as " Repossession '' with a balance of {$11000.00}.

Experian : Reports the account as " Foreclosure '' with a balance of {$11000.00}.

These false claims are unlawful and severely damaging my credit. The lender and credit bureaus have failed to verify the truth, leading to confusion and financial harm.

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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me 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 2025-03-05 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: CA

Complaint narrative:
Transunion, despite my efforts to resolve this issue, they have ignored my request and Failed to investigate inaccurate information being reported on my credit report. I demand full investigation and DELETE inaccurate unverifiable information immediately off 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 non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) has documented Equifaxs repeated failure to properly investigate consumer disputes, even leading to legal action for violating the FCRA. This continued pattern of noncompliance is unacceptable, and I will not allow my credit profile to suffer due to negligence on your part.

Federal law ( 15 U.S.C. 1681i ) clearly states that Equifax is required to conduct a thorough reinvestigation of disputed information within 30 days. Any item that can not be 100 % verified must be deleted immediately. I demand that these errors be corrected without delay, as they are actively harming my financial standing. Continued noncompliance will not be ignored.

Company Name : XXXX XXXX XXXX - Account # : XXXX - Balance : {$5500.00} Company Name : XXXX XXXX Account # : XXXX - Balance : {$0.00} Company Name : XXXX XXXX - Account # : XXXX - Balance : {$0.00} Company Name : XXXX  - Account # : XXXX - Balance : {$2900.00} Company Name : XXXX  - Account # : XXXX - Balance : {$490.00}

Company response to consumer: Closed with non-monetary relief