vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 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: CA

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 XXXXXXXX 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 2025-06-02 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX Account Number XXXX Balance : {$890.00} Open Date XX/XX/XXXX, XXXX XXXX BANK XXXX Account Number XXXX Balance : {$270.00} Open Date XX/XX/XXXX, XXXX XXXXXXXX XXXX Account Number XXXX Balance : {$150.00} Open Date XX/XX/XXXX, XXXX XXXX Account Number XXXX Balance : {$17000.00} Open Date XX/XX/XXXXXXXX XXXX XXXX  Account Number XXXX Balance : {$1300.00} Open Date XXXX XXXX, XXXXXXXX XXXX Account number XXXX Balance {$1400.00} Open Date XX/XX/XXXX, XXXX XXXX XXXX Account number XXXX Balance {$770.00} Open Date XX/XX/XXXX, XXXX XXXX Account number XXXX Balance {$580.00} Open Date XX/XX/XXXX, XXXX XXXX XXXX, Account number XXXX Balance {$570.00} Open Date XX/XX/XXXX Inquiries XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX # XXXX XX/XX/XXXX, XXXX XXXX # XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: MI

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I am disputing inaccurate information reported by my federal student loan servicer to XXXX. The balances, open dates, and last payment dates shown in my credit report do not match the information available through XXXX XXXX XXXX Specifically, the loans are showing a different open date ( XX/XX/XXXX instead of XX/XX/XXXX ), slightly lower balances, and a potentially inaccurate last payment date ( XX/XX/XXXX ). 

I have contacted the credit bureau, but I am concerned that the servicer may be supplying incorrect or outdated information. I am requesting that the CFPB investigate this issue and ensure the data reported to the credit bureaus is corrected. 

This inaccurate information could affect my credit profile, and I am exercising my rights under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Texas Guaranteed
State: FL

Complaint narrative:
On XXXX, I tried to reach out to Trellis Company at XXXX. XXXX was the representative. I requested that I would like to settle and she stated that it was federal law that she can only negotiate the interest. I pushed back stating that my loans XXXX and XXXX are held by XXXX and they negotiated both on interest and principal. If she may please escalate this call as this sounds more like an internal policy. She then changed her statement and said that she doesnt have the authority and has to speak to a supervisor. 

I then call back and get XXXX XXXX XXXX who then states I have to fill out a form that will be emailed to me with no further clarification or understanding for the purpose of this form.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: CA

Complaint narrative:
I was looking at my credit report and i saw 1 account that was opened fraudulently. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: CA

Complaint narrative:
I was looking at my credit report and i saw 1 account that was opened fraudulently. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: GA

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report 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. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of 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. ''

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 2025-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CrossCountry Mortgage LLC
State: SC

Complaint narrative:
XXXX Made a monthly payment for my mortgage through XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Payment was charged to my checking account for {$2000.00}. This was the same approach to pay my mortgage since the loan was service transferred to XXXX XXXX in XX/XX/XXXX. 

XXXX XXXX, XXXX, I received an electronic notice the loan was in default. No late notice was received prior to this notification, which if received, would have facilitated a correction and prevented a credit reporting issue. 

After investigation with Crosscountry and XXXX XXXX XXXXXXXX, it was determined that the payment was still outstanding in XXXX XXXX XXXXXXXX 's system. To mitigate the issue, the payment was voided on XX/XX/XXXX, and a replacement payment was submitted on XX/XX/XXXX for the unapplied, missing payment. 

In XXXX, my credit scores were adversely updated with the agencies to reflect a payment that was in default. 

Waited until XXXX to allow credit reporting to get updated, but no adjustments were made to reflect on time payments of all my mortgage payments. 

On XX/XX/XXXX, I submitted a request to correct my credit report by reflecting the accurate payment date of my XX/XX/XXXX payment. All documentation to support the request including bank statements reflecting payment dates were submitted with the request. 

On XX/XX/XXXX, I received a response from Crosscountry that the request was forwarded to their XXXX XXXX Department for review. 

On XX/XX/XXXX, I received a determination letter from Crosscountry that they found no errors in the credit reporting history and they are required to report payment history accurately. ( The implication here is that the day they posted the payment to the account is the accurate date that the payment was made, which is an incorrect assumption. ) I am uncertain as to how to get the mortgage company to acknowledge that I made the payment on time as evidenced by bank statements I provided and not use the application date of the payment as the final arbiter of accurate credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I had my phone stolen. Multiple fraud charges were made in my account. They denied my claim within 3 days and didnt even ask me for the proof I have. Please help me be taken seriously. The total amount was for {$1300.00} and the claim was made on XX/XX/year>. It was denied the next day by Wells Fargo. Im working on getting a police report for proof or suing if they wont reopen my claim.

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 2025-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: DriveTime
State: NV

Complaint narrative:
I was entered into a fraudulent contact, violating the TILA, in XX/XX/XXXX, at Drive Time, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, for a XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Rocket Mortgage, LLC
State: AL

Complaint narrative:
I applied to refinance my home with this company, and somehow, they are trying to deny me this loan by pretending not to have the documents that I sent them. They stopped communicating with me. I believe this is an unfair, deceptive, or abusive practice.I am a current customer, never been late on any Mortgage payments,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CBC Companies, Inc.
State: MO

Complaint narrative:
I have XXXX XXXX  inquiries on my credit report that shouldnt be there. XXXX with XXXX XXXX and another with XXXX XXXX Everything else I can account for. Not those XXXX. XX/XX/XXXX. I can not recall talking to anyone to pull my credit and I know for a fact I didnt give XXXX XXXXXXXX permission to pull my credit in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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 am writing to formally dispute the unauthorized fraudulent student loans appearing on my credit report and to request an immediate investigation under the Fair Credit Reporting Act ( FCRA ). These loans were issued under the U.S.Department of Education, which has been abolished and rendered debts legally unenforceable and unverifiable. The originating agency for these loans no longer exists, making these debts legally unenforceable. Also as a victim of identity theft and the XXXX breach, my personal information has been compromised, including XXXX critical findings tied to my identity within the breach. This account and/or inquiries were made without my knowledge or consent. Under the FCRA ( 605B ), I request these items be blocked from my credit report. Additionally, under 15 U.S. Code 1681c-1 ( protection of personally identifiable information ) and 15 U.S. Code 1681e ( b ) ( accuracy of information in consumer reports ), you are required to ensure the accuracy and privacy of the information you maintain.

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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: OK

Complaint narrative:
I would like to request the XXXX XXXX XXXX XXXX XXXX  on my credit report to allow XXXX financial institutions to access my credit history. This is necessary for the processing of my XXXX  application, which requires a review of my creditworthiness and financial standing. Please proceed with XXXX XXXX XXXX as soon as possible to ensure a smooth and timely evaluation of my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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 have a few unauthorized inquiries on my EXPERIAN credit report that I demand to be PERMANENTLY REMOVED IMMEDIATELY. XXXXXXXX XXXX XXXX UTILIZING 15 USC 1681b ( 2 ), 15 USC 1681 ( q ), 15 USC 1681c-2 .

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 2025-06-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have a few unauthorized inquiries on my EXPERIAN credit report that I demand to be PERMANENTLY REMOVED IMMEDIATELY. XXXXXXXX XXXX XXXX UTILIZING 15 USC 1681b ( 2 ), 15 USC 1681 ( q ), 15 USC 1681c-2 .

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: CA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$190.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$160.00} IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1300.00} XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$260.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$180.00} INQUIRIES : XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-06-02 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: CA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: MI

Complaint narrative:
I am writing to notify you that the account you are reporting under my name is fraudulent and the result of identity theft. I demand that National Credit Adjustors cease and desist all collection activity and credit reporting related to this account immediately. 

I have filed an official identity theft report with the Federal Trade Commission ( FTC ). The associated reference numbers are : FTC Identity Theft Report Numbers : XXXX and XXXX Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to dispute this debt and request the following : Cease all collection efforts, including phone calls, mailings, and credit reporting. 

Delete this account from all credit reporting agencies where it may appear.

Provide written confirmation that this account has been permanently removed and that no further attempts will be made to collect on it.

I am enclosing the following documentation to support my identity theft claim : A copy of my government-issued photo ID As required by 15 U.S. Code 1681g and 1681c-2, you are obligated to investigate and respond to my dispute within 30 days of receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Your court decree is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, etc or derivatives thereof. 

Your letter to Experian sent XX/XX/year> to XXXX XXXX XXXX. 

Their response calling it frivolous Experian refuses to recognize lawful name change and continues to publish false personal information I submitted a court-issued, Exemplified and apostilled name change decree to Experian, along with a certified letter requesting the correction of my personal information. My decree was lawfully issued by the XXXXXXXX XXXX XXXX XXXX  and bears official authentication. 

Experian acknowledged my request but refused to correct the name, labeling my legal filing as frivolous. This response is not only offensive it is in direct violation of the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 1 ) ( 3 ) and constitutes a willful refusal to correct known inaccuracies. 

They continue to report : My former name in all capital letters ( e.g., XXXX XXXX XXXX ), which is not my current legal name Old addresses and phone numbers that are inaccurate and outdated need to be removed immediately, showing only my XXXX phone number and XXXX current living address. 

This conduct is reckless, damaging to my credit and reputation, and may amount to identity misrepresentation and data trafficking under federal and state law.

I am requesting : Immediate correction of my legal name to match my court decree Removal of all inaccurate, outdated addresses and contact information Confirmation in writing that the file has been corrected. 

I am attaching a copy of the decree, my certified request, and their dismissive response for your records. I believe Experian is acting in bad faith and engaging in fraudulent consumer data practices. 
I also demand a record of who has accessed or traded my credit file under XXXX XXXX XXXXXXXX and XXXXXXXX XXXX XXXXXXXX. I intend to pursue commercial remedy for continued harm and violations of my rights under U.S. Title 15 and 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