vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-05-08 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: EQUIFAX, INC.
State: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: MD

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 2025-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XXXX XXXX XXXX, at my home address, I received a Wells Fargo XXXX and a debit card for a checking account. These accounts were not requested by anyone in my household. 

Wells Fargo was very responsive to my phone calls and closed the fraudulent accounts.

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 2025-05-08 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: NJ

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2025-05-08 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: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-05-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: PA

Complaint narrative:
My experience with MOHELA has been extremely frustrating and disappointing. I have been unable to access my account for an extended period of time, despite multiple attempts and efforts to reset my login credentials. Each time Ive reached out for assistance, Ive received little to no helpful information, and the lack of follow-through from their support team has only added to the confusion. Additionally, I have not received any clear or timely updates regarding the status of my student loans, leaving me in the dark about important financial information. The customer service representatives are either unresponsive or provide vague and inconsistent answers, making it nearly impossible to resolve even the most basic issues. This level of service is unacceptable, especially given the importance of staying informed about my loan obligations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: EQUIFAX, INC.
State: CA

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: FL

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( 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 2025-05-08 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: PA

Complaint narrative:
Despite notifying the Credit Reporting Agency ( CRA ) the CRA has failed to conduct a proper and thorough investigation into the fraudulent activity. Instead, the investigation was a sham, done with no real effort to uncover the truth or resolve the issue. This negligent handling has caused significant damage to my credit, and I have yet to see any resolution. I believe the CRA has engaged in discriminatory practices, particularly against XXXX individuals like myself. The CRAs failure to properly investigate this fraudulent activity and the harm caused disproportionately impacts people of XXXX, further putting us at risk of financial harm. Please refer to the attached document regarding the Equifax Data Breach, which highlights the systemic failures of the CRA to protect and properly serve people in my community.

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 2025-05-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/year> LVNV Funding LLC XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Debt Validation under the Fair Debt Collection Practices Act To Whom It May Concern, I am writing to formally dispute the validity of the debt you have alleged and to request full validation in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Please provide the following information and documentation : XXXX. The name and address of the original creditor ; XXXX. The original account number ; XXXX. A complete itemization and explanation of the amount claimed, including how the balance was calculated ; XXXX. A copy of the original signed agreement or contract ; XXXX. Documentation establishing that LVNV Funding LLC has the legal authority to collect this debt ( e.g., chain of title ) ; XXXX. The date of the last payment or account activity ; XXXX. Proof that the debt is within the applicable statute of limitations. 

Additionally, under 15 U.S.C. 6802 of the Gramm-Leach-Bliley Act, I request a detailed explanation of how my nonpublic personal financial information was obtained, used, and shared. Please provide any required privacy disclosures and documentation of my consent, if applicable.

Until the above documentation is provided, I respectfully request that you cease all collection activities and refrain from reporting this account to any credit reporting agency. If this account has already been reported, please notify the credit bureaus that the debt is currently in dispute.

This correspondence is sent in good faith and with the intention of resolving any legitimate obligation upon receipt of proper and verifiable documentation. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 explanation
Consumer complaint received 2025-05-08 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: TX

Complaint narrative:
Hey I recently checked ny credit report and noticed some accounts that i dont recognize and didnt authorize to be reported so believe them to be fraudulent. Please delete all fraudulent accounts i have listed in the identity theft report according to the FCRA 605B ( 15 U.S.C. 1681c-2 ), I have enclosed the following documents, ID, SSN, IDENTITY THEFT REPORT, FCRA 605B. I appreciate your immediate response to my issue, Sincerely 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 non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
XXXX XXXX XXXX is trying to collect on a debt not owed to them. I would like this company to send the purchase agreement, documents that showed I allegedly agreed to pay you, a copy of your state license, explanation on how this debt is owed to you. If you can not provide all information you can not collect on this debt.

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 2025-05-08 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: Nelnet, Inc.
State: GA

Complaint narrative:
I am writing to formally dispute the reporting of my student loan information on my credit report and demand its immediate removal based on multiple privacy law violations. 

Recent events have revealed that my private student loan information was improperly accessed by unauthorized parties through DOGE, including XXXX XXXX and associated personnel, without proper security clearance. This unauthorized access constitutes a clear violation of the Family Educational Rights and Privacy Act ( FERPA ) and the Gramm-Leach-Bliley Act ( 15 USC 6801 ), which mandates that financial institutions protect consumers ' nonpublic personal information.

Furthermore, I have never provided explicit consent for this information to be reported to credit bureaus. Under federal law, you are required to : Provide documentation showing how this information was legally verified before reporting Demonstrate the chain of custody for my private educational records Show proof of my consent for sharing this information Per 15 USC 6801, financial institutions have " an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' The recent federal court injunction regarding DOGE 's unauthorized access to Education Department databases further supports the illegality of these disclosures. 

I demand the immediate removal of all student loan information from my credit report within 30 days, as you can not verify this information was obtained through legal means. Failure to remove these items will result in further legal action. 

Please provide a written response detailing : The specific steps taken to verify the accuracy and legality of this information Documentation of authorization for credit reporting Confirmation of removal of these items Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: FL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: COLUMBIA BANKING SYSTEM, INC.
State: OR

Complaint narrative:
I sent two checks to our church on two separate checks. Each one was for {$690.00}. When the checks came through our account on XX/XX/year> each one came through twice and {$690.00} was deducted from our XXXX times. I phoned our bank on the mid XX/XX/year>. They said it was due to something Umpqua Bank had done and it would be resolved that day. It has not been reached on XX/XX/year>. I have spoken to several people at Umpqua Bank and they are working on it. No time frame as to when it will be resolved. They have been rude, acted like I was insane for suggesting something like this happened and blamed our bank. They said there was nothing they could do. I was persistent and a bit rude and finally they said they would do something. At this time I am waiting for a call back to find out when it will be resolved.

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 2025-05-08 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: NY

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 : 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 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 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

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 2025-05-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Servion, Inc.
State: TN

Complaint narrative:
The mortgage servicer, Servion Mortgage, did not properly credit a mortgage payment on XX/XX/XXXX and did not advance the due date. The funds were applied elsewhere on the account however the explanation was not sufficiently provided with documentation. 

Currentlythe servicer is indicating thatthe loan is due for XX/XX/XXXX however a payment was made on XX/XX/XXXX to advance the due date to XX/XX/XXXX. The servicer has now sent a 30 day demand letter and intends to proceed with foreclosure. 

The home retention exployee, who did not identify thmselves, sent an email with a ledger of accounting activity. There are numerous unexplained debits and credits for some unknown reason and the likelihood is great, given these activities, that the payments made were not properly credited. The number of odd transactions made by the mortgage servicer is unexplained. There is over XXXX equity in the subject property and the servicer is looking to foreclose without cause and an explanation for the erroneous debits and credits to the account ledger. The attached transaction history attached to this has numerous unexplained adjustments and is not reflecting a clear accouniing for payments made to this loan. Despite previous requests to demonstrate a clear understanding of the pay history, the document provided does not explain anything and makes the payment hisotry more convoluted. It is my contention that this is a purposeful misleading document, which does not account for XX/XX/XXXX activity on the loan for some reason.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation