vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-06-26 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: GA

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report, as per my rights under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) and 607 ( b ) ( 15 U.S.C. 1681e ( b ) ). This incorrect information includes wrong addresses, names, and employers that I have never been associated with. Below are the specific details of the inaccuracies that need to be corrected. Inaccurate Information : 1. Wrong Addresses : - Incorrect Address 1 : ( XXXX XXXX XXXX XXXX, GA XXXX ) - Correct Address : ( XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ) 2. Incorrect Names : - Incorrect Name 1 : ( XXXX XXXX XXXX ) - Correct Name : ( 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 2025-06-26 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: NC

Complaint narrative:
I am submitting this dispute regarding a late payment listed on my credit report. After reviewing my records in detail, I found that the payment associated with this entry was made on time and should not have been reported as delinquent. This incorrect mark is having a damaging effect on my credit score and misrepresents my payment reliability.

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 2025-06-26 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:
I am writing to dispute several unauthorized accounts that have been reported in my name. These accounts are fraudulent, and I had absolutely no part in opening them. I have never done business with the companies listed, nor have I applied for any credit under these terms.

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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dept Of Ed NelNet ) Nelnet reported a XXXX day late payment on my federal student loan which has severely damaged my credit score by XXXX points with XXXXXXXX XXXX XXXXXXXX Prior to this, I was told by a Nelnet representative that I would be " brought current ' because I had no recollection of the payments being out of deferment -- no one explained that this meant they were applying a retroactive forbearance and that the late mark would still be reported. That is DELIBERATELY misleading and deceptive. 

If I had known that I would still be reported as late and penalized, I would have taken different action. Nelnet failed to provide proper notice, failed to explain the consequences and misled me to think I was resolving the account. 

Now they are telling me " they cant do anything '' and that even if the loan was paid the derogatory marks will still stay on my credit and I should talk with a credit specialist and try to get it removed ( some advice ). 

I am requesting that Nelnet remove the XXXX day late payment from all credit bureaus or delete the tradeline entirely, due to their failure to communicate clearly and fairly. I am also requesting an internal investigation into how that was handled. 

Under FCRA 623 ( a ) ( 2 ) Nelnet is required to report accurate and complete information, and promptly correct or delete any information that is incomplete or can not be verified, The way this late payment was reported is both misleading and incomplete and their refusal to update or delete it is clear violation of their obligation under law. 

I was never notified properly of any upcoming payments because they didn't use the right info to contact me. Please Remove the late payments or DELETE the entire account. 
Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: OH

Complaint narrative:
My paystub and the ACH deposit for my pay was submitted two days ago at XXXX, before the ACH cut off. Sofi claims they post as soon as they get it, which they even ( falsey ) advertise. 

My ACH file was deposited by my payroll into the same account as last week, before the cutoff time, at XXXX. 

Sofi refuses to look to see if it was rejected, or do a trace. They just keep instructing their CS agents to say " we always deposit early : D so if you didnt get it clearly it wasn't sent : D '' and refusing to look into the matter further.

I request a supervisor, I put in a complaint, they ignore me. They should NOT be able to claim that they " deposit once they get it '' when I know that ACH deposits do NOT take 3 days to clear and something has clearly gone wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: WA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: CA

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal 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 explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Credit Karma, LLC
State: IL

Complaint narrative:
The approval odds need to be removed. Wasted my time applying for a well needed loan because the odds said excellent and I got denied still listening to credit karma.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report. 

Reporting inaccurate and unauthorized information violates the Fair Credit Reporting Act ( FCRA ) and is causing serious and unjust damage to my credit. If this item is not removed promptly, I expect a full deletion of this fraudulent account without delay.

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 2025-06-26 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXXXXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXXXXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXXXXXX XXXX # XXXX XX/XX/XXXX -- {$46000.00} XXXXXXXX XXXX  # XXXX XX/XX/XXXX -- {$6400.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-06-26 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: TX

Complaint narrative:
I am reaching out regarding fraudulent information that has been reported on my credit profile. There are several accounts listed that I have never seen before, and I did not initiate or authorize any of them. Their presence is deeply troubling and wholly inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC
State: IL

Complaint narrative:
I received the loan through Opportunity Financial , LLC ( OppLoans ), although the lender listed in the contract is XXXX XXXXXXXX XXXX ( XXXX ), a XXXX bank. I believe this setup was used to evade Illinois 36 % APR cap, and it has caused financial harm and emotional distress. 

I am formally filing this complaint against Opportunity Financial LLC ( OppLoans ) for abusive lending practices. I took out a loan with them for {$3000.00}, and they are charging me an interest rate of 159.44 % APR. I am currently a resident of the State of Illinois, where the law sets a maximum APR of 36 %. This rate greatly exceeds the legal limits established in this state. 

This loan has been refinanced twice through repeated offers from the bank, which has prevented me from getting out of debt and has led me into a cycle of continuous borrowing. This situation has affected my emotional stability and mental health. 

Furthermore, the company has been making charges before the agreed payment due date. According to the official schedule, payments are due on Tuesdays, but debits are being made starting on the Saturday of the previous week without my prior authorization, directly affecting my finances and violating the terms established in the contract. 

So far, including the XXXX refinancings, I have received a total of {$5100.00} and have paid {$5100.00} out of my own moneythat is, more than 100 % of what I received. However, the bank still claims I owe an additional {$2400.00}, which represents more than 82 % of the last signed loan, not counting future interest that continues to accrue daily under this abusive annual rate of 159.44 %. 

This situation has seriously impacted my emotional well-being, my credit score, and my ability to cover my essential living expenses. Therefore, I respectfully request that this case be reviewed and that Opportunity Financial LLC ( OppLoans ) be investigated for possible predatory lending practices. I have attached the original contract for the current loan, along with the XXXX previous contracts that were refinanced. These documents include the payment schedule, the full terms of the loans, payment history, and the current outstanding balance as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: FL

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: TX

Complaint narrative:
I recently obtained a copy of my credit report and was surprised to find a hard inquiry that I do not recognize. I did not apply for credit nor did I give my consent for any organization to access my credit information at the time this inquiry was performed. Unauthorized inquiries can have a negative impact on a consumers credit score and reflect a misuse of private financial information. According to the Fair Credit Reporting Act, such inquiries are a violation of federal law unless fully authorized and necessary for a valid purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: OH

Complaint narrative:
Inaccurate and unauthorized information input on all three of my credit report agencies. 

XX/XX/year> Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Subject : Debt Validation Request and Formal Complaint Regarding Fraudulent Claim To Whom It May Concern, I am writing to formally dispute and demand validation of the alleged debt you have reported under my name. According to verified records maintained by XXXX XXXX, this matter has been satisfied by discharge, and therefore, no valid claim exists. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide full and complete validation of this alleged debt, including : The name and address of the original creditor A copy of the original signed agreement A full accounting of the alleged debt Documentation proving your legal authority to collect on this matter Additionally, any continued reporting of this discharged debt to credit bureaus constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and the Privacy and Information Act, as the information is inaccurate and unverified.

When a consumer is in contract with a company there has to be blue or black ink signature from the consumer for it to a valid contract. There is no proof of consumer signature with Jefferson Capital Systems LLC., the company the discharge was released to from the original creditor. Therefore, this is now fraud with Jefferson Capital Systems LLC. They have inaccurate information and it is reporting inaccurately on my credit reports. I demand this discharge be removed from all three credit reporting agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: FL

Complaint narrative:
There are XXXX separate collection accounts from Jefferson Capital Systems LLC appearing on my credit report, reported on different dates, but I believe they are for the same original debt.

This appears to be a case of duplicate reporting, which is inaccurate, misleading, and is unfairly damaging my credit score. I disputed the debt as inaccurate and formally requested validation under the Fair Debt Collection Practices Act ( FDCPA ). 

However, the collector has either ignored my request or failed to provide any response or proper documentation within 30 days, which is a clear violation of my rights under the FDCPA. 

I am requesting that the CFPB investigate this matter and require the collector to either provide full legal validation of the debt or permanently remove all inaccurate, unverifiable, or duplicate entries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I have or had XXXX accounts with Synchrony Bank. Some of them are XXXX but most are store cards. I logged in the other day and noticed that all XXXX are closed and then I get letters stating that the reason is... Activity on account ( XXXX ) with Synchrony Bank indicative of high risk of failure to pay. They told me on the phone that XXXX  Credit Bureau was the one who provided this information. I have checked my credit with XXXX and all is good. My accounts are all current, most of them with a XXXX balance. XXXX  told me to file a complaint here so I am not sure who I have the complaint with. Any help would be greatly appreciated.

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 2025-06-26 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: FL

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

1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX FL XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$3800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: AZ

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief