vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-05 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: TX

Complaint narrative:
INACCURATE LATE PAYMENTS.I HAVE NEVER BEEN LATE ON THE 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 non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Hello, and thank you for reviewing this. I'm writing because I believe there may be an unresolved issue with interest that accrued shortly after my consolidation in XX/XX/XXXX, and I'm hoping for assistance with correcting this error, as Nelnet has been very uncooperative. This appears to be a widely known error, as far as I have been told, but Nelnet refuses to honor their response to me as detailed below and in attachments. 

After consolidating in XX/XX/XXXX, I moved onto the XXXX plan ( with a {$0.00} calculated payment ). My understanding was that under the XXXX interest benefit, unpaid interest above the monthly payment amount should not accumulate. 

However, in XX/XX/XXXX, approximately {$1000.00} of interest posted to my account. This same amount has remained unchanged for over a year, including during periods when interest should have been suppressed or set to 0 % depending on the injunction timeline. 

I reached out to Nelnet several times. In XX/XX/XXXX, a representative acknowledged that this might have been an error and that an adjustment was expected, but the adjustment never occurred. Since then, the responses I received have not addressed the specific situation regarding the XX/XX/XXXX interest or the earlier acknowledgement. 

I'm simply trying to understand why the {$1000.00} interest from XX/XX/XXXX has not been waived under SAVE 's interest-suppression rules, given my $ 0 monthly payment.

I would really appreciate a clear resolution as Nelnet has kept me waiting for over a year for a satisfactory response, both by email and by telephone. I am simply hoping for a corrected balance. Thank you very much for your time and assistance.

I have attached a PDF of our emails, which are in reverse order with dated responses. Apologies for any inconvenience, and thank you again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

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 explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
am filing a complaint regarding a fraudulent Navy Federal Credit Union account that appears to have been opened under my name in 2019. I have no knowledge of this account, did not authorize it, and did not give anyone permission to open any account with Navy Federal on my behalf.

This account was eventually closed, but it is still causing harm, as Navy Federal is denying me the ability to open a legitimate new account because of this fraudulent history. I am being told this prior account is still connected to my information, even though I did not create it.

I am requesting the following actions : 1. Full investigation into the fraudulent account opened under my identity in 2019.

2. Removal of all records of this unauthorized account from Navy Federals internal system so it no longer impacts my ability to open an account.

3. Written confirmation that the fraudulent account has been fully removed or corrected.

4. Verification of any unauthorized activity, and documentation showing the account was not opened by me.

I am willing to provide any identification or supporting documents necessary to complete the investigation. I am simply asking that Navy Federal stop penalizing me for an account I did not authorize, did not open, and had no involvement with.

Thank you for your attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: FL

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 explanation
Consumer complaint received 2025-12-05 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: FL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Florida XXXX. 

This is the only address that should show on my credit report. 

Please update my name to : XXXX XXXX XXXX XXXXThis is the only name that should show on my credit report. 

My only and correct Date of Birth : XX/XX/year> My SS # : XXXX My only Telephone : ( XXXX ) XXXX. I do not wish to have any other telephone numbers on my credit report. 

Please remove all the other addresses off my credit report as they are not deliverable to me by the U.S. post office. They are not reportable as per the FCRA since they are inaccurate. Therefore, it must be removed immediately.

I demand my social security number and date of birth removed from being displayed on the credit file for privacy reasons.

Delete all information in the employer section.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( A ) ( 4 ), I am a federally protected consumer and i have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: OH

Complaint narrative:
I deposited my check from department of treasury which is available the next day. 
They said it wouldn't be available for 7 days

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 2025-12-05 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: CA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-12-05 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: CA

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: LD Holdings Group, LLC
State: HI

Complaint narrative:
On XX/XX/XXXX, LoanDepot issued me a Closing Disclosure with a standard 3-business-day review period. I was told that this was the approved disclosure and that I should liquidate the necessary funds to close. I was never told that the disclosure was not final or subject to major changes. 

Based on the XX/XX/XXXX disclosure and LoanDepots written confirmation to withdraw my financing funds, I liquidated {$150000.00} from my 401 ( k ), resulting in {$30000.00} in taxes and penalties. 

XXXX After the TRID review period expired, LoanDepot issued multiple revised Closing Disclosures that significantly increased my Cash to Close and added required payoff amounts for debts and tax obligations that were already disclosed earlier in the process. 

On XX/XX/XXXX, LoanDepot informed me that they could not close the loan under the original terms of the XX/XX/XXXX disclosure and issued an Adverse Action Notice declining the loan. 

ExhibitFAdverseActionNOtice As a result of relying on the XX/XX/XXXX disclosure and the lenders instruction to withdraw funds, I incurred significant and unnecessary financial harm. I am seeking restitution for the {$30000.00} tax penalties and losses directly caused by LoanDepots disclosure misrepresentations and timing violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
RoundPoint Mortgage manages my mortgage ( including escrow, taxes, insurance ). Last year, I asked RoundPoint to withhold automatic insurance payment from escrow disbursement until I had a chance to shop around for insurance. RoundPoint sent me a letter via USPS a few days later stating that they disbursed my insurance payment even though I had asked for it to be withheld. I had to pay ( $ XXXX ) into my own escrow because of RoundPoints error. 

Today ( XX/XX/year> ), I called RoundPoint to ask for withholding of automatic insurance payment from escrow disbursement until I had a chance to shop around for insurance. RoundPoint agreed to the request. I asked for proof of the request by USPS, email, or posting a document to my account. RoundPoint refused to provide proof and said the phone call recording would be available with a subpoena. I spoke with a supervisor and asked why a letter couldn't be typed, printed, and mailed via USPS. The supervisor told me that it was not possible because he can not type on a computer. My request is simple : provide paper documentation that I asked for withholding of property insurance until I confirm the insurance provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
With respect to those it this matter concerns, Upon examining my credit reports, I noticed that although you have not provided any evidence to support the accuracy of the debt, you are claiming that the following accounts are negatively impacted. Moreover, you claim to have complied with all legal and regulatory reporting requirements, thus you have to delete all negative and critical accounts. 
XXXX  XXXX Under XXXX XXXX XXXX XXXX a creditor can not legally report a payment as late if they have not ensured that the periodic statement, containing the required information under section XXXX ( b ), was mailed or delivered to the consumer at least 21 days before the due date. Since the creditor failed to meet this obligation, I request that you update the late payments on my account to reflect positive, on-time payments. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX You are aware that reporting any information that can not be independently verified is illegal. I need you to give me hard proof that I am responsible for those accounts in line with 15 USC 1692g.

You are also in violation of 15 USC 1681b because I have never given you or any of these companies formal permission to disclose any information on my credit report. This unjust and unfair treatment has caused me severe XXXX and 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 2025-12-05 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: PA

Complaint narrative:
With respect to those it this matter concerns, Upon examining my credit reports, I noticed that although you have not provided any evidence to support the accuracy of the debt, you are claiming that the following accounts are negatively impacted. Moreover, you claim to have complied with all legal and regulatory reporting requirements, thus you have to delete all negative and critical accounts. 
XXXX  XXXX Under XXXX XXXX XXXX XXXX a creditor can not legally report a payment as late if they have not ensured that the periodic statement, containing the required information under section XXXX ( b ), was mailed or delivered to the consumer at least 21 days before the due date. Since the creditor failed to meet this obligation, I request that you update the late payments on my account to reflect positive, on-time payments. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX You are aware that reporting any information that can not be independently verified is illegal. I need you to give me hard proof that I am responsible for those accounts in line with 15 USC 1692g.

You are also in violation of 15 USC 1681b because I have never given you or any of these companies formal permission to disclose any information on my credit report. This unjust and unfair treatment has caused me severe XXXX and 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 2025-12-05 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: AZ

Complaint narrative:
Equifax is reporting delinquency on a XXXX Dept. of EducationXXXX account without providing any verified payment history or documentation to support the late marks. I requested the furnishers records and certification required under FCRA 611 ( a ), but Equifax provided nothing. Reporting delinquency on a closed account without verification violates FCRA 602 and 607 ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-04 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: NJ

Complaint narrative:
Case was dismissed without prejudice in superior court of XXXX XXXX and I would like this to be deleted off my credit report as XXXX  has done.

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 2025-12-05 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: IL

Complaint narrative:
Ive noticed multiple inaccurate accounts reporting to my credit profile

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 2025-12-05 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:
Ive noticed multiple inaccurate accounts reporting to my credit profile

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland XXXX, MCM has been going to family members houses harassing them looking for me to serve me papers. This needs to stop!

Company response to consumer: Closed with non-monetary relief