vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-14 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Mi, XXXX XXXX Subject : Dispute of Inaccurate Information on Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate and unverifiable information that appears on my credit report under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b & 1681 ( a ) ( 1 ) ( A ). I recently reviewed my credit report and found the following accounts to contain erroneous and misleading information that is negatively impacting my creditworthiness : XXXX  XXXX ( Account Number : XXXX ) XXXX late payments reported in XX/XX/XXXX and XX/XX/XXXX. 

Under 15 U.S. Code 1681b, you are required to verify the accuracy and permissible purpose of reporting such information. 

XXXX XXXX XXXX  ( Account Number : XXXX ) XXXX late payments reported in XX/XX/XXXX and XX/XX/XXXX. 

These entries are outdated and should be removed under the permissible accuracy provisions of the FCRA. 

XXXX XXXX XXXX Account Number : XXXX ) XXXX potentially negative months and a charge-off ( {$1400.00} written off ). 

This account was reportedly purchased by another lender, and per FCRA guidelines, unverifiable information should be deleted. 

XXXX ( Account Number : XXXX ) Charge-off and XXXX potentially negative months ( {$4500.00} written off ). 

The continued reporting of this past-due amount may violate FCRA statutes on data accuracy. 

XXXX XXXX XXXX ( Collection Account - Account Number : XXXX ) Collection account related to XXXX XXXX XXXX, showing {$1400.00} past due. 

The reported balance does not reflect accurate verification and should be removed. 

Under the Fair Credit Reporting Act, I request that these accounts be investigated and removed from my credit report if they can not be verified. Please provide me with written confirmation once the corrections have been made. 

If the disputed information can not be verified, I request its immediate removal in compliance with federal law. Failure to comply with my request may result in further legal action. 

Thank you for your prompt attention to this matter. I look forward to your response within 30 days, as required by law. 

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 2025-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: TX

Complaint narrative:
Sent money to the wrong Chime account, I then requested it back, but they havent responded. 
My Chime is : XXXX XXXXXXXX Their Chime is : XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: VA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. 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 explanation
Consumer complaint received 2025-03-14 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: FL

Complaint narrative:
When checking my credit report this morning, I was alarmed to see an unauthorized inquiry appear out of nowhere. I have no idea why this is happening, and I even tried refreshing my browser to see if it was a technical issue, but the inquiry remained. This is incredibly frustrating, and I insist that my documents be reviewed carefully so I can put this nightmare 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 2025-03-14 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: FL

Complaint narrative:
Im dealing with incorrect information on my report that is unfairly hurting my scores and limiting my options. These errors have already caused unnecessary stress and setbacks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
All three credit bureaus ( Experian, XXXX, XXXX ) continue reporting a XXXX XXXX auto loan with XXXX XXXX XXXX coding errors. The account shows " OK '' status in XX/XX/year> sandwiched between charge-off statuses in XX/XX/year> and XX/XX/year>. This violates fundamental credit reporting standards. Additionally, XXXX reports a high-credit amount of only {$3600.00} while the other bureaus show {$25000.00} - a {$21000.00} discrepancy that proves data corruption.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
All three credit bureaus ( Experian, XXXX, XXXX ) continue reporting a XXXX XXXX auto loan with XXXX XXXX XXXX coding errors. The account shows " OK '' status in XX/XX/year> sandwiched between charge-off statuses in XX/XX/year> and XX/XX/year>. This violates fundamental credit reporting standards. Additionally, XXXX reports a high-credit amount of only {$3600.00} while the other bureaus show {$25000.00} - a {$21000.00} discrepancy that proves data corruption.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX. 

Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: NY

Complaint narrative:
XXXX XXXX and The Department of Government Efficiency, illegally and without my consent accessed my private student loan information through the Department of Education.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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 writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX ( XXXX ) XXXX. XXXX XXXX ( XXXX ) High Inquieres : XXXX. XXXX XXXX ( XX/XX/year> ) XXXX. XXXX XXXX  ( XX/XX/year> ) As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TransUnion Credit Bureau has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank 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 explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: M&T BANK CORPORATION
State: RI

Complaint narrative:
I am filing a complaint because M & T bank used unfair and deceptive practices. I was offered payment deferrals in at tough points when I was out of work, during XXXX, and when I my mother was ill and then passed. I did not fully understand that the payments would not be able to be paid on the end of the loan and come due all at once, I have been calling monthly to pay this loan, I call them and schedule a payment. I am not avoiding them an would like to continue to keep paying and I am being told full loan amount is due now. I have paid over $ XXXX to date on an extremely high loan and have less than $ XXXX left and they refused to work with me on the phone. The woman was rude and demeaning and when I mentioned my mother had passed she told me she did not need to listen to that. I was actually in tears at that point. I rely on my car for my daughter and I and I am the sole provider.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: NV

Complaint narrative:
Atter discovering negative and unauthorized information on my credit report, I suspected identity theft and immediately contacted Experian to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, as these negative marks are damaging my credit and financial standing. I believe that Experian, Transunion and Equifax has not fully investigated the potential identity theft tied to the Equifax breach and l am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my tinancial well-being. ACCOUNTS LISTED BELOW : XXXX Name : XXXX Account Balance : {$340.00} Date XXXX XXXX Name : XXXX XXXX XXXX  Account Balance : {$920.00} Date XXXX XXXX Name : XXXX XXXX Account Balance : {$300.00} Date XXXX XXXX Name : XXXX  Account Balance : XXXX Date XXXX XXXX Name : XXXX XXXX Account Balance : {$120.00} Date XXXX ADDITIONAL INCORRECT ADDRESSES LISTED : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX INCORRECT XXXX LISTED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ADDITIONAL 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 INACCURATE LATE PAYMENT LISTED : XXXX Name : XXXX XXXX XXXXXXXX Past Due XXXX : {$10.00} Date XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon viewing my most recent consumer report, I discovered bankruptcies that should not be present. Having recently studied relevant laws, I found that this constitutes a violation of 15 U.S. Code 1681a ( 4 ) regarding Consumer Right to Privacy. These bankruptcy entries should not appear on my credit report, and you have released my personal information without my consent. This situation is completely unacceptable, as I am a victim of identity theft. Please be aware that you may be both criminally and civilly liable for these violations. If this complaint is not handled appropriately, I will pursue legal action against your organization.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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: AZ

Complaint narrative:
Here is the list of fraudulent inquiries : XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX FACTUAL DATA - XX/XX/XXXX XXXX  XXXX  - XX/XX/XXXX XXXX  XXXX  XXXX  - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: CA

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 
ACCOUNTS : - XXXX/XXXX. ACCOUNT # XXXX OPENED ON XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OPENED ON XXXXINQUIRIES : XXXX ON DATE XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: JHL, LLC
State: NC

Complaint narrative:
I was steered into using a particular service/product ( per builder ) despite their being better financial options available to me. In addition, I was not provided the proper information or tools obligated by the mortgage loan XXXX during the credit application and purchase of my mortgage. After this information was brought to my attention, I immediately spoke ( XX/XX/XXXX ) with both the builder and XXXX about the issues I found present and was then coerced into proceeding purchasing with preferred lender/XXXX  despite any financial turmoil that may be caused because of it. I have all reason to believe that there is some sort of fraud ring apparent, I don't think anyone else should have to experience being steered into something that is not in their best financial interest and taken advantage of. My family and I are very unhappy with this entire experience.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: GA

Complaint narrative:
XXXX reaches {$120.00} XXXX settlement for misleading student loan borrowers In a detailed report, the bureau argued that XXXX violated the Consumer Financial Protection Act, the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Additionally, the CFPB alleges that XXXX misled and harmed student loan borrowers by : Misleading borrowers about income-driven repayment plans Original promissory note was illegally acquired from a bank that had no legal right to assume the role as guarantor of the loan from the Department of Education XXXX 
I was mislead by my college who falsely stated that I had to take out a loan with the Department of Education to pay for my college expenses and negligently omitted that I was awarded a school XXXX from the XXXX XXXX and a scholarship from an outside entity and instead offered a student loan as an only alternative.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: GA

Complaint narrative:
XXXX reaches {$120.00} XXXX settlement for misleading student loan borrowers In a detailed report, the bureau argued that XXXX violated the Consumer Financial Protection Act, the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Additionally, the CFPB alleges that XXXX misled and harmed student loan borrowers by : Misleading borrowers about income-driven repayment plans Original promissory note was illegally acquired from a bank that had no legal right to assume the role as guarantor of the loan from the Department of Education XXXX 
I was mislead by my college who falsely stated that I had to take out a loan with the Department of Education to pay for my college expenses and negligently omitted that I was awarded a school XXXX from the XXXX XXXX and a scholarship from an outside entity and instead offered a student loan as an only alternative.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: GA

Complaint narrative:
XXXX reaches {$120.00} XXXX settlement for misleading student loan borrowers In a detailed report, the bureau argued that XXXX violated the Consumer Financial Protection Act, the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Additionally, the CFPB alleges that XXXX misled and harmed student loan borrowers by : Misleading borrowers about income-driven repayment plans Original promissory note was illegally acquired from a bank that had no legal right to assume the role as guarantor of the loan from the Department of Education XXXX 
I was mislead by my college who falsely stated that I had to take out a loan with the Department of Education to pay for my college expenses and negligently omitted that I was awarded a school XXXX from the XXXX XXXX and a scholarship from an outside entity and instead offered a student loan as an only alternative.

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