vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 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: OH

Complaint narrative:
I filed a dispute with Experian about XXXX XXXX being on my credit report fraudulently on XX/XX/year> it is now XX/XX/year> and according to the FCRA section 1681 i ( a ) ( 1 ) ( a ) - ( b ) ( a ) states a consumer reporting agency must investigate disputed information within 30 days of receiving notice of dispute.

( b ) if you provide additional relevant information during the the 30 day period, the investigation period may be extended to XXXX days. XXXX days passed without a response, which is a violation of the FCRA so i would like for it to be deleted which is the appropriate thing to do according to FCRA 15 u.s.c. 1681i )

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 2025-04-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: MortgagePros, LLC
State: GA

Complaint narrative:
This is the second complaint I am having to file against Mortgage Pros LLC. The alst one was filed last month. They are still continuing to send solicitation letters in the mail. They have ignored my initial request for removal, so i filed a complaint in XXXX, they responded to the complaint saying they would remove me from their list. Since then, I have received two more solicitations. I understand it takes a week or so to ensure my name has been removed, that's why I let the one at the beginning of the month slide, but I just received another one today. This company is clearly incapable of being honest and following the wishes of their potential customers. I want them to understand that failure to remove me from their list will result in me pursuing this through the courts, with hefty fines for each piece of mail received after my request for removal. I have saved these letters, as well as a recording of the original call where I asked to be removed, and the customer service rep got an attitude and started making sarcastic remarks. Again, showing that this company is very unprofessional and can not be trusted. It would be wise of them to listen this time, and do their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: OK

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the validity of the student loan ( s ) associated with my name and Social Security number, on the grounds of a violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ), 20 U.S.C. 1232g.

According to FERPA, educational institutions must obtain written consent from students before disclosing personally identifiable information ( PII ) from their education records to third parties, including lenders or loan servicers. Upon reviewing my records, I have reason to believe that such a disclosure occurred without my consent, which constitutes a violation of my FERPA rights.

Specifically : I did not authorize the release of my educational records to the lender/servicer associated with the loan ( s ) in question.

I was not made fully aware of the loan obligations being entered into, nor did I receive proper counseling or documentation at the time of origination.

If a parent, guardian, or other party signed or initiated the loan using my information without proper consent or without me being of legal age, this would further support my claim of improper and unauthorized action.

As a result of this violation, I am requesting : 1. An immediate investigation into the origination of the loan ( s ) and the method through which my information was obtained.

2. A full audit of any consent forms or documentation allegedly signed by me.

3. A suspension of any collection efforts while this matter is under review.

4. The removal or discharge of this debt if a FERPA violation is confirmed.

Please provide a written response detailing the outcome of your investigation, including any evidence you rely upon to assert the validity of the loan. 

Thank you for your attention to this matter. I am prepared to escalate this issue to the XXXX Department of Education and seek legal recourse if necessary.

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 2025-04-16 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: OK

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the validity of the student loan ( s ) associated with my name and Social Security number, on the grounds of a violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ), 20 U.S.C. 1232g.

According to FERPA, educational institutions must obtain written consent from students before disclosing personally identifiable information ( PII ) from their education records to third parties, including lenders or loan servicers. Upon reviewing my records, I have reason to believe that such a disclosure occurred without my consent, which constitutes a violation of my FERPA rights.

Specifically : I did not authorize the release of my educational records to the lender/servicer associated with the loan ( s ) in question.

I was not made fully aware of the loan obligations being entered into, nor did I receive proper counseling or documentation at the time of origination.

If a parent, guardian, or other party signed or initiated the loan using my information without proper consent or without me being of legal age, this would further support my claim of improper and unauthorized action.

As a result of this violation, I am requesting : 1. An immediate investigation into the origination of the loan ( s ) and the method through which my information was obtained.

2. A full audit of any consent forms or documentation allegedly signed by me.

3. A suspension of any collection efforts while this matter is under review.

4. The removal or discharge of this debt if a FERPA violation is confirmed.

Please provide a written response detailing the outcome of your investigation, including any evidence you rely upon to assert the validity of the loan.

Thank you for your attention to this matter. I am prepared to escalate this issue to the XXXX Department of Education and seek legal recourse if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: AZ

Complaint narrative:
Entries for late payments appear on my report that I believe to be inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, my report is required to contain only information that is accurate, complete, and verifiable. I am requesting that these late payment entries be verified, and if they can not be confirmed, that they be corrected or removed.

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-04-16 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: AZ

Complaint narrative:
In XX/XX/XXXX, I filed a dispute with Experian regarding an error on my credit report. They are reporting two active XXXX student loans with the same origination date : XX/XX/XXXX. This is incorrect only XXXX active loan exists. The original disbursement was {$25000.00}, with a current balance of {$13000.00}. Three smaller XXXX loans were paid off years ago. 

I logged into my XXXX account and confirmed only one loan is currently outstanding. I submitted a screenshot to Experian showing this. Despite that, they denied the dispute without explanation. 

I re-filed the dispute in XX/XX/XXXX. Again, Experian failed to correct the error and provided no reasoning for their decision. 

I also contacted XXXX directly. Their representative confirmed I have only one active loan and mentioned theyve seen this issue before where closed or consolidated loans are incorrectly shown as active by credit bureaus. 

This false duplicate is negatively affecting my credit. Im requesting the CFPBs assistance in getting Experian to correct this inaccurate 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 2025-04-16 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:
After receiving a email from Equifax notifying me that my personal information has been in a data breach. I discovered negative and unauthorized information on my credit report, and immediately contacted Experian, Equifax and TransUnion 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, which has negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I have face multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential fraudulent activity tied to the Equitax data breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my tinancial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: CT

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX is reporting a XXXX late payment from XX/XX/year> to Experian. I disputed this with Experian and asked for verification documentation showing that XXXX provided proper notice or billing statements. I received no documentation just a message stating that XXXX " verified the account as accurate '' in less than XXXX hours. 

This is not a proper reinvestigation under the FCRA. Experian accepted Affirms unverified response without requiring them to provide any records or proof. I am requesting that this negative mark be removed unless actual evidence is provided. I am also requesting a detailed explanation from Experian of how their investigation was conducted.

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: NRA Group, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I spoke with National Recovery about a debt I wasn't sure was mine from a hospital. I asked them why they put it on my credit report as the new law says they're not allowed to my answer from them was because they're not really watching there's nobody to enforce it. So I was told they would remove it if I paid them on top of the debt. I was to understand there and all I put in medical bills on my credit report but it's there and it was recently.

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 2025-04-16 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:
I am writing to formally dispute the inclusion of the following inaccurate and unauthorized accounts on my credit report I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ). You are legally obligated to conduct a reasonable and timely investigation into this matter. If you can not verify the accuracy of this account within 30 days, it must be deleted immediately from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: MA

Complaint narrative:
I filed a dispute with all three credit bureaus because XXXX XXXX XXXX XXXX  is not properly reflecting my on-time payments or monthly payment amount. I received the disputes back with no changes made, stating that XXXX XXXX XXXX  reviewed and verified the information. They either completely ignored the request or are purposely attempting to delay proper reporting. It already took them over XXXX months to onboard my loan and reflect in on my credit. The least they could do, is provide accurate information. 

This is the second time that I have had to file a complaint because XXXX XXXX XXXX XXXX  simply will not fix anything unless you go to extreme measures. 

I made on time payments for XXXX, XXXX and XXXX. Neither the XXXX nor XXXX payments are being reflected on any of my reports. Additionally, they have my monthly payment as {$2900.00} when it should be {$2600.00}. Although it may seem inconsequential to this mortgage company, they are required to provide full and accurate reporting.

I have pulled the true and accurate information directly from their own website, showing on time payments and my monthly payment. The fact that they could blatantly state that they reported accurately, but the truth is right there for them to see, is extremely unprofessionally. 

Please see attached screenshots reflecting my name, loan number, payments made on time and my true monthly payment. Kindly do not close out this complaint when XXXX XXXX XXXX responds, as they have a habit of claiming things have been resolved when they haven't ( My first dispute was not completed satisfactorily, at all )

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 2025-04-16 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: MA

Complaint narrative:
I filed a dispute with all three credit bureaus because XXXX XXXX XXXX XXXX is not properly reflecting my on-time payments or monthly payment amount. I received the disputes back with no changes made, stating that XXXX XXXX XXXX  reviewed and verified the information. They either completely ignored the request or are purposely attempting to delay proper reporting. It already took them over XXXX months to onboard my loan and reflect in on my credit. The least they could do, is provide accurate information. 

This is the second time that I have had to file a complaint because XXXX XXXX XXXX XXXX  simply will not fix anything unless you go to extreme measures. 

I made on time payments for XXXX, XXXX and XXXX. Neither the XXXX nor XXXX payments are being reflected on any of my reports. Additionally, they have my monthly payment as {$2900.00} when it should be {$2600.00}. Although it may seem inconsequential to this mortgage company, they are required to provide full and accurate reporting.

I have pulled the true and accurate information directly from their own website, showing on time payments and my monthly payment. The fact that they could blatantly state that they reported accurately, but the truth is right there for them to see, is extremely unprofessionally.

Please see attached screenshots reflecting my name, loan number, payments made on time and my true monthly payment. Kindly do not close out this complaint when XXXX XXXX XXXX responds, as they have a habit of claiming things have been resolved when they haven't ( My first dispute was not completed satisfactorily, at all )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: MA

Complaint narrative:
I filed a dispute with all three credit bureaus because XXXX XXXX XXXX XXXX  is not properly reflecting my on-time payments or monthly payment amount. I received the disputes back with no changes made, stating that XXXX XXXX  XXXX reviewed and verified the information. They either completely ignored the request or are purposely attempting to delay proper reporting. It already took them over two months to onboard my loan and reflect in on my credit. The least they could do, is provide accurate information. 

This is the second time that I have had to file a complaint because XXXX XXXX XXXX XXXX  simply will not fix anything unless you go to extreme measures. 

I made on time payments for XXXX, XXXX and XXXX. Neither the XXXX nor XXXX payments are being reflected on any of my reports. Additionally, they have my monthly payment as {$2900.00} when it should be {$2600.00}. Although it may seem inconsequential to this mortgage company, they are required to provide full and accurate reporting.

I have pulled the true and accurate information directly from their own website, showing on time payments and my monthly payment. The fact that they could blatantly state that they reported accurately, but the truth is right there for them to see, is extremely unprofessionally. 

Please see attached screenshots reflecting my name, loan number, payments made on time and my true monthly payment. Kindly do not close out this complaint when XXXX XXXX  XXXX responds, as they have a habit of claiming things have been resolved when they haven't ( My first dispute was not completed satisfactorily, at all )

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