vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 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: VA

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 non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
According to XXXX XXXX XXXX XXXX XXXX is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 16811,15 USC 1681s-2,15 USC 1681 ( 5 ) ,15 USC 1681e ( b ). Delete ACCOUNT ( Nelnet ) and anything shown as a delinquent account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: OK

Complaint narrative:
XXXX XXXX Im not sure the date cause they been delaying me a lot but my appeal got denied after being denied the first time I was robbed and my card and wallet was stolen police was able to recover my phone but not card and wallet they had had assess my account because my account information for everything is in my notes they said they found no problems after I sent in my police report and the person of interest for the crime they still denied me I used SoFi for my XXXX and never use it

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

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. 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 2025-05-09 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:
My Experian credit report contains multiple inaccurate late payment entries, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhese entries are reported with incorrect balances and past due amounts, which is a direct violation of my rights under 15 USC 1666 and 1666 ( b ), which require accurate and complete reporting of account statuses. The repeated presence of these unvalidated late payments has significantly damaged my credit score, making it difficult to access fair financial opportunities and creating immense emotional stress. This ongoing issue raises serious concerns about the potential mishandling of my sensitive financial data, possibly due to a data breach, which only adds to my frustration.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To : [ Experian / XXXX XXXX  TransUnion XXXX bureau per letter ] [ Credit Bureau Address listed below ] Subject : Second Request Urgent Removal of Fraudulent Addresses from My Credit File Dear [ Experian / Equifax / TransUnion ], I am submitting this letter as a second formal request to dispute and remove addresses from my credit file that are fraudulent and not associated with me in any way. I have never resided at the following addresses, and they are negatively impacting the accuracy and integrity of my credit report. 

Fraudulent Addresses to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX These addresses is the result of identity theft an error in your reporting system. Despite my previous attempt to have these removed, they remain on my credit file and continue to be improperly linked to my profile. 

To support this dispute, I am enclosing : A copy of my government-issued ID A recent utility bill or bank statement showing my current address Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you immediately investigate this matter and permanently delete the fraudulent addresses listed above from my credit file. Once your investigation is complete, please send me a corrected copy of my credit report and written confirmation that the inaccurate addresses have been removed. 

I expect this issue to be resolved promptly and in compliance with the FCRA. Please contact me if you require any further information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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:
To : [ Experian / XXXX XXXX  TransUnion XXXX bureau per letter ] [ Credit Bureau Address listed below ] Subject : Second Request Urgent Removal of Fraudulent Addresses from My Credit File Dear [ Experian / Equifax / TransUnion ], I am submitting this letter as a second formal request to dispute and remove addresses from my credit file that are fraudulent and not associated with me in any way. I have never resided at the following addresses, and they are negatively impacting the accuracy and integrity of my credit report. 

Fraudulent Addresses to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX These addresses is the result of identity theft an error in your reporting system. Despite my previous attempt to have these removed, they remain on my credit file and continue to be improperly linked to my profile. 

To support this dispute, I am enclosing : A copy of my government-issued ID A recent utility bill or bank statement showing my current address Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you immediately investigate this matter and permanently delete the fraudulent addresses listed above from my credit file. Once your investigation is complete, please send me a corrected copy of my credit report and written confirmation that the inaccurate addresses have been removed. 

I expect this issue to be resolved promptly and in compliance with the FCRA. Please contact me if you require any further information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
i had a loan with XXXX  for a XXXX and it got charged off they said it was cuz of insufficient funds but i didnt ignore the payments i got messages saying they would charge me so i thought it was working i was going through a lot at the time like mental and health stuff and i told them i also said i had an iep in school and i dont understand stuff like this good i asked if they could remove the charge off as a one time thing but they said no even after talking to a supervisor i just want a chance to fix this and move on i still want to use 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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Cliff Lending Inc. d/b/a Advance Loan Solutions
State: CA

Complaint narrative:
Company provided information to a third party without my authorization versus stating personal business matter or similar. They identified the company, my name, and that it was in regard to a loan. They stated via email that I had 24 hours to respond, and called the third party before the end of that timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Shellpoint Mortgage Servicing has denied me a refinancing arrangement based on the XXXX XXXX  : 1. The value of the property as assessed by Shellpoint Mortgage Servicing of around {$830000.00} far exceeds the value of {$700000.00} as established by the XXXX XXXX XXXX XXXX in XX/XX/XXXX. 
XXXX. The desire of Shellpoint Mortgage Servicing Investors to rid themselves from my mortgage has nothing to do with my ability to pay for my mortgage. Shellpoint investors can just sell my mortgage to other servicing companies. 
XXXX. I make {$7000.00} NET a month while my monthly payments are {$2900.00}. Barring unforeseen expenditures, my income well covers the current monthly payments. 
XXXX. Shellpoint Mortgage Servicing has yet to furnish a formal approval or denial letter on my Loss Mitigation application fully completed on XX/XX/XXXX. 
XXXX. Shellpoint Mortgage Servicing has begun the foreclosure proceedings on XX/XX/XXXX. As of now, I have not been provided the foreclosure sale date to have a sufficient time to seek a XXXX XXXX protection for my property.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: SC

Complaint narrative:
XXXXXXXX XXXX is reporting an account on my credit report that is charged off, annd has not record of me signing any documentation holding me liable of such debt. The account is reporting past due every month. How can a charged off account be reported as past due every month? Also the date that the account was opened shows three totally different dates open and past due, etc. Account is reporting many inaccuracies and shall be removed according to the FCRA law 15 usc 1692. Ive reported this numerous of times and nothing has been done. Ive kept documentation of the disputes an d me notifying the company and credit bureau of my rights being violated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I recently discovered late payments on my credit report related to my federal student loan account. These were added after my loan was transferred to a new servicer, but I was never informed of the transfer. As a result, I missed communications and payments, thinking my account was in forbearance or still being handled by the previous servicer. 

When I contacted the new servicer and disputed the reporting, my claim was denied, despite the fact that I never received any communication about the change. I was not given a fair opportunity to keep my account current due to this lack of notice, and these late marks are now severely damaging my credit. 

Im requesting a full investigation into the failure to notify me of the servicer change and the resulting credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: FL

Complaint narrative:
My Equifax credit report contains an inaccurate late payment entry for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. This entry, reported without proper verification, is a clear violation of my rights under 15 USC 1666 and 1666 ( b ), which require accurate and complete reporting of account statuses. This mistake has caused significant stress and financial strain, as it unfairly lowers my credit score, limiting my access to essential financial products. The ongoing presence of this error also raises concerns about the security and accuracy of my personal information, particularly if this discrepancy is the result of a potential data breach, which is deeply unsettling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: NJ

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: NJ

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXXXXXX XXXX Original Creditor:XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Balance {$980.00} XXXXXXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance {$780.00} XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$520.00} XXXX XXXXXXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$720.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1800.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX A XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$460.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$750.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$750.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$420.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief