vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 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: TX

Complaint narrative:
Thank you, XXXX Ive included that important detail in this updated version of your complaint : -- - I am submitting this formal complaint against * * Equifax * * for the continued and unlawful reporting of a collection account by * * XXXX XXXX * * on behalf of * * XXXX Apartments XXXX * *. This account, which is currently being reported solely under my name, is both inaccurate and the result of a documented * * XXXX XXXXXXXX * * situation that I previously reported to the CFPB. I also submitted my * * family safety plan issued by the XXXX Department XXXX XXXX and XXXX XXXX ( XXXX ) * * as supporting documentation. 

To clarify, * * this was not a shared lease * *, nor was this a voluntary move on my part. I was * * forced to vacate the apartment and immediately relocate * * due to XXXX safety requirements for myself and my children. In addition to the safety concerns, the * * property manager at XXXX Apartments refused to accept my housing voucher as a valid form of payment * *, which further left me with no option but to leave the property and secure housing with a complex that would honor my public housing benefits. 

Despite being fully informed of these circumstances, * * Equifax continues to report this account as an individual obligation * * and has permitted the debt to be * * sold to XXXX * *, treating the forced move and voucher rejection as a standard lease default. This is not only misleading, but a violation of the * * Fair Credit Reporting Act ( FCRA ) * * and * * federal protections for survivors of domestic violence * * and those utilizing housing assistance programs. The debt was not rightfully incurred under fair or legal conditions. Selling and reporting this account while it was actively in dispute and under protection guidelines constitutes * * fraud, misrepresentation, and negligence * *. 

This situation has caused lasting harm to my credit and re-traumatized me as I work to recover and rebuild my life. I can provide written proof of my XXXX safety plan, documentation of my public housing eligibility, and proof that my voucher was rejected which directly led to my relocation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: NY

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: GA

Complaint narrative:
IM REQUESTING A FULL INVESTIGATION ON THE FRAUDULENT ITEMS ON MY CREDIT REPORTS 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 PROVIDE THE METHOD OF YOUR DISPUTE PROCESS

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 2025-05-06 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: GA

Complaint narrative:
IM REQUESTING A FULL INVESTIGATION ON THE FRAUDULENT ITEMS ON MY CREDIT REPORTS 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 PROVIDE THE METHOD OF YOUR DISPUTE PROCESS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: MD

Complaint narrative:
There was a data breach that compromised my personal and financial data, violating XXXX and title XXXX, i request a full cancellation of all student loan debt and removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
Please See CFPB XXXX Case closed with poor response from TD Bank , only one issue addressed most concerns remain unanswered and I still have not received copies of the documents I was forced to sign Not sure why the case was closed, simply because a response was received? 

Please reopen!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
TransUnions claim that the disputed items on my credit report were verified as reported IS A LIE. That response is inadequate, misleading, and does not meet the legal standard under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Let me be clear : TransUnion did not conduct a lawful or reasonable investigation of my disputes. The so-called verification was nothing more than a rubber-stamp denial, with no documentation, no explanation, and no evidence provided.

Points of Concern : Failure to Provide Proof of Verification TransUnion claimed the XXXX XXXX and XXXX XXXX  ( XXXX ) tradelines were " verified. '' Yet, no documentation was providedno contracts, no signatures, no proof of responsibility. Under the FCRA, a reasonable reinvestigation requires evidence, not just XXXX reliance on data furnishers. If you can not produce documentation linking me to these debts, you are required by law to delete them. 

Reporting an Inaccurate Name Causing Identity Confusion You listed my name as XXXX XXXX XXXX XXXX XXXX XXXX. That is not my legal name. My correct legal name is XXXX XXXX, with no middle name. This false alias directly impacted my file and led to incorrect data being tied to my identity. This violates 1681e ( b ) the obligation to ensure maximum accuracy in reporting. 

Failure to Address Settled Account The XXXX XXXX debt was part of a documented legal settlement, and per the terms, the trade line was to be deleted. Continuing to report it without confirming settlement terms is a serious violation of the FCRA and my rights. 

No Investigation Details Shared If a proper investigation had been done, you would be able to provide : The name of the party you contacted The documents reviewed The method of verification You did not provide any of these. Your response lacks transparency and fails to meet legal standards.

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 2025-05-06 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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 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 2025-05-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: WV

Complaint narrative:
MOHELA is unfairly racking up interest on my student loans every single day, even though Im still in college and my loans shouldnt be accruing or due yet. I have phone call records that prove Ive reached out multiple times, but their customer service keeps giving me the runaround transferring me, providing conflicting information, and ultimately failing to fix the issue. Despite being enrolled and eligible for in-school deferment, the interest continues to grow, and no one at MOHELA seems willing or able to resolve the mistake.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: OH

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I applied for a XXXX XXXX card and used {$50.00} from it. I lost the card, and when I went to pay the bill, they stated it was {$200.00}. 
I asked them to work with me and do a settlement, but they refused. This collection is reporting on my credit report and bringing my score down.

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 2025-05-06 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: IN

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-05-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: FL

Complaint narrative:
Hello, I have XXXX loans that total {$88000.00}, and total grants disbursed of {$32000.00}. I attached my XXXX data to this email. 

My loans are serviced by : XXXX XXXX XXXX XXXX XXXX XXXX  ( FORM NAVIENT ) DEPT OF EDXXXX I was part of the XXXX XXXX XXXX  Class action suit and it did not get applied to my account as I can see. I called the service providers to discuss and they told me to submit a borrowers defense application online and they told me that the XXXX XXXX XXXXXXXX is closed, which was XXXX of the reasons I was callling. 

The following applications have been in review or pending since 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 I called and applied for Income-Driven Repayment Plan, which they put my loans in forbearance. 
Closed Date Submitted : XX/XX/XXXXXXXX XXXX Meanwhile, all the applications I was told to submit, nobody is addressing them. I do not get any status updates, and if I call to inquire about the status, they tell me to look online. When I look online they either closed the application or sent me a letter in which they keep copying over and over without doing any investigation into my problem. I have not received any phone calls. 

I am requesting a review of my account and a one-time adjustment that would result in total forgiveness of all my outstanding student loans, which are currently over {$88000.00}. 

Please contact me if you need additional information. If you would please help me in getting my loans forgiven as I have been trying for several years as you can see by the borrowers defense applications. 


Best regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MA

Complaint narrative:
XXXX called the collection agency a settlement amount was given a 1 representative a PIN number for a payment was given. I called again be use the amount on the link was different than what the 1 representative has said. The 2 nd representative gave me another amount not what the first amount was. A settlement was settle by the first representative but it was never emailed with the correct 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 2025-05-06 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: CA

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 2025-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: FC HoldCo LLC
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint against XXXX XXXX XXXX XXXX regarding a vehicle loan I have with them ( Account XXXX : XXXX ). Over XXXX business days ago, I submitted a written request to XXXX asking for loan relief, a refinance review, and an audit of the account due to severe financial hardship, an inoperable vehicle, and what appear to be predatory lending patterns. I received no formal resolution. 

Here are the critical issues : I was told I was eligible for refinancing, then abruptly told to wait and skip a payment due to hardship only to now be harassed for payment again without any resolution. 

I was sold on the belief this loan would be paid off in XXXX years, but the current structure shows XXXX more years remaining. 

In XXXX years of paying XXXX XXXXXXXX on a {$41000.00} truck, Ive only reduced the balance by around {$10000.00}, and they now claim I have no equity to refinance. 

The vehicle 's current market value is only around {$20000.00}, meaning the loan is severely underwater, with high front-loaded interest and minimal principal benefit. 

The truck is currently non-operational and under litigation with XXXX due to known engine issues, yet XXXX refuses to work with me or adjust terms. 

I believe this loan exhibits characteristics of a predatory structure and violates standards of fair lending. XXXX XXXX has also been subject to multiple CFPB complaints for similar practices. 

I am asking the CFPB to intervene and request : A full loan audit and interest recalculation A clear explanation of the payoff structure and timeline A refinance option based on current market value and affordability A review of any excess charges, GAP fees, and misapplied interest Loan forgiveness consideration given the trucks non-functionality and diminished value XXXX lack of transparency and refusal to resolve this in good faith is causing continued financial harm. I am requesting CFPB assistance in holding this lender accountable and helping to find a fair resolution. 

Thank you for your time and support.

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 2025-05-06 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: IN

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-05-06 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: NJ

Complaint narrative:
Consumer Name : ( XXXX XXXX XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX under the account number ( private ), a credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number ( private ), and another credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX under the account number ( private. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-05-06 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 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 explanation
Consumer complaint received 2025-05-06 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 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