vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-24 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: SC

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: FL

Complaint narrative:
I am submitting this complaint against TransUnion Credit Bureau regarding inaccuracies in my personal information as reported in my credit report. 

Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX XXXX XXXXXXXX XXXX ; but it is listed incorrectly on my credit report as XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX. I request that my name be updated to reflect the correct information. 

XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX, FL XXXX ; but my credit report shows an outdated address as XXXX XXXX, XXXX, FL XXXX ; XXXX XXXX, XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, FL XXXX. I request that my current address be updated accordingly. 

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.

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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Bank errors in billing and reporting have caused significant harm to my credit. Under the Truth in Lending Act ( TILA ), specifically 15 U.S. Code 1666 ( b ), creditors are legally obligated to ensure payments and credits are reported accurately. However, I have identified multiple issues with my account. A payment I made was not properly recorded, and there are evident calculation errors in the reported balance. Additionally, I was not given the required 21-day notice before the payment was due, rendering any reported late payment invalid. These reporting inaccuracies are a direct violation of federal law and have unjustly damaged my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC.
State: CT

Complaint narrative:
I have been making timely payments to PENNYMAC, and now they refuse to accept my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Cashed out with a company I was doing business with. Not sure if the company was in good standing with the bank. The next day Chase closed my checking and savings account with out giving me a reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: WA

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 2025-03-24 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 you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX. Account # : XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
i filed a XXXX XXXX bankruptcy. which was dismissed on XX/XX/year> i ask transunion to remove this entry from my report because this bankruptcy was never sucessful

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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
i filed a XXXX XXXX bankruptcy. which was dismissed on XX/XX/year> i ask transunion to remove this entry from my report because this bankruptcy was never sucessful

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: CA

Complaint narrative:
Unauthorized items on my credit report, resulting from the fraudulent use of my personal information, continue to cause significant harm. I have never benefited from these transactions and have taken the appropriate steps by promptly filing a report with the Federal Trade Commission ( FTC ). Despite following the necessary procedures to address this issue, these fraudulent items remain on my report. Dealing with the ongoing effects of someone else 's misuse of my information has been incredibly frustrating. The continued presence of these unauthorized accounts negatively impacts my financial standing and violates my rights as a consumer.

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 2025-03-24 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: Nelnet, Inc.
State: AZ

Complaint narrative:
XXXX XXXX Bank has unlawfully committed identity theft by furnishing false and inaccurate information on the consumer 's credit report, specifically reporting a fraudulent debt in the amount of {$5700.00}. This false representation not only misrepresents the consumers financial standing but also constitutes a serious violation of federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). By willfully reporting and verifying this erroneous information, despite the lack of authorization or legitimate debt obligation, XXXX XXXX has caused substantial harm to the consumers creditworthiness and financial reputation. The Consumer alleges IDENTITY THEFT from Data Breach, as XXXX, XXXX and XXXX violated FCRA by failing to properly conduct reinvestigations of disputed information in consumer credit files ; failing to delete inaccurate, incomplete, or unverified information in consumer credit files ; failing to provide adequate written notice to consumers of the results of its reinvestigations ; failing to prevent the improper reinsertion of previously deleted information from consumer credit files ; and failing to follow reasonable procedures to assure maximum possible accuracy of the credit information XXXX reports on consumers. In addition, the complaint alleges that XXXX committed unfair acts or practices in violation of the XXXX XXXX XXXX XXXX of 2010 by ( XXXX ) failing to convey consumers disputes to furnishers fully and accurately, and instead distorting, truncating, and mischaracterizing consumers disputes ; ( XXXX ) relying excessively on furnishers to resolve disputes, routinely doing nothing more than sending the dispute to a furnisher and implementing the furnishers response, despite having evidence of that furnishers unreliability ; and ( XXXX ) improperly reinserting tradelines into consumer credit reports due to its practice of failing to adequately match newly reported tradelines to tradelines that were previously deleted as a result of a dispute if the subsequent furnishing was from a new furnisher. The XXXX seeks, among other things, to bring XXXX into compliance with the law, consumer redress, and the imposition of civil money penalties. Pertaining to the INACCURATE furnished Information by XXXX, XXXX and XXXX as well as DEPTEDNELNET in the amount of {$21000.00} which is false representation of inaccurate credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX XXXX Bank has unlawfully committed identity theft by furnishing false and inaccurate information on the consumer 's credit report, specifically reporting a fraudulent debt in the amount of {$5700.00}. This false representation not only misrepresents the consumers financial standing but also constitutes a serious violation of federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). By willfully reporting and verifying this erroneous information, despite the lack of authorization or legitimate debt obligation, XXXX XXXX has caused substantial harm to the consumers creditworthiness and financial reputation. The Consumer alleges IDENTITY THEFT from Data Breach, as XXXX, XXXX and TRANSUNION violated FCRA by failing to properly conduct reinvestigations of disputed information in consumer credit files ; failing to delete inaccurate, incomplete, or unverified information in consumer credit files ; failing to provide adequate written notice to consumers of the results of its reinvestigations ; failing to prevent the improper reinsertion of previously deleted information from consumer credit files ; and failing to follow reasonable procedures to assure maximum possible accuracy of the credit information XXXX reports on consumers. In addition, the complaint alleges that XXXX committed unfair acts or practices in violation of the XXXX XXXX XXXX XXXX of 2010 by ( XXXX ) failing to convey consumers disputes to furnishers fully and accurately, and instead distorting, truncating, and mischaracterizing consumers disputes ; ( XXXX ) relying excessively on furnishers to resolve disputes, routinely doing nothing more than sending the dispute to a furnisher and implementing the furnishers response, despite having evidence of that furnishers unreliability ; and ( XXXX ) improperly reinserting tradelines into consumer credit reports due to its practice of failing to adequately match newly reported tradelines to tradelines that were previously deleted as a result of a dispute if the subsequent furnishing was from a new furnisher. The XXXX seeks, among other things, to bring XXXX into compliance with the law, consumer redress, and the imposition of civil money penalties. Pertaining to the INACCURATE furnished Information by XXXX, TRANSUNION and XXXX as well as DEPTEDNELNET in the amount of {$21000.00} which is false representation of inaccurate credit 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 2025-03-24 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: MA

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: UT

Complaint narrative:
The issue I have been trying to resolve ( for over a year ) is a missing payment I made to Mohela for the amount of {$1100.00}. There is no record of this payment on my Mohela student loan account online. I've called Mohela directly over a dozen times and uploaded a bank statement that shows I paid {$1100.00} on XX/XX/year>. I've spoken to several supervisors with no resolution. I've spent countless hours on hold. Yet, I have been unsuccessful in reaching someone competent enough to understand or fix my problem, which I have repeatedly explained over and over again. Representatives have speculated that the problem originated because Mohela was transitioning to a new platform and/or payment system at the time I made the payment. I have been given false assurances that Mohela 's accounting department will locate the missing payment, and confirm that the money was received and put toward the total balance of my student loans. I have also been told that a tech department will update my account online to show a record of the payment. Multiple supervisors told me that the accounting department would send documentation in the mail within XXXX business days. Now, over a year later, Mohela has failed to do anything as promised, let alone confirm that my payment was received and allocated toward my student loan balance. As far as I know, my money is entirely missing. 
Below is a detailed overview of what I did in XXXX of 2024. 

On XX/XX/year>, I paid {$1100.00} from my checking account to XXXX XXXX XXXX XXXX XXXX student loan. Beforehand, I had received a loan disbursement of {$2100.00} on XX/XX/year>. Upon receiving this disbursement, I canceled {$1100.00} in the student loan portal through my university account because it was extra money I didn't need for tuition. A week later, I made a separate payment from my bank account for {$1100.00}. I have a record of this payment from my bank. It is a separate payment from the loan cancelation amount of {$1100.00} on XX/XX/XXXX. Yet, there is no record of this payment from XX/XX/year>.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: TX

Complaint narrative:
There are multiple accounts that are a result of identity theft on all XXXX bureaus that Ive reported to the police multiple times. Per FCRA 605B, I request its immediate removal from my credit report. I have provided the necessary identity theft report for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: CA

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2025-03-24 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:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

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 2025-03-24 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: IN

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 






XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : 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 2025-03-24 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( 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 non-monetary relief