vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-06 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: NJ

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies to investigate the accuracy of disputed information and take steps to ensure consumers credit reports are accurate. For example, consumer reporting agencies must provide notice of a consumer dispute to the furnisher who provided the disputed information, conduct reasonable investigations to determine whether the disputed information is inaccurate, and provide the results of the investigation to the consumer. 

The CFPB found Equifax violated the FCRAs requirements for investigating and processing consumer disputes and assuring maximum possible accuracy of information on its consumer reports. The CFPB also found that Equifax violated the law by using ineffective systems and flawed processes, and excessively deferring to furnishers to address disputes. Specifically, the CFPB found Equifax harmed consumers by :

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 2025-03-06 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: NJ

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies to investigate the accuracy of disputed information and take steps to ensure consumers credit reports are accurate. For example, consumer reporting agencies must provide notice of a consumer dispute to the furnisher who provided the disputed information, conduct reasonable investigations to determine whether the disputed information is inaccurate, and provide the results of the investigation to the consumer. 

The CFPB found Equifax violated the FCRAs requirements for investigating and processing consumer disputes and assuring maximum possible accuracy of information on its consumer reports. The CFPB also found that Equifax violated the law by using ineffective systems and flawed processes, and excessively deferring to furnishers to address disputes. Specifically, the CFPB found Equifax harmed consumers by :

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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Transworld Systems Inc. ( TSI ) is reporting an unverified collection account on my credit report in violation of the Fair Debt Collection Practices Act ( FDCPA ) 1692g and the Fair Credit Reporting Act ( FCRA ) 1681s-2. 

On XX/XX/year>, I sent TSI a formal written dispute requesting full validation of this debt, including supporting documentation proving I owe it. Instead of responding, TSI reported the debt to the credit bureaus on XX/XX/XXXX, XXXXafter I had already disputed it, which is a direct violation of federal law. I followed up with additional letters on XX/XX/XXXX and XX/XX/year>, but TSI has failed to provide any verification as required by law.

Under FDCPA 1692g ( b ), a debt collector can not engage in collection activity, including credit reporting, without validating the debt upon request. Since TSI did not validate the debt before reporting it, this account is inaccurate, unverifiable, and should not be on my credit report.

This false reporting caused my credit score to drop by 96 points, harming my financial standing. I have also disputed this with XXXX, XXXX, and XXXX. 

I request that the CFPB investigate this matter and require TSI to immediately remove this account from my credit report due to their failure to comply with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-03-06 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: NY

Complaint narrative:
My personal information was breached in the Equifax data breach. Adverse information was furnished to my consumer XXXX report. Please review the attached items for more details. I expect these fraudulent accounts to be removed in XXXX business days according to the 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 explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally dispute inaccuracies in my credit report related to the account XXXX XXXX ( Account No. XXXX ). As per my legal rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I request an immediate investigation and correction of the following errors : Incorrect Charge-Off Reporting : A 1099-C Cancellation of Debt Form, issued by XXXX XXXXXXXX and dated XX/XX/XXXX, confirms that {$2300.00} was canceled on XX/XX/XXXX. 
Despite this, the credit report continues to list the account as charged off and delinquent into XXXX, which is inaccurate. 
Balance Reporting Violation : The Experian report states the balance remains at {$2900.00}, which contradicts the 1099-C debt cancellation. 
Per IRS guidelines ( IRS Publication 4681 ) and FCRA 1681s-2 ( a ) ( 1 ) ( B ), a debt that has been canceled should not be reported as still owed. 
Continued Reporting of Delinquencies After Debt Cancellation : The account still shows " CO '' ( Charge-Off ) marks for XXXX and XXXX, even though the debt was discharged in XX/XX/XXXX. 
This violates FTC enforcement actions and case law, such as XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), which established that outdated or inaccurate negative information must be removed. 
Requested Action : Remove from credit report Ensure compliance with FCRA 1681s-2 ( a ) to maintain accurate reporting. 
Per 15 U.S.C. 1681i, you are required to investigate this dispute and respond within 30 days. Please provide written confirmation of the corrections made. If you fail to correct these errors, I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and state Attorney Generals office.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally dispute inaccuracies in my credit report related to the account XXXX XXXX ( Account No. XXXX ). As per my legal rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I request an immediate investigation and correction of the following errors : Incorrect Charge-Off Reporting : A 1099-C Cancellation of Debt Form, issued by XXXX XXXXXXXX and dated XX/XX/XXXX, confirms that {$2300.00} was canceled on XX/XX/XXXX. 
Despite this, the credit report continues to list the account as charged off and delinquent into XXXX, which is inaccurate. 
Balance Reporting Violation : The Experian report states the balance remains at {$2900.00}, which contradicts the 1099-C debt cancellation. 
Per IRS guidelines ( IRS Publication 4681 ) and FCRA 1681s-2 ( a ) ( 1 ) ( B ), a debt that has been canceled should not be reported as still owed. 
Continued Reporting of Delinquencies After Debt Cancellation : The account still shows " CO '' ( Charge-Off ) marks for XXXX and XXXX, even though the debt was discharged in XX/XX/XXXX. 
This violates FTC enforcement actions and case law, such as XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), which established that outdated or inaccurate negative information must be removed. 
Requested Action : Remove from credit report Ensure compliance with FCRA 1681s-2 ( a ) to maintain accurate reporting. 
Per 15 U.S.C. 1681i, you are required to investigate this dispute and respond within 30 days. Please provide written confirmation of the corrections made. If you fail to correct these errors, I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and state Attorney Generals office.

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 2025-03-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT! THIS IS NEW INFORMATION SINCE THE INITIAL COMPLAINT! PLEASE ACTUALLY RESPOND AND PROVIDE ME A DIRECT CONTACT!!! 

Account balances changed on charged off accounts recently by {$1.00}. Amount due changed by {$14000.00}. Delinquency information reported to credit bureaus is inconsistent and inaccurate ( late payments go from XXXX, XXXX, XXXX, back to XXXX, XXXX, XXXX ) to charged off. How is this possible? Under the debt collection rule, debt XXXX have to provide you with certain information about your debt, known as validation information. Generally, this information is provided in a written notice sent as the initial communication to you or within XXXX days of their first communication with you, and it may be sent by mail or electronically. Please advise how I can obtain this information. The online billing system is inconsistent with recent changes to credit reporting. The information helps you recognize whether the debt is yours and, if not, how to dispute it. Please provide information on dispute policy. A statement that the communication is from a debt collector. Your name and mailing information, along with the name and mailing information of the debt collector. The name of the creditor you owe the debt to It is possible that more than one creditor will be listed The account number associated with the debt An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date The current amount of the debt when the notice is provided Information you can use to reply to the debt collector, such as if you believe the debt is not yours or if the amount is wrong An end date for a 30-day period when you can dispute the debt. Who is the debt collector? Navient or XXXX? How can I obtain the debt validation information?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: MI

Complaint narrative:
Unauthorized Loan Transfer : Nelnet transferred parts of my loans to XXXX XXXX XXXX without my consent or prior notice, resetting my repayment progress and did not keep my current XXXX plan with the transfer. None of my current XXXX plan payments ( nearly XXXX years at {$0.00} due to financial hardship and forberance ) were counted toward forgiveness. 
Nelnet/XXXX  stated there was no way to honor my plan or adjust past and current credit. 
My forgiveness term was switched from XXXX  years to XXXX  years, increasing both my payment amount and loan term. Additionally, I should receive credit toward forgiveness for payments, forbearance, hardship made before XXXX and my currently due to the forberance with Both NelnetXXXX XXXX XXXX XXXX XXXX XXXX ( PSLF ) Issues : I work for a school district, yet my XXXX payments are not counting toward forgiveness. Nelnet claims my employer is ineligible, despite me working for a public school. Payment History Error : Nelnet withdrew a payment of {$260.00} on XX/XX/XXXX, which I could not afford due to my low income. They refused to process my appeal to correct the overcharge. Financial Counseling & Disclosure : Nelnet never informed me of hardship repayment options that could have reduced my debt while I was a student or during financial hardship. Instead, I was repeatedly pushed into deferment or forbearance, which increased my balance and delayed forgiveness.I was never told that certain deferments accrued interest, adding unnecessary costs.Had I received proper guidance, I could have remained on {$0.00} or low-income payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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. Act Name : Capital XXXX, Act Name : XXXX XXXX Name : XXXX XXXX XXXX XXXX Name : XXXX XXXX Name : XXXX, XXXX Name : Upgrade, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-03-06 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-03-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: ID

Complaint narrative:
Hello, I filed a claim about a payment of {$1000.00} I XXXX with my bank US Bank. A friends XXXX account was hacked this hacked account said they were selling XXXX XXXX tickets. They acted like our friend, as soon as the money was XXXX  the person changed their contact information will XXXX. My sister also lost {$1000.00} to the same scammer. This happened in XXXX. Once we figured out we had been scammed we immediately contacted our banks and they were not of any help.

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 2025-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase decided to add a strictly business credit account to my personal credit report. The account is on autopay, has no missed payments or any other issues. This is unexpected and not something usually done. I've been utilizing business credit for close to a decade and never had this issue occur. The account which is for business has made my score plummet. This can have negative impacts on my student loans amongst many other things.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-03-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief