vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 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:
I am outraged that the XXXX XXXX account ( XXXX ), which was fully deleted from my credit report last month, has been reinserted without any proper notice, certification, or disclosure of my dispute rights. This blatant violation of the Fair Credit Reporting Act, specifically XXXX USC XXXX ( a ) and XXXXi ( 5 ) ( B ) ( ii ) - ( iii ), also violates XXXX USC XXXXe ( b ), which requires maximum possible accuracy in consumer reports, and XXXX USC XXXXb, which restricts furnishing reports only for permissible purposes. Additionally, Equifaxs failure to comply constitutes negligent noncompliance under XXXX USC XXXXo. This has caused serious harm by damaging my creditworthiness, increasing stress, and potentially leading to denial of credit or higher interest rates. This inaccurate reinsertion misrepresents my financial history and undermines my ability to secure loans or favorable terms. Under XXXX USC XXXXn and XXXXo, Equifax is liable for statutory damages of up to {$1000.00} per violation. I demand immediate and permanent removal of this account. If Equifax fails to act promptly, I will pursue all legal remedies to protect my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: AZ

Complaint narrative:
I am filing a complaint regarding incorrect information reported about me. 
The credit report from XXXX XXXX XXXX contains inaccurate data, including : There is incorrect information on this account and I would like for it to be removed! 
This information is not accurate and is affecting my creditworthiness. 

I have already attempted to resolve this directly with XXXX XXXX XXXX but the issue has not been corrected.

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 2025-05-29 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: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 
XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 
XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX 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 2025-05-29 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: CA

Complaint narrative:
This letter is in reference to the correspondence I received on XX/XX/year>. I would like to formally clarify that I am the individual who initiated the dispute request. Furthermore, I affirm that all the documents I submitted along with my dispute are genuine, accurate, and provided in good faith to support the investigation 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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I am disputing the accuracy and completeness of several items in my credit file. Under XXXX USC XXXXe ( b ), consumer reporting agencies are required to assure maximum possible accuracy of the information contained in consumer reports. Additionally, XXXX USC XXXXi ( 5 ) requires prompt deletion or correction of inaccurate information, and XXXX USC XXXX obligates furnishers of information to report accurately. 

Below, I have detailed the disputed items in three categories. These items are inaccurate, outdated, and not compliant with federal reporting standards. I demand that these items be deleted immediately as required under the FCRA. 

XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$7500.00} - XXXX XXXX XXXX, XX/XX/XXXX, {$730.00} - XXXX XXXX XXXX, XX/XX/XXXX, {$1500.00} - XXXX XXXX XXXX, XX/XX/XXXX, {$630.00} - XXXX XXXX XXXX ( XXXX ), XX/XX/XXXX, {$400.00} - XXXX XXXX, XX/XX/XXXX, {$190.00} - XXXX XXXX XXXX, XX/XX/XXXX, {$230.00} - XXXX XXXX XXXX ( XXXX ), XX/XX/XXXX, {$150.00} - XXXX, XX/XX/XXXX, {$120.00}

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 2025-05-29 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: GA

Complaint narrative:
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I am disputing the accuracy and completeness of several items in my credit file. Under XXXX USC XXXXe ( b ), consumer reporting agencies are required to assure maximum possible accuracy of the information contained in consumer reports. Additionally, XXXX USC XXXXi ( 5 ) requires prompt deletion or correction of inaccurate information, and XXXX USC XXXX obligates furnishers of information to report accurately. 

Below, I have detailed the disputed items in three categories. These items are inaccurate, outdated, and not compliant with federal reporting standards. I demand that these items be deleted immediately as required under the FCRA. 

XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$7500.00} - XXXX XXXX XXXX, XX/XX/XXXX, {$730.00} - XXXX XXXX XXXX, XX/XX/XXXX, {$1500.00} - XXXX XXXX XXXX, XX/XX/XXXX, {$630.00} - XXXX XXXX XXXX ( XXXX ), XX/XX/XXXX, {$400.00} - XXXX XXXX, XX/XX/XXXX, {$190.00} - XXXX XXXX XXXX, XX/XX/XXXX, {$230.00} - XXXX XXXX XXXX ( XXXX ), XX/XX/XXXX, {$150.00} - XXXX, XX/XX/XXXX, {$120.00}

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 2025-05-29 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: Freedom Mortgage Company
State: OH

Complaint narrative:
Freedom Mortgage denies online account access to customers with assumed mortgages, citing unspecified 'IT risks ' without providing reasonable accommodations or alternative digital access solutions. 

When escalated to their management team, representatives confirmed this is non-negotiable company policy, refusing to discuss reasonable accommodations or timeline for providing equal digital access to assumed mortgage customers.

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 2025-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Target Redcard. 
I have had this credit card for years. I had fraudulent charge. They did not notify me of the charge. They blocked my card. I tried to use my card and was declined. I logged into my account to see if there was anything wrong. No indication of anything. Tried to use my card again and it was declined. An email stated fraudulent and to call. Called was told the only thing they could was send a new card out. I was planning on using the card on groceries but they could do nothing for me the day of. Said the new card would be there Tuesday. It is now Thursday. I called to follow up on the card. The card was never ordered. I leave for a business trip on monday and was planning on using it. They can send the card but the best they can do is Monday. 
I tried to speak to supervisor and was disconnected twice before I got someone. She ordered my card but was unable to compensate for any inconvenience I have had. Said that I would had to call the guest services of target. 
I just wanted something to be done for inconvenience. I won't be able to use my card for XXXX weeks now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: TX

Complaint narrative:
I RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF MY CREDIT FILE.

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 2025-05-29 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: FL

Complaint narrative:
Due to a breach of my personal data, unauthorized accounts have been posted to my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these items within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX  XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$3500.00} XXXX  - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$6600.00} Inquiries XXXX XXXX XXXX XXXX XXXX Date : XX/XX/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 2025-05-29 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:
Due to a breach of my personal data, unauthorized accounts have been posted to my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these items within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX  XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$3500.00} XXXX  - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$6600.00} Inquiries XXXX XXXX XXXX XXXX XXXX Date : XX/XX/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 2025-05-29 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I contacted Nelnet to request that the federal student loan in XXXX  XXXX  be moved under the XXXX repayment plan, just like my other loans, as I am eligible and have consistently qualified. The Nelnet representative confirmed on the phone that this request would be processed. However, despite this assurance, the request has not been fulfilled. 

This failure to act is not only unacceptable it is potentially harmful. This loan should never have been disbursed in the first place, as it stems from a period during which I was not officially enrolled due to medical hospitalization. I have formally contested this loan for years and have provided ample documentation. While the loan remains improperly active, Nelnets refusal to follow through on even a basic servicing request ( like placing it under XXXX ) adds to the financial damage and appears to reflect negligence or willful inaction. 

I am now incurring interest on a disputed and improperly disbursed loan that should, at the very least, be eligible for reduced payments under XXXX. I request immediate correction and a full explanation for Nelnets failure to follow through. If not resolved, I will escalate this matter further with oversight authorities and consider legal remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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:
Issue : Credit Reporting Incorrect Information on Credit Report Company ( ies ) : Experian, TransUnion, Equifax Consumers Problem : I am submitting this complaint due to the failure of the three major credit reporting agenciesExperian, TransUnion, and Equifaxto update and correct inaccurate personal information on my credit reports, despite multiple previous requests submitted via written correspondence, phone calls, and online forms.

Additionally, I have identified numerous discrepancies and errors that suggest I may be a victim of identity theft. These include mismatched account numbers, inconsistent payment statuses, and varying employer and address information across the three credit reports. These discrepancies have not been resolved, and no clear method of verification has been provided, as required by law.

Details of the Complaint : 1. Personal Information Update Failures Requests to correct and delete outdated names, phone numbers, addresses, Social Security number display, and employer data have been ignored.

The only correct address is currently not being reflected accurately.

Old addresses tied to potential fraud remain on the report.

2. Discrepancies Suggesting Identity Theft Same account numbers appear differently across the three bureaus.

Inconsistent reporting of payment status for the same account.

Mismatched employer records.

Different addresses used, indicating unauthorized activity.

3. Failure to Protect My Data Post-Data Breaches My information was compromised in multiple high-profile data breaches ( Equifax XXXX, XXXX XXXX , Experian XXXX ). 

Despite this, credit reporting agencies have not adequately protected or responded to fraud alerts or disputes. 

Fraudulent accounts were opened in my name after these breaches.

4. Violations of Federal Law The credit reporting agencies have failed to comply with : 15 U.S.C. 1681i ( a ) ( 6 ) : Failure to provide the method of verification.

15 U.S.C. 1681c-2 : Failure to block fraudulent information.

15 U.S.C. 1681b ( g ) : Failure to safeguard personal data.

15 U.S.C. 1681s-2 : Failure to ensure accurate data from furnishers.

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 2025-05-29 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: GA

Complaint narrative:
Issue : Credit Reporting Incorrect Information on Credit Report Company ( ies ) : Experian, TransUnion, Equifax Consumers Problem : I am submitting this complaint due to the failure of the three major credit reporting agenciesExperian, TransUnion, and Equifaxto update and correct inaccurate personal information on my credit reports, despite multiple previous requests submitted via written correspondence, phone calls, and online forms.

Additionally, I have identified numerous discrepancies and errors that suggest I may be a victim of identity theft. These include mismatched account numbers, inconsistent payment statuses, and varying employer and address information across the three credit reports. These discrepancies have not been resolved, and no clear method of verification has been provided, as required by law.

Details of the Complaint : 1. Personal Information Update Failures Requests to correct and delete outdated names, phone numbers, addresses, Social Security number display, and employer data have been ignored.

The only correct address is currently not being reflected accurately.

Old addresses tied to potential fraud remain on the report.

2. Discrepancies Suggesting Identity Theft Same account numbers appear differently across the three bureaus.

Inconsistent reporting of payment status for the same account.

Mismatched employer records.

Different addresses used, indicating unauthorized activity.

3. Failure to Protect My Data Post-Data Breaches My information was compromised in multiple high-profile data breaches ( Equifax XXXX, XXXX XXXX , Experian XXXX ). 

Despite this, credit reporting agencies have not adequately protected or responded to fraud alerts or disputes. 

Fraudulent accounts were opened in my name after these breaches.

4. Violations of Federal Law The credit reporting agencies have failed to comply with : 15 U.S.C. 1681i ( a ) ( 6 ) : Failure to provide the method of verification.

15 U.S.C. 1681c-2 : Failure to block fraudulent information.

15 U.S.C. 1681b ( g ) : Failure to safeguard personal data.

15 U.S.C. 1681s-2 : Failure to ensure accurate data from furnishers.

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 2025-05-29 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:
I recently review a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have received a copy on my consumer reports and I notice you have furnished transactions on my consumer report that are excluded by law as per the FCRA 15 USC 1681a 2Ai.

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 2025-05-29 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: GA

Complaint narrative:
Due to a data breach that exposed my personal information, fraudulent accounts have surfaced on my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXXXXXX 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 2025-05-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Village Capital & Investment LLC
State: IL

Complaint narrative:
I closed on my home on the XX/XX/XXXX with XXXX which then sold the mortgage to village Capital investments LLC less then 30 days later. I have had nothing but problems with village Capital from the start. First they didn't have my correct contact or acct information correct I made several attempts to use their online payment portal to no avail I sent payment by mail it was last I then sent payments via certified mail in the form of cashier checks they were all dated for the XXXX XXXX XXXX XXXX except for the XXXX payment that took three attempts to get to them. As I am a XXXX veteran I do not pay property taxes and I pay my own homeowners insurance all of which I sent to village Capital I know they received it as the XXXX check was stapled to the documents. Village Capital has continued to report I am late with payments or missing but XXXX XXXX has confirmed all checks have been cashed. I have received letters stating I'm in default of my loan the last payment that was sent off on the XX/XX/XXXX was returned unaccepted I took it and the default letter to my state Rep and opened it in front of her and showed her all of my cashier 's checks and certified mail records to prove I have been on time every month with payments. Village Capital are nothing more then opportunistic grifters attempting to defraud honest people and XXXX veterans

Company response to consumer: Closed with explanation