vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-11 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: DC

Complaint narrative:
Subject : XXXX XXXX is Reporting a Debt It No Longer Owns FCRA & XXXX Violations On XX/XX/year>, I discovered that XXXX XXXX XXXX is continuing to report a tradeline for a vehicle loan on my credit report, despite the fact that the loan has been securitized and transferred, meaning XXXX no longer legally owns the debt. 

Key Facts & Timeline : Loan Securitization & Transfer : My vehicle loan was securitized into an asset-backed security ( ABS ) and transferred to an investment trust. 
Exhibit B XXXX  SEC Filings & Trust Agreement confirms that XXXX sold off the financial rights to this debt, meaning they no longer have ownership or collection rights. 
False & Misleading Credit Reporting : Despite no longer owning the loan, XXXX continues to report this debt to credit bureaus as if they are still the creditor. 
This is a violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), which prohibits furnishing inaccurate information. 
XXXX XXXX XXXX XXXX XXXX XXXX : I previously filed a CFPB complaint ( Case XXXX and XXXX ), but XXXX responded with misleading and factually XXXX claims. 
They falsely stated that they are required to continue reporting under FCRA, when in reality, FCRA only requires accurate reporting, and XXXX reporting is knowingly false since they no longer own the debt. 
They refused to provide documentation proving they still own the loan, while Exhibit B and D confirm that ownership has been transferred. 
XXXX  Threats & Attempts to Suppress My Dispute : XXXX threatened legal action if I continued to dispute the account, which is an intimidation tactic meant to obstruct my consumer rights under FCRA. 
Their refusal to correct the reporting is a willful violation of federal consumer protection laws.

Requested Action from CFPB : 1.Immediately investigate XXXX XXXX for XXXX credit reporting & deceptive financial practices. 
XXXX XXXX to remove their tradeline from my credit report since they no longer own the debt. 
XXXX XXXX to XXXX a full financial reconciliation of all securitization transactions related to my account. 
XXXX XXXX  fraudulent response to the SEC, FTC, and OCC for multi-agency enforcement.

I have attached Exhibits B, C, D, and E as supporting evidence that XXXX no longer owns the debt and is knowingly misrepresenting its reporting obligations. 

Sincerely, XXXX XXXX Attachments : Exhibit B SEC Filings & Trust Agreement ( Proving Transfer of Ownership ) Exhibit C Fraudulent Credit Reporting & Unjust Enrichment Exhibit D Securitization Fraud & Financial Misrepresentation Exhibit XXXX Regulatory Violations by XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: DC

Complaint narrative:
Subject : XXXX XXXX is Reporting a Debt It No Longer Owns FCRA & Securities Violations On XX/XX/year>, I discovered that XXXX XXXX XXXX is continuing to report a tradeline for a vehicle loan on my credit report, despite the fact that the loan has been securitized and transferred, meaning XXXX no longer legally owns the debt. 

Key Facts & Timeline : Loan Securitization & Transfer : My vehicle loan was securitized into an asset-backed security ( ABS ) and transferred to an investment trust. 
Exhibit B XXXX  SEC Filings & Trust Agreement confirms that XXXX sold off the financial rights to this debt, meaning they no longer have ownership or collection rights. 
False & Misleading Credit Reporting : Despite no longer owning the loan, XXXX continues to report this debt to credit bureaus as if they are still the creditor. 
This is a violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), which prohibits furnishing inaccurate information. 
XXXX XXXX XXXX XXXX XXXX XXXX : I previously filed a CFPB complaint ( Case XXXX and XXXX ), but XXXX responded with misleading and factually XXXX claims. 
They falsely stated that they are required to continue reporting under FCRA, when in reality, FCRA only requires accurate reporting, and XXXX reporting is knowingly false since they no longer own the debt. 
They refused to provide documentation proving they still own the loan, while Exhibit B and D confirm that ownership has been transferred. 
XXXX  Threats & Attempts to Suppress My Dispute : XXXX threatened legal action if I continued to dispute the account, which is an intimidation tactic meant to obstruct my consumer rights under FCRA. 
Their refusal to correct the reporting is a willful violation of federal consumer protection laws. 
Requested Action from CFPB : 1.Immediately investigate XXXX XXXX for XXXX credit reporting & deceptive financial practices. 
XXXX XXXX to remove their tradeline from my credit report since they no longer own the debt. 
XXXX XXXX to XXXX a full financial reconciliation of all securitization transactions related to my account. 
XXXX XXXX  fraudulent response to the SEC, FTC, and OCC for multi-agency enforcement.

I have attached Exhibits B, C, D, and E as supporting evidence that XXXX no longer owns the debt and is knowingly misrepresenting its reporting obligations. 

Sincerely, XXXX XXXX Attachments : Exhibit B SEC Filings & Trust Agreement ( Proving Transfer of Ownership ) Exhibit C Fraudulent Credit Reporting & Unjust Enrichment Exhibit D Securitization Fraud & Financial Misrepresentation Exhibit XXXX Regulatory Violations by 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 explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My Experian credit report contains inaccuracies that should have never been reported, and I find this completely unacceptable. These errors raise serious concerns about the reliability of your reporting process. The presence of such incorrect information is negatively impacting my financial stability, and I will not stand by while these mistakes go unaddressed. 

As a consumer, I have a legal right to a credit report free from false or unverifiable data. The FCRA mandates that all reported information be accurate, and any errors must be corrected immediately. I demand a full investigation and immediate corrective action. Any delay in resolving these issues will not be tolerated. 

Previous Address ( es ) : 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 explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
Carrington Mortgage falsely reported late payments while under a XXXX XXXX. Late payments were reported to the credit bureaus on XX/XX/XXXX while the XXXX was still in effect. Furthermore a forbearance was to start XX/XX/XXXX. 
Carrington mortgage admitted on a recorded line that they were misinformed about the XXXX from the VA and still refuse to remove the inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: TX

Complaint narrative:
I am writing to formally request assistance regarding a critical issue with my Mohela student loan account. I have been unable to access my account because Mohela has failed to locate my phone number and Social Security number, despite having this information previously on file.

As a result, I am currently unable to make payments or manage my student loan account, even though I have been trying to for months. I have already taken the following steps to resolve this issue : -Attempted to contact Mohela customer service multiple times, including waiting on hold for over 4 hours without resolution, MULTIPLE times.

-Provided my personal information multiple times to verify my identity, yet Mohela continues to claim they can not locate my account. 
-Attempted to reset my login credentials, but I am unable to receive authentication codes due to Mohelas inability to verify my contact information.

This situation is unacceptable, as failure to make timely payments due to Mohelas system errors could result in unnecessary penalties, credit damage, or loan delinquency. I am requesting an immediate resolution, including : -Restoring access to my Mohela account so I can make payments and manage my loans.

-Verification of my personal information to ensure my records are correct. 
-Confirmation that my account is not negatively impacted by this situation, including any late fees, credit reporting issues, or disruptions in repayment plans. 

Please advise on how this issue can be escalated for a swift resolution. If I do not receive a timely response, I will be forced to escalate this matter to the Department of Education and other relevant authorities. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: NY

Complaint narrative:
This CFPB Complaint has been filed to Request, persuadant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) that the EQUIFAX & TRANSUNION Credit Reporting Agency , within 5 business days of you receiving this complaint to block and removed the information appearing on my Consumer Credit Report that is the result of identity theft and fraud. the actions I have taken have been to request that these Fraudulent accounts be removed from my Consumer Credit Report within 5 business days.

This fraudulent, inaccurate, and false information consists of 5 ACCOUNT, the aforementioned : Auto loan account open at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX amounting in {$1900.00} A personal credit card opened at XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, amounting in {$10000.00} A personal credit card opened aXXXX XXXX XXXX XXXX XXXX XXXX XXXX amounting in {$3400.00} A personal credit card opened at XXXX XXXX XXXX, XXXX on XXXX, XXXX, XXXX amounting in {$13000.00} A personal loan opened at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX amounting in {$25000.00} These accounts have resulted in several fraudulent collections appearing on my EQUIFAX AND TRANSUNION Consumer FICO Credit Report.

I do not recognize the aforementioned accounts, or collections as reported. The aforementioned accounts, collections, appearing on my Consumer Credit Report maintained by you were not open, made, or initiated by me.

All of the aforementioned accounts, collections, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: CO

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: OH

Complaint narrative:
I contacted nelnet to find out about my loans..what i owe.. and interest rates and so on. Nelnet said very good question. They returned one year of my loans. I have consolidated 3 or 4 times. Im currently at 7 percent interest and this loan continues to grow. I wanted to know about these loans..how they were transferred .. how payments were applied but nelnet said they only have what the clearing house reports. If they can not pull this information how will I know I'm not being cheated? I only borrowed XXXX and my loan is doubling with XXXX a month in interest and my payment is XXXX. This loan will never ever be paid. But everyone at nelnet can not provide any other information. If the clearing house reports donr give this information then how can I figure what is going on? As this balance goes up..the higher my payments are. I dont even make this kind of money. This is higher than my home interest at XXXX percent. 
I need help with this because no one has information on my loans but they just tell me that's what I owe. How do I know if all should be substadized or not? 
If this loan wants payments I need to know more about it other than good question. The pay history i received made no sense to me. I think something is not right on this and I can't find anyone to help me! Why? Isn't it the responsibility of the finance companies to get this from XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
To Whom It May Concern, I am filing this complaint against TD Auto Finance for inaccurately reporting a 60-day late payment on XX/XX/year>, despite my account showing a {$0.00} balance at the time. This reporting is misleading and a violation of the Fair Credit Reporting Act ( FCRA ). 

Details of the Issue : TD Auto Finance reported a 60-day past-due payment in XX/XX/year>, even though my account had a {$0.00} balance at the time. 
This derogatory mark is harming my credit, and it does not reflect an accurate payment history. 
A {$0.00} balance should not be reported as past due, as there was no outstanding amount to be paid. 

Violation of the FCRA : Under the Fair Credit Reporting Act ( FCRA ), furnishers must report accurate information. The following provisions apply : FCRA Section 623 ( a ) ( 1 ) ( A ) Furnishers must not report inaccurate information.

FCRA Section 623 ( a ) ( 2 ) If an inaccuracy is discovered, the furnisher must correct or delete the information.

FCRA Section 605 ( a ) Credit reporting agencies must maintain accurate records and ensure negative items are not misreported. 

Since my account had a {$0.00} balance in XX/XX/year>, it was impossible for it to be 60 days past due. This reporting is factually incorrect and needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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 filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating that the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPB 's recent administrative proceeding.I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: VA

Complaint narrative:
I am writing to report an identity theft issue and discrepancies on my credit report. I have recently discovered that my personal information has been compromised, leading to fraudulent activities on my credit accounts. I have taken steps to address these issues, including contacting the credit bureaus to dispute these inaccuracies and placing a fraud alert on my file. I seek your assistance in further investigating and resolving these matters. Please advise on the next steps to rectify. 

XXXX XXXX XXXX - XXXX - {$7200.00} XXXX XXXX XXXX - XXXX - {$730.00}

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 2025-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/year>, My account to the process of closing which takes 30-60 days. I waited 30 day which was XX/XX/year> to call in to the bank. I spoke to a representative regarding the funds that i had on my account that was closing. They rest assured me i would receive my funds i would have to either go in to the branch and take the money out or wait for a closing check with a tracking number. After getting off the phone with the bank i went to the branch to pull the money out and they told me my balance is {$0.00}. My balance should be at {$910.00}. The bank teller told me the money was pulled because they are sending out the closing check. Now Monday XX/XX/XXXX, i called the bank back and asked for a tracking number for the close out check. The representative said they will not be sending out a check because the funds i had on the closed account is now on hold. How could that be when i just spoke to someone saying that i will receive my close out check? Now when i call i get the run around. I need my funds As soon as possible i have rent to pay.

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 monetary relief
Consumer complaint received 2025-03-11 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: MI

Complaint narrative:
I am filing a complaint because I have submitted dispute and Equifax has failed to properly investigate disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax has consistently responded in 24 hours stating the information was accurate when it is indeed incorrect and did not give any evidence of the accuracy. This practice violates the Fair Reporting Act, 15 U.S.C. which mandates a reasonable investigation of disputes. Accounts such as the XXXXXXXX XXXX XXXXXXXX XXXX and XXXX XXXX are all inaccurate reporting and I want them removed from my reports. I fully expect the CFPB to take action to ensure that Equifax complies federal law and provides consumers with necessary proof of investigation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: OK

Complaint narrative:
When I checked my credit report this morning, I was alarmed to find inaccurate accounts listed, and I have no idea why. Since I review my report regularly, these discrepancies were unexpected. I even attempted to refresh my browser, thinking it could be a minor issue, but the errors remained. Therefore, I request a detailed review of the documents Ive sent to resolve this matter permanently.

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 2025-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synovus Bank
State: MD

Complaint narrative:
I am writing to formally request the immediate deletion of an inaccurately reported account from my credit file. The account in question, ( XXXX XXXX ) XXXX, XXXX the partial account number # XXXX, was sold under XXXX XXXX XXXX in XX/XX/XXXX XXXX 

Per my agreement with XXXX XXXX XXXX, I have fulfilled the payment terms under the Pay-for-Deletion arrangement with XXXX XXXX XXXX. As per the Paid-in-Full letter dated XX/XX/XXXX, from XXXX, they have confirmed that they submitted a request for deletion of the tradeline from the credit reporting agencies within 30 days. However, it appears that the tradeline still remains inaccurately reported under your institutions name. 

This continued reporting of an account that was agreed to be removed constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), including but not limited to : FCRA 623 ( a ) ( 1 ) ( 15 U.S.C. 1681s-2 ( a ) ) Furnishers of information are required to ensure accurate reporting. Reporting an account that has been settled per an agreement for deletion is a misrepresentation of the accounts current status.

FCRA 605 ( 15 U.S.C. 1681c ) Prohibits the inclusion of obsolete or incorrect information on consumer credit reports.

FDCPA 807 ( 8 ) ( 15 U.S.C. 1692e ( 8 ) ) It is unlawful for a debt collector to communicate false information to third parties, including credit reporting agencies.

FCRA 611 ( 15 U.S.C. 1681i ) Requires reinvestigation and correction or deletion of disputed inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: OK

Complaint narrative:
This morning, I discovered incorrect accounts on my credit report, and I have no clue how they got there. I routinely check my report, but this time, I noticed unexpected discrepancies. I even refreshed my browser, thinking it might be a technical glitch, but the errors remained. Given this issue, I am requesting a thorough review of the documents Ive provided to ensure I never have to deal with this concern again.

Company response to consumer: Closed with explanation