vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-03-14 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: NY

Complaint narrative:
Remove breach accounts from file. I am trying to buy a new house...

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 2025-03-14 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: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: GA

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of a late payment on my credit report regarding my XXXX account, dated XXXX, XXXX. Upon reviewing my credit report, I noticed that this account reflects a late payment, which is incorrect. I paid on time, and the reported late payment does not accurately reflect my payment history. 

As per the Fair Credit Reporting Act ( FCRA ), specifically Section 1681s-2 ( a ), any entity reporting information to consumer reporting agencies must ensure that the information provided is accurate. It is unlawful to report inaccurate information if the furnisher ( in this case, Discover ) knows or has reasonable cause to believe that the information is incorrect. I have substantial doubts regarding the accuracy of this reported late payment, and I believe that Discover had knowledge of the error or should have known that this information was inaccurate.

I respectfully demand that this payment be immediately updated to reflect Paid on Time status, as the reported late payment is erroneous. The reporting of this inaccurate information negatively impacts my credit score and violates my consumer rights under the FCRA. 

I have attached a copy of my credit report showing this inaccurate late payment and request that TransUnion update my account to reflect the correct information. Please update this account to Paid, Never Late and ensure that the inaccurate data is removed from my credit file.

Thank you for your prompt attention to this matter. I expect this issue to be resolved within the 30-day timeframe required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: Regional Management Corporation
State: NC

Complaint narrative:
Requesting a 1099c form for charged off/written off account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I did not give these people permission to check my credit score these inquiries need to be removed fraud XXXX XXXX Inquiry from XX/XX/XXXX miscellaneous XXXX XXXX XXXX miscellaneous Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX miscellaneous XXXX XXXX miscellaneous Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX miscellaneous Inquiry from XX/XX/XXXX XXXX XXXX XXXX miscellaneous Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX miscellaneous XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX miscellaneous Inquiry from XX/XX/XXXXXXXX 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 2025-03-14 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: LA

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 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 2025-03-14 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX XXXXccount number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX XXXX XXXXXX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-03-14 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX XXXXccount number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX XXXX XXXXXX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: NV

Complaint narrative:
Nelnet is predatory. Their communication is terrible. They didn't tell me I was delinquent, which my credit score dropped 150 points. Their emails go to spam and they fail to send out actual mail. I have tried to contact them with my life 's situation and they want a ridiculous amount to be paid every month on 13 loans, kind of hard to do being a stay-at-home, homeschooling Mom. They are a terrible student loan company. My loans were originally from Great Lakes, which they were a great loan company that actually helped me. Nelnet is such a downgrade.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: MOHELA
State: MN

Complaint narrative:
My private information has not been secured and has been accessed by XXXX XXXX and the DOGE agency. 

The Trump administration has argued that DOGE is not an official government agency or instrument for purposes of the Privacy Act or the Administrative Procedure Act, but is an agency under the law that permits interagency detail agreements known as the Economy Act of 1932.

I did not agree to or permit parties related to this agency to have access to my personal/ private information through the Department of Education or any other agency or company. My information has been comprised and I am requesting the verification of these student loans related to any and all federal loans for my account/ name/social security number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Inquiries : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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: MI

Complaint narrative:
I kindly request that you update and validate the items I previously mentioned, as they are still incorrectly reported on my account. I have already provided all the necessary details for this Matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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:
Experian has acted illegally by posting unverified information, sharing unauthorized information and locked my access to challenge or dispute this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX  XXXX Balance : {$370.00}

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 2025-03-14 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: LA

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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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: ND

Complaint narrative:
Complaint Regarding Inaccurate Personal Information on Credit Report Dear Sir/Madam, I am submitting a complaint regarding the personal information listed on my credit report, which has not been properly corrected despite my dispute with Experian. While my name was updated, Experian still lists incorrect variations of my name and addresses that I never authorized. 
Details of the Complaint : Inaccurate Name : The name XXXX XXXX XXXX and XXXX XXXX are listed under " Also Known As '' on my report, which are incorrect. My legal name is XXXX XXXX XXXX, and no other variations should appear. 

Incorrect Addresses : The report lists three addresses, including XXXX XXXX XXXX, XXXX XXXX, ND, and XXXX XXXX XXXX XXXX, XXXX XXXX, ND, which are inaccurate and should be removed. My only valid address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, ND.

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 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, california XXXX Last four of XXXX : XXXX Inaccuracy in Collection Reporting and FCRA Violation Issue Description : On XX/XX/year>, I submitted formal disputes to Equifax, Experian, and TransUnion regarding two collection accounts that were inaccurately reported on my credit history : XXXX # XXXX XXXX # XXXX Status : Reported as Collection / Charge-Off These accounts contain discrepancies in the opening dates and other details among the credit bureaus, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ), requiring maximum accuracy in credit reporting.

Additionally, I never authorized these accounts to be reported, which violates my privacy rights under 15 U.S.C. 1681b.

Specific FCRA Violations : 1. 15 U.S.C. 1681e ( b ) Failure to ensure accuracy in credit reports. 2. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Lack o
f a reasonable investigation, as the inaccurate information remains.

3. 15 U.S.C. 1681b Unauthorized reporting of these accounts on my credit history.

4. 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) If the information can not be verified, it must be deleted immediately.

Despite my previous dispute, the credit bureaus have not removed or corrected these accounts, negatively impacting my credit score and financial opportunities.

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 2025-03-14 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, california XXXX Last four of XXXX : XXXX Inaccuracy in Collection Reporting and FCRA Violation Issue Description : On XX/XX/year>, I submitted formal disputes to Equifax, Experian, and TransUnion regarding two collection accounts that were inaccurately reported on my credit history : XXXX # XXXX XXXX # XXXX Status : Reported as Collection / Charge-Off These accounts contain discrepancies in the opening dates and other details among the credit bureaus, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ), requiring maximum accuracy in credit reporting.

Additionally, I never authorized these accounts to be reported, which violates my privacy rights under 15 U.S.C. 1681b.

Specific FCRA Violations : 1. 15 U.S.C. 1681e ( b ) Failure to ensure accuracy in credit reports. 2. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Lack o
f a reasonable investigation, as the inaccurate information remains.

3. 15 U.S.C. 1681b Unauthorized reporting of these accounts on my credit history.

4. 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) If the information can not be verified, it must be deleted immediately.

Despite my previous dispute, the credit bureaus have not removed or corrected these accounts, negatively impacting my credit score and financial opportunities.

Company response to consumer: Closed with explanation