vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 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: CA

Complaint narrative:
I have filed multiple disputes with Experian regarding two inaccurate collection accounts on my credit file : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$630.00} Each time, Experian responded with XXXX generic result stating the accounts were verified as accurate, without providing any concrete evidence of how they verified these accounts. 

Under the Fair Credit Reporting Act ( FCRA ) 611, Experian is legally obligated to conduct a reasonable investigation and provide the method of verification, including the name and contact information of the party who verified the account. Experian has failed to do this, despite repeated disputes. 

These accounts are seriously damaging my credit, and Experians failure to produce any documentation or proper verification process violates federal law. I believe Experian is simply parroting information from debt collectors without any real investigation or supporting evidence. I have not received any signed agreements, account statements, or proof of ownership for either debt.

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 2025-04-17 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: GA

Complaint narrative:
Dear Sir/Madam : I am writing you because my social security number was used fraudulently to open accounts. I believe I am a victim of identity theft due to the Equifax Data breach. My social security number was found to be comprised. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth. The accounts listed below, which appears on my Equifax credit report, does not relate to any transactions that I have ever made or accounts I have opened. It is the result of identity theft.1. Identity Theft XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: PA

Complaint narrative:
Subject : Dispute of Inaccurate Late Payment Reporting by Nelnet Company : Nelnet Product : Federal Student Loan Servicing Issue : Late Payment Removal I am submitting a formal complaint regarding inaccurate and unfair credit reporting by Nelnet, the current servicer of my federal student loan. 

My loan originated in XXXX and was previously serviced by " Great Lakes ''. I had auto-pay set up and have maintained an excellent payment history since then with only XXXX missed payment back in XXXX across nearly XXXX years of repayment. 

During the XXXX forbearance period, my loan servicing was transferred from Great Lakes to Nelnet. Unfortunately, I was never properly notified of this transition due to outdated contact information on file which Nelnet did not attempt to verify or update. 

As a result, I was unaware that I needed to re-establish auto-pay under Nelnet. Once I realized the issue, I immediately brought the account current after paying {$300.00}. 

I am disputing this reporting on the following grounds : I have had a nearly perfect payment history, with only one missed payment in 8 years clearly demonstrating my intent and ability to pay. 

The recent delinquency was a result of a servicing transfer issue, not negligence. 

Nelnet failed to notify me of critical changes or verify my contact details. 

I brought the account fully current immediately upon learning of the situation. 

This reflects a servicer communication breakdown, not borrower irresponsibility. 

I have attempted to resolve this issue directly with Nelnet, but their response has been insufficient and dismissive of the circumstances. This inaccurate late payment has negatively impacted my credit despite my long-standing history of responsible repayment. 

I respectfully request that the CFPB investigate this matter and assist in having this inaccurate derogatory mark removed from my credit report. 

Thank you for your time and attention. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica
State: MD

Complaint narrative:
XXXX XXXX XXXX # XXXX XXXX On or about XX/XX/XXXX I lost my card and needed a new one. A new one was sent to Me but I couldnt use it. I contacted them on XXXX or XXXX to find out why I cant use my card. They expressed because of identity theft I need to supply my identification. On XXXX XXXX I emailed them my passport, social security card, and my drivers license. Once submitted on or about XX/XX/XXXX they kept telling me I need to submit my Birth certificate and my passport wasnt good enough. Since I have to retrieve my birth certificate in XXXX that took some time. XXXX XXXX I submitted all documents they asked for they emailed me back and said I need front and back of social security card and no expired identification. My Passport doesnt expire until XXXX, my license doesnt expire until XXXX. XXXX and XXXX I emailed them again everything theyre requesting. They emailed back XX/XX/XXXX saying the same thing about expired documents and front and back of social card. I sent back XX/XX/XXXX. Then I called them for them to tell me its not them its their third party verification. Now today XX/XX/XXXX they sent me the same email about sending documents. Which Ive been submitting for the last month. 
They have 2 months worth of my social security and I havent been able to pay my rent. Im on the verge of eviction and Im NOT able to buy food. please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: MA

Complaint narrative:
I submitted formal disputes to Experian regarding several inaccurate and derogatory tradelines appearing on my credit report. Despite providing documentation and disputing these items in good faith, Experian failed to conduct proper reinvestigations or make necessary corrections. 

The information they continue to report includes outdated balances, incorrect account statuses, and derogatory notations that are in direct violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 furnishing standards. These accounts have remained unchanged even after follow-up disputes and inquiries. 

As a result, Ive suffered multiple credit denials, higher interest rates, financial hardship, and ongoing emotional stress. My creditworthiness has been damaged, and Experian has shown no meaningful effort to resolve or correct these violations.

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 2025-04-17 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: IL

Complaint narrative:
Inquiry is not authorized by me. I haven't spoken to this lender at the said date.

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 2025-04-17 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: TX

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX Balance {$8400.00} Open Date XXXX XXXX, XXXX XXXX XXXX XXXX Balance {$1600.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$1200.00} Open Date XX/XX/XXXX XXXX Balance {$770.00} Open Date XX/XX/XXXX XXXX XXXX  Balance {$140.00} Open Date XX/XX/XXXX XXXX  XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX {$0.00} Open Date XX/XX/XXXX Inquiries XXXX  Date XX/XX/XXXX XXXX XXXX  Date XX/XX/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 2025-04-17 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: NC

Complaint narrative:
I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently 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 2025-04-17 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: LA

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 explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: NY

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 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 2025-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 2025-04-17 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: FL

Complaint narrative:
my information was exposed in date breach and fraudulent accounts was open and inaccurate information on my credit report. i have requested that they provide the purchased agreement to show full ownership of such account and also other documents i may review to see if this is actually account belong to me 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 2025-04-17 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: FL

Complaint narrative:
my information was exposed in date breach and fraudulent accounts was open and inaccurate information on my credit report. i have requested that they provide the purchased agreement to show full ownership of such account and also other documents i may review to see if this is actually account belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: CMG Financial Services, Inc.
State: AZ

Complaint narrative:
I submitted a Qualified Written Request ( QWR ) to XXXX XXXX  ( loan serviced through XXXX  ) on XX/XX/year>, regarding Loan # XXXX. I requested documentation including the fully endorsed promissory note, the full assignment chain of title, and confirmation of the current note holder and servicer authority. 

I only received an automated acknowledgment of receipt, but no written response, no timeline, and no follow-up regarding my active loan modification process, which is being delayed because the modification documents still list a removed co-borrower despite my providing a XXXX Deed. 

I am being called for payments, despite this being an active loan mod/loss mitigation issue. I believe this violates the RESPA QWR timeline, the CFPB loss mitigation rules under Regulation X ( 12 C.F.R. 1024.41 ), and may involve dual tracking violations. 

I request that XXXX immediately XXXX. A copy of the fully endorsed promissory note, including all signatures, endorsements, and any allonges ( riders used for additional endorsements if space was insufficient on the original note ). 
2. Chain of title documentation, including : The original note and any assignments All endorsements, transfers, or allonges showing how the note was negotiated to the current holder A copy of the recorded Assignment of Deed of Trust to CMG Mortgage , Inc . 
3. Confirmation of the current investor, including : Whether XXXX XXXX currently owns or guarantees this loan If so, documentation of the date XXXX XXXX acquired the loan and from whom 4. Clarification of the servicer status, including : Why the MERS database shows CMG Mortgage , Inc. as inactive for my MIN number ( XXXX ) Whether CMG Mortgage is currently authorized to service the loan, and under what agreement XXXX. All communications or agreements between XXXX, XXXX, or any third-party subservicers related to the servicing of this loan, including correspondence about the loan modification in progress. 
6. Detailed payment history, from loan origination to present, including : All payments made by the borrower All charges, fees, escrow payments, and suspense balances Please assist me in enforcing my rights and holding the servicer accountable for noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants Adjustment Service, Inc.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to inform you that I am the victim of identity theft. I did not open or authorize any account or transaction with your company, and I am not responsible for this debt. 

I have filed a police report regarding the identity theft and reported it to the Federal Trade Commission. I never signed any documents or agreements related to this account, and any such documentation you may have was not authorized by me. 

Please remove any fraudulent charges and stop all collection activity related to this matter. I am requesting written confirmation that I am not liable for this account. 

Thank you for your attention.

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 2025-04-17 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: TX

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

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 2025-04-17 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: NV

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation