vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: NETWORK FUNDING, L.P.
State: MD

Complaint narrative:
Subject : Predatory Loan Flipping and Misrepresentation by Network Funding, LP ( NMLS XXXX XXXXXXXX ) What happened : I am a veteran borrower whose VA-backed home loan was purchased and refinanced by Network Funding, LP from Veterans United at a higher cost and interest rate without proper disclosure, tangible benefit, or my informed consent. The marketing and advertising to refinance my mortgage was confusing and misleading after I found out my VA loan was converted to a conventional loan.

Shortly after my original VA loan closed, Network Funding acquired and refinanced it, then quickly flipped the loan. The refinance left me worse off financially violating the VAs Net Tangible Benefit rule ( 38 U.S.C. 3709 ) and potentially the Truth in Lending Act ( TILA ) and Real Estate Settlement Procedures Act ( RESPA ). 



I later received an email from Network Fundings Loan Servicing Manager, XXXX XXXX, admitting that the company mainly originates and flips loans quickly. I have since been contacted by the companys general counsel demanding {$61000.00}, an amount inconsistent with my closing disclosures and VA-guaranteed balance.

I believe these actions constitute predatory lending, loan flipping, and unfair debt collection practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: AR

Complaint narrative:
I previously submitted a formal dispute under FCRA 611 ( 15 U.S.C. 1681i ) regarding multiple inaccuracies on my credit report, including the reporting of late-closed accounts and charge-off accounts that are inaccurate, already satisfied, or unverifiable. These include XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$0.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$0.00}, XXXX XXXX XXXX with a balance of {$0.00}, and XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$1.00}. Despite submitting my dispute in accordance with my rights under the Fair Credit Reporting Act, I have not received the results of a reinvestigation, nor has the inaccurate information been corrected or removed. The continued reporting of these accounts without proper verification constitutes a violation of the FCRA 's accuracy and reinvestigation requirements.

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 2025-11-14 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: NC

Complaint narrative:
I am submitting this follow-up regarding a prior dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$7300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$21000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3900.00} Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies and furnishers are required to ensure maximum possible accuracy and to promptly correct or delete unverifiable or inaccurate information. The continued reporting of these items is a violation of my rights under federal law, and the presence of this untruthful information continues to negatively affect my credit standing.

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 2025-11-14 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: AR

Complaint narrative:
I am submitting as a consumer who has carefully reviewed my credit report from and identified a potentially inaccurate or misleading entry that requires immediate attention. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically 1681i, I am formally disputing the accuracy of the following account and requesting a reinvestigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: MI

Complaint narrative:
My identity was used without my authorization to apply for and obtain student loans. I did not submit, authorize, or benefit from these applications or funds. I did not give permission for anyone to use my personal information for this purpose. 

I first became aware of the issue when I noticed student loan accounts and balances that I did not recognize. I contacted the loan servicer ( s ) to dispute the accounts and was informed that the applications had been processed using my identity. These loans were created without my consent, and I did not receive any of the associated funds.

I did not authorize these loans at any stage, and I have not entered into any agreement related to them. Because they were created as a result of identity theft, the debt is not legally mine. 

I am requesting that these fraudulent accounts be fully investigated, removed from my credit, and treated as identity-theft-related debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: AR

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
XXXX & FINAL NOTICE DEMAND FOR IMMEDIATE DELETION New FCRA Violation Due to Continued Reporting After Dispute * * To : Chase Card Services XXXX XXXX XXXX XXXX, DE XXXX RE : New FCRA Violation Chase Continued Reporting After Receiving My Dispute ( Illegal Under FCRA XXXX ) Account Reference Number : XXXX To Whom It XXXX Concern : This is my second and final notice regarding the inaccurate reporting for the JPMCB/Chase credit card account ending in XXXX. 

On XX/XX/year>, Chase mailed me a letter confirming that you received my dispute, but stated you needed more information. 

Despite this, attached screenshots show that Chase updated the same disputed account on : XX/XX/year> AFTER your dispute letter was mailed to me This is a direct violation of : FCRA XXXX ( a ) ( XXXX ) ( A ) which prohibits furnishers from reporting or modifying information they knowor have reason to knowis inaccurate after a consumer dispute has been submitted. 

You acknowledged my dispute on XX/XX/year>. 
Yet you continued to report : A derogatory status A {$2600.00} balance on a closed/charged-off account New 2025 late payment symbols Post-closure delinquencies ( impossible ) Ongoing derogatory updates Updating a closed account as if it is newly delinquent in 2025 is factually impossible, materially misleading, and expressly illegal under FCRA 623 ( a ) & 607 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: VA

Complaint narrative:
I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: NC

Complaint narrative:
I am submitting to formally dispute inaccurate information appearing on my credit report. I request a thorough investigation and correction of the following items in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 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 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 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 Under FCRA 623 ( a ) ( 5 ), furnishers have an obligation to report accurate Date of First Delinquency ( DOFD ). Reporting inaccurate collections can cause undue harm to my credit profile and affect my ability to secure loans, housing, and other financial opportunities. Any inquiries related to these accounts or addresses must meet the standard of permissible purpose as defined in FCRA 604 ( a ) ( 3 ). I request verification that all inquiries on my file were properly authorized. Any inquiry that can not be verified must be removed immediately. These inaccuracies are not merely clerical errors they have real consequences on my financial life. I have been diligent in managing my accounts responsibly, yet these erroneous listings misrepresent my credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: NC

Complaint narrative:
I am submitting to formally dispute inaccurate information appearing on my credit report. I request a thorough investigation and correction of the following items in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 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 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 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 Under FCRA 623 ( a ) ( 5 ), furnishers have an obligation to report accurate Date of First Delinquency ( DOFD ). Reporting inaccurate collections can cause undue harm to my credit profile and affect my ability to secure loans, housing, and other financial opportunities. Any inquiries related to these accounts or addresses must meet the standard of permissible purpose as defined in FCRA 604 ( a ) ( 3 ). I request verification that all inquiries on my file were properly authorized. Any inquiry that can not be verified must be removed immediately. These inaccuracies are not merely clerical errors they have real consequences on my financial life. I have been diligent in managing my accounts responsibly, yet these erroneous listings misrepresent my credit history.

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 2025-11-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Climb Credit Inc.
State: CO

Complaint narrative:
I am filing a follow-up complaint because my previous case remains unresolved. 
Climb Credit continues directing me to contact Devslopes even though XXXX has publicly confirmed that they have ceased operations, the XXXX email is inactive, and no staff are available to process refunds or provide documentation. 

Climbs response is misleading because they insist the school must confirm my refund, yet they know XXXX is closed, unreachable, and not operating in any capacity. It is impossible for me to obtain confirmation from a school that no longer exists. 

XXXX own announcement states : - The company has ceased operations as a business. 
- Only archived self-study materials remain online. 
- Support channels, including the XXXX email, are no longer active. 

Because the school is closed, I could not complete my program or receive a certificate. 
Under the FTC Holder Rule, when a school closes and can not deliver services, the lender must assume responsibility because the borrower has no way to resolve the dispute with the defunct school. 

I request that this complaint be reviewed again since Climbs previous answer did not address the fact that XXXX is non-operational and can not issue refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am filing this complaint against TransUnion, Equifax, and Experian for failing to properly process my dispute and reinvestigation request under the Fair Credit Reporting Act ( FCRA ). 

Over a month ago, I mailed a dispute letter requesting the correction and removal of inaccurate information from my credit reports. Instead of conducting the required reinvestigation, all three credit bureaus sent me a notice claiming that the identification I provided was insufficient to verify my identity and address. 

The documents I submitted met their published identification requirements, and their refusal to accept them has improperly delayed my dispute and violated my rights under the FCRA. I sent the correct and required identification, and the bureaus failed to review it properly. 

I have since resent the documents, along with the original dispute letter, and I am requesting that the CFPB intervene to ensure that the bureaus comply with federal law.

Under the FCRA, they are required to : Conduct a reinvestigation within 30 days ( 15 U.S.C. 1681i ).

Review all information submitted by the consumer.

Provide a description of the procedures used to determine the accuracy and completeness of the disputed information within 15 days after the reinvestigation ( 15 U.S.C. 1681i ( a ) ( 7 ) ).

The credit bureaus failed to meet these obligations and have delayed my dispute without lawful justification. This has caused unnecessary harm and prevented me from exercising my rights.

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 2025-11-14 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: TN

Complaint narrative:
From XXXX through XXXX, multiple accounts across all credit reporting agencies have been inaccurately, misleadingly, or unverifiably reported. Despite my repeated disputes, Experian, Equifax, and TransUnion failed to conduct proper reinvestigations as required under FCRA 611. 

Accounts were marked verified without any actual documentation from the original creditors or furnishers. Reports include, but are not limited to : alleged past-due balances, repossessions, duplicate tradelines, and conflicting account information. This negligence and failure to investigate has caused : Denial of credit Higher interest rates Emotional distress and anxiety Financial harm and loss of 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 2025-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing this complaint regarding Bank of Americas handling of claim number XXXX. 

Bank of America issued temporary credits for disputed transactions totaling {$750.00} and {$500.00}, but removed the credits without providing : A clear explanation for denial The investigation notes The reason code The evidence used Any request for additional information from me I was never contacted during the investigation, and the claim decision letter contains no specific justification. I am requesting Bank of America to provide a full explanation, documentation, and a supervisor-level reinvestigation, as required by Regulation E. 

The removal of these credits has caused financial harm, and I believe the claim was closed prematurely without a complete investigation. 

I am requesting that Bank of America reopen and properly investigate this claim.

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