vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
The issue isn't necessarily with actually paying off the loan. The issue is that the loan company, One Main Financial, is constantly harassing me if I don't make my payments ON my due date, whether I communicate to them when I'll make the payment or not. Initially, my husband was receiving XXXX phone calls a day and I was receiving XXXX phone calls a day every single day. I could answer or call back and let them know that the payment would be made at a certain time, yet the phone calls would continue. My husband threatened to report them for harassment so the XXXX said she would list his number as " do not call. '' After she did that, I started receiving XXXX and XXXX phone calls a day. If I answered saying " hey it'll be roughly around this time '' I would be told that's not a good enough answer and I would hang up on the gentleman who had called. Within another XXXX business days the SAME gentleman was calling my phone XXXX times a day. When this was mentioned to the XXXX, we were told that they were " just doing their jobs '' and that there were new policies in place. I started receiving text messages stating that my car was being held as collateral and if I didn't make my payments, it would be taken, yet I've always made my payments, maybe not always on the due date, but always before the end of the month. I just want the constant barrage of phone calls to stop because honestly at this point, I'm ready to sue them for emotional distress for the constant harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
TransUnion Violated the FCRA ( Fair Credit Reporting Act ) and I have proof!! After communicating this issue with TransUnion about the inaccurate information caused by their negligence. The response I received from TransUnion by mail on XX/XX/year> ( see attached ) shows that they deleted said XXXX accounts/inquiries which is proof that they violated 15 USC 1681s-2 ( a ) Reporting inaccurate information. I then expressed the damages that TransUnion had caused to my credit health by defaming my ability to receive credit, I also including an invoice accessing FCRA violations but Transunion has refused to honor or remedy the situation.

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 2025-03-26 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: VA

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX for what I believe to be a clear violation of my rights under the Equal Credit Opportunity Act ( ECOA ) and the Consumer Credit Protection Act. 

On XX/XX/year>, I received a denial of credit from XXXX XXXX for an XXXX XXXX application. The stated reasons included : Serious delinquency Number of accounts with delinquency Too many accounts with balances Lack of recent revolving account information This denial occurred while I had an open and active CFPB complaint ( ID : XXXX ) regarding inaccurate and unverifiable information on my credit report that was reported by TransUnion, XXXX same bureau XXXX XXXX XXXX XXXX evaluate my application. At the time, I was actively exercising my rights under the Fair Credit Reporting Act ( FCRA ) and Consumer Credit Protection Act, including initiating disputes and filing a formal complaint to correct my credit profile. 

Denying my application while that information was still in dispute and under federal review appears to be retaliatory and procedurally unjust, especially considering that I followed the law in good faith. XXXX explicitly prohibits creditors from discriminating or retaliating against applicants who exercise their legal rights in good faith. XXXX XXXX ' action is not only legally questionableit is harmful. 

The timing of the denial, the reliance on disputed data, and the failure to allow due process to conclude before making a decision raise serious red flags and warrant regulatory intervention.

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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-26 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( XXXX ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-03-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: GA

Complaint narrative:
I am a current graduate student enrolled at the XXXX XXXX XXXX Over the past XXXX months, my loan servicer, MOHELA, has failed to process multiple enrollment verification forms that were sent by my university, resulting in my student loans being incorrectly removed from in-school deferment and placed into default. XXXX records confirm that the enrollment verifications were submitted multiple times from late XXXX through XXXX. 

Due to this error, my credit report now reflects a false default status, which has significantly damaged my XXXX XXXX. I was not notified by MOHELA about the change in loan status, nor was I given any opportunity to address the issue before the default was reported. I have upheld my responsibilities as a borrower and relied on my school to submit the necessary documentation, which they did. 

On XX/XX/XXXX, I contacted MOHELA and waited on hold for over XXXX minutes before finally speaking with a representative. While they acknowledged the issue during the call, they have not taken any corrective action since. My deferment status remains unresolved, the default status has not been removed, and the inaccurate credit reporting has not been corrected. I also have not received any follow-up communication or written correspondence from MOHELA. 

This has caused substantial emotional distress and financial harm. I am requesting the immediate correction of my loan status, removal of the false default from my credit reports, and a formal response from MOHELA regarding their failure to properly service my loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: FL

Complaint narrative:
I have submitted three formal disputes to XXXX, Experian, and XXXX concerning a XXXX  XXXX XXXX account ( Account No. XXXX ). The account contains multiple discrepancies across bureaus, including : Contradictory account status ( Open in XXXX, Closed in Experian and XXXX ), Future reporting dates ( e.g., XX/XX/year> activity ), Inconsistent credit limits and payment histories, Lack of late payments in XXXX, but serious delinquencies in Experian and XXXX. 

I have repeatedly requested verification under FCRA 1681i ( a ) and a detailed explanation under 1681i ( a ) ( 7 ). The bureaus have only responded that the account was verified, without providing any physical documentary evidence, such as the original signed contract as required under FCRA 1681g ( a ) ( 1 ) ( A ) and 1681i ( 5 ).

This failure to reasonably reinvestigate and the continued reporting of inconsistent information constitutes a violation of the FCRA, TILA, GLBA, and UDAAP regulations. The credit bureaus are relying on automated systems like e-OSCAR rather than conducting a meaningful review, in violation of case law such as Cushman v. Trans Union Corp., Hinkle v. Midland Credit Mgmt., and Cortez v. TransUnion.

Their actions have caused me : Emotional distress and anxiety, Higher interest rates on loans, Denials of credit applications, Damage to my financial reputation.

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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I have two-factor authentication set up to access my NelNet account XXXX I tired logging in on XX/XX/year> and noticed the phone number to receive the authentication code is different from my current phone number. I log into my account frequently and have never had issues receiving the code until today. I opted to use my email to verify and upon entering my account and viewing my contact information I see that both phone numbers listed have been updated without my knowledge. This is a breech of my privacy as I did not authorize any changes to my contact information. I also did not receive any notification of the change.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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:
There are multiple inaccuracies on my credit report that must be removed without delay. Some contain incorrect details that do not match my records, others are entirely unfamiliar, and several have been reported without proper verification. These discrepancies violate the FCRA, which requires all information to be 100 % accurate and backed by legitimate documentation. 

To resolve this matter fairly, I demand that all inaccurate items be permanently removed from my credit report. If the reporting entities can not provide legitimate proof confirming their accuracy, they have no legal right to remain on my file. I expect immediate corrective action to restore the integrity of my credit profile.

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 2025-03-26 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: FL

Complaint narrative:
I have submitted three formal disputes to Equifax, XXXX, and XXXX concerning a XXXX  XXXX XXXX account ( Account No. XXXX ). The account contains multiple discrepancies across bureaus, including : Contradictory account status ( Open in Equifax, Closed in XXXX and XXXX ), Future reporting dates ( e.g., XX/XX/year> activity ), Inconsistent credit limits and payment histories, Lack of late payments in Equifax, but serious delinquencies in XXXX and XXXX. 

I have repeatedly requested verification under FCRA 1681i ( a ) and a detailed explanation under 1681i ( a ) ( 7 ). The bureaus have only responded that the account was verified, without providing any physical documentary evidence, such as the original signed contract as required under FCRA 1681g ( a ) ( 1 ) ( A ) and 1681i ( 5 ).

This failure to reasonably reinvestigate and the continued reporting of inconsistent information constitutes a violation of the FCRA, TILA, GLBA, and UDAAP regulations. The credit bureaus are relying on automated systems like e-OSCAR rather than conducting a meaningful review, in violation of case law such as Cushman v. Trans Union Corp., Hinkle v. Midland Credit Mgmt., and Cortez v. TransUnion.

Their actions have caused me : Emotional distress and anxiety, Higher interest rates on loans, Denials of credit applications, Damage to my financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Upon viewing my credit report, I noticed fraudulent accounts on my report. Please remove them as they are hurting my score.

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 2025-03-26 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: IL

Complaint narrative:
I do not recognize addresses. Please remove. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL 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 2025-03-26 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX Re : Request for Removal of All Information from My Credit Report in Accordance with 15 U.S.C. 1681 I am writing to formally request that you remove all information from my credit report, in full compliance with 15 U.S.C. 1681 of the Fair Credit Reporting Act ( FCRA ). Under this statute, you are required to maintain accurate, fair, and up-to-date information, and I believe that all information currently on my credit report is either outdated, inaccurate, or not in compliance with the provisions of the FCRA. 

Specifically, I request that you take the following actions : Remove all credit inquiries, account histories, late payments, defaults, or any other entries that are present on my credit report. 

Ensure that all data on file is removed within XXXX ( XXXX ) days from the receipt of this letter, as I am exercising my rights under 15 U.S.C. 1681 to correct or remove inaccurate or obsolete information promptly. 

Provide me with written confirmation that all such information has been removed from my credit file within this four-day period. 

Please be advised that if you fail to remove the requested information within the legal timeframe outlined by 15 U.S.C. 1681, I will be forced to take further action, which may include filing a complaint with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and/or seeking legal remedies as allowed by law. 

I appreciate your immediate attention to this matter and expect confirmation of the removal of all credit information within the four-day period as outlined above. 

Please contact me at the above address, email, or phone number if you require further details. 

Sincerely, 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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: FL

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

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 2025-03-26 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of SELF / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 XXXX as proof from the XXXX 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 non-monetary relief
Consumer complaint received 2025-03-26 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: GA

Complaint narrative:
I am extremely concerned about the blatant discrepancies in my credit report regarding my XXXX XXXX account, and I demand immediate action to correct these errors.

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 2025-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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