vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-05 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: FL

Complaint narrative:
I am disputing the reporting of a Bank XXXX XXXX account on my TransUnion credit report ( File # XXXX ) due to multiple violations of the Fair Credit Reporting Act ( FCRA ). The account includes materially inaccurate and incomplete information : The CO ( Charge-Off ) status is reported without the required XX/XX/year> day delinquency progression. 

The Date of First Delinquency ( DOFD ), Date of Last Activity ( XXXX ), Date Closed, and Payment Rating fields are missing. 

The dispute indicator code XB is also not reported. 

These omissions violate 15 U.S.C. 1681e ( b ), 1681i ( a ) ( 5 ) ( A ), 1681s-2 ( b ) ( 1 ) ( C ) - ( D ), and 1681c ( a ) ( 4 ) - ( 5 ). Furthermore, the account is reported inconsistently across the credit bureaus ( TransUnion, Experian, Equifax ), which creates confusion and misrepresents my credit history. 

I submitted a formal dispute to TransUnion with supporting documentation. If they can not verify or correct this information, the account should be deleted according to federal law and case precedent such as XXXX v. XXXX University and XXXX XXXX TransUnion.

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 2025-05-05 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: FL

Complaint narrative:
I disputed the following accounts multiple times, submitted identity theft fraud paperwork as well as a police report showing the accounts are due to identity theft and me being a victim of fraud. XXXX Equifax, and Transunion have not deleted the accounts after months of disputes and submitted paperwork proving I am not responsible for these debts owed. 

XXXX XXXX XXXX : {$87.00} XXXX XXXX : {$340.00} Campus XXXX : {$3300.00} XXXX XXXX : {$490.00} XXXX Card : {$2300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CrossCountry Mortgage LLC
State: OH

Complaint narrative:
My mortgage servicer, CrossCountry is claiming that they have made 5 property tax payments to XXXX XXXX. XXXX XXXX has provided their records showing only 4 received payments. The mortgage servicer has yet to provide proof off all 5 payments made to XXXX XXXX. 

One of the payments was for a delinquent tax payment at closing, which as since been resolved ; however, the mortgage servicer has increased my escrow payment almost {$200.00} per month due to them fronting the extra tax payment that the county never received. Long story short, I am out almost {$2000.00} because the mortgage company is requiring me to reimburse them for a payment that the county says the mortgage company never paid.

I have sent the mortgage servicer a notice of error, which they acknowledged on XX/XX/scrub> 2025. Their response said they would respond by XX/XX/year>2025. They have yet to respond and have already missed a scheduled phone call. Despite the notice of error being sent on XX/XX/year>2025, this issue has actually been open since early XX/XX/scrub> 2025. 

I am attaching the notice of error sent to CrossCountry which fully describes the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: TX

Complaint narrative:
I want to contest the accuracy of the loans a conception. I've also received interest on my loans over the course of the pandemic until now, when none should have been applied during the period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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:
I am filing this complaint against XXXX XXXX XXXX XXXX regarding inaccurate late payment reporting and billing violations on XXXX XXXX XXXXXXXX XXXX XXXX XXXX account ending in XXXX. 

XXXX  has reported late payments on my credit reports ( Experian, Equifax, TransUnion ) for the months of XX/XX/XXXX ( 30 days late ), XX/XX/XXXX ( 30 days late ), XX/XX/XXXX ( 30 days late ), and XX/XX/XXXX ( 60 days late ). I dispute these as inaccurate for the following reasons : I was never provided with proper billing statements as required under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ). 

I was never given an option to opt in or out of electronic statements, nor was I notified when statements were available. 

Without legally required billing notices, I could not have been properly late, making the late payment reporting invalid. 

I have already disputed this inaccurate reporting directly with XXXX XXXX and with the credit bureaus three times. The account is now closed and paid in full with a XXXX balance, yet these derogatory marks remain on my credit profile, causing ongoing harm.

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 2025-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: MI

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate and harmful credit reporting associated with my federal student loan account, previously serviced by Nelnet and recently transferred to XXXX. This situation has caused significant and immediate damage to my credit profile, and I believe it reflects a broader systemic issue affecting many borrowers during the transition out of pandemic-related deferment. 

Here is a detailed account of my experience : My student loans originated 12 years ago and have been in deferment for the past XXXX years. 
I have a track record of making on-time payments during periods when the loans were in active repayment. 
Without clear or sufficient warning, my loans exited deferment, and XXXX missed payments were reported all at once indicating a XXXX delinquency despite receiving no XXXX or XXXX notices. 
I was only made aware of the delinquency after it was reported to the credit bureaus, at which point I acted immediately. 
I made a payment of {$500.00} on XX/XX/2025, bringing my account current. My total balance across all XXXX loan accounts is {$3500.00}. 
The very next day, on XX/XX/2025, my account was transferred from Nelnet to XXXX and placed into forbearance, without explanation, adding to the confusion and instability of servicing. 

I want to clearly state that I acknowledge there is some fault on my part. It is the borrowers responsibility to remain informed and current. However, after such a long period of deferment, the sudden reactivation of the loans without any formal XXXX notice was not an effective or fair practice. Instead of official communication, the only warnings I received were unfamiliar phone calls which I, like many others in this era of widespread scam activity, ignored for security reasons. In todays climate, unrecognized calls are not a reasonable substitute for formal written or electronic notices. 

Since the incident occurred, I have taken responsible steps to address it : I wrote to both Nelnet and XXXX requesting a goodwill credit adjustment. 
I filed a complaint with my XXXX Attorney XXXX office. 
I have disputed the late payments with the major credit bureaus. 

This situation is part of a nationwide pattern, where borrowers who acted in good faith during deferment are now facing disproportionate financial harm due to inadequate communication, mismanagement, and sudden servicing transitions. I am fully capable and committed to maintaining on-time payments, and I am asking that this issue be reviewed with consideration for a credit reporting correction or relief, based on the circumstances and my prompt action. 

Thank you for your attention to this matter. I am happy to provide any documentation or communication history needed. 

Sincerely, XXXX XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: IN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2025-05-05 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/year>2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2025-05-05 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:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: PA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-05-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my 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 explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Alorica Inc.
State: CT

Complaint narrative:
My final loan payment was due on XX/XX/2025 and set on autopay like all my other payments, but it was reversed. The company tried again on XX/XX/XXXX and it reversed again. I contacted the company and my bank, XXXX XXXX XXXXXXXX, confirmed my account info is correct. On XX/XX/2025 around XXXXXXXX XXXX XXXX XXXX XXXXXXXX even got on a 3-way call with me and the company to confirm this. The company keeps saying its the wrong info and is now adding late fees and interest. All previous payments went through with no issues using the same bank info, and I have proof of those payments. Ive been trying to pay, but their system keeps blocking it and causing extra fees. Ive tried multiple times to fix it, but they havent resolved anything. This has also hurt my credit. I noticed many other people online are going through the same thing with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: NJ

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 non-monetary relief
Consumer complaint received 2025-05-05 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'm having issues with how Equifax ( and also XXXX  ) are reporting an old XXXX  XXXX XXXX account. They put that it was " XXXX '' in XX/XX/year> but there's no 30, 60, 90 days late shown before that. Also a bunch of important info is missing like the date it was closed, date of last activity, and payment rating. 

I already sent a dispute with all my documents but they didnt even mark the account as being in dispute no XXXX  code was added, which is required. The info also doesnt match between the XXXX bureaus ( XXXX  says one thing, Equifax another, and XXXX  different again ). 

This is hurting my credit, and I dont understand why they dont just report it right if I already gave them what they asked for. The FCRA says they have to investigate and remove unverifiable or incomplete data, but nothings changed so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX, money was withdrawn from my account in the amount of {$1200.00} without my permission. In XXXX, California on XX/XX/XXXX I was in possession of my ATM card in XXXX, Florida. I have not visited California since XXXX. I do not have family or friends that live there. The bank allowed XXXX transactions that day. They did not notify me until after the fact. I did not receive any alerts. I was informed that my acoount would be credited that amount while they investigated. They mailed me a letter stating that I allowed someone or I used my account. This is not true, I was never contacted as to my side of the story. I contacted the polce and filed a police report. I was told by the police to contact a lawyer.I also went to the bank and was told there was nothing they could do. I submitted another claim and was told it was still my fault and they are going to withdraw the money out of my account on XX/XX/XXXX. I tried to notify the XXXX XXXX Police department and they said the XXXX Police Department needs to handle it. I know that my account information was fraudulently used by someone claiming to be the XXXX thruway. I was sent a text saying I needed to pay XXXX towards my toll. I was in XXXX in XXXX of last year and I have to pay a toll. I believe this is when my information was taken. I tried to explain this to Bank of America.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-05 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 non-monetary relief
Consumer complaint received 2025-05-05 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 2025-05-05 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: Maximus Federal Services, Inc.
State: TN

Complaint narrative:
My personal and financial data was compromised in a data breach violating FERPA. I request full deletion of my student loan debt.

Company response to consumer: Closed with explanation