vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I requested documentation from original owner of debt not from a collector

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: IN

Complaint narrative:
In XXXX of XXXX I applied for a forbearance on my account. It was approved. In XXXX of XXXX all three of my credit reports dropped significantly, they stated that my student loans were late 90 days, I contacted aid advantage, they let me know that I was approved, however two loans were not included for some reason, they fixed it on the phone for me and my acct was not current. I then disputed this with all 3 credit bureaus and they updated my credit information. Fast forward to today, my credit was again reported as 90 days late, dropping XXXX points while I am in the process of trying to refinance my home. I called aid advantage and was told, I need to submit to them evidence of the credit agencies correcting my reports? I did not understand this. I asked them, is my account 90 days late? They stated no, it shows XXXX due and in forbearance. I then asked why are you reporting it 90 days late then, she said she had no idea why. I asked then why are you not able to help me update this with the credit agencies, she stated until I submit evidence to them that they fixed my credit with original error, they would not help me. I then got off the phone and submitted an email asking for help with this issue, I received this response : Step 1 : Provide a detailed, written explanation for the basis of the dispute, including your : Name Address and phone number Account number or SSN Step 2 : Provide documentation to support your dispute, including : A copy of the relevant sections of your credit report highlighting disputed reporting Cancelled checks or bank statements reflecting loan payments you believe were not applied to your account School enrollment information related to the loans involved in the reporting An identity theft report and supporting information if you believe your loan is the result of identity theft. This requires filing a report with your local or state police department or other law enforcement agency Any other information you believe is pertinent to your claim Step 3 : Mail this information to the address below. U.S. Department of Education Loans Aidvantage - Official Servicer of Federal Student Aid Attn : C
redit Bureau Management XXXX XXXX XXXX XXXXXXXX, TX XXXX They will do nothing to help me to fix my credit report showing that my account is in fact current. This is 2 times now my credit has erroneously been reported as 90 days late, its effecting my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
The issue is that the company did not pay my taxes on time from my escrow account. They withdrew the amount, but the treasurer has not received it. We started communicating on XX/XX/XXXX, and now our home will be put into a tax sale. The mortgage company can not tell me the check number or the address to which they sent the certified check. They keep deflecting that it is being researched, and we have received no uninitiated responses since XX/XX/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 2025-04-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
This began XX/XX/XXXX of this year. I was injured in XXXX and tried to access my XXXX account a few weeks later to pay my medical expenses. I can not access anything because they advised they were concerned with fraudulent activity associated with my account. When I explained I had found an old check in my mail from a disbursement from last year and called them before I did anything with it to verify if it was a good check. I gave the representative the check number and she verified it was valid and I was able to deposit it, those funds had never been withdrawn from my account. That was not correct information, so they flag my account. In XXXX I call to find out what's happening with my account. I literally repeat my information to verify who I am to the rep XXXX or XXXX times, I finally got frustrated because I had to spell XXXX each time. I asked for a supervisor ( XXXX ) we start the same game. I finally said I am not doing this anymore I have given all information multiple times. XXXX finally hangs up on me. I start receiving emails saying there are electronic letters attached to my account which remember, I can not access. I call again this rep says my account is still frozen, this is now XXXX. I jump through all of the hoops again, account still frozen. I send an email to XXXX XXXX ( XXXX ) on XX/XX/XXXX I don't even go into the details because they say all calls are recorded and documented so I just ask for him to listen to the calls and if this is acceptable customer service? No response from XXXX, now I understand why the call center is the way it is. 
So, today XX/XX/year> I call again, account still frozen. XXXX says the XXXX form was never processed by the fraud department. 
I have tried to escalate this situation and supervisors won't take the call and nobody there seems to know who their XXXX leadership is or an email address, phone number, or mailing address. 
So you can't contact anyone in corporate and I just wonder if XXXX XXXX or XXXX XXXX would be OK with the same level of treatment I have received. Because you know at this point I am completely frustrated and no, not the nicest tone in my voice but XXXX guy said I should show him respect ... I know, I'm still laughing about that XXXX too. 
I would like to be able to use my account for what it is designed for and funny enough, they still accept my biweekly direct deposit from my paycheck. My money is being held XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: MA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-04-16 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: NV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. 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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC
State: TX

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), negative information, including collections, may only be reported on a consumer credit report for 7 years from the date of first delinquency. According to my records, this account became delinquent more than XXXX years ago, and therefore, it is both time-barred and should no longer appear on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: OneMain Finance Corporation
State: IN

Complaint narrative:
Im submitting this complaint because a closed, charged-off account from XXXX XXXX is being inaccurately reported on my credit report. The account was charged off on XX/XX/year>, and there has been no payment activity since then. However, the creditor has continued to report monthly late payments from XXXX  until now even though the account has long been closed and charged off. 

This is a violation of the Fair Credit Reporting Act ( FCRA ). Once an account is charged off, creditors are not permitted to continue updating it with new late payments unless the debt has been re-aged or legitimately reactivated, which did not occur in this case. These ongoing late payment notations are misleading and damaging to my credit report, as they make the debt appear more recent and active than it truly is.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCB Management Services Inc.
State: IL

Complaint narrative:
I am disputing a collection account that NCB Management Services recently added then deleted then added again to my Experian credit report. 

When I contacted NCB Management to request information and validation of the debt, they refused to provide any details. Instead, they redirected me to a third-party entity called XXXX, claiming that this outsourced party is responsible for handling account information. When I contacted XXXX they sent me to voicemail. 

I find this highly concerning and possibly non-compliant. NCB is the company reporting the debt to Experian, and therefore they are legally responsible under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) to validate the debt, provide documentation, and ensure the accuracy of their reporting. 

By refusing to provide any information directly and pushing me to another entity, NCB is avoiding their legal responsibilities and obstructing my right to dispute and validate the account. 

I request that the CFPB investigate this matter and hold NCB accountable for improper reporting, lack of transparency, and failure to comply with federal credit and debt collection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: NJ

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 2025-04-16 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: CA

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

TRANSUNION XXXX XXXX * * * * * * * * * * XXXX XXXX XXXX * * * * * * * XXXXXXXX XXXX XXXXXXXX * * * * * * * * * XXXX XXXX  XXXX * * * * * * * * * * XXXX XXXX XX/XX/XXXX has violated my rights. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX * XXXX XXXX * * * * * * * * * * * * * * XXXX XXXX XXXX XXXX * * * * * * * * * XXXX XXXXXX/XX/XXXX has violated my rights. 

XXXX XXXXXXXX XXXX XXXX * * XXXX XXXX XXXX XXXX * * * * * * * * * XXXX XXXX XXXXXXXX * * * * * * * * * * XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, 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 2025-04-16 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Home Depot keeps sending monthly statements charging late fees. We closed our account with Home Depot and have made no purchases on that account.

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 2025-04-16 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: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request XXXX request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

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 2025-04-16 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-16 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: GA

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: MO

Complaint narrative:
I am submitting this complaint regarding the credit reporting practices of Nelnet, my previous federal student loan servicer. My loans have since been transferred to a new servicer, XXXX and the accounts are currently in Administrative Forbearance, with no payments due until XX/XX/XXXX and all accounts paid up and in good standing. 

During my time with Nelnet, I did fall behind on payments in XX/XX/XXXX. However, I believe the resulting credit damage is severely disproportionate, and the transition was poorly communicated, creating confusion about my loan status and available options. 

First, Nelnet has a documented history of consumer complaints related to poor communication, lack of transparency during delinquency, and unclear servicing practices, especially during periods of account transition. In my case, I was not informed clearly or promptly that my loans were being transferred, nor was I provided consistent information about whether payments were still due or whether forbearance or deferment options were available. 

After the transfer to XXXX, the accounts were placed into Administrative Forbearance, and no payments are currently required. Despite this, my credit reports still reflect dozens of 90-day late payment entries reported by Nelnet, one for each individual loan, even though the loans are no longer delinquent and have not entered default. 

I believe this reporting violates the principles of fair and accurate credit reporting, and does not reflect the current status of the account. While the technical reporting may be accurate from Nelnets perspective, the outcome for me as a borrower is deeply harmful and inconsistent with the spirit of federal student loan policy, especially when my accounts are now current and in government-sanctioned forbearance. 

I have attached a screenshot from my loan servicer portal showing the Administrative Forbearance status and the fact that no payment is due. 

Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: NV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. 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 2025-04-16 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: MO

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 non-monetary relief