vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 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: MN

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint regarding serious violations of the Fair Credit Reporting Act ( FCRA ) by one or more consumer reporting agencies and data furnishers. My consumer credit report ( XXXX ) are currently showing multiple incorrect and unauthorized addresses which are not mine and to which I have no connection whatsoever. 
The following addresses are falsely associated with my credit profile : XXXX. XXXX XXXX Ct, XXXX, LA XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, LA XXXX Incorrect XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, LA XXXX Incorrect These addresses are not now, nor have they ever been, associated with me in any capacity residential, business, or otherwise. Their inclusion on my credit report is the result of inaccurate reporting, erroneous data matching, or possibly identity confusion or theft. 
Violations of Law This matter constitutes a direct violation of the following provisions of the Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681e ( b ) : Every consumer reporting agency shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( a ) ( 1 ) ( A ) : If the completeness or accuracy of any item of information contained in a consumers file is disputed by the consumer and the consumer notifies the agency directly... the agency shall reinvestigate free of charge and record the current status of the disputed information. 
15 U.S. Code 1681g ( a ) ( 1 ) ( A ) : Consumers have the right to know all the information in their file at the time of request, including the sources of that information.

These addresses affect my identity verification, financial standing, and ability to obtain credit, housing, or employment. Their continued presence on my report constitutes gross negligence, particularly after notice has been given.

Requested Action I am requesting that the CFPB launch a full investigation into the reporting of these addresses and the systems used to validate and match such data. I am further requesting : Immediate deletion of the above-listed incorrect addresses from all consumer reporting agencies ( Equifax, Experian, and TransUnion ) XXXX 
Written confirmation of the deletion. 
Investigation into whether these errors resulted in other false account information being reported under these identities. 
This situation is creating hardship and potential confusion with lenders, landlords, and employers. I have never lived at or been associated with these addresses. I demand a thorough and prompt resolution. 
Thank you for your time and attention to this matter.

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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint regarding serious violations of the Fair Credit Reporting Act ( FCRA ) by one or more consumer reporting agencies and data furnishers. My consumer credit report ( XXXX ) are currently showing multiple incorrect and unauthorized addresses which are not mine and to which I have no connection whatsoever. 
The following addresses are falsely associated with my credit profile : XXXX. XXXX XXXX Ct, XXXX, LA XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, LA XXXX Incorrect XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, LA XXXX Incorrect These addresses are not now, nor have they ever been, associated with me in any capacity residential, business, or otherwise. Their inclusion on my credit report is the result of inaccurate reporting, erroneous data matching, or possibly identity confusion or theft. 
Violations of Law This matter constitutes a direct violation of the following provisions of the Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681e ( b ) : Every consumer reporting agency shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( a ) ( 1 ) ( A ) : If the completeness or accuracy of any item of information contained in a consumers file is disputed by the consumer and the consumer notifies the agency directly... the agency shall reinvestigate free of charge and record the current status of the disputed information. 
15 U.S. Code 1681g ( a ) ( 1 ) ( A ) : Consumers have the right to know all the information in their file at the time of request, including the sources of that information.

These addresses affect my identity verification, financial standing, and ability to obtain credit, housing, or employment. Their continued presence on my report constitutes gross negligence, particularly after notice has been given.

Requested Action I am requesting that the CFPB launch a full investigation into the reporting of these addresses and the systems used to validate and match such data. I am further requesting : Immediate deletion of the above-listed incorrect addresses from all consumer reporting agencies ( Equifax, Experian, and TransUnion ) XXXX 
Written confirmation of the deletion. 
Investigation into whether these errors resulted in other false account information being reported under these identities. 
This situation is creating hardship and potential confusion with lenders, landlords, and employers. I have never lived at or been associated with these addresses. I demand a thorough and prompt resolution. 
Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
My PARENT PLUS loans were with Navient. In XXXX, I called in there as I was having issues re-paying my loans. When I spoke to them they encouraged me to consolidate my parent plus loans together and do a forbearance. I did what they recommended. Covid then hit in XXXX and all Student Loans were suspended for everyone. They have since started and I went to do an in-school deferment as I have two kids still in college. My new servicer told me that Navient did a consolidation so now my loans aren't Parent plus loans and I can't put them in deferment. They also told me that Navient combined both of my children 's parent plus loans together, which shouldn't be done and I can't fix it. They now want payment on these loans while I have kids in school. I have been hurt financially by the complete lack of disclosures and guidance by Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: TN

Complaint narrative:
Im contacting you because Ive found wrong and damaging information on my credit report, and Im not going to let it slide. This matter is urgent, and I expect it to be taken seriously and handled without delay.

Specifically, there is an entry on my report that is completely inaccurate and does not belong to me. Whether it was the result of clerical error, misreporting, or worseunauthorized or fraudulent use of my identitywhat matters now is that its false, and it needs to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On the XX/XX/year> I dispute 3 items that were charge on my Wells Fargo account which only one was consider fraud and I got my XXXX dollars back but the two other transactions I got charge for. One transaction was {$1800.00} the other one was XXXX for a total amount of XXXX that was taken away from my account .My wife and me where both working the day of the transaction and we got proof from our work something Wells Fargo cant provide us with

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 2025-06-11 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: TX

Complaint narrative:
These accounts were not opened by me and appear to be the result of identity theft. I did not authorize them, nor was I aware of their existence. I am invoking my rights under 15 U.S.C. 1681g to request their deletion within 15 days. Please find the attached evidence supporting 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 2025-06-11 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: MD

Complaint narrative:
I am a victim of the Equifax data breach please see attachments below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX GA XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$4100.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$12000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$5400.00} INQUIRIES : XXXX Date : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC
State: VA

Complaint narrative:
I submitted two timely mortgage payments in XXXX and XX/XX/year>2025, both for {$3300.00}, through XXXX. The mortgage servicer misapplied the XXXX payment to escrow instead of applying it to my mortgage loan. Despite multiple calls beginning on XX/XX/XXXX, the issue was not corrected. Instead, the company used the escrow funds to pay a property tax bill earlyeven though the bill was not due until XXXX XXXX, 2025. 

I called again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time, the representatives acknowledged the mistake and stated that the issue would be resolved within 35 business days. However, the account still shows a delinquency, and Ive received a mortgage bill indicating a past-due amount that should not exist.

I also emailed the company on XX/XX/XXXX with payment confirmation and documentation, including screenshots and payment receipts from XXXX, as well as proof of where the payments were submitted. I received only an automated response and no follow-up. On XX/XX/XXXX, I made a final call and mailed a certified letter to their investigations department. I was again told the issue would be escalated and resolved within 48 hours.

Despite all this, the account remains unresolved. This mishandling of my mortgage payments appears to violate CFPB mortgage servicing rules and may lead to inaccurate credit reporting. I have made all required payments in good faith and taken every reasonable step to correct this issue.

I believe this was done intentionally in order to continue assessing late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-06-11 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$890.00} INQUIRIES : XXXX Date : 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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$180.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: NV

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request proper resolution.

Unauthorized inquiries to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: TX

Complaint narrative:
I am writing to dispute a fraudulent credit inquiry that appears on my credit reportan inquiry that I did not authorize, did not consent to, and had absolutely no knowledge of until recently reviewing my report. 

Let me be clear : this inquiry was made online without my permission, and I consider it an unauthorized and fraudulent action that compromises the integrity of my credit profile. I have no connection to this request, did not initiate any such application, and did not provide my information for this purpose. 

This fraudulent inquiry must be removed from my credit report immediately.

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 2025-06-11 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: Regional Management Corporation
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am reporting a serious violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), regarding the reporting and collection of a medical/dental debt. 
1. The original creditor charged off this debt as a profit/loss, yet a third-party debt collector is actively attempting to collect the debt, violating FDCPA Section 807 ( 15 U.S.C. 1692e ) by misrepresenting the debts status.

2. On my credit report, the same debt is listed three times on the same date by the same furnisher, appearing to be a manipulative attempt to lower my credit score.

3. The account appears to be re-aged, with new dates of delinquency reported, which is a violation of FCRA Section 623 ( a ) ( 5 ).

4. Despite placing a security freeze and opting out of all consumer disclosure databases, Clarity Services, a subsidiary of Experian, has furnished my credit data, violating my consumer rights under FCRA and FACTA.

I have attached the following documents as proof : * Credit reports showing multiple listings of the same debt * Original creditor statement identifying this as a medical/dental debt * ID theft affidavit I request that this inaccurate and illegal reporting be corrected immediately and removed from all consumer reporting agencies, including Clarity and Experian.

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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with non-monetary relief