vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: ARVEST BANK GROUP, INC.
State: OK

Complaint narrative:
On XX/XX/year>, a representative from Arvest Bank came to my home. She said she was taking pictures and told my friend to tell me to call the mortgage company. This was very dispectful to announce to someone, other than me, my business with the bank. I was embarrassed. I am one month late. The bank also tapes notices to my door, further embarrassing me because I am a XXXX woman.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

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 explanation
Consumer complaint received 2025-04-14 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: OH

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: VA

Complaint narrative:
From XX/XX/XXXX, I have requested removal of inaccurate information on my Equifax credit report. XXXX XXXX XXXX Acct # XXXX is showing " Repossessed '' in both XX/XX/XXXX and XX/XX/XXXX. This can not be accurate as this showed that it was repossessed twice, not one time. Also, I don't recall the vehicle being repossessed at all since I turned it back in to the dealership. 
Also, they keep reporting the date of lace activity to Equifax as XX/XX/XXXX. They have not provided any proof of how this account would be " Active '' in XXXX, XXXX especially if it was repossessed in XXXX and XX/XX/XXXX. 
I feel like I have been ignored by a more powerful organization and need help from consumer protection advocated such as yourself. I know that you regulate both Equifax and XXXX XXXX XXXX and very much appreciate your help. Please remove this from my Equifax credit report. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

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 2025-04-14 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX Metro 2 Compliance Request for Account XXXX To Whom It May Concern, I am writing to formally dispute the reporting of the account referenced above as it appears on my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ) and the Consumer Data Industry Associations ( XXXX XXXX Metro 2 guidelines, I am requesting that your company investigate and verify the accuracy and completeness of the information you are furnishing. 

Under Metro 2 standards, data furnishers are required to report consumer credit data accurately, completely, and in a timely manner. I believe the reporting of this account violates those standards due to the following : Incorrect payment history, incorrect balance, inaccurate date, incorrect address, incorrect reporting, account paid in full and still reporting, improper reporting. 
If the information can not be fully verified and validated in compliance with Metro 2 format guidelines and FCRA requirements, I respectfully request that the account be removed from all consumer reporting agencies to which it was reported. 
Under 15 U.S. code 1681 S 2A Ifurnishers must report accurate information. Under 15 U.S. code 1681 I the credit bureaus must perform a reasonable investigation within 30 days. Under 15 U.S. code 1692g dictates that debt collectors must send a written notice to consumers within five days of initial contact, detailing the debt amount, creditor name, and the consumer 's right to dispute the debt. 

Please provide a written response confirming the results of your investigation and any action taken within 30 days, as required by federal law. 

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 non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
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 explanation
Consumer complaint received 2025-04-14 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: MS

Complaint narrative:
XXXX XXXX  XXXX  XXXX Metro 2 Compliance Request for Account XXXX To Whom It May Concern, I am writing to formally dispute the reporting of the account referenced above as it appears on my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ) and the Consumer Data Industry Associations ( XXXX ) Metro 2 guidelines, I am requesting that your company investigate and verify the accuracy and completeness of the information you are furnishing. 

Under Metro 2 standards, data furnishers are required to report consumer credit data accurately, completely, and in a timely manner. I believe the reporting of this account violates those standards due to the following : Incorrect payment history, incorrect balance, inaccurate date, incorrect address, incorrect reporting. 
If the information can not be fully verified and validated in compliance with Metro 2 format guidelines and FCRA requirements, I respectfully request that the account be removed from all consumer reporting agencies to which it was reported. 
Under 15 U.S. code 1681 S 2A Ifurnishers must report accurate information. Under 15 U.S. code 1681 I the credit bureaus must perform a reasonable investigation within 30 days. Under 15 U.S. code 1692g dictates that debt collectors must send a written notice to consumers within five days of initial contact, detailing the debt amount, creditor name, and the consumer 's right to dispute the debt. 

Please provide a written response confirming the results of your investigation and any action taken within 30 days, as required by federal law. 

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 non-monetary relief
Consumer complaint received 2025-04-14 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: FL

Complaint narrative:
Subject : Urgent Appeal for Verification and Rectification of Erroneous Details on My Credit Report Attributable to Suspected Fraudulent Actions Dear Sir/Madam, I am hereby formally informing you of my discontent under the regulations of the Unjust Credit Reporting Act ( UCRA ), particularly sections 401 ( b ) ( 2 ), 503 ( c ) ( 3 ), and 809 ( d ) ( 2 ) ( C ), to demand validation and deletion of erroneous late payment data displayed on my credit profile. 

The accounts in question are as follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Reported Late Payment Date : XX/XX/year> 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 2025-04-14 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: NJ

Complaint narrative:
I am filing a formal complaint regarding a 90-day late payment reported on my credit file by Nelnet, my federal student loan servicer. This derogatory mark has caused a significant and distressing drop in my credit score. 

I want to clarify that I have already scheduled a payment to bring my account current, and I am prepared to pay the full balance in full if that would help resolve this issue. I have never been careless with my financesthis situation is deeply uncharacteristic of my history and values. 

During this period, my wife and I were dealing with the XXXX XXXX of our child on XX/XX/year>. I was working full-time while also acting as a primary caregiver to my wife and newborn. As a result, I was stretched thin physically, emotionally, and financially. 

Adding to the hardship, Nelnet 's communication during the federal student loan repayment restart was confusing and unclear. I did not receive timely, straightforward notice that my repayment had resumed or that my account was becoming delinquent. I only discovered the late mark after reviewing my credit report and immediately took action to fix it. 

We are currently in the process of preparing to buy our first home, and this single reporting event could cost us XXXX  of dollars in interest over the life of our loanor worse, disqualify us from favorable lending options. I am urgently asking for a goodwill adjustment to remove or reclassify the late payment due to the extraordinary and clearly documented personal hardship I was facing, compounded by poor communication from my servicer. 

I have always paid my financial obligations on time, and I would never knowingly jeopardize my credit standing. This mark is not a reflection of my character or intentit is a product of a system restart that was messy, unclear, and poorly communicated to borrowers like myself. 

I respectfully request the CFPB investigate this situation and help facilitate the removal or correction of this late payment so that I can continue building my financial future on stable footing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: CA

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 2025-04-14 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: NC

Complaint narrative:
Entries for late payments appear on my report that I believe to be inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, my report is required to contain only information that is accurate, complete, and verifiable. I am requesting that these late payment entries be verified, and if they can not be confirmed, that they be corrected or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally express my deep dissatisfaction with my recent experience with Nelnet student loan servicing. This situation has caused significant emotional distress, financial strain, and unjust damage to my credit report.

Over 30 days ago, I filed a dispute regarding a 90-day delinquency placed on my account and subsequently reported to the credit bureaus. Despite the time elapsed, I have received no formal response or resolution. I find this level of customer service unacceptable and negligent. I finally took it upon myself to call again and was told that the dispute had already been closed. I never received this information.

For context, I had Auto Pay set up on my student loan account since opening it roughly 8 years ago, when it was serviced by Great Lakes. I had never missed a payment. When the account was transferred to Nelnet, I reasonably assumed that my $ 50 monthly Auto Pay would continue uninterrupted, especially since there had been multiple payment pauses due to COVID-19, hurricane relief, and federal administrative deferments.

When repayment randomly resumed, I was unaware that my Auto Pay did not reactivate. As a result, I unknowingly missed three small payments totaling only {$150.00}. The first notice I received of any issue was a sudden and drastic drop in my credit score from XXXX to XXXX due to the reported delinquency. This has severely impacted my ability to secure housing, at a time when I am 7 months pregnant and preparing to move my growing family into a new home. 

I contacted Nelnet immediately upon discovering this error, only to be told there is nothing that can be done. I find this deeply troubling. It was a reasonable assumption that Auto Pay would continue upon the transfer of servicing, especially given the length of the payment pause. This is clearly a first-time issue, resulting from miscommunication and system transition, not willful negligence on my part.

I am requesting : 1. Immediate removal of the delinquency from my credit report.

2. A formal written response to the dispute I submitted over 30 days ago.

3. An apology and clarification of your process regarding Auto Pay and transitions between loan servicers. 

This situation has caused undue hardship and emotional distress during a critical time in my life. I urge you to take responsibility and correct this injustice promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: GA

Complaint narrative:
To whom it may concern, In reference to the existing CFPB complaint XXXX I am filing this complaint because Equifax has violated my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B. 

On XX/XX/year>, I submitted a formal identity theft dispute to Equifax, including : A valid FTC Identity Theft Report ( generated through IdentityTheft.gov ), A copy of my government-issued ID, A utility bill as proof of address, And proof of 3 data breach letters Despite this, I received a phone call from an Equifax representative ( who identified himself as a supervisor named XXXX  ) claiming that my FTC Identity Theft Report was invalid due to its format. When I asked for clarification, I was told the issue was how the report looked not the content and to contact the FTC and ask them how to fill one out. I also advised the rep before him " XXXX '' that my name was invalid and they both skipped completely over the fact my name is INCORRECT ON MY CREDIT PROFILE WITH THEM which further has me worried that they are just letting my credit report remain inaccurate. 

This is a direct violation of FCRA Section 605B [ 15 U.S.C. 1681c-2 ], which mandates that the credit bureau block fraudulent information within four business days upon receipt of a proper identity theft report and supporting documents. There is no legal basis under the FCRA to deny an FTC Identity Theft Report based on formatting especially when it comes directly from the official IdentityTheft.gov website. 

I am requesting the CFPBs assistance to : Require Equifax to comply with Section 605B and process my dispute properly, Update my name to XXXX XXXX which has been my legal name for years Block the fraudulent/inaccurate items from my credit report, Provide confirmation of the changes in writing, And explain why they falsely cited format as a reason to avoid compliance. 
I attached all documentation under my original CFPB report which I am uploading AGAIN. 

Thank you for your assistance in resolving this matter and ensuring my consumer rights are protected. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

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 2025-04-14 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: OH

Complaint narrative:
I kindly request that you update and validate the items I previously mentioned, as they are still incorrectly reported on my account. I have already provided all the necessary details for 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 non-monetary relief