vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-04 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: IL

Complaint narrative:
Subject : Dispute of Unauthorized Hard Inquiries on My Credit Report Dear Transunion I am writing to formally dispute unauthorized hard inquiries that appear on my credit report. I did not authorize these inquiries, nor did I initiate any application for credit or services that would justify such actions. 



Upon reviewing my credit report, I identified the following unauthorized hard inquiries : XXXX. XXXX  XXXX Date of XXXX : [ XX/XX/XXXX ] XXXX. XXXX XXXX Date of Inquiry : [ XX/XX/XXXX ] XXXX. XXXX XXXX  Date of Inquiry : [ XX/XX/XXXX ] XXXX. XXXX : [ XX/XX/XXXX ] XXXX. XXXX XXXX  [ XXXX/XXXX/XXXX ] According to the Fair Credit Reporting Act ( FCRA ), only entities with a permissible purpose and my explicit authorization may conduct a hard inquiry on my credit report. Since I did not authorize these inquiries, they constitute a violation of my rights under the FCRA. 



Requested Action : I am requesting that these unauthorized inquiries be investigated and permanently removed from my credit report. Please provide written confirmation once the deletions have been completed. 


I am also requesting the name and contact information of any entity that verified or accessed my credit file without my permission. 



Enclosed are copies of my government-issued ID and a recent piece of mail to confirm my identity, as required. 



Thank you for your prompt attention to this matter. 



Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am filing a follow-up complaint because Experian has failed to comply with the Fair Credit Reporting Act ( FCRA 611 ) in response to my prior dispute ( CFPB Ref # : XXXX ). 

My original dispute included identification, a request for documentation verifying ownership and accuracy of several tradelines, and a request for a full reinvestigation. Instead of conducting a reasonable investigation, Experian simply marked the items verified or remained without providing any supporting documentation. No contracts, account histories, or information about how the items were verified were provided.

This response is in direct violation of FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 7 ), which require a reasonable reinvestigation, and a description of the method used to verify the information.

I am requesting that Experian now be compelled to either : Provide documentation verifying the disputed items, OR Delete the items immediately if they can not be verified through original sources.

A copy of Experians XX/XX/, 2025, dispute response is attached.

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 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to request updates and corrections to my personal information currently on file with all credit bureaus. Kindly make the following changes to ensure that my credit report is accurate : XXXX. Address : Please update my address to the following : XXXX XXXX XXXX  XXXX XXXX, XXXX, NJ XXXX XXXX. Name : Please update my name to : XXXX XXXX XXXX. Social Security Number : My correct Social Security Number is : XXXX 4. Date of Birth : Please correct my date of birth to : XX/XX/1965 XXXX. Employer : My current employer is : XXXX XXXX XXXX XXXX XXXX Additionally, I request that no telephone numbers be included on my credit report. 
Lastly, I ask that you please remove any addresses currently listed on my credit report that are not deliverable by the U.S. Postal Service, as these are inaccurate and should not be reflected as per the Fair Credit Reporting Act ( FCRA ). 
Thank you for your attention to this matter. I look forward to receiving confirmation of the changes no later than 30 days upon receiving this letter. 

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 2025-05-04 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: FL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX  XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/XXXX 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 2025-05-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Nelnet, Inc.
State: OH

Complaint narrative:
I am filing a formal complaint regarding Nelnets inaccurate and potentially harmful credit reporting practices. My CreditWise report shows multiple entries from DEPT OF ED / NELNET, all listed as 120 days late, with each entry showing different balances. These entries appear to be duplicative or improperly separated by individual loan segments, resulting in multiple negative marks for what appears to be the same or related federal student loan debt. 

This inaccurate reporting has significantly harmed my credit score and misrepresents the true status and nature of my federal student loans. I understand that federal loans may be separated by disbursement or loan type, but the reporting practice used here leads to misleading credit data, especially when all are marked delinquent at once.

I am requesting : 1. An immediate investigation into the accuracy and reporting structure of these accounts.

2. Removal or correction of duplicate or improperly segmented delinquency entries.

3. A written explanation of how Nelnet is reporting these loans and why they appear separately as individual derogatory marks. 

This reporting is not only misleading but appears to mirror complaints currently under congressional investigation regarding improper data transmission by Nelnet and other servicers. 

Please escalate and review urgently. I would appreciate a copy of any communication from Nelnet justifying this reporting behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint against Experian for failing to properly investigate and remove an unverifiable account from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, I submitted a dispute through Experian regarding an account reported by XXXX XXXX XXXX in the amount of {$10000.00}. After conducting my own investigation, I contacted XXXX XXXX XXXX directly and was informed that they have no record of this account in their system and are unable to locate any information associated with it. 

Despite the creditors inability to verify or locate this debt, Experian has continued to report this account on my credit file and has listed it as verified following my dispute. This is a clear violation of FCRA guidelines, which require credit bureaus to delete any account that can not be verified within 30 days of a dispute. 

I am requesting that this account be immediately removed from my credit report, as it is unverifiable and damaging my credit standing.

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 2025-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
I noticed a fraudulent charge on my account for the amount of {$99.00}. I contacted Citi.com and reported the charge, nothing was done about in XXXX the charge was pack on my account, so I called and spoke with XXXX who assured my the charge was removed but it wasn't i called back in XXXX and spode to XXXX who is a service advisor who assured me the problem was fixed but it wasn ; t i was continually getting collection calls from citi, when i noone will fix this and remove this charge from my account so i did pay the balance but I want my money back

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 2025-05-04 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: SC

Complaint narrative:
I am filing a complaint against Equifax for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The account on my credit file for XXXX XXXX and XX/XX/XXXXis not mine, XX/XX/XXXXcontinue to not throughly investigate and place on my credit file,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX. 

Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : DEPT OF EDXXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : DEPT OF ED/XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian makes it impossible to talk to you a representative to resolve technical issues with their site. I have tried to call them so many times only to get disconnected and sent in a loop by a robot. There is no technical support to help me log in to my account and freeze/unfreeze my credit with experian. It is not sending me the authentication text nor is it calling my phone number for authentication so that I can freeze/unfreeze my credit. I also am not able to log in so that I can obtain my experian credit report. There is something wrong on their end and I am not able to get this resolved because I have already tried all the steps their robot has told me to do!

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 2025-05-04 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:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$1200.00} UNAUTHORIZED INQUIRY : XXXX XXXXXXXX XXXX XXXXXX/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 2025-05-04 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: TX

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX # XXXX XX/XX/XXXX -- {$1000.00} UNAUTHORIZED INQUIRIES : XXXX 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 2025-05-04 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: CORELOGIC INC
State: CA

Complaint narrative:
XXXX  core logic Have inaccurate information. Im requesting validation made for concern to the fair debt collection practices act please note that I am requesting validation that is comp evidence bearing my signature showing that I have or ever had some contractual obligation to pay you. I dispute the validity of these accounts. Would you claim as a collection that I have with your company? This is a formal notice your claim is disputed. Please note that any negative mark found on my credit reports, including XXXX check system, core logic from your company or any other that you represent for a debt that I dont owe is a violation of the fair debt collection practices act FDCPA807 15 USC 1962.e

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 2025-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: NV

Complaint narrative:
Had a mortgage with Freedom mortgage company that has now been paid off. They owe me for an escrow refund since XXXX of XXXX for {$1900.00}. Have contacted them over five times trying to get this check and have continued to get excuse after excuse the report that the check was mailed initially, but to the wrong address so I have to be mailed. However, I get monthly statements that the correct address every month as well as the mortgage payoff statement. Furthermore, as of a month ago, they owe me another refund for the amount of {$2300.00} which also shouldve been received, but has not. I called and spoke with them again last week and was advise I will get a call back to follow up which never occurred. They also told me the XXXX had been balanced so no longer receiving that check, however, there is no documentation to support this claim. I fear that that company is continuing to try to drag this out in hopes that I give up so they dont have to pay out the money that is owed to me. Has been over 6 months without any resolution, while in the meantime I always make payments on time and paid off the loan. I dont see how its fair I would be penalized for a late payment and that is money that could have been invested and accrued money on had I received 6 months ago.

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 2025-05-04 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: VA

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute the accuracy of certain late payment notations currently listed on my credit report. This correspondence is made pursuant to the Fair Credit Billing Act ( FCBA ), specifically 15 U.S.C. 1666b, which stipulates that a creditor must provide a grace period of not less than 21 days from the date the statement is mailed or delivered before a late fee or penalty can be assessed on a credit card account. 

Upon review of my credit report, I have identified one or more accounts reporting late payments that I believe are inaccurate, unfairly damaging to my creditworthiness, and in violation of the timing requirements set forth in 15 U.S.C. 1666b. The accounts in question are : Creditor Name : XXXX XXXX, XXXX XXXX XXXX, Revvi, XXXX Blaze XXXX XXXX XXXX bank, XXXX XXXX Account Number : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX I respectfully request that you investigate this matter in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), and remove any late payments that were reported in violation of the mandatory 21-day grace period or otherwise inaccurately recorded.

Please provide written confirmation of the outcome of your investigation and any actions taken. Enclosed are supporting documents ( e.g., billing statements, payment records ) that demonstrate my timely payments and/or show discrepancies in the creditors reporting. 

Thank you for your prompt attention to this matter. If you require any additional information, I am happy to provide it. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: EQUIFAX, INC.
State: VA

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute the accuracy of certain late payment notations currently listed on my credit report. This correspondence is made pursuant to the Fair Credit Billing Act ( FCBA ), specifically 15 U.S.C. 1666b, which stipulates that a creditor must provide a grace period of not less than 21 days from the date the statement is mailed or delivered before a late fee or penalty can be assessed on a credit card account. 

Upon review of my credit report, I have identified one or more accounts reporting late payments that I believe are inaccurate, unfairly damaging to my creditworthiness, and in violation of the timing requirements set forth in 15 U.S.C. 1666b. The accounts in question are : Creditor Name : XXXX XXXX, XXXX XXXX XXXX, Revvi, XXXX Blaze XXXX XXXX XXXX bank, XXXX XXXX Account Number : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX I respectfully request that you investigate this matter in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), and remove any late payments that were reported in violation of the mandatory 21-day grace period or otherwise inaccurately recorded.

Please provide written confirmation of the outcome of your investigation and any actions taken. Enclosed are supporting documents ( e.g., billing statements, payment records ) that demonstrate my timely payments and/or show discrepancies in the creditors reporting. 

Thank you for your prompt attention to this matter. If you require any additional information, I am happy to provide it. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation