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: TRANSUNION INTERMEDIATE HOLDINGS, 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 Transunion 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 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 non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Nelnet, Inc.
State: NC

Complaint narrative:
What happened : I received XXXXday late marks on XXXX separate student loan accounts with my loan servicer, Nelnet, due to a single missed email notification. The company has said they sent mail to an old address I was no longer living at, so I did not receive any of these communications. I was under the impression my loans were in good standing, and I did not receive sufficient notice that payment was required. Once I realized the issue, I immediately brought the account current. 
Ive always maintained excellent credit and have never had a history of late payments. This was a one-time, unintentional error due to miscommunicationnot willful neglect or inability to pay. 

Why its a problem : The reporting of XXXX separate XXXXday late marks for XXXX isolated incident has caused my credit score to drop over XXXX points. This has jeopardized a pending mortgage approval and caused severe harm to my financial stability and future housing plans. 
When I contacted the loan servicer to request a goodwill adjustment, they told me they do not offer goodwill removals under any circumstanceseven when the borrower has a strong repayment history and a clear record of responsibility. I believe this policy is unnecessarily punitive and fails to account for reasonable human error. 

Requested resolution : I am requesting the removal or adjustment of the XXXXday late marks across these accounts as a goodwill or exception case. I am also requesting that the CFPB review the loan servicers refusal to offer any discretionary relief to borrowers in cases of isolated errors with documented clean credit histories.

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: WI

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 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: PA

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 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 : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-11 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I have hard inquiries on my credit report that were not authorized by my these inquiries include XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX, 2024 COMENITYCAPITAL/FE21 Inquiry : XXXX XXXX, 2024 COMENITYCAPITAL/FE21 Inquiry : XXXX. XXXX, 2024 I am requesting they remove it as it appears to be fraudulent

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 XXXX ( XXXX U.S.C. XXXX ) that you, the Equifax credit XXXX XXXX XXXX XXXX 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 : 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 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 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have asked Transunion to assist me with a dispute, and they have refused to have the XXXX  removed even though it was not properly obtained.

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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have hard inquiries on my credit report that were not authorized by my these inquiries include CAPITAL ONE BANK USA Inquiry : XXXX XXXX, XXXX  XXXX Inquiry : XXXX XXXX, XXXX  XXXX Inquiry : XXXX. XXXX, XXXX  I am requesting they remove it as it appears to be fraudulent

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
im a victim of id theft my name was changed on my credit reports do to fraud

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
im a victim of id theft my name was changed on my credit reports do to fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Reliant Financial Corporation
State: CA

Complaint narrative:
To Whom It May Concern : I, XXXX XXXX XXXX, hereby submit this formal statement regarding the actions taken by [ gold acceptance ] and/or its authorized dealership in connection with a vehicle identified as follows : Make/Model : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Manufacturing Defect Shortly after taking possession of the aforementioned vehicle, I experienced significant mechanical and/or structural issues that were determined to be the result of a manufacturing defect. These defects rendered the vehicle inoperable or unsafe, and were not caused by normal wear and tear or misuse. 

XXXX. Promise to Cover Costs Upon reporting these issues, representatives of gold acceptance / dealer acknowledged the existence of the manufacturing defect and expressly statedverbally and/or in writingthat the manufacturer would assume financial responsibility for all related repairs and associated costs. 

XXXX. Failure to Pay / Breach of Promise Contrary to the above, gold acceptance/ dealer failed to follow through with their commitment. The defect was not properly resolved, and the promised financial coverage was not provided. Despite the vehicle being unusable due to no fault of my own, I was held liable for the loan payments. 

XXXX. Repossession and Retention of Debt Subsequently, the vehicle was repossessed by or on behalf of the lender or manufacturer. However, the outstanding loan balance was not cleared, and I remain burdened with the debt for a vehicle that ( a ) suffered from manufacturer-confirmed defects, and ( b ) was repossessed without appropriate resolution of the financial harm caused. 

XXXX. Legal and Equitable Relief Requested This series of events constitutes a breach of express and/or implied warranties, misrepresentation, and potentially unlawful repossession practices. I hereby request that [ gold acceptance ] : Acknowledge the breach and manufacturing defect in writing ; Remove the remaining debt associated with the vehicle ; Compensate for any related financial loss, including but not limited to credit damage and out-of-pocket expenses. 

If this matter is not resolved within 14 days from the date of this notice, I reserve the right to pursue legal action and to file a formal complaint with relevant regulatory and consumer protection agencies. 

Respectfully, XXXX XXXX XXXX XXXX XX/XX/XXXX 2025

Company public response: Company disputes the facts presented in the complaint
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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
The vehicle in question has been sold ; however, XXXX is still inaccurately reporting a balance of over {$10000.00} on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), any information that is inaccurate, incomplete, or unverifiable must be corrected or deleted. Additionally, Bridgecrest is legally required to provide both a Notice of Sale and a Notice of Deficiency following the repossession and sale of the vehicle. To date, I have not received either.

This constitutes fraudulent and illegal reporting, and it is negatively affecting my credit standing. Despite this, the credit bureaus have failed to hold XXXX accountable for these violations. 

I am formally disputing this account and requesting the immediate removal of the inaccurate balance. I also request that all reporting activity be suspended during the investigation, as required by federal law. 

Please confirm in writing that this account will be corrected or deleted within the legally mandated 30-day timeframe.

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: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
The vehicle in question has been sold ; however, XXXX is still inaccurately reporting a balance of over {$10000.00} on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), any information that is inaccurate, incomplete, or unverifiable must be corrected or deleted. Additionally, Bridgecrest is legally required to provide both a Notice of Sale and a Notice of Deficiency following the repossession and sale of the vehicle. To date, I have not received either.

This constitutes fraudulent and illegal reporting, and it is negatively affecting my credit standing. Despite this, the credit bureaus have failed to hold XXXX accountable for these violations. 

I am formally disputing this account and requesting the immediate removal of the inaccurate balance. I also request that all reporting activity be suspended during the investigation, as required by federal law. 

Please confirm in writing that this account will be corrected or deleted within the legally mandated 30-day timeframe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
Our original appraisal value is XXXX in 2014. Our purchase price was XXXX. Homes in our neighborhood are selling from XXXX. We owe around XXXX on our mortgage and the company continues to refuse to remove PMI. This is against the law. Please help us. 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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX, XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
As Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit le. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 

Account name : XXXXXXXX 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 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: NE

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor 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 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

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: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: American Credit Acceptance, LLC
State: NC

Complaint narrative:
I am filing this complaint in response to an adverse action notice I received from American Credit Acceptance regarding a denied credit application.

I have reason to believe that my application or associated financial instrument was monetized, transferred, or assigned without full disclosure or my informed consent. Under the Equal Credit Opportunity Act ( 15 U.S.C. 1691 ), Fair Credit Reporting Act ( FCRA ), and the legal definition of a creditor under 15 U.S.C. 1692a ( 4 ), I have demanded verification of the original creditors identity and documentation showing whether American Credit Acceptance acted as a creditor, assignee, or third-party servicer. 

Additionally, I believe the structure of this transaction operates as a constructive trust with myself as both grantor and beneficiary and the institution acting in a trustee capacity. Therefore, any monetization or third-party involvement without disclosure constitutes a breach of fiduciary duty, deceptive practice, and unjust enrichment. 

I submitted a formal rebuttal and demand for full disclosure directly to the company and request that the CFPB enforce their obligation to respond with transparency, identify all parties involved in the assignment or sale of my credit instrument, and confirm their legal standing as a creditor. 

I am seeking a full accounting, all related documents, and a review of their compliance with federal consumer protection laws.

Company response to consumer: Closed with explanation