vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-13 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under 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 2025-03-13 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: TX

Complaint narrative:
I am filing a formal dispute against TRANSUNION, EXPERIAN, AND EQUIFAX regarding multiple inaccurate and inconsistent reports of a closed account XXXX that is being reported differently across the three major credit bureaus. These errors are violating the Fair Credit Reporting Act ( FCRA ) and are causing significant harm to my credit profile at a time when I am in the process of securing home financing. This account is closed, yet the three credit bureaus report different statuses : Equifax reports it as open, which is inaccurate. Experian correctly reports it as paid. TransUnion reports it as closed. The same account is being reported under different account numbers across the three credit bureaus, which is misleading and violates FCRA accuracy requirements. Equifax is reporting a XXXX XXXX monthly payment and a {$920.00} balance on a closed account, which is inaccurate. A closed account should reflect a {$0.00} balance and no monthly payment. The payment history for this account is inconsistent across the credit bureaus, further confirming data integrity issues in reporting. The multiple inaccuracies in this accounts reporting violate several provisions of federal consumer protection laws, including : 15 U.S.C. 1681e ( b ) Failure to Ensure Maximum Accuracy, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), 15 U.S.C. 1681s-2 ( b ), 15 U.S.C. 1681c ( a ) ( 5 ) Improper Reporting of Closed Accounts,15 U.S.C . 1681i. Due to these multiple reporting errors, legal violations, and the financial harm this is causing,

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 2025-03-13 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: WA

Complaint narrative:
I am writing to formally express my concerns regarding a serious violation of my privacy rights. It has come to my attention that XXXX XXXX and his DOGE team may have illegally obtained my personal information related to my federal student loans. I believe this act is not only unethical but also infringes upon my rights as a consumer.

As a borrower of federal student loans, I understand the importance of safeguarding personal and financial information. I have not authorized any third party to access or use my information for any purpose, particularly for activities related to cryptocurrency or other speculative ventures.

The circumstances surrounding this issue raise significant concerns about consumer privacy and the protection of sensitive information. I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly to protect consumers like myself from similar violations in the future.

Please let me know if you require further information regarding my situation or if there are specific steps I need to take as part of this complaint process. I appreciate your attention to this matter and look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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 bring to your attention the presence of unauthorized hard inquiries on my credit report maintained by your bureau. I kindly request your assistance in investigating and removing these inquiries, as they were made without my knowledge, consent, or any legitimate purpose. I believe that their inclusion on my credit report is unfair and unjust, and I seek resolution in accordance with the Fair Credit Reporting Act ( 15 U.S. Code 1681b ).

The following unauthorized hard inquiries are currently reflected on my credit report : Inquiry Date : XX/XX/year> Inquiry Source : XXXXXXXX XXXX Inquiry Date : XX/XX/year> Inquiry Source : XXXXXXXX XXXX XXXX I hereby request a thorough investigation into these unauthorized hard inquiries. I require you to verify the legitimacy of each inquiry and provide evidence that justifies their inclusion on my credit report. If you are unable to substantiate the legitimacy of these inquiries, I kindly request their immediate removal from my credit report. 

Furthermore, I urge you to take necessary measures to prevent any re-reporting of these unauthorized hard inquiries to any third parties. Their continued presence on my credit report could result in adverse effects on my creditworthiness and financial opportunities. I expect your assurance that no further harm will be caused by these inquiries. 

Please provide me with a written response within the statutory timeframe of 30 days, detailing the actions you have taken to address this matter. I anticipate a prompt resolution in accordance with the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I trust that you will handle this issue with the utmost professionalism and adherence to applicable laws.

Thank you for your attention to this matter. I appreciate your efforts in rectifying the unauthorized hard inquiries on my credit report and restoring the accuracy of my credit history.

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 2025-03-13 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: WA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
I am formally disputing my student loan due to a breach of my personal and financial information that occurred without my authorization. This breach constitutes a direct violation of the Family Educational Rights and Privacy act FERPA which mandated the protection and confidentiality of student records. As a result of this failure to safeguard my information, my personal and financial data have been compromised placing me at significant risk of identity theft, financial harm, and ongoing privacy violations. Give the severity of this breach and its direct impact on my financial security I am demanding the immediate cancellation and full discharge of my student loan debt. I expect a prompt resolution to this matter, Please provide a written response confirming the actions taken to rectify this issue. Failure to address this may result in further legal action. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
On XX/XX/year> I received a response to a previous complaint filed with Goldman Sachs, Apple card. The company refused to reverse a decision on a XXXX XXXX reservation I was unable to use because I was unable to enter the country ( XXXX ). They point to the XXXX XXXX T & C 's as a reason to decline the dispute. Regardless of the T & Cs I was unable to use the reservation because I was unable to enter the country. Please explain how this is a scenario not covered by a credit card company, as I contacted the hotel with no luck and also was unable to reach anyone at XXXX XXXX because they are just a middle man offering unused hotel rooms at a discount. So this is a reservation I could not use, and also a reservation that the hotel couldn't secure so it has to use a 3rd party ( XXXX XXXX  ) to sell the room for them. Obviously the hotel was not sold out, therefore they could have rented this to another party. I want to escalate this request.

Also, I am showing a balance of {$110.00} ( when I paid the account off in full and closed it ), and when I reached out to Goldman Sachs they said I have a balance of {$700.00}. What is going on with these guys? Then the agent dropped my chat after 3 mins due to " inactivity ''. These guys are worse than the XXXX. I want to escalate this complaint as well, and I want compensation for the hassle. How is this company allowed to still operate when they had to pay a $ XXXX fine for this type of nonsense. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: NV

Complaint narrative:
I am filing a complaint against TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, TransUnion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a through investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as high 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 TransUnion complies with federal law and provides consumers with the necessary proof of investigation.

This is the account that I have marked as inaccurate. 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 2025-03-13 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies, 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 The accounts that are included in my attachments and are seen on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: NC

Complaint narrative:
I am filing a CFPB complaint regarding multiple fraudulent accounts that were added to my credit report without my authorization due to identity theft. These accounts were opened in my name without my knowledge, and I have not given consent for them. 

The following fraudulent accounts must be immediately removed under 15 U.S.C. 1681c-2 and 15 U.S.C. 1681i ( Section 605B of the Fair Credit Reporting Act ) : - XXXX  ( Account number : XXXX ) Balance : {$630.00} Opened : XX/XX/XXXX - XXXX  ( Account number : XXXX ) Balance : {$630.00} Opened : XX/XX/XXXX I have provided an FTC Identity Theft Report, a government-issued ID, my Social Security card, and a utility bill to verify my identity and support my fraud claim. 

The companies reporting these accounts have failed to provide verifiable proof that I authorized them. Under 15 U.S.C. 1681i and Section 605B, credit bureaus are required to block and remove fraudulent accounts immediately upon receipt of an identity theft report. I demand that these accounts be deleted from my credit file without further delay.

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 2025-03-13 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: TX

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I ve had a better understanding w Equifax and do appreciate them! But, don't understand whose responsibility it falls under to correct the following updates! 

Where is the disconnect coming from, if Equifax has update their files why doesn't XXXX  not have it correct! 
This information is imperative because the banks look here for the beacon score.. to approve loans. 

I ve reached out to both companies and I would think Equifax could not do XXXX  updated... hummmmmm!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: NY

Complaint narrative:
Was sent the following information " Subject : Borrower Defense Case Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) has determined that the federal student loan ( s ) you received to attend XXXXXXXX XXXX XXXX XXXXXXXX ), now known as the XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ), on or after XX/XX/XXXX, through XX/XX/XXXX, are eligible for a full discharge. This means the remaining balance on the eligible loan ( s ) will be forgiven. You do not have to make any more payments on the loan ( s ).

Your loan ( s ) will be dischargeXXXX as part of an XXXX action regarding loans made to students attending XXXX between XX/XX/XXXX, through XX/XX/XXXX. This action follows XXXX finding that XXXX made pervasive and widespread substantial misrepresentations borrowers relied on to their detriment and/or violated state consumer protection laws. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
I was forced to personally pay the real estate taxes when my town announced a tax sale date due to non-payment by the servicer. This is not the first time such an issue has occurred, and despite multiple attempts to resolve the matter with Shellpoint, they have failed to take corrective action or provide adequate explanations.

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 2025-03-13 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: AL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
The Fair Debt Collection Practices Act ( FDCPA ) prohibits debt collectors from placing repeated or continuous phone calls with the intent to annoy, abuse, or harass you and at this point you are violating my rights.

Company response to consumer: Closed with non-monetary relief