vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-10-01 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
I have paid the recast down payment amount by XX/XX/year>. Ive been calling them once or twice each week and they always the letter has been sent or they even say me that they will send again. But on my last call on XX/XX/XXXX or XXXX XXXX and was told by XXXX XXXX that a letter was sent XX/XX/year> and should receive in XXXX business days. When I asked about what happened for the last month when i have been calling then requesting fir letter. She said she cant answer that and has no info but just keeps on saying that its been sent on XX/XX/XXXX and should get in XXXX days. But not a proper reason or explanation for the delay. Now that XXXX days have passed and no letter came to my home. 

As the days go by XXXXXXXX XXXX interest even for the amount I already paid for. For XX/XX/year> i paid {$4100.00} roughly with interest. This has impacted my day to day financial life. 

Need some help please.

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 2025-10-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
So I put in a XXXX when I first got the loan they said it would take XXXX to reflect, but XXXX never did so I call back. They said I didnt fill a paper out so I did the hole process over again. Still did not see it reflect I did call back again but they dont know what happened either it was processed just not through all the way. Im just confused because its been about XXXX months at this point

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-01 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:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TekCollect Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, Tek Collect Inc. reported a {$1200.00} debt to my credit bureau in connection with XXXX XXXX XXXX. I was never notified about this alleged debtneither by Tek Collect nor XXXX  XXXX. I did not receive any letters, phone calls, or other communication regarding a balance owed. 

I was a XXXX XXXX XXXX customer back in XXXX, well before they went bankrupt. At that time, I paid the balance I owed in full. This was before I even had a credit card or active credit account, so there is no legitimate reason this should now be appearing as a new debt on my credit report. 

Additionally, XXXX XXXX XXXX has since gone bankrupt, which makes this reporting even more concerning. The account should have been closed when I paid it off years ago, and there is no basis for Tek Collect to be reporting a new balance. 

This inaccurate reporting is harming my credit profile, and I am requesting immediate investigation, correction, and removal of this invalid debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I made a mortgage payment on XX/XX/XXXX for the XXXXXXXX XXXX  on the XXXX website. I have an email confirming receipt of my payment on XXXX XXXX. Sometime in XXXX I realized there was an error on my credit reports, investigated, and contacted XXXX XXXX immediately to discuss the error. The response from XXXX XXXX XXXX the payment that was made on XXXX XXXX was credited to XXXX 's mortgage payment and not XXXX 's so I was deemed XXXX days late on my mortgage! How can you take someone's payment and apply it to the next month ( XXXX ) when it was time stamped for XXXX and intended for XXXX mortgage payment? XXXX XXXX, your system is flawed and should not be making mistakes where the consumer has to take it upon themselves to defend. I have been a loyal customer to XXXX XXXX and in my XXXX years I have never missed a mortgage payment.

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 2025-10-01 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: MD

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: SC

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: FL

Complaint narrative:
In XXXX I took out a student loan in the amount of {$66000.00} from XXXX XXXX, for my son 's college. It is being serviced by AES. In XXXX, during XXXX I lost my job and got behind on payments. I was charged a fee of {$7400.00} to " rehabilitate '' my loan. The loan was transferred to PHEAA. The following numbers from the AES website show what I have paid so far. 

Principal Paid : {$81000.00} Total Fees Paid : {$380.00} Interest Paid : {$37000.00} Amount Paid : {$110000.00} The following numbers from their website show what they are saying I still owe. 

Principal Balance : {$51000.00} Late Fees : {$0.00} Unpaid Interest : {$170.00} Total Balance : {$51000.00} Please note that I did call in on the final day prior to the loan going into default, to make a payment and was told I was too late. There should be phone records of this conversation. 

There is also an interest capitalization charge that AES applied to the loan at different times from XXXX - XXXX that totaled {$8900.00}. My loan principal was not credited with any payments from XX/XX/XXXX to XX/XX/XXXX, all payments were credited to interest only. 

I have downloaded the transaction report from their website showing all the payments, how they were applied, as well as fees and interest capitalization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: IL

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 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 2025-10-01 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: TX

Complaint narrative:
The review leads to a mistaken view of my financial values.

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 2025-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: NY

Complaint narrative:
I am disputing a debt being pursued by TrueAccord ( and referenced by XXXX ) that is past the statute of limitations. TrueAccord confirmed in writing on [ insert date ] that this debt is no longer legally collectible.

Despite this confirmation : TrueAccord has not updated XXXX or other reporting agencies to reflect that the debt is expired. 
The company has made attempts to collect a debt I am not legally obligated to pay, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ). 

I have attached : The email from TrueAccord confirming the debt is expired. 
Screenshots of XXXX live chat conversations. 
Any other relevant correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: SC

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$15000.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$520.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$16000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-10-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: PNC Bank N.A.
State: MD

Complaint narrative:
PNC has ceased sending account statements. I have not agreed to receiving electronic statements and am unable to reverse this situation. I believe that failing to provide statements, and failing to provide a means to request paper statements, is a violation of Regulation Z.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In my letter, I disputed the alleged debt and requested documentation proving that I owe it, as allowed under the Fair Debt Collection Practices Act ( FDCPA ). Despite this, the company has continued collection activity, including remove in 4 business days This is a violation of my rights under the FDCPA because they are attempting to collect without providing proper validation and ignoring my cease-and-desist request. I am requesting that the CFPB require this company to stop all collection activity until they provide full validation of the alleged debt, and to correct any inaccurate reporting to the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: LA

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Bank errors in billing and reporting are negatively impacting my credit. Under the Truth in Lending Act ( 15 U.S. Code 1666 ( b ) ), creditors are required to accurately apply payments and properly reflect credits. However, several violations have occurred : payments I made were not correctly recorded, there are clear calculation errors in the reported balances, and I was not provided the federally required XXXX notice prior to a payment due date. As a result, the late payment notations being reported are invalid. These inaccuracies constitute a violation of federal law and are unfairly 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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have inquiry on my report that I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have inquiry on my report that I did not authorize

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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: LEXISNEXIS
State: TX

Complaint narrative:
" On XX/XX/XXXX at XXXX XXXX, LexisNexis processed a fraudulent account suppression and security freeze request from XXXX- which is NOT my email address. 
My actual email is XXXX ( different username and domain ). 
Someone used : A spoofed email address with my first name Stolen copies of my ID and proof of address ( confirmed by LexisNexis supervisor ) Knowledge of my personal information This occurred immediately after my XXXX XXXX XXXX date ( XX/XX/XXXX ) during active litigation. 
On [ call date ], I spoke with LexisNexis supervisor " XXXX '' who : Repeatedly claimed " the request came from your email '' despite being two different addresses Confirmed stolen ID documents were attached to the fraudulent request Refused to provide electronic delivery despite my formal consent and litigation deadlines Treated identity theft as a customer service issue rather than fraud Would not provide IP address, timestamps, or other verification data I formally invoked FCRA 609 and 611, demanding full disclosure within 30 days. 
LexisNexis failed to : Verify the email address before processing Authenticate the request properly Treat this as identity theft/fraud Provide timely access to my own records Honor my consent for electronic delivery I am the victim of identity theft. The timing suggests intentional interference with my legal case. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
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. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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