vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-18 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: MI

Complaint narrative:
My account with nelnet was in XXXX. Apparently I became XXXX days past delinquency and they reported it to the credit bureau with inadequate notice of XX/XX/year> day notices. Additionally, this violates FCRA 15 USC 1681-2 ( b ) reporting late payments to my credit report. I called and asked for it to be reversed due to inadequate notice and they rudely argued with me and declined and told me there is nothing they can do. My XXXX XXXX has dropped over XXXX points and has put me in a horrible position as I was in the process of buying a home and financing my vehicle. I reported this to the credit bureas for a dispute, waiting to hear back, but I am severely depressed as my life is over due to not being able to move forward with my mortgage loan and car loan due to my XXXX XXXX going from XXXX to XXXX. I don't know what I'm going to do without help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-03-18 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: FL

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
I am filing a formal complaint against HARRIS & HARRIS XXXX for unlawfully reporting a debt on my credit report without a contractual agreement or legal basis. I have never conducted business with HARRIS & HARRIS XXXX, nor have I authorized any transactions or obligations with them. Under 15 U.S.C. 1692c ( c ), communication about a debt, including credit reporting, is prohibited after a refusal to pay, which I have made clear. Additionally, XXXX XXXX XXXX has violated 15 U.S.C. 1692g by failing to provide validation of the alleged debt, despite my legal right to request proof, and failing to provide their license to collect debt in the state of XXXX. Furthermore, the alleged original creditor has been unable to verify this account, further proving its invalidity. I am demanding that this account XXXX be removed from my credit report within XXXX days, as required under 15 U.S. Code 1681c-2. Failure to comply will result in legal action to protect my rights, including pursuing damages for violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
In XX/XX/XXXX, I received an escrow analysis for my mortgage with Truist Bank. Upon review, I discovered that XXXX property tax payments had been made from my escrow account. However, only XXXX of these payments corresponded to properties ( XXXX and XXXX ) I own. The third payment, in the amount of {$3900.00}, was made for a property that is not mine ( XXXX ). 

I immediately contacted Truist to report the error. After investigation, they acknowledged the mistake and stated they would escalate the request, correct my escrow analysis, and seek a refund from the XXXX XXXX, XXXX XXXX XXXX. On XX/XX/XXXX, they assured me that they were reaching out to the tax office and would return the funds to my escrow once recovered. They also re-analyzed my escrow without the incorrect payment, reducing the expected increase to my monthly mortgage. 

Since then, for over XXXX months, I have called Truist nearly every XXXX days for updates. Each time, I am told they are waiting on the tax office. However, after speaking directly with XXXX XXXX XXXX XXXX, I learned that : No one from Truist or their escrow provider, XXXX, contacted them before XX/XX/XXXX. 

The tax office has assigned a representative to my case, provided direct contact information, and is ready to process the refund as soon as Truist or XXXX submits a formal request. 

The delay is entirely on Truist and XXXX, not the tax office. 

To make matters worse, my neighbor, the actual property owner, recently received a demand letter from Truist instructing him to pay {$3900.00} to the bank. 

Truist claims that the tax office told them to collect the funds directly from the property owner. 

This is a false statement, as the tax office confirmed they never advised this and are still waiting on Truist or XXXX to initiate the refund process. 

The impact on me as the borrower has been significant. 

My mortgage payment increased by {$200.00} per month because my escrow account was incorrectly depleted. Had the funds not been misapplied, my escrow would not have been short, and my payment would not have increased. 

For over XXXX months, Truist has failed to act despite clear instructions from the tax office. 

Truists improper demand on my neighbor has created unnecessary social and personal stress for my family. 

I have spent at least XXXX hours on phone calls over XXXX months, repeatedly following up due to Truists failure to act, wasting my time and causing undue frustration.

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 2025-03-18 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: GA

Complaint narrative:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. 

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"

Company 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 2025-03-18 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: LA

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: United Shore Financial Services, LLC
State: CO

Complaint narrative:
Closing date of XX/XX/year> for the amount of {$200000.00}. 

I am submitting this formal complaint against United Wholesale Mortgage ( UWM ) for violations of the Truth in Lending Act ( TILA ), Regulation Z concerning the disclosure of finance charges in my mortgage loan agreement. 

Complaint Details : Financial Institution : United Wholesale Mortgage ( UWM ) Loan Account Number : XXXX Loan Amount : {$200000.00} XXXX Disclosed : 3.625 % Finance Charge Disclosed : {$130000.00} Finance Charge Calculated : {$130000.00} Difference : {$2200.00} Nature of the Violation : XXXX. XXXX XXXX of XXXX XXXX - The finance charge disclosed at closing ( {$130000.00} ) was understated by {$2200.00}, exceeding the permitted {$100.00} variance under 12 CFR 1026.18 ( d ). 

XXXX. Failure to Comply with Federal and State Consumer Protection Laws- The Truth in Lending Act was enacted to ensure transparency in lending. By failing to disclose an accurate finance charge, United Wholesale Mortgage violated my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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 formally disputing the following late payment entries on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-03-18 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:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under XXXX tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I am writing to formally dispute a collection account reported by XXXX XXXX XXXX on my XXXX credit report. Under my rights granted by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I request an immediate investigation into this account due to the following reasons : XXXX. Debt Verification I do not recognize this account as legitimate, and therefore, I demand full validation of the debt, including : A copy of the original signed contract obligating me to pay this debt. 
A detailed payment and charge history. 
Proof that Transworld System XXXX has the legal authority to collect this debt. 
Documentation confirming that the debt is still enforceable under state statutes of limitations. 
XXXX. Inaccuracy in XXXX XXXX This account has been reported as a collection since XX/XX/year>, but no valid notification has been provided in accordance with FCRA, 15 U.S.C. 1681s-2. Additionally, the account continues to show an outstanding balance of {$340.00} without reflecting any updates or proper contact attempts. 
XXXX. Possible FDCPA Violation According to FDCPA, 15 U.S.C. 1692g, debt collectors are required to provide debt validation within XXXX days of their first communication. I have not received any written validation from Transworld System XXXX, which may constitute a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( XXXX ) : XXXX XXXX. XXXX XXXX Incorrect Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Employer ( es ) : XXXX Date Updated : XX/XX/XXXX Correct Information to Be Reported : Full Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Employer : XXXX XXXX XXXX XXXX have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities. 

Request for Investigation and Procedures Pursuant to Section XXXX ( a ) ( XXXX ) ( B ) ( XXXX ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation. 

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section XXXX of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within XXXX days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: NY

Complaint narrative:
I am writing to formally dispute inaccurate information appearing on my credit report. After reviewing my report, I have identified an account that I believe contains errors. I request an immediate investigation and correction of the following account : Disputed Account : XXXX XXXX Account Number : XXXX Opened : XX/XX/year> Balance : {$0.00} Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ), credit reporting agencies must ensure the accuracy of consumer reports. If this account can not be verified as 100 % accurate, I request its immediate removal from my credit report in compliance with FCRA Section 1681e ( b ), which mandates that consumer reporting agencies maintain maximum possible accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
As Executor of the Estate of my charge, fully in compliance with XXXX XXXX XXXX in XXXX and having Letters Testamentary and certified Death Certificate, and having keys to safe deposit boxes in question, I went to the bank branch to access contents of the XXXX rented boxes, with Lease valid until XX/XX/XXXX. I was told that although they would give me access, I would have to empty the contents by the end of that business day, XX/XX/XXXX. I was surprised and ill prepared to take action since more than {$800.00} was prepaid for the XXXX, valid until XXXX, XXXX. My intent was to leisurely, over time, remove the contents, and the Lease had been paid so that in reality, I should have had 8 months to transact. I asked for proration but was denied. This bank had a history of overcharging fees, to wit, I prepaid the boxes in XXXX of XXXX when the fee was not due until XX/XX/XXXX. Despite that, they took another charge of over {$400.00} ( since reimbursed ) from decedent 's checking account

Company response to consumer: Closed with explanation