vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 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: CA

Complaint narrative:
This letter is to put you on notice : you are reporting a tradeline that is not accurate, and doing so is a direct violation of federal lawspecifically, 15 U.S. Code 1681e ( b ), which requires the maximum possible accuracy of any information included in a consumer report. 

Let me be very clear : this tradeline does not meet that legal standard. If the information you're reporting is not 100 % accurate, it has no place on my credit reportperiod.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: NC

Complaint narrative:
XXXX XXXX XXXX ] [ XXXX fairmont ct. ] [ XXXX, XXXX ] [ XXXX ] [ XXXX ] Date : [ XX/XX/XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Information in My Credit Report Experian Report Number ( if available ) : [ Insert Report Number ] To Whom It May Concern, I am writing to formally dispute inaccurate and misleading information contained in my credit report, which I obtained from Experian. I am aware that the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian in XXXX for failing to properly investigate consumer disputes and continuing to report inaccurate information despite consumer complaints. 

Unfortunately, I am experiencing similar issues. Despite submitting disputes and providing documentation, Experian has failed to correct the following inaccurate information on my credit report : [ List the accounts/items you are disputing, including : Name of creditor Account number ( last XXXX digits only ) Explanation of why the information is incorrect Any supporting details, e.g., This account was settled in full on [ date ], or I was the victim of identity theft, and this was not authorized by me. ] I am requesting that Experian fulfill its obligation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, to conduct a reasonable reinvestigation of these items. Continued reporting of inaccurate information is a direct violation of federal law and mirrors the practices cited by the CFPB in its enforcement action. 

Please find enclosed copies of supporting documentation that substantiate my claim ( e.g., payment confirmations, police reports, identity theft affidavits, etc. ). 

I expect a full reinvestigation of these disputed items and either a correction or deletion of the inaccurate information within the XXXX timeframe required by law. Please also send me an updated copy of my credit report upon completion of your investigation. 

Thank you for your immediate attention to this matter. 

Sincerely, [ XXXX XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian continues to report harmful inaccuracies on my credit profile that should have been corrected long ago. The presence of these errors signals a serious flaw in your investigation and verification process. These inaccuracies are directly harming my financial standing, and I will not tolerate continued negligence. 

The FCRA requires that every item reported must be both accurate and verifiable through original supporting documents. If Experian can not prove these records are valid using legitimate evidence, they must be deleted immediately. I expect a complete reinvestigation and immediate correctionfurther delay will be treated as a direct violation of my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc.
State: MD

Complaint narrative:
I am writing to file a formal complaint regarding inaccurate loan accounts by Nelnet and inaccurate credit reporting by XXXX related to two former Nelnet XXXX XXXX XXXX. These loans are now serviced by XXXX and are currently in good standing, with no past due balance. 

Despite disputing this discrepancy twice directly with XXXX  ( on XX/XX/XXXX, and XX/XX/XXXX ), the two Nelnet entries reflecting delinquency or default status still remain on my XXXX credit report. This inaccurate reporting is negatively affecting my credit profile, despite the fact that : - The loans have been current and actively serviced by XXXX since XX/XX/XXXX. 

- The derogatory Nelnet accounts were scheduled for removal in XX/XX/XXXX, per credit report documentation I received from XXXX itself in XX/XX/XXXX. 

- XXXX  and XXXX have already removed or corrected the entries accordingly. 

This issue violates the Fair Credit Reporting Act ( FCRA ), which mandates that all credit information reported must be accurate and up to date. XXXX continued reporting of these obsolete and incorrect entries is misleading and unjust. 

I am attaching the following documentation to support my claim : - A recent credit report showing XXXX as the only agency still reporting the Nelnet loans, and showing that these accounts were scheduled to be removed in XX/XX/XXXX. 

- Confirmation that the loans are now current and serviced by XXXX. 

- Prior dispute correspondence and mail to/from XXXX on XX/XX/XXXX & XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC
State: VA

Complaint narrative:
Opportunity Financial ( OppFi ) is well-known for charging people exorbitant amounts of interest in their offering of predatory loans. I can attach a document that better documents their skirting of the legal lines regarding this. I'm currently stuck paying a loan with an APR of 160 %, which I was willingly paying while employed but can not after recently being laid off. I have since learned that their practices are common, unethical, and dangerous for desperate consumers like myself, and I refuse to continue paying into a loan debt that my current payments more than covered ages ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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:
Im writing to inform you that Ive fallen victim to a data breach, and fraudulent accounts have been added to my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I request that you block and remove the following accounts from my report within 4 days : 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 Address : XXXX XXXX XXXX XXXX XXXX TX XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries XXXXXXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX. XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: GUARANTEED RATE INC.
State: CA

Complaint narrative:
In XX/XX/XXXX, I submitted a formal Qualified Written Request ( QWR ) to Guaranteed Rate after discovering they had falsely reported a {$0.00} escrow balance in the official loan transfer letter dated XX/XX/XXXX. Their own records later confirmed this was incorrect the true escrow balance at the time of transfer was negative ( - {$990.00} ), due to misapplied insurance charges, even though I maintained continuous homeowners insurance coverage. 

Despite receiving my QWR on XX/XX/XXXX, Guaranteed Rate failed to notify the new servicer ( XXXX XXXX ) of the correction. Instead, they responded with vague justifications and did not take responsibility for transmitting the false escrow data, which has directly caused ongoing financial harm, including false delinquency reports and duplicate escrow billing from XXXX XXXX. 

I submitted a second written request asking for three clear corrections : Acknowledge in writing that the {$0.00} balance reported on XX/XX/XXXX was inaccurate. 

Notify XXXX XXXX in writing that the escrow balance was actually negative ( - {$990.00} ), and that the figure resulted from erroneous servicing not borrower default. 

Provide confirmation that XXXX was formally notified and that borrower records were corrected. 

As of today, Guaranteed Rate has not complied with these reasonable requests or fulfilled its obligations under RESPA ( 12 U.S.C. 2605 ( k ) ) and 12 C.F.R. 1024.35. I am requesting regulatory intervention to ensure these corrections are made and that any financial and credit reporting harm is reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: NV

Complaint narrative:
Equifaxs repeated failure to properly address disputes has become a pattern, and it's one that has already drawn federal scrutiny and legal consequences. I refuse to let my credit file suffer due to continued noncompliance and careless reporting practices.

According to 15 U.S.C. 1681i, Equifax is legally required to reinvestigate all disputed items within 30 days and delete anything that can not be 100 % verified using original, reliable documentation. These reporting errors are harming my financial future, and I will escalate this matter if corrective action is not taken immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: AZ

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: SC

Complaint narrative:
My credit report was negatively impacted due to unauthorized accounts from a data breach. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I demand blocking and removal within 4 days : 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 SC XXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$280.00} Inquiries XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: SC

Complaint narrative:
My credit report was negatively impacted due to unauthorized accounts from a data breach. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I demand blocking and removal within 4 days : 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 SC XXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$280.00} Inquiries XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This letter is to put you on notice : you are reporting a tradeline that is not accurate, and doing so is a direct violation of federal lawspecifically, 15 U.S. Code 1681e ( b ), which requires the maximum possible accuracy of any information included in a consumer report.

Let me be very clear : this tradeline does not meet that legal standard. If the information you're reporting is not 100 % accurate, it has no place on my credit reportperiod.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
To whom it may concern, I received a Venmo debit/Visa card in the mail from my old address. ( I moved 2 years ago ). 
On XX/XX/year>2025, I called Venmo to discuss that the card and account were opened without my knowledge/consent. I never use Venmo, I never register for Venmo, and I never even heard of Venmo. From this call, I even found out Venmo has an account under my company name ( LLC )!! Venmo says they will close all the accounts and cards under my name and my company/LLC name . Fast forward, I received another Venmo debit/Visa card on XX/XX/year>2025!! Venmo must have something very wrong in their account/credit card/debit card opening process, or their protocol is missing steps! Can anyone open an account/card without a solid certification? Even after I call and complain, I still get a NEW CARD! I understand XXXX and can call to complain, and even file a complaint here. Imagine those elderly or vulnerable people.... 
Thank you so much for your time reading this. Please help me to stop this madness!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: AL

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 2025-05-22 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:
XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 XX/XX/XXXX XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX2, XX/XX/XXXX, EMPLOYER -XX/XX/XXXX EMPLOYER - XX/XX/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 XXXX Federal Trade Commission that all 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 explanation
Consumer complaint received 2025-05-22 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: FL

Complaint narrative:
This letter is to demand the immediate deletion of an account that was opened using my identity without my knowledge or consent. This was an unauthorized and fraudulent use of my personal information, and I will not be held responsible for an account I did not open. 

Let me be absolutely clear : I did not apply for, authorize, or in any way participate in the creation of this account. It does not belong to me, and I will not tolerate it being reported under my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: IL

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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