vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
This company has called me several times a week and several times a day from several different numbers, leaving messages that I need to call them back for an important business manner. I answered one time and they asked to verify if it was me which I did not want to give them this information since Im not sure if this is a scam. They would give me no further information. I asked them to please stop calling me and send whatever they needed in the mail, They said that they would only do that if I verified my information. As far as I know, I have no outstanding debts for them to be calling me. First it was XXXX calling me and now its XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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:
Request for Reinvestigation of All Negative Accounts XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX To Whom It May Concern, This is a formal request under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), for a full reinvestigation of the following accounts that appear on my consumer report. I believe these accounts are reporting inaccurately and require immediate reinvestigation and verification. 

Please reinvestigate the following negative accounts : - XXXX XXXX XXXX ( Account # : XXXX ) - XXXX XXXX XXXX  ( Account # : XXXX ) - XXXX XXXX XXXX XXXX ( XXXX ) ( Account # : XXXX ) - XXXX XXXX XXXX XXXX ( XXXX XXXX  ) ( Account # : XXXX ) - FAIR COLLECTIONS & OUT ( Account # : XXXX ) - XXXX XXXXXXXX XXXX ( Account # : XXXX ) - XXXX  ( Account # : XXXX ) - XXXX XXXX XXXX XXXX ( Account # : XXXX ) - XXXX XXXX XXXX  XXXX Account # : XXXX ) - XXXX XXXX XXXX Account # : XXXX ) - XXXX  XXXX XXXX  ( Account # : XXXX ) - XXXX/XXXX  ( Account # : XXXX ) - XXXX XXXX  XXXX ( Account XXXX XXXX XXXX ) - XXXX XXXX XXXX ( Account XXXX XXXX Multiple Accounts ) - XXXX XXXX  ( Account XXXX XXXX XXXX ) - XXXX  XXXX  XXXX ( Account # : XXXX ) I request a reinvestigation into the accuracy and completeness of the reporting of each of these accounts. If any of these items can not be verified within the timeframe prescribed by law, they must be promptly deleted from my credit report. 
Please send me the results of your reinvestigation in writing, along with an updated copy of my credit report. This request is submitted in good faith pursuant to my rights under the FCRA. Failure to respond or properly investigate may result in legal action. 
Sincerely, XXXX XXXX XXXX, I am requesting that you send me copies of all documentation, records, or communications you used to verify the accuracy of each account listed above. This includes any correspondence from the furnisher, original account-level documentation, or internal investigation notes. This request is made pursuant to my rights under the Fair Credit Reporting Act to understand the basis of any verification made on disputed items.

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 2025-05-14 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: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) 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 2025-05-14 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: IN

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: AZ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion and Equifax credit reporting agencies, block and remove 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 identity theft and fraudulent request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address ( private email address accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud.Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your attention to this matter. I look forward to your assistance in resolving this issue.I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-05-14 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXCOLLECTION ACCOUNT\n\nAMOUNT XXXXXXXX\n\nTHIS ACCOUNT IS REPORTING TO MY CREDIT INNACURATE I NEED THIS ACCOUNT REMOVED FROM MY ALL XXXX CREDIT BURUES, I AM ATTACHING PROOF OF PAYMENT AND EMAIL FROM CLERK OF COURT SHOWING THIS HAS BEEN PAID AND THERE IS NO BALANCE OWED... I NEED ACCOUNT ERASED FROM CREDIT'

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 2025-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Citi charged me {$35.00} for a returned check but nothing was returned and I was unjustly charged because all payments made went through. I never received a notice either. 

I see this roberry and would like to press criminal charges in New York against them

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 2025-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: OR

Complaint narrative:
On XX/XX/XXXX, I revoked authorization for automatic payments. XXXX  charged the automatic payment anyway with some excuse that it was " still scheduled '' and I didnt cancel the " scheduled '' payment. This created an overdraft fee for me with my bank. I had reached out to customer service because the payment was posted in my bank account but the representative said it can't be reversed as it was " processing ''. I have already filed a complaint about the unauthorized charge and also disputed the transaction with my Bank. It looks like the payment was reversed on XX/XX/XXXX. However : I see that I was charged a {$30.00} " returned payment '' fee on XX/XX/XXXX for the transaction that was not Authorized in the first place. This should not have happened and I also deem this fee illegal as I had revoked my authorization to pull the payment in the first place.

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 monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been XXXX to my life and credit health. I have asked for an investigation and have found several inaccuracies on my credit report after the account came back verified. These errors have given me horrendous interest rates and resulted in denial of credit in some cases.

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 2025-05-14 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: KS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 2025-05-14 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: FL

Complaint narrative:
I am processing disputes on behalf of inaccurate information reported to my credit profile not following the FCRA & FDCPA laws. This has caused major inaccuracies reported a false information listed that is hindering my credit score and credit profile. These disputes needs to be investigated and resolved asap. Please review to remove all listed items reported to my dispute filing ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MO

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.

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 seven 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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Foxstar Energy Resources LLC DBA Federal Student Loans Council
State: FL

Complaint narrative:
I have never applied for student loans and it shows I have. I have recently started attending college through the military using XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation
State: TX

Complaint narrative:
Penn Cred Association or something like that for debt collection ( Debt collector ) reported by XXXX Called me asking for me to confirm my identity before they even told me who they were. When I asked, he ( sounded like overseas agent ) got an attitude and refused to qualify who they were and what the debt was for. I simply said you called me, and I have no idea who you are or ever done business with you. So, no I'm not identifying myself or my address etc. I didn't answer any of their questions as I do not owe any money to any business or credit card that I do business with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: OH

Complaint narrative:
I recently reviewed my credit report and was shocked to find a hard inquiry that I did not authorize. This inquiry was done onlinewithout my knowledge or consentand it is completely fraudulent. 

I want to be absolutely clear : I did not initiate this, I did not approve it, and I had no part in this inquiry being made. It should have never appeared on my report in the first place.

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 2025-05-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Nelnet, Inc.
State: LA

Complaint narrative:
am writing to formally dispute my federal student loans and request a full discharge due to a serious breach of my personal and financial information. My information was compromised without my authorization, which violates multiple federal laws designed to protect student records and personal privacy. Under these circumstances, I request the immediate cancellation and discharge of my student loan debt in full, as my rights have been severely violated. Below are the key reasons for my request ; Violation of the Family Educational Rights and Privacy Act ( FERPA ) ; My student records were disclosed without my consent, violating FERPA 's strict confidentiality protections.

Breach of the Privacy Act of 1974 ; My personal and financial information was improperly accessed and shared without my authorization'ating my privacy riahts under federai law. Violation of the XXXX XXXX XXXX ; As a student loan borrower, my information should have been protected, but the mishandling of my data demonstrates a failure to uphold these legal protections. 
Breach of Contract and Negligence ; The entity responsible for safeguarding my data failed to do so, putting my financial security at risk. And unauthorized disclosure to third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Army and Air Force Exchange Service
State: RI

Complaint narrative:
Dear XXXX University, I am deeply concerned with the mischief slander on your XXXX XXXX XXXX Website which is crippling the XXXX XXXX and XXXX XXXX. I provided no less than 11 years of XXXX XXXX XXXX and XXXX XXXX XXXX and your staff Intentionally caused havoc which includes assaulting me at XXXX during my set with XXXX  + XXXX, making remarks about my dress at XXXX XXXX XXXX XXXX  ( XXXX XXXX ) and have continued to be loud and disrespectful in the XXXX XXXX. 

Created in XXXX : Projec+ No 1One % is a movement is aimed to bring attention to removing the ban against individuals who are XXXX+ to be able to serve in the military while upholding protection and advocacy for Veterans Rights, XXXX Individuals, Members of the XXXX XXXX XXXX, XXXX XXXX & Victims of Domestic Violence & Child Abuse while avidly delivering presentations through events in nightlife, motivational speeches and global gatherings of diverse, unique individuals. 

Today XX/XX/XXXX In XX/XX/XXXX, a federal court ruled that the military can not bar individuals with XXXX from enlisting if they maintain an undetectable viral load. This ruling overturned a long-standing ban that prohibited XXXXXXXX  individuals from serving, even if their condition was effectively managed with medication. 
Details : Undetectable Viral Load : The key factor in the court 's decision was the concept of an undetectable viral load, which means the individual is not contagious. 
Policy Change : The Department of Defense ( DoD ) had previously banned individuals with XXXX from enlisting and required XXXX service members to be discharged or separated solely on the basis of their XXXX status. 
Court Ruling : A federal judge in Virginia ruled that the ban was " irrational and capricious '' and violated the equal protection clause of the Constitution, Media Coverage : w/ Support By XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( XXXX XXXX  ) Projec+ No 1One % ( Veterans Affairs ) XXXX XXXX ( XXXX ) XXXX XXXX ( Nervous ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX ( XXXX ) https : XXXX XXXX XXXX XXXX  Sincerely XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX : case # 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 explanation
Consumer complaint received 2025-05-14 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 have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: NY

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: DE

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: Nelnet, Inc.
State: IN

Complaint narrative:
I am filing this complaint against my current loan servicer, Nelnet, and my previous servicer, XXXX, regarding multiple serious issues that have negatively impacted my loan status and credit. 

I was not informed that my loan was being transferred from XXXX to Nelnet. I received no notice, which prevented me from properly tracking or managing the account during the transition. 

I was not notified that my deferment period had ended. As a result, my loan exited deferment without my knowledge and began accruing interest and possibly reporting negatively to credit bureaus. 

There has been excessive and unexplained accrued interest that has increased my loan balance significantly without any clear justification or notice. 

These issues have resulted in unfair damage to my credit and have caused financial confusion and stress. I request that these matters be fully investigated and that any inaccurate or harmful reporting be corrected. I am also requesting a complete accounting of how interest was calculated and applied to my account during and after deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: NJ

Complaint narrative:
I spoke with XXXX ( case # XXXX ) and she is reporting that the information on the report is accurate and that she will wait for the dispute process to take its course. I contacted XXXX, XXXX about inaccuracies within my credit report, their representatives informed me it was an Experian problem as they update the credit bureaus monthly. They do not understand why this account ( which is 18 months old ) is still showing on my credit report when I refinanced and the account was closed. The representative stated " if they ( Experian ) contacted us, we would have definitely informed them the account was in good standing and has been closed. '' Experian is lying and telling me false information. They are reporting they contacted XXXX via their automated system and the system reported back that the account in question is open and active. However, when logging into the XXXX system, their system shows the account closed. So how is Experian reporting an account is open, when the financier is reporting that it is close. 

I tried to connect the XXXX companies, and XXXX disconnected the call, and the XXXX representative was ready to provide XXXX with the information required to settle the dispute.

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