vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: MI

Complaint narrative:
On XX/XX/year>, XXXX XXXX instructed his team of Department o Government Efficiency ( DOGE ) to gain access to multiple internal systems within the Department of Education, including financial aid dataset that contains the personal information of millions of students enrolled in the federal student aid program. My information was among that dataset that has been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: FL

Complaint narrative:
I am submitting this complaint against [ Credit Bureau Name ] regarding inaccuracies in my personal information as reported in my credit report. 

Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is listed incorrectly on my credit report as XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. I request that my name be updated to reflect the correct information. 

XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX, XXXX XXXX FL, XXXX, but my credit report shows an outdated address as XXXX XXXX XXXX XXXX, XXXX, FL, XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX FL, XXXX ; XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, FL XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, FL, XXXX ; XXXX XXXX XXXX XXXX, XXXX, FL, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX ; XXXX XXXX XXXX XXXX, XXXX, FL, XXXX ; XXXX XXXX XXXX, XXXX, FL, XXXX. I request that my current address be updated accordingly. 

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.

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 2025-03-15 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: VA

Complaint narrative:
Experience has failed to fulfill its legal obligations under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation to dispute information credit reporting, leaving inaccurate or unverified account information the customer financial protection bureau has recently filed a lawsuit against experian alleging systemic issues such as failing forward consumer -provided evidence furnished accepting unreliable responses and failing to adequately notify consumers of dispute outcome these failures align with my experience where experian has nether corrected nor removed disputes items dispite the evidence I provided causing ongoing harm to my credit standing I am requesting immediate corrective action to remove or amend the dispute account for my XXXX loans experian in action violate federal laws and my rights as a customer

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 2025-03-15 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: Duvera Billing Services, LLC
State: PA

Complaint narrative:
I filed a previous complaint and Easy Pay never attempted to contact me and they waited until I paid off the loan to respond and close out the complaint. I missed paying my mortgage this month so I could pay off this loan. This company is using predatory and deceptive tactics to scam customers. There is a cap on interest that can charged for a loan in Pennsylvania and Easy Pay is charging almost 4times that cap. It is illegal in the state of PA to charge 149 % interest rate. Other states have also agreed its illegal and have sued Easy Pay and won. My loan was for {$1600.00}, I made 13 payments at {$96.00} and when I went to pay the balance the loan amount was {$1500.00}. Ive tried to calculate how they are charging interest and cant figure it out. How do you make payments on a loan and the balance just keeps increasing. I felt like I had to miss my mortgage so I could pay this because if I missed a payment even more interest would be charged along with fees. This is far from over, Easy Pay is practicing illegal lending tactics. I want a refund of the interest that exceeds the cap of interest that can be charged in the state of Pennsylvania.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: MA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I went online to get a work verification letter from Equifax, but the report says I have no employment for the last 2 years. I am still employed with XXXX XXXX and has been employed with the same employer for the last 20 years. I am also a victim of identity theft. This problem is blocking me from getting other program assistance and from seeking other employment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-15 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-15 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: FL

Complaint narrative:
I am submitting this complaint against [ Credit Bureau Name ] regarding inaccuracies in my personal information as reported in my credit report. 

Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is listed incorrectly on my credit report as XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, but my credit report shows an outdated address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I request that my current address be updated accordingly. 

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 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: CA

Complaint narrative:
On or around XX/XX/year>, and XX/XX/year>, I submitted disputes to Equifax, Experian, and TransUnion regarding the reporting of an alleged XXXX XXXX XXXX account ( Account # XXXX ) on my credit report. I disputed that the account was not reporting 100 % accurately and completely, particularly with regard to the payment history. Despite my disputes, all three credit bureaus have verified the accuracy of the reporting. However, they are not reporting the exact same information. The inconsistencies in the data indicate that the information being furnished by XXXX XXXX XXXX  is not being consistently or accurately maintained across all three credit bureaus. This raises concerns about XXXX XXXX XXXX  compliance with its obligations under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681s-2, which requires furnishers to report complete and accurate information and to correct any errors when a dispute is raised. Furthermore, FCRA Section 1681e mandates that credit reporting agencies ( CRAs ) must have reasonable procedures in place to ensure the accuracy and integrity of the data they collect, maintain, and provide to third parties. The law requires CRAs to implement effective review systems and safeguards to prevent the dissemination of inaccurate information in credit reports. If the information being reported by the CRAs is inconsistent, this raises several critical concerns : Was a reasonable investigation actually conducted? What account-level documents were reviewed beyond the Automated Consumer Dispute Verification ( ACDV ) form? Did the credit bureaus directly contact and speak with a representative from XXXX XXXX XXXX? Were ALL payment history details, charges, and credits reviewed thoroughly? Without a thorough review of account-level documentation, it is impossible to conduct a meaningful and reasonable investigation. The failure to ensure that all three credit bureaus report the same, accurate information suggests that both XXXX XXXX XXXX  and the CRAs have failed to meet their statutory obligations under the FCRA. I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter to determine whether XXXX XXXX XXXX  and the credit bureaus have conducted a proper reinvestigation in accordance with federal 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 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On or around XX/XX/year>, and XX/XX/year>, I submitted disputes to Equifax, Experian, and TransUnion regarding the reporting of an alleged XXXX XXXX XXXX account ( Account # XXXX ) on my credit report. I disputed that the account was not reporting 100 % accurately and completely, particularly with regard to the payment history. Despite my disputes, all three credit bureaus have verified the accuracy of the reporting. However, they are not reporting the exact same information. The inconsistencies in the data indicate that the information being furnished by XXXX XXXX XXXX  is not being consistently or accurately maintained across all three credit bureaus. This raises concerns about XXXX XXXX XXXX  compliance with its obligations under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681s-2, which requires furnishers to report complete and accurate information and to correct any errors when a dispute is raised. Furthermore, FCRA Section 1681e mandates that credit reporting agencies ( CRAs ) must have reasonable procedures in place to ensure the accuracy and integrity of the data they collect, maintain, and provide to third parties. The law requires CRAs to implement effective review systems and safeguards to prevent the dissemination of inaccurate information in credit reports. If the information being reported by the CRAs is inconsistent, this raises several critical concerns : Was a reasonable investigation actually conducted? What account-level documents were reviewed beyond the Automated Consumer Dispute Verification ( ACDV ) form? Did the credit bureaus directly contact and speak with a representative from XXXX XXXX XXXX? Were ALL payment history details, charges, and credits reviewed thoroughly? Without a thorough review of account-level documentation, it is impossible to conduct a meaningful and reasonable investigation. The failure to ensure that all three credit bureaus report the same, accurate information suggests that both XXXX XXXX XXXX  and the CRAs have failed to meet their statutory obligations under the FCRA. I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter to determine whether XXXX XXXX XXXX  and the credit bureaus have conducted a proper reinvestigation in accordance with federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 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: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
This issue pertains to a previous CFPB complaint - number : XXXX SUBMITTED ON XX/XX/XXXX. American Honda Finance Corporation mailed a check in the amount of {$320.00} when in fact I was due a prorated refund in the approximate amount of {$480.00}. I complained to the dealership who agreed I had been short changed. They offered to contact Honda and advocate for me. I appreciate this but this issue has dragged on since XX/XX/XXXX. This morning I submitted a complaint to the New York State Attorney General ( NYAG Submission # XXXX ). The CFPB has all of the previously submitted documents and I will now attach a copy of the check. The refund I am due is a prorated portion of the {$580.00} I paid for a 24 month warranty but cancelled after only four months. The amount received from XXXX does not reflect this. I was short changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: WI

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-03-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
That they have nothing stating that I have an account with them but its on my credit report a bunch of times and there were open cards and payments made and a pass due balance owed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 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: SC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
I dont have any knowledge of this company or debt. My information was compromised during a data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: MI

Complaint narrative:
I kindly request that you update and validate the items I previously mentioned, as they are still incorrectly reported on my account. I have already provided all the necessary details for this Matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I hope this letter finds you well. I am writing to formally request the removal of several unknown items from my credit report. After reviewing my credit report, I noticed multiple entries that I do not recognize and did not authorize. These entries are causing me significant concern and have impacted my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief