vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I need your help investigating accounts from companies that have inaccurately reported late payments. After reviewing my credit report, I found certain accounts showing late payments that should not be there. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to reflect a positive status as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: DE

Complaint narrative:
Account open XXXX but shows XXXX delinquency XXXX. Account is not accurate. Provide original agreement. Also where the account was open and when. FTC report number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: NC

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 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 2025-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MN

Complaint narrative:
Nelnet sent me a letter on XX/XX/XXXX stating the forbearance I requested through fsa has applied to my account with next due date of XX/XX/XXXX. Yesterday I got an email from my creditor that Sloan services had marked my credit past due 90 days. I didnt know that company existed and I called them and told them about my terms I had with nelnet and they said they bought my account XXXX of XXXX and didnt have to follow the forbearance that XXXX department of education gave me. This is not my fault they changed but its a contract and they need to follow it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: CA

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 2025-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Colony Brands, Inc.
State: AZ

Complaint narrative:
I called to make a deal with Montgomery ward and they agreed to delete this account from my credit report. They said they would and that they always delete the accounts once its paid. Well I paid it and its still showing as nothing was paid and its still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Chime Financial Inc
State: OK

Complaint narrative:
I submitted a formal dispute to Chime regarding inaccurate information being reported to XXXX through their XXXX XXXX program. On XX/XX/year>, Chime acknowledged that the disputed information was updated and stated that the changes would be reflected in the next monthly report. However, I recently received a new response from Chime stating that the information was accurate and that no changes would be made. This conflicting and contradictory information is misleading and has harmed my credit profile. 

Despite my request for verification, Chime has failed to provide documentation to support the reported data or conduct a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ). This has resulted in the continued reporting of incorrect information to XXXX, which is affecting my ability to qualify for a home loan. 

I am requesting that the CFPB investigate this matter and that Chime be required to either correct the inaccurate reporting or provide full documentation that justifies the reported status. I have also uploaded screenshots of all communication as supporting evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: 2288984 Ontario Inc.
State: MI

Complaint narrative:
XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX RE : Request for Charge-Off Removal Account # XXXX To Whom It May Concern, I am writing to formally address a charge-off listed on my credit report from XXXX XXXX, account number # XXXX. I respectfully request the removal of this item from my credit report with all three major credit bureaus ( XXXX, XXXX, and XXXX ). 
Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, consumers have the right to dispute inaccurate or outdated information. If the account information is incorrect in any waysuch as balance, dates, or statusI request immediate investigation and correction or deletion. If the information can not be verified, it must be removed in compliance with the FCRA. 
Additionally, under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, if this debt has been transferred to or reported by a third-party collector, I request complete validation of the debt, including the original agreement bearing my signature and a full account history. 
If the debt has been paid or settled, I am requesting a goodwill adjustment to have the charge-off status removed as a gesture of goodwill. This account does not reflect my current financial behavior, and I am working diligently to maintain a positive credit history. 
Please note that I am requesting this in good faith and not disputing the validity of the debt ( unless inaccurate ). This request is made for the purpose of repairing my credit and rebuilding my financial health. 
If you agree to remove the charge-off from my credit reports, I would greatly appreciate written confirmation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This matter demands your immediate and full attention. 
Multiple companies have accessed my credit report without my knowledge or consent, and these unauthorized inquiries are actively damaging my credit and raising serious concerns about identity theft. Despite prior assurances from an XXXX representative that these would be removed, they remain unresolved. This ongoing failure to act is unacceptable and continues to cause me real emotional distress and financial harm.

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 2025-04-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted formal disputes to Experian regarding inaccurate items appearing on my credit report. These disputes were mailed directly by me and included all required identification : a government-issued photo ID and a recent utility bill verifying my current address.

Despite receiving everything required to verify my identity and address, Experian responded with a letter refusing to investigate my disputes, falsely claiming that the disputes were not submitted by me or were unauthorized.

This response is a stall tactic and a violation of my rights under the Fair Credit Reporting Act ( FCRA 611 ), which mandates reinvestigation of disputed information when initiated by the consumer and properly documented. Experian was already in possession of all necessary verification materials at the time of their refusal.

I am requesting that the CFPB intervene to compel Experian to conduct a proper reinvestigation of my disputes and to ensure that they do not engage in further false or misleading attempts to dismiss consumer disputes.

A copy of their refusal letter, along with proof of my identity and address that was originally submitted, is available upon request.

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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
On my Toyota motor in my credit report say 30 days late but I never been late on my payment please update my account. The account number is XXXX. Toyota Motors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). 

And according to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to XXXX XXXX XXXX they are suppose to 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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On my credit report its XXXX  days late.account number is # XXXX company name is Citi.

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 2025-04-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG FINANCIAL CORPORATION
State: TX

Complaint narrative:
I received several voicemails in the span of XXXX days saying I was going to be served with legal papers and taken to court. I called the number back and they had my social security number, maiden & married name, and address. They told me I had a loan default from XXXX XXXX XXXX. I asked them for the date, and they said they didn't have it. They gave me the option to pay via a " mediator, '' which was the person who called me, or I would be served with papers and taken to court. I told them I wanted to see what the debt was in writing and requested a verification letter. They emailed me one, and when I googled the company name and address, the name did not show up, and the address was that of an XXXX XXXX XXXX. I called the CFPB, who advised me to contact them and request a Professional License Number, which I did. When I asked for that number, the person told me she didn't know and would call me back. I checked my credit report, and I do not have any debt collection or defaulted loans on my report. My credit score has increased XXXX points over the last month and a half. I fear this is real, but I don't know how to tell.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: NJ

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-04-09 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: IL

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 1099-C 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 explanation
Consumer complaint received 2025-04-09 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: CA

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 explanation
Consumer complaint received 2025-04-09 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:
Today I discovered some false accounts on my credit report, and I dont understand how they ended up there. I checked it like I always do, but this time unusual entries showed up. I tried refreshing the page to rule out a technical glitch, but the inaccurate information stayed. Because of this, Im requesting that my submitted documents be reviewed carefully so I can put this matter to rest.

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 2025-04-09 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: IL

Complaint narrative:
I am formally disputing the following late payment entries on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( 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 non-monetary relief
Consumer complaint received 2025-04-09 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 of 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 non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: PA

Complaint narrative:
Tek-collect is attempting to collect a debt I do not. XXXX Ive requested them to validate this debt on more than one occasion. I also requested the following : In accordance with the FDCPA, please provide the following : 1. The name and address of the original creditor.

2. A detailed itemization of the alleged debt, including how the amount of {$1200.00} was calculated.

3. A copy of any judgment ( if applicable ).

4. A copy of the original signed contract or agreement, or other proof that I have a legal obligation to pay.

5. Verification that you are legally authorized to collect debts in my state.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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