vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 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: WI

Complaint narrative:
Re : Debt Validation Request Pursuant to the FDCPA | Account # XXXX To Whom It May Concern, This letter is being sent in response to a collection notice I received from your agency. I am requesting the validation of this alleged debt, as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Be advised, this is a request for validation, not a refusal to pay. 
In accordance with the FDCPA and relevant case law, including XXXX XXXX XXXX XXXX XXXX, XXXXXX/XX/XXXX, I am requesting that you provide competent evidence that I have a legal obligation to pay you. The XXXX case emphasizes the need for debt collectors to provide meaningful and concrete proof when attempting to collect a debt. 
Please provide the following : XXXX. Proof of the original debt including the name of the original creditor, the full account number, and a detailed statement showing all charges and payments. 
XXXX. A full and complete chain of title, including documentation that proves your legal right to collect on this debt ( i.e., the assignment or purchase agreement that gives XXXX XXXX XXXX the authority to collect on behalf of the original creditor ). 
XXXX. A copy of the signed contract or agreement where I allegedly agreed to assume this debt. 
XXXX. The name and address of the original creditor. 
5. Verification that the statute of limitations on this debt has not expired. 
XXXX. Your license number and the name of the state where you are licensed to collect debts. 
In addition, you are hereby notified to cease and desist from any and all further contact with me regarding this matter, except to provide the validation requested, or to notify me of any specific legal action you intend to take. You may not contact me by phone, mail, email, or any other form of communication except to comply with this request. 
Any failure to fully validate this debt, or continued collection efforts without validation, will be considered a violation of the FDCPA and my consumer rights, and I will not hesitate to report such violations to the Consumer Financial Protection Bureau ( CFPB ), my State Attorney General, and the Federal Trade Commission ( FTC ). 
I expect a response within 30 days of your receipt of this letter.

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 2025-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: CO

Complaint narrative:
US Bank has refused to give me information on an account that was cleaned out used and closed. There is reported forgery signatures on the account and I am needing information upon the transactions that were made on a US BANK account in which XXXX XXXX social and my social security were used to open the account. I was notified by XXXX XXXX XXXX XXXX that this account was used to pay for XXXX XXXX  I am not a XXXX  and I did not consent for this to happen it was around XXXX I need help with this matter as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XX/XX/year> experian XXXX, XXXX XXXX XXXX  XXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 

Reinserting previously disputed and inaccurate information without explanation. Failing to notify consumers about investigation results effectively. 

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XX/XX/year> experian XXXX, XXXX XXXX XXXX  XXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 

Reinserting previously disputed and inaccurate information without explanation. Failing to notify consumers about investigation results effectively. 

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

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 2025-04-15 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: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am submitting this complaint to formally dispute the ongoing negative credit reporting of an account that has been paid in full and closed. Despite the account being satisfied and resolved, it continues to report negatively on my credit reports, which is a clear violation of my consumer rights under both federal law and commercial standards. This misreporting has caused substantial harm, including the denial of mortgage and automobile financing. 

Account Details : Creditor Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Status : Paid and Closed Issue : Continued Negative Reporting ( Late Payments/Charge-Off Status ) Violations of Federal Law and Commercial Code : 1. 15 U.S.C. 1681e ( b ) Fair Credit Reporting Act ( FCRA ) : Credit reporting agencies are legally required to maintain maximum possible accuracy. Reporting a paid and closed account with a derogatory status ( e.g., charge-off or late ) is both inaccurate and misleading, violating this section of the FCRA. 
2. 15 U.S.C. 1681s-2 ( b ) : Furnishers of credit information must promptly investigate disputes and correct or delete any information found to be inaccurate or unverifiable. In this case, the continued negative reporting after the debt was paid in full shows noncompliance. 
XXXX. XXXX XXXX ( b ) : According to the XXXX XXXX XXXX, when an obligation is paid in full, the account is discharged and no further performance or reporting is required. Continuing to report derogatory marks post-payment is commercially unjust and unlawful. 
4. UCC 1-308 Reservation of Rights : I reserve my right not to be bound by misrepresented or unverified reporting, and I do not waive any rights by filing this complaint. 

As a direct result of this inaccurate reporting : I have been denied a mortgage loan despite meeting all other qualifications. 
I was unable to secure financing for a vehicle purchase. 
My credit score remains damaged due to false information. 
I have suffered emotional distress and financial loss from lost opportunities. 

I am demanding the following actions be taken immediately : 1. Deletion with Prejudice : Immediate and permanent removal of the derogatory reporting associated with the paid and closed account from all three credit bureaus ( XXXX Equifax, and TXXXX XXXX. 
2. Cease and Desist Reporting : All further negative reporting or re-reporting of this account must cease, in accordance with the law.

3. Compensation for Damages : I request monetary compensation for the documented financial harm, including loss of housing and transportation opportunities, and the ongoing damage to my creditworthiness.

4. CFPB Investigation : I request that the CFPB investigate this account and hold the furnisher and credit bureaus accountable for their failure to comply with both federal law and commercial reporting standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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 not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume 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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2025-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: IA

Complaint narrative:
On Monday XX/XX/XXXX I received notice from my bank that I had three delinquent charges from Mohela regarding my student loans. They have my loans in 3 separate accounts. I was not aware my payments were starting as I have not finished my degree. I did take a few years gap as I am a XXXX  mom and was struggling to work 2 jobs and take care of my son as well as keeping my GPA up. Mohela had the incorrect phone number for me they also had my parents address. I called today XX/XX/XXXX and waited on hold for 4 hours and they said they would have a supervisor call me back. The supervisor called me back and told me they would not remove the three delinquent late reports from my credit score. I offered to pay the full past due balance as well as set up auto payments. They did confirm they can make my account to not show past due as well as set up auto payments but refused to remove the negative past due off my credit report. I advised of everything above as well as I am trying to purchase a house. My credit was XXXX and this has dropped my credit XXXX points. I have worked so hard to get my credit high and have no late payments. If I was aware that a payment was due I would have paid it right away and set up autopay. I spoke to XXXX at Mohela and she advised there is no one else I can speak to. She said her manager 's name was XXXX but she did not have a phone number and there was no way for me to speak with her. I have no problem paying what I owe and having auto payments going forward. I am now again on hold with Mohela which they said it is again a 2 hour and 55 minute wait.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Tx XXXX XXXX : XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX with Social Security Number XXXX, a resident of XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, Tx XXXX, submit this affidavit to request a security freeze on my credit report.

Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX Tx XXXX Security Freeze Request : I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : A copy of my drivers license or government-issued ID. 
A copy of a recent utility bill or bank statement confirming my current address. 
A copy of my Social Security Number. 
Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: AZ

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 explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
There are collection accounts listed on my report that I believe contain incorrect information. As per my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I am requesting a review of these entries, and if they can not be verified as accurate, they should be removed.

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 2025-04-15 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: EQUIFAX, INC.
State: MA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: NJ

Complaint narrative:
Ive been trying since XXXX to get off my credit report two fraudulent loans taken out with my SS thats not mine and cant get them closed even when I gave my correct information they didnt even have my birthday right or address the two loans one for {$1500.00} & {$870.00}

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 2025-04-15 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: FC HoldCo LLC
State: MD

Complaint narrative:
XXXX XXXX XXXX is currently under dispute for inaccurate reporting. While my dispute was marked Reinvestigation in Process, they quietly changed the reported balance to {$260.00} on XX/XX/year>. I never received any notification or explanation from XXXX XXXX XXXX. This appears to be a tacit admission the original balance was wrong. Please see my attached letter and proof of balance change on my credit report and an email alert I received from XXXX, which was how I got notified about the change.

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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
On my credit report it shows I have XXXX loan payments with affirm .. those account have been paid for .. reporting that I still owe them and its messing my credit up for no reason. I called them Im not even in the system anymore.. I have excellent payment history. I dont owe affirm anything, and when I confronted them on a recorded phone call they apologized and said they will even report it. They have not. And XXXX  reported it very wrong reporting it as a charge of late and to collection. If thats true I never received a consent form for them to sell my information by law thats illegal to sell my information to a charge off and collection company with out my consent!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: FL

Complaint narrative:
I am writing to express serious concerns about a recent situation involving my student loans serviced by Nelnet. Since the XXXX loan deferment period, I had been consistently making payments on my Parent PLUS loans, believing that I was current and in good standing. At no point did I receive any communication from Nelnetvia phone, physical mail, or emailindicating that another loan under my name had become delinquent. 

Instead, Nelnet sent email communications regarding the outstanding balance to my father. Upon receiving XXXX such message, he contacted Nelnet and referenced the account number provided in the email, but was informed that Nelnet had no record of that account number. This further contributed to our confusion and concern. 

On XX/XX/year>, while preparing to purchase a new vehicle for my growing family ( with a baby due in early XXXX ), I checked my credit report and was shocked to find that my credit score had plummeted from XXXX to XXXX since XXXX. Fearing identity theft, I ordered a full credit report, only to discover XXXX delinquencies reported by Nelnet totaling approximately {$39000.00}. 

When I called Nelnet for clarification, I was met with indifference. I was told to simply create an online account and begin paying the delinquent balance. When I inquired why I was never contacted directlyby phone, physical mail, or through my own email addressI was told, We sent an email ; we did our part. When I explained that these emails were not sent to me, the representative essentially shrugged it off. 

This situation has had a severe and immediate impact on my financial wellbeing and ability to support my family. I believe this lack of communication and refusal to take accountability is negligent and potentially unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: GA

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

Company response to consumer: Closed with explanation