vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-26 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-03-26 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:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: FISERV FINXACT CORE
State: NH

Complaint narrative:
They call for a debt. Won't tell me what debt. Which i have none. Asked my personal info they want my address my ssn. I won't give it. I looked this company up and apparently they collect for XXXX. I owe nothing to XXXX. Products are not sent til they are paid for. I told them cease and desist asked for their address they won't give it. I'm sick of these scammers

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 2025-03-26 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: MA

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 2025-03-26 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: VA

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 2025-03-26 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: TX

Complaint narrative:
I am filing this complaint against XXXX XXXX for inaccurately reporting a lease account ( # XXXX ) as unpaid or with a balance, even though it has been paid in full. I have received written confirmation from XXXX stating that the account is fully paid and that my payment history was reported to XXXX. ( See attached image for reference. ) Despite this, the account is still negatively impacting my credit report. This inaccurate reporting is misleading and unfairly affecting my creditworthiness. I am requesting that XXXX immediately update the account status with all credit reporting agencies to reflect that it is Paid in Full and remove any negative remarks associated with it. 

I have attempted to resolve this matter directly with XXXX, and I am now seeking assistance from the CFPB to ensure accurate and fair credit reporting. 

Thank you for your help in addressing this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: World Acceptance Corporation
State: GA

Complaint narrative:
This account has been charged off.or paid off on my consumer 's report.I have reachedt many times For XXXX company has not yet provided me with this form. And this Debt is keeps on acquiring interest even though it shows paid off on all my Consumer Reports.

I am going to Sue for statutory damages. Regarding this account This originally was at a one account and they turned it into 2 accounts. When I dispute it for having 2 different accurate informations they remove the original account. I wasn't aware about the second account, but they refuse to. Remove it the original removal of this account was in XXXX.Now they pushed back to XXXX.I am sorry for statutory damages for information. 
Information on my consumers report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
XXXX  suspended my account after a transaction they claim was due to insufficient funds. The transaction occurred on XX/XX/year>. While its possible the initial attempt didnt go through, the funds were later successfully debited from my bank account. 

I have provided XXXX  with : A letter from my bank confirming the transaction was successfully processed and not reversed The trace number verifying the ACH transfer went through A screenshot of the posted transaction from my online banking Despite this, XXXX  has continued to keep my account suspended and is asking for a full monthly bank statement, which is not yet available since the transaction occurred on XX/XX/XXXX. I have submitted all current documentation proving the funds were collected by XXXX, yet they refuse to escalate or resolve the issue. 

This situation has caused unnecessary disruption. Im requesting that XXXX  reinstate my account or provide a fair resolution based on the evidence already submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: GA

Complaint narrative:
I am contacting you to formally request the immediate blocking and permanent removal of a fraudulent account from my credit report under the Fair Credit Reporting Act ( FCRA ), Section 605B [ 15 U.S.C. 1681c-2 ]. Despite successfully disputing and blocking this fraudulent account in 2021, it has reappeared under a new collection agency, XXXX XXXX XXXX XXXX, attempting to collect on a personal loan originally from XXXX XXXX. This reappearance, along with the following account details, constitutes a violation of my rights under the FCRA :

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 2025-03-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Personal information incorrect
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX, I was shocked to discover a significant drop in my credit scorefrom XXXX to XXXX. Assuming there was fraudulent activity, I immediately filed a report with XXXX to investigate. The report revealed that Nelnet had posted 16 delinquent payments to my accountall on the same day. 

Confused, I contacted Nelnet and learned that they had taken over my student loans from Great Lakes. Under Great Lakes, I was enrolled in an income-driven deferment program due to unemployment, meaning I was not required to make payments. However, when Nelnet assumed control of my loans, they removed my deferment status without notifying me. Complicating matters further, I had originally three loans with Great Lakes, but Nelnet reorganized them into 16 separate accounts, drastically increasing the impact of their reporting. 

Since I had moved out of state, I never received any mail from Nelnet, leaving me completely unaware of the situation. I was also unable to set up an online account with them initially, as my address did not match what they had on file. After persistent efforts, I finally gained access to my Nelnet account and started receiving correspondence. 

Adding to my frustration, I discovered that Nelnet is currently facing multiple class-action lawsuits for similar issues. When I asked them for details about my loan transition, they could not provide any information about my original Great Lakes balances or interest rates. Since Great Lakes is no longer in service, I have no way of verifying my previous records. 

I have formally disputed the delinquent payments with XXXX, as I was never informed of them, yet Nelnet refuses to remove them. For 16 years, I maintained an excellent credit history, and this sudden, unjust drop in my score is now severely impacting my ability to demonstrate creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: GA

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2025-03-26 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: GA

Complaint narrative:
I am contacting you to formally request the immediate blocking and permanent removal of a fraudulent account from my credit report under the Fair Credit Reporting Act ( FCRA ), Section 605B [ 15 U.S.C. 1681c-2 ]. Despite successfully disputing and blocking this fraudulent account in 2021, it has reappeared under a new collection agency, XXXX XXXX XXXX XXXX, attempting to collect on a personal loan originally from XXXX XXXX. This reappearance, along with the following account details, constitutes a violation of my rights under the FCRA :

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 2025-03-26 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 am contacting you to formally request the immediate blocking and permanent removal of a fraudulent account from my credit report under the Fair Credit Reporting Act ( FCRA ), Section 605B [ 15 U.S.C. 1681c-2 ]. Despite successfully disputing and blocking this fraudulent account in 2021, it has reappeared under a new collection agency, XXXX XXXX XXXX XXXX, attempting to collect on a personal loan originally from XXXX XXXX. This reappearance, along with the following account details, constitutes a violation of my rights under the FCRA :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
Subject : Dispute of Debt Listed by Columbia Debt Recovery , LLC, DBA Genesis Dear CFPB, I am filing a formal dispute against Columbia Debt Recovery , LLC, doing business as Genesis ( Genesis Collection Agency ) for reporting a debt to my credit report that I believe is invalid and unjustified. 

From XXXX to XXXX, I was a resident at XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX. I terminated my lease and paid my move-out charges directly to the front office prior to vacating the property. The payment was made by check, though I no longer have access to the bank account records due to the account being closed. 

The apartment complex has since changed ownership and is now operating as Residences at XXXX XXXX. I believe this ownership transition may have led to lost or mismanaged records, resulting in the inaccurate claim that I still owe a balance. 

Several months to a year after moving out, I began receiving calls from Columbia Debt Recovery , LLC, DBA Genesis, claiming I owed over {$5000.00} to Residences at XXXX XXXX. I disputed the debt and requested validation. Their only response was a copy of the lease agreementno itemized billing, no move-out charges, and no proof of a remaining balance. I was told it was my responsibility to prove payment, despite the delay in contact and the fact that I personally met with the leasing XXXX and paid by check prior to my departure. 

This debt was never communicated to me by the property management before being assigned to a collection agency, and it is now negatively affecting my credit report. I believe this debt was sent to collections in error, without proper verification or due process.

I respectfully request that : A full investigation be conducted into this collection claim.

Columbia Debt Recovery, LLC, DBA Genesis provide verifiable documentation, including itemized charges and payment history, proving that a balance was due.

This collection item be removed from my credit report if they are unable to validate the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ). 

I am also submitting this dispute to the credit reporting agencies and directly to Columbia Debt Recovery , LLC, DBA Genesis.

Sincerely, XXXX XXXX XXXX Re : COLUMBIA DEBT RECOVERY LLC DBA GENESIS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX TOLL FREE : ( XXXX ) XXXX XXXX XXXX TO XXXX XXXX  SEND WRITTEN DISPUTES TO : XXXX XXXX XXXX XXXX, WA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: UPGRADE, INC.
State: CA

Complaint narrative:
I currently have multiple loan and credit line accounts through Upgrade. I lost my home in the XXXX fire in XXXX and, since I worked remotely, I also lost my business. I called Upgrade early in XX/XX/2025 to explain my situation and was told the only option available was a hardship program that reduced my monthly payments by 30 % for a limited time. I accepted this program for all accounts. 

XXXX weeks later, Upgrade contacted me because one of my accounts was marked past due. During that call, a representative informed me that Upgrade has a FEMA assistance program that defers payments for XXXX months. They placed one of my accounts into this FEMA program. I thought this would place all my accounts in the program. I was wrong, it was only one account.

However, this FEMA program was never offered to me initially when I calleddespite me clearly explaining that I lost my home and business due to a natural disaster. When I asked to have my other accounts placed into the FEMA program, I was told that because they were already in the hardship program, they could no longer be moved.

This feels incredibly unfair. I was never told the FEMA program even existed. Had I been made aware, I would have requested that option for all of my accounts. Now Im being penalized for following the instructions I was given and accepting the only solution that was offered to me at the time. There has been a clear breakdown in communication, and Im being treated inconsistently across my accounts. I am simply asking for the same FEMA assistance to be applied across all accounts, as it should have been from the beginning.

Company response to consumer: Closed with explanation