vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 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: CA

Complaint narrative:
I am filing this complaint due to the continued and unlawful reporting of inaccurate, incomplete, and unverifiable information on my consumer credit report by Experian. 
Despite multiple prior disputes and the submission of verified documentationincluding an FTC Identity Theft Reportthis company has failed to conduct a lawful reinvestigation or correct/remove the disputed items in violation of federal law. Violations Involved : - FCRA 1681i failure to properly investigate disputed information within 30 days. - FCRA 1681s- 2 ( a ) continued reporting of information known or reasonably known to be inaccurate. - Regulation V ( 12 CFR 1022.43 ) failure by furnisher to comply with direct dispute obligations. This behavior is nearly identical to the misconduct referenced in prior CFPB complaints such as : - CFPB Complaint # XXXX resulted in non-monetary relief and correction of identity theft-related errors. - CFPB Complaint # XXXX resulted in successful removal of unverifiable accounts data following a formal dispute. Consumer Harm and Requested Relief : As a direct result of this companys ongoing violations, I have suffered : - Inaccurate credit reporting affecting creditworthiness and financial opportunities. 
- Emotional distress and unnecessary time and effort to correct this issue. - Denials or unfavorable terms for financial products due to incorrect reporting. 
XXXXXXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: NM

Complaint narrative:
I have student loans currently serviced by Nelnet. I believe Nelnet has mishandled my repayment plan, leading to inaccurate interest accrual, delayed processing of IDR applications, and/or incorrect reporting to credit bureaus. Additionally, I was notified that my personal data may have been exposed in the XXXX  Nelnet data breach, which puts me at risk of identity theft and credit harm. I request that Nelnet be held accountable and that this issue be investigated under the Fair Credit Reporting Act and any relevant regulations. 

Please let me know what documentation you need to proceed. I can provide loan statements, emails, and credit report data to support this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to request the immediate removal of a bankruptcy entry from my credit report under 15 USC 1681c.

The bankruptcy in question is [ provide specific details such as case number or filing date ]. Please be advised that bankruptcy courts do not report information directly to credit bureaus. Therefore, this bankruptcy entry is inaccurately reflected on my credit report and needs to be removed. 
Please update my credit report to reflect this correction and provide me with written confirmation once the removal has been processed. 
Thank you for your prompt attention to this matter. If you require any additional information, please contact me at the address or phone number provided above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I paid off XXXX student loans as part of a settlement agreement with Navient. The collection agency XXXX XXXX collected the {$2000.00} in XX/XX/year> and the account was settled and closed. 
However, Navient kept reporting both accounts as delinquent and my XXXX XXXX took a hit today of XXXX, preventing me from accessing credit lines. 
Navient only applied the payment towards the original loan, not as a paid in full per the settlement. See attached settlement and proof of payoff

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to report suspected identity theft. I recently discovered unusual activity on my XXXX  and XXXX credit reports, including multiple credit inquiries that I did not authorize ( XXXX XXXX ( XXXX ) XXXX XXXX, 2025 XXXX ( Hotel and travel ) XXXX XXXX 2025 XXXX XXXX ( XXXX  ) XXXX XXXX, 2025 XXXX XXXX ( XXXX  ) XXXX XXXX, 2025 ). Additionally, I noticed that my XXXX XXXX  account was closed, and there are restricted credit cards listed under my name that I never applied for. 

Furthermore, I found an address listed on my credit report that is not associated with me ( XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ME XXXX ) in any way. I have never lived at or had any connection to that address, which further supports my concern that my identity may have been compromised.

These findings are alarming, and I believe someone may be using my personal information fraudulently. I request that this matter be investigated and that steps be taken to secure my credit and personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to report suspected identity theft. I recently discovered unusual activity on my TransUnion and Equifax credit reports, including multiple credit inquiries that I did not authorize ( 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 ) XX/XX/year> ). Additionally, I noticed that my XXXX XXXX account was closed, and there are restricted credit cards listed under my name that I never applied for. 

Furthermore, I found an address listed on my credit report that is not associated with me ( XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) in any way. I have never lived at or had any connection to that address, which further supports my concern that my identity may have been compromised. 

These findings are alarming, and I believe someone may be using my personal information fraudulently. I request that this matter be investigated and that steps be taken to secure my credit and personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: CA

Complaint narrative:
Good day! Upon reviewing my latest update, I've noticed that numerous fraudulent items have been successfully removed, for which I'm sincerely grateful. However, I would like to kindly request once more for Experian Credit Bureau to remove the remaining fraudulent entries from my credit report. Below, I've listed the remaining fraudulent items that I would appreciate being addressed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Good day! Upon reviewing my latest update, I've noticed that numerous fraudulent items have been successfully removed, for which I'm sincerely grateful. However, I would like to kindly request once more for Experian Credit Bureau to remove the remaining fraudulent entries from my credit report. Below, I've listed the remaining fraudulent items that I would appreciate being addressed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: PREFERRED CREDIT INC
State: IA

Complaint narrative:
I am writing to formally dispute the validity of the above-referenced account that you are attempting to collect or report. According to the Fair Credit Reporting Act ( FCRA ) and federal case law, any entity that furnishes information to a credit bureau or attempts to collect a debt must have clear, documented legal authority to do so. 



You are hereby requested to provide the following within 30 days : 1. A complete chain of assignment from the original creditor to your company.

2. Proof of ownership or legal right to collect on this debt.

3. All contracts, bills of sale, or transfer agreements proving the assignment of this account to you.

Under 15 U.S.C. 1681s-2 ( a ), you are prohibited from reporting inaccurate or unverifiable information to any credit bureau . Furthermore, if you continue to report or collect on a debt without legal assignment, you are in direct violation of 15 U.S.C. 1681s-2 ( b ), which requires furnishers to conduct a thorough and reasonable investigation upon receiving notice of a dispute. 



This requirement is supported by federal case law : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) Credit furnishers must investigate and verify all disputed information, especially legal ownership. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) Emphasizes the importance of fully investigating disputed accounts. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX ) Courts have ruled that lack of valid assignment documentation renders a debt inaccurate for reporting purposes. 



If you are unable to produce these documents, I demand that you : Cease all collection efforts, Delete any tradeline you have furnished to credit bureaus, and Confirm in writing that you have closed the account. 



Please be advised that failure to comply may result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office.

This letter serves as both a formal dispute and a request for validation of debt under the FCRA and FDCPA ( 15 U.S.C. 1692g ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: NJ

Complaint narrative:
I am filing this complaint due to the continued and unlawful reporting of inaccurate, incomplete, and unverifiable information on my consumer credit report by Equifax. Despite multiple prior disputes and the submission of verified documentationincluding an FTC Identity Theft Report, this company has failed to conduct a lawful reinvestigation or correct/remove the disputed item in violation of federal law.

Violations Involved : - FCRA 1681i failure to properly investigate disputed information within 30 days.

- FCRA 1681s-2 ( a ) continued reporting of information known or reasonably known to be inaccurate.

- Regulation V ( 12 CFR 1022.43 ) failure by furnisher to comply with direct dispute obligations.

This behavior is nearly identical to the misconduct referenced in prior CFPB complaints such as : - CFPB Complaint # XXXX resulted in non-monetary relief and correction of identity theft-related errors.

- CFPB Complaint # XXXX resulted in successful removal of unverifiable account data following a formal dispute.

Consumer Harm and Requested Relief : As a direct result of this companys ongoing violations, I have suffered : - Inaccurate credit reporting affecting creditworthiness and financial opportunities.

- Emotional distress and unnecessary time and effort to correct this issue.

- Denials or unfavorable terms for financial products due to incorrect reporting. 


XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian is refusing to comply with CFPB Regulation V. 

Experian was notified on XXXX XXXX 2025 that the following account : XXXX XXXX XXXX Account # : XXXX Bal : {$910.00} Was a medical bill and is violating CFPB Regulation V and MUST be removed from my consumer report immediately. 

Thank You XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc.
State: NY

Complaint narrative:
I just recently found a derogatory remark on my credit report by THE CBE GROUP INC. I have never heard of or from them. No calls or letters. This debt that is listed is not mine nor was verified to be mine, which somehow was sent and reported as a derogatory remark under my name as an open account. I have no idea what this account is or who they are, nor have never had any communications regarding this account. After googling I observed that they are collection agency. I have had no recent defaulted accounts or was made aware of any. All accounts that I claim are currently open and active.

The amount on the remark is for {$1000.00}, and THE CBE GROUP INC are listed as the original creditor with the account listed as open. If they are a collection agency how are they a creditor? Again, I have had no recent accounts that were sent to collects with that amount or had any balances around that. This was reported to have been opened XX/XX/XXXX and reported most recently XX/XX/XXXX. 

I do not wish to call them because it will enable them to scam me further or take advantage. I will be disputing the account with XXXX XXXX once able to, but I do not feel comfortable calling this collector as they fraudulently used my information for a fraudulent collection attempt. I believe this is an attempted for them to have me contact them to somehow validate the account or pay towards it. Sadly, some people may fall for it. My personal information has been misused in efforts to scam me. Again, I have had not one form of contact from this collection agency before reporting. I believe this to be a scam or fraudulent activity because they have not attempted to contact or do not have all of my information to do so. Nor have I ever heard from who/where that amount originally stemmed from.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: WA

Complaint narrative:
So between the dates of XX/XX/XXXX threw to present of year XXXX I was locked out of my chime account I tried calling to get access to my account but had no luck XXXX XXXX and XXXX XXXX I had multiple transactions from my checking account to XXXX people without my permission. Totalling in $ XXXX am I able to do to get my money back asap

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CT

Complaint narrative:
On XX/XX/XXXX my account was hacked into and my XXXX dollars was stolen from my cash app account I didnt notice until XX/XX/XXXX when I tried to log in so I contacted cash app XXXX  days later on XX/XX/XXXX to fix it then gave me the run around for days until I called again on XX/XX/XXXX they said if it wasn't me who did it I would get my money back but as of XX/XX/XXXX at XXXX XXXX  I was denied because they think I gave the money away but the lady on the phone admitted and said it was someone in XXXX  that took my money from a different phone number then mine so yea they are not takeing this seriously and dont wan na pay me back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Deficiency balance after repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
I was not able to pay for the car, I communicated throughly with the creditors about my situation. To avoid further issues I voluntarily gave the car up. The company Credit Acceptance is now trying to sue me for the remaining balance of XXXX. I have been without work for months and can not afford this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This letter serves as a formal dispute of inaccurate and unverifiable items appearing on my Experian, equifax and transunion credit report dated XX/XX/XXXX. Pursuant to 15 U.S.C. 1681i ( a ) and 1681s-2 ( b ), you are obligated to investigate and correct or delete all erroneous or incomplete items within 30 days. 

Disputed Accounts & Legal Grounds XXXX XXXX Account # XXXX Reported as charged-off with 15 derogatory months Balance and history inconsistent across all three bureaus Violations : 1681s-2 ( a ) ( 1 ) ( A ), 1681e ( b ) Case Law : XXXX XXXX XXXXXXXX Creditors Association XXXX Account XXXX XXXX Charged-off, no collection agency listed Not consistently marked as disputed Violations : 1681g ( a ) ( 1 ), 1681s-2 ( a ) ( 3 ) Case Law : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Dispute status varies across CRAs Inconsistent balance and activity history Violations : 1681s-2 ( a ) ( 3 ), 1681e ( b ) Case Law : XXXX XXXX Trans Union XXXX XXXX  Account # XXXX Status shows Closed yet balance still reporting Violation : 1681s-2 ( b ) Case Law : XXXX XXXX Experian XXXX XXXX XXXX Account # XXXX Excessive late history reported without default/repossession Violation : 1681e ( b ) Case Law : XXXX XXXX XXXX, XXXX XXXX XXXX Account # XXXX No payment history listed; account closed years ago Violation : 1681e ( b ) Case Law : XXXX XXXX Trans Union XXXXXXXX XXXX Inquiry Dated XX/XX/XXXX No corresponding account established XXXX lack a permissible purpose Violation : 1681b ( f ) Case Law : XXXX XXXX XXXX, XXXX My Demands : Conduct a complete reinvestigation of the above items. 

Delete or correct all items that can not be verified. 

Provide a detailed method of verification under 1681i ( a ) ( 6 ) ( B ) ( i ).

Send me an updated copy of my credit report upon completion.

Failure to comply may result in escalation to the CFPB, FTC, and legal arbitration under relevant federal statutes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This letter serves as a formal dispute of inaccurate and unverifiable items appearing on my Experian, equifax and transunion credit report dated XX/XX/XXXX. Pursuant to 15 U.S.C. 1681i ( a ) and 1681s-2 ( b ), you are obligated to investigate and correct or delete all erroneous or incomplete items within 30 days. 

Disputed Accounts & Legal Grounds XXXX XXXX Account # XXXX Reported as charged-off with 15 derogatory months Balance and history inconsistent across all three bureaus Violations : 1681s-2 ( a ) ( 1 ) ( A ), 1681e ( b ) Case Law : XXXX XXXX XXXXXXXX Creditors Association XXXX Account XXXX XXXX Charged-off, no collection agency listed Not consistently marked as disputed Violations : 1681g ( a ) ( 1 ), 1681s-2 ( a ) ( 3 ) Case Law : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Dispute status varies across CRAs Inconsistent balance and activity history Violations : 1681s-2 ( a ) ( 3 ), 1681e ( b ) Case Law : XXXX XXXX Trans Union XXXX XXXX  Account # XXXX Status shows Closed yet balance still reporting Violation : 1681s-2 ( b ) Case Law : XXXX XXXX Experian XXXX XXXX XXXX Account # XXXX Excessive late history reported without default/repossession Violation : 1681e ( b ) Case Law : XXXX XXXX XXXX, XXXX XXXX XXXX Account # XXXX No payment history listed; account closed years ago Violation : 1681e ( b ) Case Law : XXXX XXXX Trans Union XXXXXXXX XXXX Inquiry Dated XX/XX/XXXX No corresponding account established XXXX lack a permissible purpose Violation : 1681b ( f ) Case Law : XXXX XXXX XXXX, XXXX My Demands : Conduct a complete reinvestigation of the above items. 

Delete or correct all items that can not be verified. 

Provide a detailed method of verification under 1681i ( a ) ( 6 ) ( B ) ( i ).

Send me an updated copy of my credit report upon completion.

Failure to comply may result in escalation to the CFPB, FTC, and legal arbitration under relevant federal statutes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief