vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I am a victim of identity theft, and I have been disputing an account reported by Nelnet for several years. I did not authorize, open, or benefit from the student loan account associated with Nelnet. Despite providing a full Equifax identity theft dispute, a police report, and documentation under FCRA XXXX, this account has remained on my credit report and has severely damaged my creditworthiness. 

In XXXX, Nelnet issued a XXXX form reporting cancellation of debt in the amount of {$200000.00} for a student loan ( Account ending in XXXX ). I never took out this loan and never benefited from any student aid. I have attempted to resolve this through Equifax and directly with Nelnet multiple times, including submitting the necessary documentation listed below : Identity Theft Police Report FTC ID Theft Affidavit Detailed dispute letters to Equifax and Nelnet Full XXXX  Credit Report highlighting disputed items Form 1099-C issued by Nelnet My personal information was used fraudulently, and I have done everything legally required to have this erroneous account removed from my report. However, Nelnet continues to report this debt and has not conducted a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ). I am requesting that the CFPB investigate this matter and require Nelnet to : Cease and desist from reporting this account.

Remove the account from all credit bureaus.

Provide a full written acknowledgment that the account was fraudulent.

The continued reporting of this account is causing me significant financial and emotional harm, including denial of housing, credit, and employment opportunities. I respectfully request your immediate assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Trransunion, Experian and Equifax reported negative items on my credit report below is an attachment

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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
The ( CFPB ) did do a investigation into pass complaints I am being victimized and my credit score is being targeted by a group, someone, or a entity... Whenever my credit score gets close to establishing good credit A group, someone, or a entity is filing and submitting fraudulent information. When I prove that the account is not mine the credit bureau does not fix my credit. my credit score has dropped over 80 points within the last 6 months due to error

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: American Credit Acceptance, LLC
State: GA

Complaint narrative:
The ( CFPB ) did do a investigation into pass complaints I am being victimized and my credit score is being targeted by a group, someone, or a entity... Whenever my credit score gets close to establishing good credit A group, someone, or a entity is filing and submitting fraudulent information. When I prove that the account is not mine the credit bureau does not fix my credit. my credit score has dropped over 80 points within the last 6 months due to error

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Recived a later by an unknown individual waiting for me outside my house threatening me that Im being sued for the old collection

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: VA

Complaint narrative:
In XX/XX/year>, I pulled my credit report and noticed inaccurate and incomplete items. According to the Fair Credit Reporting Act ( FCRA ), 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. The following accounts are not accurate : XXXX XXXX XXXX...... Account # : XXXX XXXX. Closed Date ( XXXX XXXX Compliance XXXX ) is blank. 
XXXX. Payment Amount ( XXXX XXXX Compliance XXXX ) is blank 3. Credit Limit ( XXXX XXXX XXXX XXXX ) is blank XXXX. Last XXXX ( XXXX XXXX Compliance XXXX ) is blank XXXX. XXXX XXXX XXXX ( XXXX XXXX Compliance XXXX ) is blank XXXX. Payment Frequency ( XXXX XXXX Compliance XXXX ) is blank But in more violation of XXXX XXXX. XXXX, I have not signed a modification, deferment, nor have I entered into any agreement extending the terms of the loan. The agreed upon term is 60 months, however, the months reviewed is " 79 '' months. Again, this is an extreme violation of 15 U.S.C. 1681i, as this company is fraudulent making it appear that I have agreed to any extension of the terms of the contract.

Additionally, pursuant to 26 USC 61 ( a ) ( 11 ), gross income includes income from discharge of indebtedness ; If creditor has filed 1099c with IRS, please verify or remove; under 12USC5562 ( c ) ; and did this creditor claim this as a loss, under business tax laws? Pursuant 18 US Code 8, I owe no debt. This company is violating my consumer right to privacy, pursuant to 15 USC 1681b.2 and I am requesting a full investigation, and this account be deleted from any credit bureau XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: KY

Complaint narrative:
In XX/XX/XXXX, I submitted a dispute to Experian regarding a Comenity/Overstock account that does not belong to me. I also submitted a valid federal identity theft report to support my dispute under the Fair Credit Reporting Act ( FCRA 605B ). Despite this, Experian did not block or remove the account from my credit report. Instead, they updated the item but left the charge-off status and tradeline in place. 

The account was opened fraudulently in XXXX and charged off in XXXX. I never opened or authorized this account. Experians failure to block this item within XXXX business days, as required by law, is harming my credit and may violate both the FCRA and the Consumer Financial Protection Act.

I am requesting that this account be immediately removed from my credit report in compliance with FCRA 605B.

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 2025-08-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Affirm Holdings, Inc
State: LA

Complaint narrative:
I have a credit account with Affirm and I have tried to close the account multiple times and the customer service representative can not even find a reason why the company will not close my account. I have not used the account in over XXXX months and the account has been paid off for over XXXX months but they refuse to close it or even contact me and respond to my inquiries. I feel like they refuse to close it or even respond to my inquiries as to why they wont so they can force me to try to use it. Its very disreputable and its violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: NJ

Complaint narrative:
In XXXX I was contacted by Amsher Collection Services regarding an alleged debt. I did not recognize the debt and had not received prior notice about it. On XXXX I sent the letter, I sent a written request to Amsher requesting debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Despite my request, the company has not responded continued collection efforts reported the debt to credit bureaus. They have not provided sufficient documentation verifying the debt, including the name of the original creditor, the amount owed, or a copy of any signed agreement. 

I am concerned that Amsher Collection Services is engaging in collection activities without proper verification and may be in violation of federal and XXXX XXXX state debt collection laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX Caine & Weiner XXXX XXXX XXXX, XXXX Floor XXXX XXXX XXXX CA XXXX RE : CEASE AND DESIST & FORMAL REQUEST FOR VALIDATION OF DEBT Account Number : XXXX Balance Reported : {$230.00} To Whom It May Concern : This letter is a formal dispute of the alleged debt listed above and a demand for immediate cessation of all communication. I am asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) and 1692c ( c ).

Cease and Desist Demand I am formally instructing Caine & Weiner to cease all communication with me regarding this alleged debt. You are to immediately stop all calls, emails, mailings, or other forms of contact. If you intend to take any legal action, you are allowed to notify me once. Any further communication will be considered a violation of federal law.

Debt Validation Demand Under 15 U.S.C. 1692g, I am demanding complete and lawful validation of the alleged debt. Provide the following documentation : A copy of the original signed contract or agreement bearing my signature.

A full itemized accounting of the {$230.00} balance, including all charges, interest, and payments.

A complete account flow sheet from inception to present.

Proof of legal assignment or ownership, including the chain of title from the original creditor to your agency.

A copy of your license to collect debt in the State of Arizona.

The name and credentials of the person who verified this debt for the purpose of credit reporting.

Be advised : A billing statement or invoice is NOT sufficient for legal validation. If you can not provide the above, you are required to immediately remove this account from all credit reporting agencies.

Legal Notice Failure to comply will result in : A formal complaint to the Consumer Financial Protection Bureau ( CFPB ) A report filed with the Federal Trade Commission ( FTC ) Notification to the Arizona Attorney Generals Office A potential civil lawsuit for statutory damages under the FDCPA and FCRA You have 30 days from the receipt of this letter to respond with full validation or delete the account entirely. 
Govern yourselves accordingly. 

Sincerely, XXXX XXXX XXXX : XXXX DOB : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Titanium Funds
State: NV

Complaint narrative:
I got a vehicle from XXXX XXXX XXXX back in XXXX I was told at the time of purchase the used vehicle was around {$13000.00} XXXX XXXX XXXX  now they are trying to say it was {$32000.00} dollar vehicle and when I got the vehicle titanium funds told me that they dont report to the credit bureau and now they raise the amount on my credit XXXX dollars I took the vehicle to a repair shop and it was towed I havent had the vehicle for almost 3 years

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
i need to verify that transunion, experian and equifax all have my new number listed which is XXXX and that they remove my old number which was XXXX also we need to have an active fraud alert and all three credit files i need verification of this. i also need to have questions for all three credit beauras regauding secuitry and or credit freezes.

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 2025-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: MN

Complaint narrative:
Got a text from someone pretending to be Chime on XX/XX/year> saying there was an unauthorized charge on my account. Got a call after answering no to it. I was groggy and still waking up while they walked me through the process of freezing my cards on the app and then sending money to " dispute charges ''. I made the mistake of following through since I wasn't thinking straight after just waking up. Filed a dispute through Chime and within 2 days they declined my dispute. Putting this report in now so hopefully something will happen with it. I lost XXXX during this whole ordeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX TRANSUNION XXXX XXXX  XXXX, XXXX, PA XXXX Subject : Formal Dispute of Unauthorized Hard Inquiry under FCRA 604 [ 15 U.S.C. 1681b ] To Whom It May Concern, I am writing to formally dispute an unauthorized hard inquiry that appears on my credit report. I reviewed my credit file and noticed some hard inquiries by XXXX  on [ XX/XX/XXXX ] XXXX  on XX/XX/XXXX XXXX  XXXX XX/XX/XXXX That I did not initiate or authorize.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b, a hard inquiry may only be made with a consumers authorization or for other legally permissible purposes. I did not apply for credit or authorize this company to access my credit report on that date.

I request that you investigate this inquiry and, if it is found to be unauthorized, remove it from my credit file immediately. Please provide documentation of the authorization if one exists.

Attached are a copy of my government-issued ID and a recent utility bill for identity verification.

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-08-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: WA

Complaint narrative:
I completed an IDR application through students.gov in XX/XX/XXXX. This was sent to my loan servicer, Mohela. It has been in review since then. In XX/XX/XXXX I created a new application, it too has been sent to Mohela for processing. Interest started again on XX/XX/XXXX. I want to begin payments so I can complete my PSLF. I only have XXXX payments left. The loan servicer had no record of my application and sent me a letter stating my application from XX/XX/XXXX was processed and my payments would begin, however the payments in Mohelas letter said they were are lower than what the latest information on studentaid.gov by over {$200.00}. I called and they have no record of that letter and that application says its closed on studentaid.gov and that my new application from XX/XX/XXXX is in review. My payments according to studentaid.gov have doubled. Which I think is horrible! And will be a hardship. But I only have XXXX left before XXXX. yet I have no way to know when they begin or what is happening with my loan. I need help with getting this mess straightened out. Thank you.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Credit and Collections Inc.
State: GA

Complaint narrative:
I prepaid for lessons for acting and only took classes that I paid for. I discovered I have XXXX and contacted the XXXX XXXX company to ask them to allow me to complete XXXX XXXX before I resumed classes. This was done via two phone calls with their representatives, more than several emails and several texts. NO ONE got back to me! They then sent my account to United Credit and Collections, XXXX, in XXXX XXXX, Missouri. I received an email from XXXX XXXX that the amount was incorrect and told they would contact XXXX. That was on XX/XX/year>. XXXX decided they would write off the incorrect amount very recently, instead of removing the stain from my credit report. They had over a month to do the right thing, but chose to harm me causing my credit score to plummet XXXX points!!! I have NEVER missed any payments, but this devastated my score! I will include the email from XXXX XXXX, if I can. 
I have kept copies of every single correspondence from both of these entities. 
I want this insulting and apparently illegal action to be erased and action taken by you against XXXX. It looks as though I will have to pursue legal actions against both of them as they seem to think its fine to do as they like with my credit score!

I have zero negative marks on my credit at all except for these two individual companies!

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 2025-08-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted a complaint to the credit bureaus over a month ago, yet the incorrect information on my report remains unchanged. I have not received any updates from the bureaus, aside from your notification indicating that the company has addressed my complaint. How can I be assured that they have thoroughly investigated the inaccuracies? What verification methods were utilized to assess the accounts? This situation is extremely frustrating. More than 30 days have passed since my complaint, and the disputed accounts are still not updated. If this persists, I will be compelled to pursue legal action due to the significant stress it has caused me. Additionally, I am worried about the security of my personal information, especially in light of the data breach involving XXXX, Experian, and TransUnion.

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 2025-08-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I wanted to reach out to let you know that I've recently experienced a data breach that has put my personal information at risk. This situation has raised serious concerns for me about the safety of my sensitive data. As a result of the breach, fraudulent accounts and debts have been opened in my name. I would be grateful if you could take this into account when reviewing my credit report and take the necessary steps to address any inaccuracies or fraudulent activities.

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 2025-08-02 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: CT

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I opened a account with chase XX/XX/XXXX and XX/XX/XXXX i received an alert that they were pausing my account for security reasons, I called and they said I was not allowed to bank with them I then went to the branch XX/XX/XXXX and they verified this, they did not tell me why. I had no activity in my account yet this is concerning and wrong.

Company response to consumer: Closed with explanation