vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: OH

Complaint narrative:
It is my understanding that XXXX XXXX has violated my privacy by accessing my personal data via the Department of Education. This intrusion has not been authorized by myself or any representative on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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 am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including loansIappliedfor. 

Incorrect Name XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Incorrect Address XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX Charge Off XXXX XXXX  XXXX {$0.00} Date Open : XX/XX/XXXX XXXX XXXX XXXX {$0.00} Date Open : XX/XX/XXXX XXXX XXXX I XXXX {$11000.00} Date Open : XX/XX/XXXX XXXX XXXX XXXX {$25000.00} Date Open : XX/XX/XXXX XXXX  XXXX  XXXX {$630.00} Date Open : XX/XX/XXXX XXXX XXXX XXXX XXXX {$2600.00} Date Open : XX/XX/XXXX XXXX  XXXX {$930.00} Date Open : XX/XX/XXXX Collection XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX {$2400.00} Date Open : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX {$150.00} Date Open : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX {$160.00} Date Open : XX/XX/XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX {$220.00} Date Open : XX/XX/XXXX XXXX, XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX {$680.00} Date Open : XX/XX/XXXX XXXX XXXX XXXX XXXX {$740.00} Date Open : XX/XX/XXXX XXXX XXXX XXXX XXXX {$1000.00} Date Open : XX/XX/XXXX XXXX XXXX XXXX {$2000.00} XXXX Open : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$11000.00} Date Open : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$180.00} Date Open : XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including loansIappliedfor. 

Incorrect Name XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Incorrect Address XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX Charge Off XXXX XXXX  XXXX {$0.00} Date Open : XX/XX/XXXX XXXX XXXX XXXX {$0.00} Date Open : XX/XX/XXXX XXXX XXXX I XXXX {$11000.00} Date Open : XX/XX/XXXX XXXX XXXX XXXX {$25000.00} Date Open : XX/XX/XXXX XXXX  XXXX  XXXX {$630.00} Date Open : XX/XX/XXXX XXXX XXXX XXXX XXXX {$2600.00} Date Open : XX/XX/XXXX XXXX  XXXX {$930.00} Date Open : XX/XX/XXXX Collection XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX {$2400.00} Date Open : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX {$150.00} Date Open : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX {$160.00} Date Open : XX/XX/XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX {$220.00} Date Open : XX/XX/XXXX XXXX, XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX {$680.00} Date Open : XX/XX/XXXX XXXX XXXX XXXX XXXX {$740.00} Date Open : XX/XX/XXXX XXXX XXXX XXXX XXXX {$1000.00} Date Open : XX/XX/XXXX XXXX XXXX XXXX {$2000.00} XXXX Open : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$11000.00} Date Open : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$180.00} Date Open : XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2025-03-18 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: MD

Complaint narrative:
RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

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 2025-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
According to 15 U.S. Code 1692c, part of the FDCPA, regulates communication in connection with debt collection, prohibiting debt collectors from contacting consumers at inconvenient times or places, or communicating with third parties without consent. I do not consent to this debt collector communicating with any third parties, including credit bureaus, as this account was fraudulently opened. 

Please use the following information to investigate my claim : XXXX XXXX Account Number : XXXX Date opened : XX/XX/2021 I understand that you have 30 days to respond and 90 days to either resolve my dispute or inform me in writing of why the bill is correct. Until then, I will pay any amount due except for the amount in question and await your letter explaining all actions taken concerning this dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: GA

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 2025-03-18 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: GA

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 2025-03-18 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: MD

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: CA

Complaint narrative:
I am beyond frustrated with Experians failure to properly investigate and resolve the inaccurate charge-offs on my credit report. Despite their repeated so-called investigations, these errors remain, causing me ongoing financial harm. This level of negligence is completely unacceptable. I have done everything required on my end, yet Experian continues to report false information without legitimate verification. 

The accounts in question are : Company Name : XXXX - Account # : XXXX - Balance : {$680.00} Company Name : XXXX - Account # : XXXX - Balance : {$1900.00} Experian is legally required under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy of reported information, yet they have failed to provide concrete proof that these accounts belong to me. If they can not produce original agreements, signed contracts, or verifiable documentation, these accounts must be removed immediately. I refuse to accept further delays, generic responses, or excuses. This matter must be resolved now, as Experians ongoing failure to act is a blatant violation of my

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 2025-03-18 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: TX

Complaint narrative:
I am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including loansIappliedfor. 

Incorrect Name XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Incorrect Address XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX Charge Off XXXX XXXX  XXXX {$0.00} Date Open : XX/XX/XXXX XXXX XXXX XXXX {$0.00} Date Open : XX/XX/XXXX XXXX XXXX I XXXX {$11000.00} Date Open : XX/XX/XXXX XXXX XXXX XXXX {$25000.00} Date Open : XX/XX/XXXX XXXX  XXXX  XXXX {$630.00} Date Open : XX/XX/XXXX XXXX XXXX XXXX XXXX {$2600.00} Date Open : XX/XX/XXXX XXXX  XXXX {$930.00} Date Open : XX/XX/XXXX Collection XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX {$2400.00} Date Open : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX {$150.00} Date Open : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX {$160.00} Date Open : XX/XX/XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX {$220.00} Date Open : XX/XX/XXXX XXXX, XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX {$680.00} Date Open : XX/XX/XXXX XXXX XXXX XXXX XXXX {$740.00} Date Open : XX/XX/XXXX XXXX XXXX XXXX XXXX {$1000.00} Date Open : XX/XX/XXXX XXXX XXXX XXXX {$2000.00} XXXX Open : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$11000.00} Date Open : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$180.00} Date Open : XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2025-03-18 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 submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
Midland credit management is trying to sue me for a debt they purchased from a credit card company called XXXX XXXX for a charge off. I never applied for a credit card with XXXX  XXXX. I never received a credit card from XXXX  XXXX. I never made a purchase with a credit card from XXXX  XXXX because I never applied for one or received one. I never received a billing statement from XXXX  XXXX ever. The address listed on the statements they provided me. I only lived at for a small amount of time. This credit card does not belong to me and the debt does not belong to me. I talked with a representative from XXXX law firm representing Midland via a mediation. I informed him of all of the above. And a letter previously sent on XX/XX/XXXX of this year I asked the law firm to provide me with the purchase agreement or application that has my signature. They can not provide this because I never applied for this credit card and they failed to provide this when asked for it. The lawyer says they dont have to provide me with my signature from an application. This is against the law. I made a dispute with experian and they are investigating this also. The law firm representing midland wants to take me to small claims court and is suing me for something that doesnt belong to me as I told them.

Company response to consumer: Closed with non-monetary relief