vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-10 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-03-10 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Bankruptcy
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I recently received a 1099-C Cancellation of Debt form from Nelnet Services Inc. , which legally confirms that my student loan debt has been fully discharged. Despite this, Nelnet continues to report a balance on my credit report, which is not only blatantly inaccurate but also a direct violation of multiple federal laws protecting consumers from false credit reporting and financial harm. 

Furthermore, I filed for XXXX  XXXX bankruptcy on XX/XX/XXXX, and this debt was legally XXXX under XXXX XXXX. Yet, Nelnet persists in reporting this loan, which is a serious and unlawful misrepresentation of my financial obligations. 

Let me be crystal clear : Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681s-2 ), Nelnet is required to ensure that all reported information is accurate, complete, and up to date. Reporting a balance on a discharged loan is a blatant violation of this law. 

Under the XXXX XXXX XXXX ( XXXX ) ( 20 U.S.C. 1087e ( a ) ( 1 ) ), a discharged federal student loan must be treated as paid in full for credit reporting purposes. Nelnets failure to comply is a direct violation of federal regulations.

Under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692e ), this false reporting may constitute an unfair and deceptive practice if used to mislead, coerce, or pressure me into making payments on a debt that legally no longer exists. 

This erroneous and unlawful reporting is severely damaging my credit, limiting my financial opportunities, and causing undue hardship. Nelnets reckless noncompliance is unacceptable, and I demand immediate corrective action. 

YOU ARE HEREBY FORMALLY NOTIFIED : I expect confirmation of corrective action within 10 days of this notice. Any further delay or refusal to comply will be seen as intentional misconduct, and I will pursue all legal remedies available. 

This is your final opportunity to resolve this matter before further legal consequences ensue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: NM

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( 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 explanation
Consumer complaint received 2025-03-10 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: NM

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( 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 non-monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc.
State: GA

Complaint narrative:
It doesnt show an amount anymore but I thought there was a law passed where medical debt have to be removed and this company still has this on my report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> -- {$480.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
Recently denied credit from Synchrony Bank / Harbor Freight credit for the basis of " un satisfactory payment history with Synchrony Bank '' I have several credit lines with them for many years and have never missed a payment. I also have a XXXX XXXX XXXX and make XXXX annually also a 9 % credit utilization. I have many credit cards only one carrying a balance of any sort. If i can't get a line of credit then who can? I feel like this is discrimination under the federal equal credit opportunity act. I cant find a reason for a denial.

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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
I recently reviewed my ChexSystems Consumer Disclosure report and noticed an entry that appears to be inaccurate or fraudulent. The entry in question does not correspond to any account or transaction that I recognize. 

Timeline of Events : Date of Report Review : [ XX/XX/year> ] Upon reviewing my ChexSystems report, I noticed an entry under my name that I do not recognize. 

Date of Initial Contact with ChexSystemsXXXX XXXX XXXX XX/XX/year> ] I called ChexSystems and XXXXXXXX XXXX to inquire about the entry and request the removal of the information. During the call with XXXX, I was informed that my name or any information provided was not found in the system. Despite this, the entry was still listed on my report. 

Attempt to Pay the Reported Balance : [ XX/XX/year> ] In an effort to resolve this quickly, I asked if I could simply pay the balance that is reported on my account. However, I was told that my name or any identifying information was not in their system, and they could not explain why the information was appearing on my report. 

Actions Taken : I filed a dispute with ChexSystems regarding the inaccurate information on my report. 
I submitted a claim for identity theft and provided supporting documentation, including my Identity Theft Report and any related documents.

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 2025-03-10 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC
State: KY

Complaint narrative:
I leased a car from a company in XXXX ky that was closed down for unlawful business and over billing people. I worked near the place and always took my payment into that place.This day over a year ago the doors where locked and the company closed. The following week I was contacted by Westlake portfolio management telling me that i now need to pay them and they read off some information over the phone that gave me enough to believe them. Now over a year later they are changing dates and amounts so much to where i asked to be sent the original agreement and pay statement because i think that i have paid the car off. They then told me a number over the phone that was not true and only now responds with payment request and different due dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have made several requests to place the loan in forebearance and was never informed that the loan was transferred. This has impacted my credit score tremendously and has caused me problems in the workplace.

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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MD

Complaint narrative:
I have made several requests to place the loan in forebearance and was never informed that the loan was transferred. This has impacted my credit score tremendously and has caused me problems in the workplace.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: NV

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( 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 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I placed a dispute with 4 inquires with Equifax. Within less than 24 hours they have completed and closed the dispute without actually verifying the accuracy of them. Then they want me to send them a copy of my driver 's license and social security in the USPS mail, which I don't feel comfortable with. And giving me no alternate way to fix or dispute my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: GA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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 reported to be removed/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 d
id 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.

I have requested proof that this information wa
s 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!

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 2025-03-10 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: TX

Complaint narrative:
I am writing to formally request the removal of a written-off account associated with my name from my credit report. This account ( XXXX ) was reported as written off and is having a detrimental impact on my creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute any inaccurate or incomplete information on their credit reports. The account in question is not only damaging my credit score but also does not accurately reflect my credit history. I believe that there are valid grounds for disputing this account, as it may not comply with the standards set forth under the FCRA. 

Furthermore, I wish to bring to your attention the civil liability provisions outlined in 15 U.S.C. 1681o, which establishes liability for failure to comply with the FCRA. If this account is indeed inaccurate or unverifiable, I am entitled to have it removed from my credit report without any adverse consequences. 

I kindly request that you investigate this matter at your earliest convenience. If you find that this account can not be verified or is indeed inaccurate, I expect it to be removed promptly. 

Please confirm receipt of this letter and provide me with an update regarding the status of my request. I appreciate your attention to this matter and look forward to resolving it in a timely manner. 

Thank you for your cooperation.

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 2025-03-10 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: TX

Complaint narrative:
I am writing to formally request the removal of a written-off account associated with my name from my credit report. This account ( XXXX ) was reported as written off and is having a detrimental impact on my creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute any inaccurate or incomplete information on their credit reports. The account in question is not only damaging my credit score but also does not accurately reflect my credit history. I believe that there are valid grounds for disputing this account, as it may not comply with the standards set forth under the FCRA. 

Furthermore, I wish to bring to your attention the civil liability provisions outlined in 15 U.S.C. 1681o, which establishes liability for failure to comply with the FCRA. If this account is indeed inaccurate or unverifiable, I am entitled to have it removed from my credit report without any adverse consequences. 

I kindly request that you investigate this matter at your earliest convenience. If you find that this account can not be verified or is indeed inaccurate, I expect it to be removed promptly. 

Please confirm receipt of this letter and provide me with an update regarding the status of my request. I appreciate your attention to this matter and look forward to resolving it in a timely manner. 

Thank you for your cooperation.

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