vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: GA

Complaint narrative:
Dear Nelnet Disputes Department, This letter is in direct response to your correspondence regarding my prior dispute concerning the mishandling of my personal and educational records. Your reply failed to adequately address the core issues raised under the Family Educational Rights and Privacy Act ( FERPA ) and the Fair Credit Reporting Act ( FCRA ). 

As previously stated, my educational and financial information was accessed, shared, or maintained without my knowledge or consent, constituting a violation of FERPAs requirements to safeguard student records and personally identifiable information. Your response acknowledges your obligations under the Privacy Act of 1974 and FERPA but fails to address whether an unauthorized third party accessed or retained my records, nor does it confirm what security measures were taken to prevent such a breach. 

Under 15 U.S.C. 1681b and FCRA 623 ( a ) ( 6 ), you are required to ensure that any information furnished to consumer reporting agencies is accurate, verifiable, and obtained lawfully. Since there is an unresolved question of data security and authorization, continued reporting of this account to any consumer reporting agency constitutes a violation of these federal provisions. 

I am hereby demanding the following : XXXX. A complete reinvestigation into the handling of my personal and educational records under FERPA and the Privacy Act. 


XXXX. A detailed statement of all entities or parties with whom my data was shared or accessed since account origination. 


XXXX. Immediate removal and suppression of any credit reporting related to this account from Experian, Equifax, and TransUnion until verification of lawful authorization is provided. 


XXXX. Written confirmation of compliance within 15 days, as required under FCRA 611 ( a ) ( 1 ) ( A ) and FERPA regulations ( 34 CFR Part 99 ). 



Failure to comply will result in a formal complaint being filed with the U.S. Department of Educations Family Policy Compliance Office, the Consumer Financial Protection Bureau ( CFPB ), and the Federal Trade Commission ( FTC ) for violation of my federally protected rights. 

Please consider this a final notice before escalation. I expect a complete and lawful resolution in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: NJ

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, I disputed the reporting of a XXXX XXXX XXXX XXXX. ( XXXX  ) credit-card account that appeared on my Experian credit file. This account resulted from identity theft connected to a domestic-violence situation involving my former partner. 
On XX/XX/XXXX, I filed a police report and an FTC Identity-Theft Report ( Report # XXXX ) describing the financial abuse and unauthorized use of my credit accounts. On XX/XX/XXXX, I sent these documents to Experian requesting that it block and delete the XXXX account under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ).

Experian initially accepted the documentation and removed two other fraudulent loan accounts ( XXXX  and XXXX  ) on XX/XX/XXXX, using the same identity-theft verification package. However, on or about XX/XX/XXXX, Experian reinserted the XXXX account onto my credit file without providing the legally required advance notice or explanation. 
I contacted Experian several times between XX/XX/XXXX and XX/XX/XXXX to ask for the basis of its reinvestigation and what evidence it relied on to validate the account. Experian representatives told me that the account was verified using certified documents but refused to identify what those documents were or who certified them. I never received a description of the procedures used in the reinvestigation or copies of any verifying records, as required by FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). 
In XX/XX/XXXX, I provided Experian a second copy of my police report and FTC Identity-Theft Report, confirming that the account was opened through coercion and financial abuse. Experian acknowledged receipt but did not block the XXXX account. 
As of XX/XX/XXXX, Experian continues to report the fraudulent XXXX account, despite having sufficient documentation to block it and despite previously accepting the same documents to delete two other fraudulent accounts. Experians inconsistent handling, reinsertion without notice, and refusal to describe its reinvestigation constitute violations of FCRA 1681c-2 ( identity-theft blocking ) and 1681i ( reinvestigation requirements ).

I am requesting that Experian : Immediately and permanently block the XXXX account ; Provide a full written explanation of the reinvestigation, including the documents and entities relied upon ; and Confirm future compliance to ensure no blocked or deleted identity-theft items are reinserted without proper verification.

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 2025-10-24 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: OR

Complaint narrative:
Good day, I am submitting this follow-up regarding a prior dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$1100.00} 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 Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4300.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$460.00} XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation
State: GA

Complaint narrative:
This account is written of as a charge off I never received a 1099-C cancellation of debt form and because of that this account is inaccurate. I ask that this charge off be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
I am filing this complaint regarding a XXXX transfer dispute that affected my business account. 

On XX/XX/year>, a person named XXXX XXXX sent me XXXX XXXX transfers through XXXX Bank. However, only XXXX of the transfers was successfully received in my Wells Fargo XXXX  account. 

Later, the sender went to her bank and withdrew or reversed the second transaction. After that, my business XXXX account was suddenly flagged and restricted under a fraud review, even though I did nothing wrong and provided all proof of the transactions. 

I contacted both XXXX and Wells Fargo multiple times, submitted screenshots showing the XXXX payments, and asked for investigation details. Neither company provided a proper response or refunded the missing amount. 

This issue has caused me financial harm and affected my ability to use XXXX for my business operations. I respectfully request the Consumer Financial Protection Bureau to review this case, help restore my account, and recover the missing funds. 

Attached screenshots and documents show the transaction history, communication with support, and the duplicate transfer.

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 2025-10-24 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-10-24 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: NC

Complaint narrative:
I am submitting this statement in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) 1681e ( b ) and 1681i, which require credit reporting agencies and data furnishers to ensure maximum possible accuracy of all reported information and to promptly reinvestigate any disputed items. Upon review of my credit report, I discovered several XXXX  and XXXX accounts reported with late payments that are inaccurate, unverified, or inconsistent with my actual payment history.

The accounts in question include : XXXX  XXXXXXXX XXXX XXXX Balance : {$52000.00} Reported 90150 days late between XXXX XXXX XXXX XXXX XXXX  Balance : {$5700.00} Reported 6090 days late between XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3200.00} Reported 90150 days late between XXXX XXXX XXXX XXXX XXXX  Balance : {$4500.00} Reported 90150 days late between XXXX XXXX XXXX XXXX XXXX Balance : {$7900.00} Reported 90150 days late between XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$12000.00} Reported 90150 days late between XXXX XXXX XXXX XXXX XXXX Balance : {$6500.00} Reported 90150 days late between XXXX XXXX XXXX XXXX XXXX  Balance : {$6100.00} Reported 90150 days late between XXXX XXXX XXXX XXXX XXXX  Balance : {$5800.00} Reported 30120 days late from XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} Reported 30 days late on XX/XX/year> These accounts are being reported as delinquent despite either having been paid, consolidated, or inaccurately updated during servicing transitions. Such misreporting creates a false impression of chronic delinquency and constitutes a violation of FCRA 1681s-2 ( b ), which obligates furnishers to correct and update inaccurate informatio

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: NC

Complaint narrative:
I am submitting this statement in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) 1681e ( b ) and 1681i, which require credit reporting agencies and data furnishers to ensure maximum possible accuracy of all reported information and to promptly reinvestigate any disputed items. Upon review of my credit report, I discovered several XXXX  and XXXX accounts reported with late payments that are inaccurate, unverified, or inconsistent with my actual payment history.

The accounts in question include : XXXX  XXXXXXXX XXXX XXXX Balance : {$52000.00} Reported 90150 days late between XXXX XXXX XXXX XXXX XXXX  Balance : {$5700.00} Reported 6090 days late between XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3200.00} Reported 90150 days late between XXXX XXXX XXXX XXXX XXXX  Balance : {$4500.00} Reported 90150 days late between XXXX XXXX XXXX XXXX XXXX Balance : {$7900.00} Reported 90150 days late between XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$12000.00} Reported 90150 days late between XXXX XXXX XXXX XXXX XXXX Balance : {$6500.00} Reported 90150 days late between XXXX XXXX XXXX XXXX XXXX  Balance : {$6100.00} Reported 90150 days late between XXXX XXXX XXXX XXXX XXXX  Balance : {$5800.00} Reported 30120 days late from XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} Reported 30 days late on XX/XX/year> These accounts are being reported as delinquent despite either having been paid, consolidated, or inaccurately updated during servicing transitions. Such misreporting creates a false impression of chronic delinquency and constitutes a violation of FCRA 1681s-2 ( b ), which obligates furnishers to correct and update inaccurate informatio

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 2025-10-24 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: PA

Complaint narrative:
It came to my attention that my person information was compromised in a data breach, i notice some accounts that I don't recognize. I am disputing the information in this FTC complaint as it appears on my credit profile. I would like validation of the debt to prove it belongs to first and last name. If the debt can not be validated I would like the debt to be removed from my credit profile. Please note verification is not validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: AR

Complaint narrative:
I am submitting to formally dispute several inaccurately reported items on my credit report. These entries include charge-offs, collection accounts, and inquiries associated with disputed accounts. Upon review, these accounts appear to contain discrepancies, incomplete information, or unverifiable reporting that may violate my rights under the Fair Credit Reporting Act ( FCRA ). Under FCRA 611 ( 15 U.S.C. 1681i ), I am entitled to dispute any item I believe to be inaccurate or incomplete, and to request that the credit reporting agency conduct a reasonable investigation. Additionally, FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) mandates that all information included in my credit report be reported with maximum possible accuracy. FCRA 623 ( a ) ( 1 ) ( A ) also prohibits data furnishers from reporting information they know or should know to be inaccurate. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$140.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * Balance : {$6700.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX 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 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 2025-10-24 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: AR

Complaint narrative:
I am submitting to formally dispute several inaccurately reported items on my credit report. These entries include charge-offs, collection accounts, and inquiries associated with disputed accounts. Upon review, these accounts appear to contain discrepancies, incomplete information, or unverifiable reporting that may violate my rights under the Fair Credit Reporting Act ( FCRA ). Under FCRA 611 ( 15 U.S.C. 1681i ), I am entitled to dispute any item I believe to be inaccurate or incomplete, and to request that the credit reporting agency conduct a reasonable investigation. Additionally, FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) mandates that all information included in my credit report be reported with maximum possible accuracy. FCRA 623 ( a ) ( 1 ) ( A ) also prohibits data furnishers from reporting information they know or should know to be inaccurate. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$140.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * Balance : {$6700.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2025-10-24 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: FL

Complaint narrative:
I am sending to formally dispute several accounts that appear on my credit report. After reviewing my file in detail, I found multiple accounts reporting information that does not align with my verified payment history and account records. I take my financial obligations seriously and always strive to maintain accurate, up-to-date records. It is deeply concerning to find discrepancies that could negatively impact my creditworthiness and reputation. Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to ensure that all accounts reported under my name is complete and accurate, and I am exercising that right through this dispute. 
XXXX XXXX XXXX Balance {$21000.00} XXXX XXXX Balance {$3500.00} XXXX XXXX Balance {$6600.00} XXXX XXXX Balance {$1800.00} XXXX XXXX Balance {$5400.00} XXXX XXXX XXXX XXXX Balance {$3400.00} XXXX XXXX XXXX XXXX Balance {$5400.00} XXXX XXXX XXXX XXXX Balance {$1800.00} XXXX XXXX XXXX XXXX Balance {$6600.00} XXXX  XXXX Balance {$22000.00} XXXX XXXX Balance {$3500.00} XXXX XXXX Balance {$6600.00} XXXX XXXX Balance {$5400.00} XXXX  XXXX Balance {$1800.00}

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 2025-10-24 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: FL

Complaint narrative:
I am sending to formally dispute several accounts that appear on my credit report. After reviewing my file in detail, I found multiple accounts reporting information that does not align with my verified payment history and account records. I take my financial obligations seriously and always strive to maintain accurate, up-to-date records. It is deeply concerning to find discrepancies that could negatively impact my creditworthiness and reputation. Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to ensure that all accounts reported under my name is complete and accurate, and I am exercising that right through this dispute. 
XXXX XXXX XXXX Balance {$21000.00} XXXX XXXX Balance {$3500.00} XXXX XXXX Balance {$6600.00} XXXX XXXX Balance {$1800.00} XXXX XXXX Balance {$5400.00} XXXX XXXX XXXX XXXX Balance {$3400.00} XXXX XXXX XXXX XXXX Balance {$5400.00} XXXX XXXX XXXX XXXX Balance {$1800.00} XXXX XXXX XXXX XXXX Balance {$6600.00} XXXX  XXXX Balance {$22000.00} XXXX XXXX Balance {$3500.00} XXXX XXXX Balance {$6600.00} XXXX XXXX Balance {$5400.00} XXXX  XXXX Balance {$1800.00}

Company response to consumer: Closed with non-monetary relief