vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: TX

Complaint narrative:
I am filing this complaint against XXXX due to severe and unjustified negative credit reporting that has significantly impacted my financial standing. My credit report was recently updated to reflect late payment entries from EDFINANCIAL, which has caused my credit score to drop by over XXXX points. This action was taken without any prior notice, warning, or correspondenceI did not receive any emails, letters, or alerts informing me of this drastic change before it was reported to the credit bureaus.

Additionally, I have become aware of an ongoing data breach involving student loan accounts, which raises serious concerns regarding unauthorized access to my personal and financial information raising concerns over a FERPA violation. Given this security lapse, I have reason to believe that my account records may have been compromised or altered without my consent.

I am in the process of purchasing a home and this has caused my loan to be halted until this is remedied. This has caused extreme financial distress and this error in reporting needs to be remedied immediately. I did not authorize any changes to my account status, and I no longer feel comfortable having my student loans serviced and reported to the credit bureaus under these conditions.

Violations and Consumer Protection Rights 1. Failure to Provide Notice of Negative Credit Reporting - Under the Fair Credit Reporting Act ( FCRA ), loan servicers are required to provide accurate and fair reporting. I was not notified in advance that these accounts would be marked late, which denied me the opportunity to address any potential issues before they were reported.

2. Possible Unauthorized Reporting and Account Compromise Due to Data Breach - The reported data breach involving XXXX raises serious questions about the integrity of my loan accounts. If my data was exposed or manipulated, XXXX may have incorrectly or fraudulently reported late payments that I did not actually incur.

3. Failure to Properly Investigate and Verify Account Status - Given the security risks and errors in reporting, I request full verification and documentation proving the legitimacy of the late payments, including a detailed account history showing how and when they were marked late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TekCollect Inc.
State: AL

Complaint narrative:
I asked for the original contract signed between Me and the debt collector and a 1099 form and the original date of payments

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/25. opening a loan option. I just checked right now and reporting this as possible fraud because i have not asked for any loan from capital one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana, XXXX XXXX Date : XX/XX/year> Experian P.O. XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Credit Reporting Request for Investigation and Removal Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX To Whom It May Concern, I am writing to formally dispute inaccurate and incomplete information reported on my credit report concerning the above-mentioned account. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain maximum possible accuracy of the information they report. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if information is found to be inaccurate or unverifiable, it must be promptly corrected or deleted. 
The account listed under " XXXX XXXXXXXX XXXX XXXXXXXX '' and numbered " XXXX '' contains several inaccuracies that I believe violate the FCRAs accuracy requirements. I request a full investigation into this account and demand that the information be 100 % accurate across all three major credit bureaus. If the information can not be verified and corrected to reflect complete accuracy, it must be DELETED entirely from my credit report as required by law. Verify the balance for completeness and accuracy. 

Please confirm in writing the results of your investigation and send me an updated copy of my credit report. I am including a copy of my identification and proof of address to assist with your investigation. 

Thank you for your prompt attention to this matter. 
Sincerely, 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 2025-04-25 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:
Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair Credit Reporting Act. 
Complaint Summary : I am submitting this complaint against EQUIFAX regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On [ Date of Credit Report ], I discovered discrepancies in the following account ( XXXX ) : Disputed Account 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  Disputed Information : Incorrect balance, wrong account status, Incorrect dates, different comments. Inconsistent Date of Last Activity and Inaccurate Payment History.

Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a re-investigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validate for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, EQUIFAX has failed to conduct a thorough investigation or resolve these discrepancies within the required time frame of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report IMMEDIATELY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishes of information are required to investigate and correct inaccurate information upon notice of a dispute.

Additional Information : Attached documents : I include the following documents : My drivers license, social security card, a letter as proof of address, proof of inaccurate in the disputed account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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 filing this complaint due to inaccurate, unverifiable, and misleading information being reported on my credit file, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681e ( b ), 1681i, and 1681s-2. Despite prior disputes to the credit bureaus and original furnishers, no proper investigation or resolution has taken place. I am also a confirmed victim of the 2017 Equifax data breach, as verified through www.equifaxbreachsettlement.com, and I demand heightened review due to the increased risk of identity misuse.

Under the FCRA 15 U.S.C. 1681e ( a ), credit reporting agencies must maintain reasonable procedures to avoid reporting inaccurate or fraudulent information. Furthermore, 15 U.S.C. 1681b restricts who can access and use my credit file. My personal information was compromised in the breach, and any accounts that are unverifiable or potentially fraudulent must be removed immediately.

The following accounts are being reported inaccurately and are the subject of this complaint : 1. XXXX XXXX XXXX Account Number : XXXX Status : Collection. Re-aged, unverifiable, no contract or validation ever provided. 
2. XXXX XXXX XXXX XXXX Account Number : XXXX Status : Collection. No verification. Inaccurate reporting of balance and activity. 
3. XXXX Account Number : XXXX Status : Open with past-due status. Account reports over-the-limit usage. Inaccurate balance history and late payment reporting. 
4. XXXX XXXX Account Number : XXXX Status : Collection. Unverified debt. Reporting without providing proof of original agreement. 
5. XXXX XXXX XXXX Account Opened : XX/XX/XXXX Status : Charged off with 96+ late payments shown. Account was closed but continues to reflect false activity. No notice of auction or right to reclaim collateral. Violates fair debt collection and FCRA provisions.

6. XXXX XXXX XXXX ( Auto Loan ) Account Opened : XX/XX/XXXX Status : Closed/charged off but reports late activity monthly. Repossession occurred without proper notice or post-COVID hardship relief. Account is misleading and potentially deceptive under FCRA and Texas law.

In all cases, I have not received any documentation proving the validity of these accounts. Many appear to be re-aged, or otherwise manipulated to harm my credit file and misrepresent my payment history. Per FCRA 1681i ( a ) and 1681s-2 ( b ), any information that can not be verified with full supporting documentation must be deleted, not merely updated. Continued reporting of these accounts without verification is a clear FCRA violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding the unexpected transfer of my XXXX XXXX XXXX  from XXXX to XXXX without any prior notice or communication from either servicer. 

I received a congratulatory email from XXXX stating that my loans had been paid in full and that no further payments were required. At no point was I informed that the loans would be transferred to another servicer. I checked my XXXX account inbox, where all official messages are stored, and found no record of any communication about a loan transfer. 

Several months later, I began receiving physical mail from XXXX stating that I had an upcoming payment due. This was the first time I became aware that my loans had been transferred. I did not receive any prior communication from XXXX or XXXX regarding this change, which left me confused and concerned. 

My contact information has always been accurate, and I have successfully received other communications from XXXX in the past. I believe this failure to notify me in advance violates federal regulations that require borrowers to be informed in writing when their loan servicing is being transferred. 

Although I have since made small payments to XXXX in good faith to avoid any negative impact on my credit, I am requesting the following : A clear explanation of why no advance notice was provided by XXXX Documentation from XXXX showing when and how they attempted to notify me Confirmation that this transfer process complied with all XXXX XXXX XXXX servicing requirements Guidance on my rights to dispute this issue and address any potential reporting errors with the credit bureaus I respectfully ask the CFPB to investigate this matter and ensure both servicers are held accountable for improper communication practices. 

Thank you for your time and assistance.

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 2025-04-25 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: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding the unexpected transfer of my federal student loans from Nelnet to XXXX without any prior notice or communication from either servicer. 

I received a congratulatory email from Nelnet stating that my loans had been paid in full and that no further payments were required. At no point was I informed that the loans would be transferred to another servicer. I checked my Nelnet account inbox, where all official messages are stored, and found no record of any communication about a loan transfer. 

Several months later, I began receiving physical mail from XXXX stating that I had an upcoming payment due. This was the first time I became aware that my loans had been transferred. I did not receive any prior communication from XXXX or Nelnet regarding this change, which left me confused and concerned. 

My contact information has always been accurate, and I have successfully received other communications from Nelnet in the past. I believe this failure to notify me in advance violates federal regulations that require borrowers to be informed in writing when their loan servicing is being transferred. 

Although I have since made small payments to XXXX in good faith to avoid any negative impact on my credit, I am requesting the following : A clear explanation of why no advance notice was provided by Nelnet Documentation from XXXX showing when and how they attempted to notify me Confirmation that this transfer process complied with all federal student loan servicing requirements Guidance on my rights to dispute this issue and address any potential reporting errors with the credit bureaus I respectfully ask the CFPB to investigate this matter and ensure both servicers are held accountable for improper communication practices. 

Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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:
Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding the unexpected transfer of my federal student loans from XXXX to XXXX without any prior notice or communication from either servicer. 

I received a congratulatory email from XXXX stating that my loans had been paid in full and that no further payments were required. At no point was I informed that the loans would be transferred to another servicer. I checked my XXXX account inbox, where all official messages are stored, and found no record of any communication about a loan transfer. 

Several months later, I began receiving physical mail from XXXX stating that I had an upcoming payment due. This was the first time I became aware that my loans had been transferred. I did not receive any prior communication from XXXX or XXXX regarding this change, which left me confused and concerned. 

My contact information has always been accurate, and I have successfully received other communications from XXXX in the past. I believe this failure to notify me in advance violates federal regulations that require borrowers to be informed in writing when their loan servicing is being transferred. 

Although I have since made small payments to XXXX in good faith to avoid any negative impact on my credit, I am requesting the following : A clear explanation of why no advance notice was provided by XXXX Documentation from XXXX showing when and how they attempted to notify me Confirmation that this transfer process complied with all federal student loan servicing requirements Guidance on my rights to dispute this issue and address any potential reporting errors with the credit bureaus I respectfully ask the CFPB to investigate this matter and ensure both servicers are held accountable for improper communication practices. 

Thank you for your time and assistance.

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 2025-04-25 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:
I am submitting this complaint against Experian, TransUnion, and XXXX  regarding their handling of a medical collection that appears on my credit report. 

I have disputed this collection account with the credit bureaus and provided documentation to support my position. Despite this, Experian has refused to remove the item. TransUnion and XXXX  have also failed to act in accordance with current federal guidance on medical debt reporting. 

Under the updated FCRA ( Fair Credit Reporting Act ) guidelines and recent policy changes announced by the credit bureaus, medical collections under {$500.00}, or those that have been paid or are over one year old, should no longer be reported. Additionally, the No Surprises Act provides further protections for consumers regarding certain types of medical debt.

My complaint is as follows : 1. The bureaus continue to report a medical collection that should be excluded under current reporting standards.

2. Experian in particular has stated they will not remove the item, despite my dispute and request for reinvestigation.

3. This negative reporting is affecting my credit score and access to financial opportunities unjustly.

I am requesting that the Consumer Financial Protection Bureau investigate this matter. I am also requesting the credit reporting agencies in question take immediate corrective action by : Removing the disputed medical collection from my credit report.

Providing a written response detailing their investigation and final decision.

Thank you for your attention to this matter.

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 2025-04-25 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
To whom it may concern, My personal information was. breached/compromised/stolen. I have been getting a lot of private calls/scam emails/social media requests requesting invoices and payments. I have contacted all inquiry companies and to no avail did they help me with my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: AZ

Complaint narrative:
To whom it may concern, My personal information was. breached/compromised/stolen. I have been getting a lot of private calls/scam emails/social media requests requesting invoices and payments. I have contacted all inquiry companies and to no avail did they help me with my situation.

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 2025-04-25 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
To whom it may concern, My personal information was. breached/compromised/stolen. I have been getting a lot of private calls/scam emails/social media requests requesting invoices and payments. I have contacted all inquiry companies and to no avail did they help me with my situation.

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