vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-13 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: MD

Complaint narrative:
Accuracy. 
My personal and financial data was compromised violating FERPA. I request full cancellation and forgiveness of my student loan debt. 
Total amount is {$4700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: GA

Complaint narrative:
I, XXXX XXXX XXXX XXXX, hereby state unequivocally that I do not acknowledge, authorize, or recognize any of the entries listed below as valid accounts or inquiries on my credit report. These items were added without my knowledge or consent and therefore constitute a direct violation of my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ), Title 15 of the United States Code, Section 1681 and the provisions that follow.

In support of this request, I invoke the following legal provisions : 15 U.S.C. 1681, Section 602 ( a ) : Clearly affirms my right to privacy and confidentiality regarding the handling and dissemination of my credit and personal information.

15 U.S.C. 1681b ( formerly referenced as 604 ( a ) ( 2 ) ) : Prohibits consumer reporting agencies from furnishing any account or information about me without my express written instructions. I have not provided such authorization for the entries in question.

15 U.S.C. 1681c ( a ) ( 5 ) : Prohibits any consumer reporting agency from including adverse informationexcept records of criminal convictionsthat predates the report by more than XXXX years. This includes obsolete inquiries or outdated data.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Forbids any person or entity from furnishing information to a consumer reporting agency if they know, or have reasonable cause to believe, that the information is inaccurate.

On the basis of the above and because I do not recognize, validate, or accept the legitimacy of the accounts or inquiries listed below, I respectfully demand their immediate and permanent deletion from my credit file, in full compliance with my rights under federal law : XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2025-04-13 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: SC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-04-13 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-04-13 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: VA

Complaint narrative:
I requested to opt out of all third-party data sharing and reporting. Please suppress my information from future use and remove it from active databases.

Your agency is obligated to comply with the following federal mandates : 15 U.S.C. 1681b ( a ) Limits use and disclosure of consumer data to permissible purposes only.

15 U.S.C. 1681e ( a ) Requires you to maintain strict procedures to ensure lawful and accurate use of consumer data.

15 U.S.C. 1681g ( a ) ( 1 ) Grants me full rights to request and receive a disclosure of all personal data you possess.

15 U.S.C. 1681c ( a ) Prohibits retention of obsolete consumer information beyond federal limits.

15 U.S.C. 1681i ( a ) ( 5 ) Restricts reinsertion of any previously deleted data without certification and written notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
The XXXX PRA file a lawsuit against the XXXX, however failure to claim jurisdiction, venue state a claim of action. The XXXX PRA fail to file evidence of an affidavit of sale by original creditor, support by Certificate of Conformity to support the lawsuit. 

The XXXX  PRA are in violation with CFPB Validation notice1006.34, and 15 U.S.C . 1692g ( a ) under this section of the FDCPA debt collectors. Failure to first initial communication and within XXXX days. XXXX XXXX failure provided Validation notice to the Defendant. 15 U.S.C. 1692g ( a-1, 2, 3, 4, 5 ) under this section of the FDCPA debt XXXX. The Defendant rights to respond within XXXX days to the Validation notice, and for XXXX XXXX to validate the debt for accuracy. 


XXXX XXXX are in violation with 15 U.S.C. 1692e under this section of the FDCPA prohibits debt collectors from using any false, deceptive, or misleading representation or means in connection with the collection of any debt. The XXXX PRA are in violation with CFPB 1006.18 False, deceptive, or misleading representations or means. 

The XXXX PRA has been sued by CFPB for violations misrepresenting, deceptive and unfair practices. Documented in lawsuit when the XXXX PRA are suing under breach of Contact theory, the XXXX PRA are to supposed to forward documentation of contractual terms and conditions within XXXX days of filing the lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have made several attempts to figure out this loan that has shown up on my credit report i have called the creditor several times and my social security number does not match the account holders information i have filed this complaint with XXXX and XXXX and both of those claims have not been correct as i assumed and verified myself but it is still on my credit report and its hindering me from getting an actual car loan because this account is not mine! two completely different social security numbers as Wells Fargo auto does not have any record of my social security number whatsoever.

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 2025-04-13 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 want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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 want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom It May Concern, This letter serves as a second formal dispute regarding the continued reporting of the account listed below, which remains inaccurately on my credit file despite my prior request for deletion : Creditor : XXXX XXXX. 

Account # : XXXX Reporting Bureau : Experian Report # : XXXX Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX Your previous response indicating that the account has not been changed and will remain on my report is both inadequate and in direct violation of your duties under the Fair Credit Reporting Act ( FCRA ) specifically 15 U.S.C. 1681i ( a ). 

You have failed to provide : Any evidence of a reasonable reinvestigation ; Documentation from XXXX XXXX. proving the accuracy and completeness of the account ; An explanation as to how Experian determined the information was verified beyond a mere automated confirmation. 

As stated in 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) : If the disputed information can not be verified, is inaccurate, or lacks complete documentation, it must be deleted from the consumers file. 

Furthermore, any reinvestigation that fails to provide documentation or relies solely on automated systems like e-OSCAR has been deemed noncompliant in past CFPB enforcement actions. 

I am demanding that you : Delete the XXXX XXXX. account ending in XXXX immediately, or Provide complete verification including all documentation received from the furnisher within 15 days. 

Failure to comply will result in : A new CFPB complaint being filed, A report to the Federal Trade Commission ( FTC ), and Potential legal action for failure to comply with your obligations under the FCRA. 

I expect a prompt and lawful resolution 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 2025-04-13 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: Medical Data Systems, Inc.
State: GA

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed medical collection information on my credit report, leaving inaccurate or unverifiable accounts unresolved. Medical collections continue to be reported by XXXX that is negatively impacting my credit. Despite efforts to resolve this directly with the reporting agency it remains unresolved. I request an immediate investigation and removal of these medical collection accounts, this information, as it is inaccurate and does not reflect my true credit history. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: NY

Complaint narrative:
XXXX XXXX XXXXXXXX XX/XX/XXXX, XX/XX/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 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 2025-04-13 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I tried to access my Equifax account last year, but I couldnt get into my account. I tried again on XX/XX/2025, but it wouldnt work. 
Today, XXXX, I spoke to customer service and they said they cant authenticate my identity and their website isnt working. I wasnt able to send them my drivers license. They told me my only option is to send my social security number in the mail, which I am not doing. 
Ever since I froze my credit score, I have not been able to unfreeze it. Currently, I am trying to apply for a credit card, but it needs to access my credit through Equifax specifically. However, none of the security questions they ask pertain to me, so I cant get the answers correct. 
Customer service has been unable to resolve the issue. 
I am seeking access to federally guaranteed credit report and/or account functions. 
Any help you can provide would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: IL

Complaint narrative:
As I have stated to Equifax multiple times, the banks below have submitted reinsertion requests multiple times. If you have not received these requests, please clarify. If these accounts are suppressed, please unsuppress. Again, XXXX XXXX XXXX XXXX XXXXXXXX have been in touch with your team multiple times and these need to be reinserted. The last 4 of each account is below : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 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: PR

Complaint narrative:
I have never pay late and XXXX put in my credit a charge off. I almost paid full my credit card and I was never late. They were responsable for not putting a credit limit on my card. Please see my attached a screenshot of my account.

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 2025-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVN funding purchased my credit card debts for XXXX XXXX XXXX  Then they try to come after me for amounts from original companies. How is that right? There using false amounts and dont have a sign contract with me. Please remove thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
Back on XX/XX/year> we purchased our first home and acquired our mortgage loan from United Wholesale Mortgage ( UWM ) at that time. 

Attached are the closing disclosure and the XXXX we received from UWM for the tax year XXXX 

As you can note, there is a discrepancies between the points on the XXXX and the disclosure statement. 

We had so many back and forth follow up calls with UWM in this regard as soon as we found out this mistake since we received the wrong XXXX and tried to resolve it through different communication channels with UWM. 

However we have not heard back for months and finally after almost XXXX years they sent us correct XXXX without any explanation on the next step and how they would communicate this mistake to the related parties such as IRS and ignore paying us the associated penalties and interest we incurred due to their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: TN

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-04-13 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: TN

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-04-13 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: MD

Complaint narrative:
On XX/XX/2025, XXXX XXXX instructed his team of Department c Government Efficiency ( DOGE ) to gain access to multiple internal systems within the Departent of Education, including financial aid dataset that contains the personal informaion of millions of students enrolled in the federal student aid program. My information was among that dataset that has been compromised.

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 2025-04-13 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: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/year>, XXXX XXXX instructed his team of XXXX XXXX XXXX XXXX XXXX XXXX XXXX to gain access to multiple internal systems within the Departent of Education, including financial aid dataset that contains the personal informaion of millions of students enrolled in the federal student aid program. My information was among that dataset that has been compromised.

Company response to consumer: Closed with non-monetary relief