vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 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: MI

Complaint narrative:
My original Student loans were being serviced by Great Lakes Higher Education Corporation until XXXX of 2022. At that point, Nelnet received my loans without any permissions or communications to myself. Since then, Nelnet continues to report my student loans in each increment of borrowing for the period of time I was enrolled. which creates the effect of multiple loans on my credit report and is affecting my credit score. Prior to Nelnet, Great Lakes reported my student debt as one amount. 

I have tried to send inquiry to the Credit bureaus through the online process, but they do not respond. Nelnet is unreachable, I have attempted numerous times to communicate with them through phone and email, but I do not receive any response. My loan repayment is current and has been since the repayment process was instituted after the pause due to the COVID pandemic. I should not be punished in this manner. 

This practice of reporting each separate loan period should not be permitted, since the loan process of universities is continuous in each semester. I have only 1 student debt, not 12 as it is reported to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: IL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-07-10 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:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: CA

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my XXXX XXXX : EXPERIAN Account Number : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$72000.00} Hard Inquiries : XXXXXXXX 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 XXXX XXXX XXXXXX/XX/XXXX These items are either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. I have already contacted the credit reporting agency and the data furnisher, but the issue remains unresolved. I have attached supporting documentation, screenshots of my credit report that to show the inaccurate information and to support my claim. Please investigate this matter promptly, and update my credit report to reflect accurate information.

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 2025-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
On XX/XX/year>, Acima Digital XXXX withdrew {$90.00} from my bank account ending in XXXX an account I never authorized them to access. My only authorized payment method is an account ending in XXXX. This withdrawal was done without my consent and is a violation of the Electronic Fund Transfer Act. I am requesting a full refund of {$90.00} and confirmation that they will not access any unauthorized accounts in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MO

Complaint narrative:
The bankruptcy appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this statement to formally report that I have been a victim of identity theft. As a result, there are fraudulent accounts and/or inquiries on my credit report that I did not authorize or open. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and requesting that these items be investigated, verified, and removed immediately. 

Details of the Dispute : I am disputing the following information that appears on my credit report, which I believe to be the result of identity theft : XXXX XXXX XXXX XXXX  Account Number : XXXX Type : Debt Buyer Collection Account Balance : {$1200.00} Opened : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX Type : Debt Buyer Collection Account Balance : {$2400.00} Opened : XX/XX/XXXX CXXXX XXXX XXXX Account Number : XXXX Type : Collection Balance : {$460.00} Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Type : Debt Buyer Collection Account Balance : {$1400.00} Opened : XX/XX/XXXX XXXX XXXX Account Number : XXXX Type : Collection Balance : {$1800.00} Opened : XX/XX/XXXX Hard Inquiries ( Unauthorized ) : XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX, XX/XX/XXXX ) These accounts and inquiries are not mine, and I have not given anyone permission to open or use these accounts on my behalf. 

Formal Request for Investigation and Debt Verification : Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I am requesting that the credit reporting agencies immediately block and delete these fraudulent items from my report. 

Under FCRA 611 ( 15 U.S.C. 1681i ), I am also formally requesting debt verification for all disputed accounts. You are required to provide documented proof such as a signed agreement showing I authorized these accounts. If such verification can not be produced, the accounts must be permanently deleted from my credit file. 

Compensation for False Verification : As outlined in FCRA 616 ( 15 U.S.C. 1681n ), if any of these items are falsely verified as valid despite my claim of identity theft, I reserve the right to seek statutory damages of {$1000.00} per violation. 

Supporting Documentation ( attached ) : Police report or FTC Identity Theft Affidavit Government-issued photo ID Proof of current address ( utility bill, lease, or bank statement ) Requested Actions : Immediate blocking and removal of all fraudulent accounts and inquiries Full debt verification documentation for all disputed accounts Written confirmation that all fraudulent items have been removed Notification to furnishers instructing them to cease reporting unverifiable data An updated copy of my credit report reflecting all corrections I expect a written response confirming that this request has been completed in accordance with the FCRA. Failure to comply may result in additional legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Ive have rent reporting to my credit agencies for over a year. Equifax will not allow them to put it on their report. XXXX  XXXX  that they use all agencies. I have documents reporting from boom they are trying to solve it but not heard anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: IL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-07-10 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: FL

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate

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 2025-07-10 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: MOHELA
State: LA

Complaint narrative:
My student loans was Breach of information, Violation of Higher Education Act, Violation of Privacy Act of 1974, Violation of FERPA They were taking off my other credit report but TransUnion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: PRA LAW FIRM
State: VA

Complaint narrative:
Pra law firm keeps calling me without fail to notify me of payments I have to make for something I did a while ago. Ultimately it's my fault, but I am in a XXXX XXXX XXXX XXXX, and have made that very clear to them. It's very hard to XXXX XXXX. Getting these phone calls adds to the stress, XXXX  and darkness surrounding my XXXX  because they not only know my full name and recite it for each phone call in a threatening manner, they then " request to know '' when I can make another payment. This has been extremely unnecessary and unfaithful of them given we have been making our payments perfectly fine even though they have been treating me like they are loan sharks and making me pay a percentage each month that they can then also add to my debt as well at the same time to keep me locked in this debt my whole life. It's been XXXX $ for like half a year now. I'm not XXXX, they are squeezing me like a XXXX lemon, and the fact is I never had any juice in the first place. I even put myself on the national do not call registry in order to prevent myself from being called from these XXXX bozos but they won't leave me alone. I have called them directly and told them to stop calling my number because I am XXXX  enough as it is and don't need more pressure applied right now. Please please help. I don't like hearing my full name muttered by a stranger loan shark demanding more money than I have. All I did was try and XXXX from a XXXX. It was a victimless crime. They have insurance. I can't even walk for 10 minutes without extreme pain. I just needed a little bit more money so I could afford XXXX XXXX, and had a lapse of judgement and lost control of myself one day. I don't deserve this torment. I'm in pain. I don't know what to do. I'm scared.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-10 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: MI

Complaint narrative:
I recently reviewed my credit report and noticed some fraudulent accounts on my report. This is hurting my ability to obtain credit. Please remove fraudulent accounts. Submitted a dispute before came back verified. Qualifies for FCRA.

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 2025-07-10 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: MoneyLion Inc.
State: PA

Complaint narrative:
According to the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C.

1692c ( c ), once a written request is made to a debt collector to cease communication, any further communication - including continued credit reporting - may violate federal law unless certain exceptions apply ( e.g., to inform of specific legal actions ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
I am submitting this complaint to dispute inaccuracies on my credit report under 15 U.S.C. 1692g, which permits consumer reporting agencies to provide consumer reports only for specific, legally defined purposes. The disputed accounts were reported without my authorization or knowledge, and I have not received any goods or services associated with these entries. I am requesting that these accounts be removed from my credit report to ensure its accuracyandintegrity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I am submitting this complaint to dispute inaccuracies on my credit report under 15 U.S.C. 1692g, which permits consumer reporting agencies to provide consumer reports only for specific, legally defined purposes. The disputed accounts were reported without my authorization or knowledge, and I have not received any goods or services associated with these entries. I am requesting that these accounts be removed from my credit report to ensure its accuracyandintegrity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
I had set up a relationship with a merchant that later turned out to be a scammer. They used XXXX to access my XXXX account and charged my American express 2 charges for {$11000.00}. These occured int he middle of the night. I contacted American Express imediately within hours of the charges being made. They told me I had to wait for the charges to be posted and then dispute them. They told me they could not blocj=k them at that time. My cerdit limit was {$35000.00}. American Express Allowed both charges to go through dispite this going over my cedit limit of {$35000.00}. This placed my balance at {$45000.00} after these charges went through. American Express will not revesrse the charges that I disputed as soon as I saw these charges go through. They also are allowing the second charge to go throught that was {$10000.00} over my credit limit. What good is a credit limit if American Express will allow charges to go through {$10000.00} over your limit. I did not authrize either of these charges. This scammer illegally obtained my log in information and made these charges. Amercan Express should at least block the last charge that they allowed to go throught that was {$10000.00} over my cerdit limit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION

Complaint narrative:
In XXXX, I began the process to receive my portion of an investment account inherited from my late father, valued at approximately {$34000.00}. I submitted all required documents to Truist XXXX XXXX, including identification, death certificate, and beneficiary designation forms. 

Over the following months, I attempted multiple times to receive the funds through a secure method. Truist rejected all reasonable options, including transferring the funds to my U.S.-based bank account, to my daughters or sisters U.S. account , or allowing me to open an account in my name. The only option they offered was mailing a physical check to my address in XXXX. 

On XX/XX/year>, the company confirmed the check had been processed. Later, a representative claimed the check had been mailed and cashed. However, no tracking number, delivery confirmation, scan of the cashed check, or name of the recipient was ever provided. Despite repeated follow-ups by phone and email, I never received the check and no proof of cashing was submitted. 

This situation has now persisted for over a year without resolution.

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 2025-07-10 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: NC

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. 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 explanation
Consumer complaint received 2025-07-10 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: LA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-07-10 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: DC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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