vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: MD

Complaint narrative:
In XX/XX/year>, I requested and was approved for a forbearance on my federal student loan serviced by Nelnet. The forbearance was approved and active before any delinquency information was furnished to the credit bureaus. 

Despite this, Nelnet reported my account as XXXX or more days delinquent in XX/XX/year>, after the forbearance had already been approved and in effect. Reporting a delinquency after a forbearance is active is inaccurate and misleading under the Fair Credit Reporting Act ( FCRA ) and U.S. Department of Education servicing standards, which require accounts in forbearance to be reported as current or in forbearance, not delinquent. 

I contacted Nelnet on XX/XX/year>, to confirm that my forbearance had been approved and that my account was in good standing. Their later decision to furnish a XXXX delinquency that same month misrepresented the true status of my account. 

I am requesting that the CFPB ensure this inaccurate delinquency is removed or corrected and that my account is updated across all credit bureaus to reflect the proper forbearance status for that period.

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: DC

Complaint narrative:
XXXX XXXX added fraudulent charges and late payment fees to my XXXX XXXX account after it was closed. The payment was never late. The XXXXXXXX XXXX was closed, paid in full and has a XXXX balance. I disputed the charges with the credit card company. XXXX XXXX is engaging in fraudulent and scammy business practices. This is not my debt. I have an Identity Theft report that I can provide to support this. Please remove this account from my report.

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 — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I delivered a formal Notice of Intent to Sue ( NOITS ) via certified mail to Experians dispute office in XXXX, TX and corporate headquarters in XXXX XXXX, CA. The NOITS identified the specific item in dispute a XXXX XXXX XXXX  filed XX/XX/XXXX and discharged XX/XX/XXXX and demanded deletion or written verification documentation under the Fair Credit Reporting Act. 

On XX/XX/XXXX, Experian responded by email claiming it was unable to honor my request due to limited information regarding your dispute. This is false. My NOITS contained the bankruptcys filing and discharge dates, court name, address, and reference number. This appears to be an attempt to obstruct or delay processing in violation of 15 U.S.C. 1681i ( a ) ( 3 ) ( A ) ( frivolous dispute misclassification ) and a continuing failure to conduct a reasonable reinvestigation under 1681i ( a ) ( 1 ) ( A ).

Experians own reinvestigation earlier in XXXX concluded the bankruptcy remained unchanged, despite the U.S. Bankruptcy Court confirming in writing that it does not furnish or verify consumer data for Experian or any third-party vendor.

I request that the CFPB compel Experian to : Complete a proper reinvestigation of the disputed bankruptcy ; Delete the unverifiable public record from my file ; and Disclose the vendor or furnisher used to verify this 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 2025-10-24 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: CA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding multiple inaccurate, incomplete, and potentially unlawful entries on my credit report. I have repeatedly attempted to resolve these issues directly with the creditors and the credit bureaus, yet the inaccuracies persist, which violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. These inaccuracies are harming my ability to obtain credit and causing undue financial stress. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment Opened XX/XX/XXXX Balance {$200.00} XXXX XXXX The late payment listed is inaccurate. I have never missed or been delinquent on this account as per my personal records. Reporting this as late violates FCRA 1681s-2 ( b ), which requires furnishers to provide accurate information. I request deletion or correction of this false late payment. My documentation proves timely payments, and the bureau must ensure reporting reflects reality. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Chargeoff Opened XX/XX/XXXX Balance {$71.00} XXXX XXXX This account has been erroneously reported as a charge-off. I never received proper notice of default, nor did I authorize such reporting. Under FCRA 1681i ( a ) and 1681s-2 ( b ), I have the right to have this item fully verified before reporting. The failure to validate this account demonstrates negligence and misreporting. I request its immediate removal until full verification can be provided. 

XXXX Inquiry XX/XX/XXXX This inquiry was unauthorized and made without my consent. FCRA 604 ( a ) prohibits reporting inquiries without explicit consumer permission. I dispute this inquiry and demand its deletion from my credit file. Unauthorized inquiries are harmful, lowering my credit score and violating my privacy rights. 

XXXX XXXX XXXX Inquiry XX/XX/XXXX This inquiry is also unauthorized and lacks my written or verbal consent. Under FCRA 604 ( a ), reporting this inquiry without authorization is a clear violation. I demand its immediate removal. Continued reporting of unauthorized inquiries constitutes willful noncompliance with federal law and damages my financial standing.

I demand that all disputed accounts and inquiries be fully reinvestigated in accordance with FCRA 611 and that inaccurate information be corrected or deleted promptly. Continued reporting of false or unauthorized information constitutes willful noncompliance and exposes the furnishers and credit reporting agencies to statutory damages under FCRA 1681n. I expect written confirmation of all actions taken to correct these inaccuracies.

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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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: NC

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPT XXXX EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF ED/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

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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I am filing a complaint regarding a collection accounts that XXXX XXXX XXXX XXXX has reported on my equifax, experian, and transunion report. These accounts is being reported on my equifax, experian, and transunion credit bureaus, but I have not received proper validation or documentation to verify that this debt belongs to me or that XXXX XXXX XXXX XXXX has the legal right to collect or report it. I requested validation of the debt from XXXX XXXX XXXX XXXX under the Fair Debt Collection Practices Act ( FDCPA ) but have not received sufficient proof, such as a copy of the original signed agreement, itemized statement, or assignment of ownership from the original creditor. Despite this, the company continues to report the collection on my credit file, negatively impacting my credit score and causing financial harm. Additionally, the company has failed to provide clear information about the original creditor, date of default, and how the current balance was calculated. I believe this may constitute violations of both the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), as the information appears to be inaccurate and unverifiable.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I am filing a complaint regarding a collection accounts that XXXX XXXX XXXX XXXX has reported on my equifax, experian, and transunion report. These accounts is being reported on my equifax, experian, and transunion credit bureaus, but I have not received proper validation or documentation to verify that this debt belongs to me or that XXXX XXXX XXXX XXXX has the legal right to collect or report it. I requested validation of the debt from XXXX XXXX XXXX XXXX under the Fair Debt Collection Practices Act ( FDCPA ) but have not received sufficient proof, such as a copy of the original signed agreement, itemized statement, or assignment of ownership from the original creditor. Despite this, the company continues to report the collection on my credit file, negatively impacting my credit score and causing financial harm. Additionally, the company has failed to provide clear information about the original creditor, date of default, and how the current balance was calculated. I believe this may constitute violations of both the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), as the information appears to be inaccurate and unverifiable.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: NJ

Complaint narrative:
To Whom This May Concern, I, XXXX XXXX, have received information regarding a debt that is being claimed against me. Through my rights, in accordance with 15 U.S. Code 1692g, I hold the right to verify the total debt amount, including any fees, and who the original party that is making the claim. After receiving such information, I will review and respond within the 30-day period allotted to me under federal law.

If it is found that there is no evidence of this debt under my name, then I demand that all credit bureaus and financial institutions be made aware or a complaint will be filed to the respective local or federal agency.

Furthermore, I request that you cease and desist any future telephone communication, whether through my residential or employment numbers. I am aware of the request for payment by your company and any further telephone communication shall be considered harassment in violation of 15 U.S. Code 1692d and shall be subject to State and Federal penalties.

I appreciate your efforts in this matter and look forward to your response. 

Regards, XXXX XXXX

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: FL

Complaint narrative:
Ive submitt request to have XXXX accounts removed from my credit report which were military star, bridgecrest and credit acceptance and today i pulled my credit report and all XX/XX/XXXX are still being reported. what i got from experian was an update that my information has been updated and thats it nothing changed and nothing was 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 explanation
Consumer complaint received 2025-10-24 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXXXXXX 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 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 status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Re-Aged & Duplicate Account FCRA 1681i, 1681s-2, 1681c I am writing to formally dispute inaccurate and re-aged information on my credit report under my rights granted by the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

The accounts listed below appear to reflect the same debt, which has been improperly re-aged and duplicated across multiple furnishers : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account opened : XX/XX/XXXX Status : Charged off for {$520.00} Balance : {$0.00} ( closed ) XXXX XXXX XXXX XXXX Account opened : XX/XX/XXXX Balance : {$520.00} Reported as collection / charge-off These are the same debt. The original creditor ( XXXX XXXX ) wrote off the balance in XXXX. XXXX XXXX is now reporting it as a new account opened in XXXX, extending the reporting period and re-aging the debt.

This violates : FCRA 605 ( 15 U.S.C. 1681c ) prohibiting re-aging of debts, FCRA 623 ( a ) & ( b ) ( 15 U.S.C. 1681s-2 ) requiring accurate reporting and proper reinvestigation, and FCRA 611 ( 15 U.S.C. 1681i ) mandating deletion of unverifiable or inaccurate information within 30 days. I request immediate deletion of all unverifiable, inaccurate, or duplicate entries related to this debt from my
credit file.

Please provide : 1. The date of first delinquency used to calculate the 7-year reporting period, 2. Documentation used to verify the XXXX XXXX entry, and XXXX. Written confirmation once these accounts are corrected or deleted.

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: FL

Complaint narrative:
What happened? This agency is in violation of XXXX XXXX XXXX. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
What happened? This agency is in violation of XXXX XXXX XXXX. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items.

The identity of the entity/entities responsible for carrying out this verification.

Any documentation or evidence used to support the accuracy of the disputed items.

I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

Company response to consumer: Closed with explanation