vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Nelnet, Inc.
State: IA

Complaint narrative:
On XX/XX/XXXX I received a notification through XXXX that I had been reported 90 days past due by my Servicer Nelnet. I was extremely caught off guard as my account was in a current status and I had automated payments setup in XX/XX/XXXX. When I started to investigate I found that I could not login to the website and my last email from Nelnet was XX/XX/XXXX ( evidence attached to my complaint ). I found an email from the US Dept of Education on XX/XX/XXXX ( evidence attached to my complaint ), which is what prompted me to setup payments to avoid any problems however no email or mail was sent to indicate this. I called Nelnet today XX/XX/XXXX, to which they confirmed they changed my email address in XX/XX/XXXX as a result of the US Dept of Education notifying them my email bounced back and gave an updated address ( requested this evidence and Nelnet would not provide ). This evidence was requested on the call and the manager would not provide it. I requested evidence of notification of my personal information being changed via mail, the manager at Nelnet advised they did not send me anything alerting me my personal information was changed by them as a result of the US Dept of Education. I kindly requested Nelnet to remove the 90-day mark as I was never given notice of possible adverse action or that my loan was even delinquent. They advised I would have to dispute it with the US Dept of Education. I logged onto the studentaid.gov website to find my email address was still listed correctly and had never been removed like Nelnet claimed ( evidence attached in my complaint ).

I submitted my complaint with the US Dept of Education as well notifying them my personal information was updated inappropriately as it never changed ( email address and mailing address was still the same ) and they failed to notify me of them changing it inappropriately causing me to lose any ability to address my account status prior to the negative reporting. 

Ive never had a delinquent mark on my credit for my student loans ( attached evidence to my complaint ) and my score has dropped XXXX points for no reason. I have immediately paid what was said to be past due ( evidence attached to my complaint ) and again attempted to setup automatic payments with Nelnet ( evidence attached to my complaint ). This US Department of Education falsely notified my Servicer of incorrect information that I never provided, and never notified me of such changes via mail to allow me the opportunity to correct it until well after the damage was done.

This is damaging, deceitful, and harmful to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: EQUIFAX, INC.
State: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-10 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: IL

Complaint narrative:
I am submitting this dispute regarding a fraudulent collection account that has been reported on my credit file. The details of the fraudulent account are as follows : Collection Agency : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, VA XXXX Original Creditor : XXXX XXXX Account Number : XXXX Balance : {$880.00} Date Opened : XX/XX/year> I do not recognize this account, nor do I have any contractual agreement with either XXXX XXXX XXXX or XXXX XXXX. I have been a victim of identity theft, and this collection account was fraudulently opened in my name without my authorization. 

I am providing the following supporting documentation to substantiate my claim and request the immediate removal of this account from my TransUnion credit report : Affidavit of Fraud ( Attached ) FTC Identity Theft Report ( Attached ) Copy of my Government-Issued ID ( for identity verification ) Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681c-2, I formally request that TransUnion block and remove this fraudulent collection account from my credit report. As required by law, credit bureaus must remove fraudulent information within XXXX  business days upon receipt of proper documentation.

Please investigate this matter promptly and provide me with an update regarding the status of this dispute. I request written confirmation once this account has been 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 2025-03-10 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: GA

Complaint narrative:
I reached out to Experian due to some incorrect items that were reporting on my credit profile, Experian told me that they would conduct an investigation but they did not perform it and the damaging, unverified information is causing me finanical hardship.

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 2025-03-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: M&T BANK CORPORATION
State: OK

Complaint narrative:
XX/XX/XXXX I faxed and mailed my XXXX XXXX XXXX XXXX from the XXXX XXXX XXXX XXXX XXXX M & T Bank, Mortgage Court, Tax Dept, XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
XX/XX/XXXX I received a letter from M & T stating that they paid property taxes on my tax exemption property despite of receiving my property exemption Letter. I also received a letter from M & T Bank stating they have adjusted my tax line, but it did not reflect the correct line to eliminate my property taxes. 
XX/XX/XXXX I sent a certified letter to XXXX XXXX XXXX, XXXX XXXX M & T Bank, requesting my XXXX tax refund of {$3200.00}, and to adjust my tax line correctly. I did receive a call from XXXX XXXX XXXX M & T Bank but no results. 
XX/XX/XXXX I sent a second certified letter to the CEO of M & T Bank, letting him know I have no results. Now I am being completed ignored.

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 2025-03-10 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:
My account with TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-03-10 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: EQUIFAX, INC.
State: DE

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/ information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: IL

Complaint narrative:
I am submitting this dispute regarding a fraudulent collection account that has been reported on my credit file. The details of the fraudulent account are as follows : Collection Agency : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, VA XXXX Original Creditor : XXXX XXXX Account Number : XXXX Balance : {$1000.00} Date Opened : XX/XX/year> I do not recognize this account, nor do I have any contractual agreement with either XXXX XXXX XXXX or XXXX XXXX. I have been a victim of identity theft, and this collection account was fraudulently opened in my name without my authorization. 

I am providing the following supporting documentation to substantiate my claim and request the immediate removal of this account from my TransUnion credit report : Affidavit of Fraud ( Attached ) FTC Identity Theft Report ( Attached ) Copy of my Government-Issued ID ( for identity verification ) Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681c-2, I formally request that TransUnion block and remove this fraudulent collection account from my credit report. As required by law, credit bureaus must remove fraudulent information within XXXX  business days upon receipt of proper documentation.

Please investigate this matter promptly and provide me with an update regarding the status of this dispute. I request written confirmation once this account has been 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 2025-03-10 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: GA

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant XXXX  to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: IL

Complaint narrative:
My identity was stolen in XXXX. Because of that, there were multiple accounts opened in my name. That I had no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: TN

Complaint narrative:
Subject : Formal Dispute of Inaccurate Credit Information ( Account # XXXX / XXXX ) I am writing to formally dispute the inaccurate and inconsistent information being reported on my credit file regarding the above-referenced account. The details across TransUnion and Equifax reports are inconsistent and incorrect. Please consider this letter as a formal request to investigate, validate, and correct the following inaccuracies : Disputed Items : Equifax : The payment history inaccurately reflects numerous late payments, including XXXX late ( XXXX days ), XXXX late ( XXXX  days ), and XXXX late ( XXXX  days ) over the past XXXX years. 

The account is listed under " XXXX XXXX, XXXX XXXX, '' while TransUnion classifies it as an " XXXX '' account. 

I request a full investigation and immediate removal of any inaccurate late payments that can not be verified with proper documentation. 

TransUnion : Although this account appears on my report, I request verification of the reported " Charged off as bad debt '' status and the accuracy of the balance information. 

Requested Actions : Provide me with written validation from the original creditor for the reporting details. 

Correct any inaccurate information or delete unverifiable data from my credit file. 

Update the status across all credit bureaus to ensure consistency. 

Send me written confirmation once the investigation has been completed. 

Supporting Documentation : Copy of my government-issued ID. 

Proof of current address. 

Copy of the relevant credit report sections highlighting the disputed information. 

I request that this investigation be completed in accordance with the Fair Credit Reporting Act ( FCRA ) within the XXXX timeframe. If the information can not be verified, it must be removed from my credit file. 

Thank you for your prompt 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 non-monetary relief
Consumer complaint received 2025-03-10 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: TN

Complaint narrative:
Subject : Formal Dispute of Inaccurate Credit Information ( Account # XXXX / XXXX ) I am writing to formally dispute the inaccurate and inconsistent information being reported on my credit file regarding the above-referenced account. The details across TransUnion and Equifax reports are inconsistent and incorrect. Please consider this letter as a formal request to investigate, validate, and correct the following inaccuracies : Disputed Items : Equifax : The payment history inaccurately reflects numerous late payments, including XXXX late ( XXXX days ), XXXX late ( XXXX  days ), and XXXX late ( XXXX  days ) over the past XXXX years. 

The account is listed under " XXXX XXXX, XXXX XXXX, '' while TransUnion classifies it as an " XXXX '' account. 

I request a full investigation and immediate removal of any inaccurate late payments that can not be verified with proper documentation. 

TransUnion : Although this account appears on my report, I request verification of the reported " Charged off as bad debt '' status and the accuracy of the balance information. 

Requested Actions : Provide me with written validation from the original creditor for the reporting details. 

Correct any inaccurate information or delete unverifiable data from my credit file. 

Update the status across all credit bureaus to ensure consistency. 

Send me written confirmation once the investigation has been completed. 

Supporting Documentation : Copy of my government-issued ID. 

Proof of current address. 

Copy of the relevant credit report sections highlighting the disputed information. 

I request that this investigation be completed in accordance with the Fair Credit Reporting Act ( FCRA ) within the XXXX timeframe. If the information can not be verified, it must be removed from my credit file. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/year> I placed an dispute on transunion about my credit report saying that I was not current on my XXXX  XXXX account in which I was. Instead of updating the information they decreased my credit score saying the amount of my account increased in which it did not. I pay the same amount every month on my account, some times i pay a little more. Also Equifax decided to drop my credit score saying that my account balance decreased which are conflicting reasons to drop my credit score which violates the Fair credit reporting act. Also violates Usc 1681q, Usc1681i. Also the Fair and Accurate Credit Transactions Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: TN

Complaint narrative:
Subject : Formal Dispute of Inaccurate Credit Information ( Account # XXXX ) ) To Whom It May Concern, I am writing to formally dispute the inaccurate and inconsistent information being reported on my credit file regarding the above-referenced account with XXXX/XXXX  XXXX. The details across TransUnion and Experian reports are inconsistent and incorrect. Please consider this letter as a formal request to investigate, validate, and correct the following inaccuracies : Disputed Items : TransUnion : The account is inaccurately marked as " Collection account '' with an " Indeterminate '' status. However, the balance is reported as {$0.00}, and no payments have been missed. 

I request a thorough investigation and the removal of the " Collection account '' status if it can not be verified with valid documentation. 

Experian : The account inaccurately reflects multiple late payments, including XXXX  late ( XXXX  days ), XXXX  late ( XXXX  days ), and XXXX  late ( XXXX  days ).

The status " Seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department '' contradicts the fact that the account balance is {$0.00} and has been transferred to another lender. 

I request a full investigation and correction or removal of all inaccurate late payment notations and account status. 

Requested Actions : Provide me with written validation from the original creditor for the reporting details. 

Correct any inaccurate information or delete unverifiable data from my credit file. 

Update the status across all credit bureaus to ensure consistency. 

Send me written confirmation once the investigation has been completed.

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 2025-03-10 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: EQUIFAX, INC.
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally report a data breach that has resulted in unauthorized access to my personal information, including the wrongful inquiry into my credit history. I have recently discovered that someone has opened credit cards and utility accounts in my name without my consent, resulting in charge-offs that have damaged my credit score tremendously. In addition, I have found multiple hard inquiries on my credit report that I did not initiate, along with charges on my credit card accounts that I did not authorize. These unauthorized actions harmed my credit score and indicated serious fraudulent activity involving my personal information. I am deeply concerned about how this affects my financial security and integrity. I request an immediate investigation into these unauthorized inquiries, charges, and the fraudulent accounts opened in my name. It is crucial to take necessary actions to rectify this situation and to enhance preventive measures to protect consumers like myself from such breaches in the future. Thank you for addressing this matter with urgency.

Company response to consumer: Closed with explanation