vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
I had a federal student loan from XXXX, for {$500.00}. It was transferred to navient years ago and navient put the account in forbearance without explaining how interest would accrued etc, the balance is now showing over {$1000.00}. I was never informed that the loan was taken over by Nelnet, as it still shows as under XXXX on XXXX and XXXX credit reports. I tried to dispute with each as its no longer with navient as I recently learned but, they didnt remove it from my credit reports as such. In addition, the loan was in forbearance ( automatically ) under the cares act during COVID19, I was unaware that Nelnet was the new loan servicer, I Never received any mailings, emails or phone calls from nelnet in only found out it was with them by checking XXXX credit, however it always showed as positive with no payment due including for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, when I checked my credit in XX/XX/XXXX my score dropped by XXXX points solely due to this student loan they reported it as 90 days past due and I had no idea that a payment was even due. I immediately found the contact info and called them very upset because Ive worked very hard on my credit over past years to get approved for a mortgage in the near future but, this loan from 17 years ago that I honestly didnt know anything about is now hindering my mortgage approval by their negligence in informing me properly of any upcoming or resumed payments. The phone number and email address they had for me has been inactive for years, and I have no access to either. The mailing address they had listed was inaccurate at the time of their mailing as I didnt officially move into the home nor did I legally change my address or license yet. Therefore, I never received anything from them. My family had to move 4 times since the pandemic so addresses have changed often and lots of mail has been lost as a result. Ive since made a payment plan with them however, I would like to have the 90 day late payment report removed from my credit as I was Not informed properly by nelnet at all

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I went to apply for a car loan and multiple companies hit my credit without my knowledge and applying to banks without my knowledge or permission, also some of the creditors have not taken me off of my report after being some years its still affecting my credit and it has been over several years and some of the accounts that were created were created by my spouse, who is no longer alive some of these other people that are creditors are affecting my credit score and taking all points when they shouldnt even be on my credit report I also have insurance for medical and some of the bills werent paid and these creditors are hitting my credit score. Also, I have student loans that shouldnt even be on my credit because I am XXXX and I sent in a XXXX form to the private lenders who gave me the student loans so it shouldnt even be on my report and I have auto loans on my report that dont belong to me. It belongs to a relative and someone bought the loan and theyre still affecting my credit when it shouldnt even be on my credit, somebody else bought the loan the loan belongs to someone else for the car loans. Therefore it should not be on my credit and affecting my credit capital one keeps affecting my credit and lowering my credit score. A lot of these car dealers that I went to applied to multiple lenders without telling me they didnt tell me that they were gon na apply to the same lenders over and over again. They only told me that they had in-house lenders and that they were only gon na apply to one or two banks they deceive me to try to get me approved for a car loan by applying to multiple lenders without my knowledge just to get me approved so that they can get a sale and its not fair because I didnt even get a car even though they got me approved because they applied to multiple lenders so now my credit score is affected by all of these things

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: Affirm Holdings, Inc
State: IL

Complaint narrative:
Dear CFPB, I am reaching out regarding my Affirm loan with a balance of {$190.00}. Due to financial hardship, unemployment, and a recent XXXX XXXX, I attempted to negotiate a payment arrangement but never received a response from Affirm. 

Upon reviewing my credit report, I noticed that the account has been charged off and is past due as of XX/XX/year>. However, I have yet to receive a 1099 form for the balance. 

I would appreciate any assistance in resolving this matter. 

Thank you for your time and support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: OH

Complaint narrative:
This CEPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate and false information consist of A credit card opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. A personal credit card opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the collections in question as well as a copy of the consumer FICO credit report maintained by you wnich shows the atorementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts and collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquines are the result of identity theft and fraud.

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 2025-03-15 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: OH

Complaint narrative:
This CEPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate and false information consist of A credit card opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. A personal credit card opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the collections in question as well as a copy of the consumer FICO credit report maintained by you wnich shows the atorementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts and collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquines are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 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: OH

Complaint narrative:
This CEPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, TransUnion credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate and false information consist of A credit card opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. A personal credit card opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the collections in question as well as a copy of the consumer FICO credit report maintained by you wnich shows the atorementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts and collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquines are the result of identity theft and fraud.

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 2025-03-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Momnt Technologies, Inc.
State: TX

Complaint narrative:
I had a contractor inspect my residence to replace seven exterior windows and two doors. The contractor ( XXXX XXXX XXXXXXXX ) provided direct financing through Momnt to finance the project. A loan of {$25000.00} was obtained to finance the project. The contractor was approved through Momnt to directly provide the consumer the loan to fund the construction projects. On XX/XX/XXXX, the contractor never showed up to initiate the project as was scheduled only for me to find out they had gone out of business and kept the {$25000.00} loan. I immediately contacted Momnt, the XXXX XXXX Police Department, Federal Trade Commission and OAG of Texas Consumer Protection Division. I filled investigations for theft and fraud. Yesterday, I received an email from Momnt where the loan was suspended for the amount of {$24000.00} and not {$25000.00}. I paid {$840.00} toward the loan prior to XX/XX/XXXX where there would be a breach in contract. I contacted Momnt on XX/XX/XXXX upon receiving an email with the results of the investigation and found out they paid the outstanding balance {$24000.00} but would keep my {$840.00} what I had paid into the loan. I informed the lady I spoke with that I was told when the investigation was completed I would be refunded the amount I paid into the loan as I did not receive any benefit from the loan. I was told that I had agreed to let Momnt keep what I had already paid into the loan and they would pay off the rest to suspend the loan. During the investigation process I kept on calling to get updates and I was informed I would be getting the money I paid into the loan refunded upon the conclusion of the investigation. I did not consent to allow Momnt to keep the money I had paid into the loan. This contractor obtained multiple loans in Texas, California, Arizona and New Mexico through Momnt and did not complete the construction projects as agreed with the consumers. Such practice opens Momnt up for a class action law suit due to approving a merchant for funding on projects XXXXXXXX XXXX XXXX never intiated and were paid for upfront by Momnt. I want the money I paid into the loan back as I did not agree for Momnt to keep the money I had already paid into the loan prior to finding out the contractor was a fraud.

Momnt approves the vendors as legitimate businesses to provide direct financing through them to consumers. Momnt has the responsibility to ensure the vendor they are financing is reputable in the businesses practices they are in business with or terminate the contract with the vendor.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: CA

Complaint narrative:
I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report. 
Please verify or remove immediately the following accounts : Jefferson Capital LIc XXXX XXXX I previously disputed this account stating : " I never had a contract with this debt collector for any debt. '' I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ) you must complete this reinvestigation within 30 days of receipt of this letter. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I submitted my ftc identity theft report with corresponding proof of identity on XX/XX/XXXX. I called the company to confirm receipt and they informed me that it appeared to come from a 3rd party and they couldn't accept it. I confirmed that I typed the letter and mailed the letter myself and they still wouldn't process my identity theft paperwork. Please help, this is hindering me from moving forward with my life financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I submitted my ftc identity theft report with corresponding proof of identity on XX/XX/XXXX. I called the company to confirm receipt and they informed me that it appeared to come from a 3rd party and they couldn't accept it. I confirmed that I typed the letter and mailed the letter myself and they still wouldn't process my identity theft paperwork. Please help, this is hindering me from moving forward with my life financially.

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 2025-03-15 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: CA

Complaint narrative:
This company is showing on my credit for student loans. I have no idea who XXXX, is. These are student loans that should have been discharged with the others. Because XXXX XXXX was a fraud college. I have provided all this information to the Department of Education and Nelent. The program I was in was for the Court Reporting program. There was a male instructor who was not in court reporting but was from the Massage program, he was having an affair with a student, he had no education on court reporting or degree. Another instructor was always intoxicated, nice friendly instructor knew her stuff, but the instructor from the court reporting shared that information. There were not enough instructors it proved me from receiving a degree for a court reporter. Now the school is shut down. I should not have to pay for these student loans. Now to find out XXXX XXXX violated my privacy with this DODGE program. There was no judge involved in giving him permission to access any information about student loans. I can not afford pay for these student loans with no degree, no great job opportunity as a court reporter because I was never given the education. I am currently living in my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am writing to formally notify you of your failure to comply with the Fair Credit Reporting Act ( FCRA ) and to demand immediate correction of my credit file. Despite my previous dispute regarding fraudulent accounts, names, and addresses, you have refused to remove inaccurate and unverifiable information, which is a direct violation of my rights under federal law. 

Violations of the Fair Credit Reporting Act ( FCRA ) Failure to Investigate and Remove Inaccuracies ( 15 U.S.C. 1681i ) The FCRA requires credit bureaus to investigate and remove fraudulent or inaccurate information within 30 days of a dispute. You have failed to do so.

Failure to Correct or Delete Unverifiable Information ( 15 U.S.C. 1681c ) Any information that can not be verified must be deleted from my credit report. Retaining fraudulent data in my file violates this requirement. 
Failure to Provide a Fair and Accurate Credit Report ( 15 U.S.C. 1681e ( b ) ) Credit bureaus are required to ensure that the information they report is complete, accurate, and up-to-date. Your failure to remove false data has harmed my creditworthiness.

Failure to Provide Documentation ( 15 U.S.C. 1681g ) Upon my request, you are legally required to provide information regarding how disputed accounts were verified. If you can not prove the legitimacy of the disputed accounts, they must be 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 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: MT

Complaint narrative:
I have been unable to access my online account with MOHELA for several months. I receive an error message stating my account is locked and I must contact them to address but when I tried to call, and choose options related to account access, I am faced with 4-6 hr hold times ( Ive attempted calls on at least XX/XX/XXXX - waited 3.5hrs and had to end call due to other obligations & XX/XX/XXXX ). I have not been able to locate a way to message MOHELA as the ability to message is tied to having access to my account. I continue to get emails stating they have sent documentation which is only accessible on my online account, which I can not access, and do not send me paper mail ever ( which Ive received from other services and prefer ). Im concerned I have no up to date information and no clear route to access. I work 70hrs weekly and do not have 6hrs to wait online to clear up an access issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: GA

Complaint narrative:
I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not one credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 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 am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not one credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.

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