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

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC
State: OK

Complaint narrative:
Ive never been late on anything in the last XXXX  years. I was away from my home on business and my mother was supposed to pay the mortgage in my absence but failed to do so in a timely manner which resulted in a missed payment due to her not being tech savvy. Upon my arrival back home, I learned that the mortgage wasnt paid on time and I paid it and made it current from my XXXX XXXX  account when I found out the situation. From the time I paid it and made it current, I told the mortgage company that for now on the money for the mortgage will come directly from my XXXX  account to assure that theres no late or missed payments on my mortgage for the duration of the home loan. My mother is an XXXX  XXXX  on my mortgage and she was able to make payments on my absence but her neglect caused me to have a diminish on my record and I would like for it to be remedied since I made it current and it wasnt intentional in any form.

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: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Zions Debt Holdings
State: FL

Complaint narrative:
Zions debt holdings is a violation of XXXX XXXX XXXX ( FDCPA ) They hadnt given me a notice on a debt. They hadnt been validated or proven me as owner of such debt nor did they give me notice of such debt to be disputed. Nor have they proven that they themselves as the creditor an agreement was entered into signed agreement.

Company public response: Company disputes the facts presented in the complaint
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: MO

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account XXXX : [ XXXXXXXX XXXX XXXX XXXX XXXX ]

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 — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have disputed a debt collection on my credit report ( Experian ), and they removed it. However, my score dropped XXXX points, and it only went up XXXX points after it was removed. XXXX has falsely reported my credit through a credit collection call from XXXX XXXX XXXX . 
I have tried to dispute XXXX XXXX XXXX through Equifax ( XXXX XXXX ), but it is not giving me any options to dispute XXXX XXXX XXXX. I want all three Credit bureaus to investigate what is going on with my credit reporting. My score has been fair, with the only payment I have on my report being XXXX, and I have paid on time every Month since XXXX. I should have more than 35 % pay history on time. 
The proof I have that my report is incorrect is that I filed a complaint against XXXX under XXXX XXXX XXXX with CFPB ( XXXX ). XXXX has not reached out to me, and I have filed a complaint with the FCC ( Ticket # XXXX ). 
In the last few months, I have cleaned up my debt on my report, so I should have a higher FICO score. Under the Fair Credit Reporting Act, I should have a credit report that is correct. Currently, it is not accurate. Experian is showing XXXX as a negative impact when the other Credit Bureaus have XXXX as good standing.

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have disputed a debt collection on my credit report ( Experian ), and they removed it. However, my score dropped XXXX points, and it only went up XXXX points after it was removed. XXXX has falsely reported my credit through a credit collection call from XXXX XXXX XXXX . 
I have tried to dispute XXXX XXXX XXXX through Equifax ( XXXX XXXX ), but it is not giving me any options to dispute XXXX XXXX XXXX. I want all three Credit bureaus to investigate what is going on with my credit reporting. My score has been fair, with the only payment I have on my report being XXXX, and I have paid on time every Month since XXXX. I should have more than 35 % pay history on time. 
The proof I have that my report is incorrect is that I filed a complaint against XXXX under XXXX XXXX XXXX with CFPB ( XXXX ). XXXX has not reached out to me, and I have filed a complaint with the FCC ( Ticket # XXXX ). 
In the last few months, I have cleaned up my debt on my report, so I should have a higher FICO score. Under the Fair Credit Reporting Act, I should have a credit report that is correct. Currently, it is not accurate. Experian is showing XXXX as a negative impact when the other Credit Bureaus have XXXX as good standing.

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 belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
To : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX PA XXXX XXXX : XX/XX/year> Subject : Notice of Intent to Sue FCRA XXXX and XXXX Violations Dear Equifax, This serves as a formal Notice of Intent to Sue for your continued violation of the Fair Credit Reporting Act : XXXX : Failure to block a fraudulent account identified via an XXXX XXXX XXXX XXXX XXXXXXXX ( a ) ( XXXX ) ( B ) : Reinsertion of a deleted tradeline without certification or notice XXXX : Willful noncompliance I submitted a complete identity theft dispute regarding the XXXX Bank account XXXX in XXXX on XX/XX/year>, along with supporting evidence via CFPB Case XXXX XXXXXXXX. As of today, the tradeline remains on my report in violation of your statutory duty to block it within XXXX business days.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

I looked at my XXXX XXXX XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). 

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

And according to XXXX XXXX XXXX they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have encountered difficulties accessing my Equifax Information Services account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: PA

Complaint narrative:
To whom this XXXX concern, I am writing to formally request a review and correction of my student loan account due to what appears to be improperly applied interest charges during the XXXX plans administrative forbearance period. 

As you know, the Department of Education placed borrowers enrolled in the XXXX plan into administrative forbearance during the implementation period, with 0 % interest expected to accrue through XX/XX/XXXX. Despite being enrolled in the XXXX plan and making regular payments, a portion of each payment I made from XX/XX/XXXX through XX/XX/XXXX was applied toward interest, which contradicts this policy. 

Below is a summary of the payments I made during that period and the corresponding interest that was charged : Payment Date Payment Amount Applied to Interest XX/XX/XXXX {$400.00} {$150.00} XX/XX/XXXX {$150.00} {$110.00} XX/XX/XXXX {$200.00} {$100.00} XX/XX/XXXX {$170.00} {$97.00} XX/XX/XXXX {$170.00} {$83.00} XX/XX/XXXX {$220.00} {$110.00} XX/XX/XXXX {$250.00} {$120.00} XX/XX/XXXX {$200.00} {$63.00} XX/XX/XXXX {$300.00} {$100.00} XX/XX/XXXX {$250.00} {$90.00} XX/XX/XXXX {$270.00} {$89.00} XX/XX/XXXX {$300.00} {$100.00} Despite the ambiguity caused by ongoing changes to the XXXX plan, I have diligently continued to make payments toward my student loans and expected those payments to be applied entirely to principal during the 0 % interest period. I believe this shows good faith in upholding my responsibilities as a borrower, even while the system was undergoing transition. 

I respectfully request the following : A full investigation into my loan accounts forbearance and interest accrual history during the XXXX plan implementation period. 

A written explanation of why interest was charged during this timeframe despite being in the XXXX plan. 

A refund or reallocation of all interest that was inappropriately applied from XX/XX/XXXX through XX/XX/XXXX. 

A corrected payment and balance history showing the funds applied entirely to principal, as they should have been under 0 % interest conditions. 

Please confirm receipt of this request and inform me of the expected timeline for resolution. I would appreciate a prompt response, as this issue directly impacts the management of my repayment plan. 

Sincerely, XXXX XXXX NelNet account : XXXX

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
These accounts are being reported under my name without my knowledge or consent. I have never opened or managed them, and their presence on my credit report is both inaccurate and unacceptable. This false information misrepresents my financial history and raises serious concerns.

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: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NPG Associates, Inc.
State: SC

Complaint narrative:
NPG Associates of XXXX XXXX XXXX # XXXX, XXXX, CA, XXXX Office : ( XXXX ) XXXX tried to collect a debt ; the last payment was in XXXX. 
I did not take the debt out. I had my identity stolen in XXXX by a roommate who lives in Tennessee. 
The debt is beyond the 3-year statute of limitations of South Carolina . The agent stated the last payment was XX/XX/XXXX of XXXX. This is the sixth year of the debt, too. He stated he sent an email, XXXX, which has not existed since XXXX. 
The debtor 's phone number is XXXX. 
He also called my office number, which he did not have, over 4 times in a row, and is harassing me. 
The debt amount is {$2300.00} with XXXX XXXX XXXX 
XXXX XXXX

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Equifax Information Services XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ACCOUNTS : XXXX - Account Number : 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 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 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 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: 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:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant XXXX XXXX XXXX XXXX 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account XXXX : [ 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 2025-07-10 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: GA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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: NC

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 TILA XXXX Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have requested removal of all names and addresses and phone numbers to be removed along with description of reinvestigation procedure according to 15 USC 1681i ( 7 ) states if requested by consumer, this must be provided within 15 days in order to be in compliance with FCRA guideline. Failure to provide verification to me. I Have never lived at any address other than the one provided they refuse to move the address and phone numbers without this report. 
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 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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have requested removal of all names and addresses and phone numbers to be removed along with description of reinvestigation procedure according to 15 USC 1681i ( 7 ) states if requested by consumer, this must be provided within 15 days in order to be in compliance with FCRA guideline. Failure to provide verification to me. I Have never lived at any address other than the one provided they refuse to move the address and phone numbers without this report. 
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 non-monetary relief