vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-24 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: NC

Complaint narrative:
To whom it may concern : I sent a request for investigation under FCRA 611 ( a ) to Experian, Equifax, TransUnion. The letter was sent in reference to the following accounts TRANSUNION AND EQUIFAX ARE REPORTING : XXXX. XXXX XXXX XXXX -Account Number : XXXX XXXX. XXXX XXXX - XXXX Account XXXX Noted. EXPERIAN is reporting the fraudulent account for XXXX. XXXX XXXX XXXX Account XXXX : XXXX. I am curious as to how you verified this information and would like to receive physical documentation to support this erroneous information on my report.FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. EXPERIAN, EQUIFAX, TRANSUNION has been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I am litigating this information due to it not being DELETED from my credit report. I have asked to not update or verify this information without doing a due diligence investigation. I have requested to be provided with a written contract with my WET SIGNATURE and physical documentation to support the information that is being reported and they have failed to do so. I have also requested not to receive a template letter in response to my previous requests due to me planning my legal case and that i needed SPECIFIC answers to the specific questions I have asked and i have not been supplied with that information. I have supplied my identity theft report, drivers license, utility bill to the bureaus regarding these accounts that are not mine.EQUIFAX, TRANSUNION, EXPERIAN have not supplied me with valid proof and they are still reporting fraudulent accounts after I have sent the proper information in if these accounts arent deleted IMMEDIATELY I will be moving forward with litigation.May i remind you that Equifax has been fined for improper investigations of credit reporting.By putting previously deleted errors back on credit reports and failing to block identity theft related information. may I also remind you Experian is currently being sued due to sham investigations and inaccurate information being reported and they are in violation of the FCRA, 15 U.S.C 1681i ( a ) ( 2 ) ( A ), 15 U.S.C 1681i ( a ) ( 5 ) ( A ), 15 U.S.C 1681i ( a ) ( 5 ) ( B ), ( C ). I would also like to remind you of XXXX XXXX Experian Information Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: NC

Complaint narrative:
To whom it may concern : I sent a request for investigation under FCRA 611 ( a ) to Experian, Equifax, TransUnion. The letter was sent in reference to the following accounts TRANSUNION AND EQUIFAX ARE REPORTING : XXXX. XXXX XXXX XXXX -Account Number : XXXX XXXX. XXXX XXXX - XXXX Account XXXX Noted. EXPERIAN is reporting the fraudulent account for XXXX. XXXX XXXX XXXX Account XXXX : XXXX. I am curious as to how you verified this information and would like to receive physical documentation to support this erroneous information on my report.FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. EXPERIAN, EQUIFAX, TRANSUNION has been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I am litigating this information due to it not being DELETED from my credit report. I have asked to not update or verify this information without doing a due diligence investigation. I have requested to be provided with a written contract with my WET SIGNATURE and physical documentation to support the information that is being reported and they have failed to do so. I have also requested not to receive a template letter in response to my previous requests due to me planning my legal case and that i needed SPECIFIC answers to the specific questions I have asked and i have not been supplied with that information. I have supplied my identity theft report, drivers license, utility bill to the bureaus regarding these accounts that are not mine.EQUIFAX, TRANSUNION, EXPERIAN have not supplied me with valid proof and they are still reporting fraudulent accounts after I have sent the proper information in if these accounts arent deleted IMMEDIATELY I will be moving forward with litigation.May i remind you that Equifax has been fined for improper investigations of credit reporting.By putting previously deleted errors back on credit reports and failing to block identity theft related information. may I also remind you Experian is currently being sued due to sham investigations and inaccurate information being reported and they are in violation of the FCRA, 15 U.S.C 1681i ( a ) ( 2 ) ( A ), 15 U.S.C 1681i ( a ) ( 5 ) ( A ), 15 U.S.C 1681i ( a ) ( 5 ) ( B ), ( C ). I would also like to remind you of XXXX XXXX Experian Information Solutions 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
Consumer complaint received 2025-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
RE : Formal Dispute and Debt Validation Demand Account # : XXXX To Whom It May Concern, This letter serves as a formal notice of dispute and demand for validation regarding the alleged debt reported by your company to the credit bureaus under the account number referenced above. I am asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

You are reporting a collection account with the following details : Account Name : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$730.00} Status : Collection account, past due as of XX/XX/XXXX On Record Until : XX/XX/XXXX Be advised : I dispute the validity and accuracy of this alleged debt in its entirety. Therefore, I demand the following documentation to substantiate your claim : 1. A signed contract or agreement bearing my signature establishing the alleged debt.

2. The name and contact information of the original creditor.

3. A complete payment history and full itemization of the debt ( including principal, interest, and fees ).

4. Proof that Midland Credit Management has the legal right to collect this debt in the state of Texas, including a copy of your Texas debt collection license.

5. A copy of the chain of assignment showing how and when the debt was transferred from the original creditor to your organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-04-24 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: SC

Complaint narrative:
On XX/XX/XXXX, I submitted a XXXX XXXX to Repayment application ( Case # XXXX ) through the U.S. Department of Education regarding my experience at XXXXXXXX XXXX XXXXXXXX XXXX XXXX ( MTSA ), Class of XXXX. My application includes multiple claims of school misconduct : - XXXX required students to work full-time at XXXX XXXX XXXX without pay, under the false assurance that wages would be applied toward tuition. No breakdown or transparency was ever provided, and there was no tuition offset. 
- The school demanded a {$4000.00} non-refundable deposit within two weeks of acceptance, several months before the program began. 
- XXXX falsely advertised that all instructors were CRNAs or XXXX, but assigned key coursework to individuals with no clinical background, undermining the quality of education and board preparation. 

It has now been over 16 months since I submitted this application. I have not received a decision, meaningful communication, or explanation for the delay. I have followed up multiple times by replying to the original confirmation email from XXXX, submitted a formal complaint to the FSA Ombudsman ( Case # XXXX ), sent a certified letter, and even filed a FOIA request for internal status updates. Still, no action has been taken. 

This prolonged inaction is causing financial harm and emotional distress. I am unable to make informed decisions about repayment or other financial planning, and the Department of Education has not met its obligation to process and resolve my claim in a reasonable timeframe.

I am requesting that the Consumer Financial Protection Bureau compel the Department of Education to respond to my Borrower Defense application and provide a final determination.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: DE

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: FL

Complaint narrative:
I don't recognize the following address. Please remove it immediately from my report XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I don't recognize the following employer. Please remove it immediately from my report XXXX XXXX XXXX My employer is 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 2025-04-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Rosebud Economic Development Corporation
State: TX

Complaint narrative:
I applied with this company with a revolving line of credit and was approved by the representative via phone and received a follow up text with the approval information. They had me repeat my private info and confirmed they would be sending {$500.00} of the {$1000.00} available to me on the same day. That night they sent me an email informing me I was denied and have refused to give me any justification or the factors they used to deny me. There are many online complaints of this same nature online.

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 2025-04-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: NC

Complaint narrative:
I am filing a complaint against Firstmark Services regarding a series of private student loans originally managed by XXXX and later transferred to Firstmark. I attended XXXXXXXX XXXX XXXX XXXX from XXXX and, like many students, was pushed into private loans with high interest rates that began accruing immediately even while I was in school. 

After graduation in XXXX, I faced significant difficulty securing employment and was forced to use forbearance multiple times between XXXX and XXXX. I was not provided with any viable income-based repayment options, and there was no meaningful explanation of the financial impact that forbearance and capitalized interest would have. As a result, my loan balance grew significantly beyond what I originally borrowed. 

Since XX/XX/XXXX, I have made consistent monthly payments, but due to compounding interest, almost none of my payments have reduced the principal. I am in the same position I was 6 years ago, despite regular payments. This appears to be a textbook example of a predatory loan structure designed to prevent borrower progress. 

I have recently submitted a formal request to Firstmark demanding all documentation, including the original promissory notes, transfer documentation, full payment history, and interest breakdowns, for each of the 56 separate loan accounts in my name. I am evaluating these loans for legal validity and potential violations of consumer protection laws. 

I am seeking regulatory assistance to : Investigate whether Firstmark has legal standing and documentation to collect on these loans Review the interest accrual practices and forbearance steering post-graduation Pressure Firstmark to engage in good-faith resolution, including possible balance reduction or settlement based on economic hardship and unfair servicing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am submitting a formal complaint regarding Citibanks failure to allow me to access or redeem over XXXX accumulated ThankYou points, despite my repeated efforts across the past year and a customer relationship spanning over 18 years.

I have been a Citibank customer since XXXX. Over the years, I have accumulated a significant amount of ThankYou points through consistent account usage. However, these points have become effectively unusable due to persistent website glitches, broken redemption pathways, and a complete breakdown of customer service.

Every attempt to redeem my pointswhether for travel, gift cards, or other advertised optionsresults in technical errors, redirects back to Citibanks homepage, or outright denial of access. In XXXX and XXXX, I attempted to resolve this issue repeatedly : I contacted Citibank and attempted resolution in XXXX, XXXX, XXXX, and XXXX of XXXX, and again in XXXX and XXXX of XXXX. 

In XX/XX/XXXX, I visited the XXXX Citibank branch in person, where I spent over two hours with both a bank teller and the branch manager. We called customer support together and still failed to resolve the issue. 

The branch manager acknowledged this is a recurring problem for many customers and appeared genuinely frustrated with Citibanks inability to support its own products. 

I was parked in Citibank 's one-hour designated parking during this visit. Because of the extended wait and failed resolution, I received a {$180.00} parking ticketjust to walk away empty-handed. 

I have spent over 10 hours on the phone with Citibank representatives in the last year. None were able to fix the issue or provide a meaningful escalation path. 

Additionally, my XXXX points from a citi premier card expired after account closing even when explicity confirmed by citibank that they would be transferred to my new citi thank you card. They expiered without explanation. This raises serious concerns about the transparency and integrity of Citibanks rewards program.

I am now leaving Citibank due to this ongoing failure. However, I request that the Consumer Financial Protection Bureau investigate this issue and take the following actions : Require Citibank to reinstate my expired ThankYou points.

Ensure those points are fully redeemable through a functioning system.

Review Citibanks marketing of their rewards program, which I believe constitutes false advertising given the non-functionality of the redemption portal.

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 2025-04-24 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: MI

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNKNOWN # XXXXXXXX XXXX XXXX {$980.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: CA

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-04-24 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: GA

Complaint narrative:
I am writing to formally request the removal of several phone numbers that do not belong to me from my credit file. After reviewing my credit report, I have noticed that these phone numbers have been incorrectly associated with my file. Below are the phone numbers that I request to be removed : ( 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 These numbers are not associated with my accounts, and their presence on my credit file is causing inaccuracies. As per the Fair Credit Reporting Act ( FCRA ), I am requesting that these entries be thoroughly investigated and removed from my credit report as soon as possible. 
Please confirm the removal of these incorrect phone numbers from my credit file and provide me with an updated copy of my credit report reflecting the changes. 
Thank you for your prompt attention to this matter. I look forward to your confirmation of the requested actions.

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