vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: SC

Complaint narrative:
Subject : Complaint Regarding Unlawful Reporting and Debt Validation XXXX XXXX / Firstmark Services Dear Consumer Financial Protection Bureau, My name is XXXX XXXX XXXX, and I am writing to formally file a complaint against XXXX XXXX and its loan servicer, Firstmark Services, regarding a student loan I cosigned for my daughter, XXXX XXXX XXXX. 

As of XX/XX/year>, the loan was transferred from XXXX XXXX  to Firstmark Services for servicing. Upon receiving the first billing statement from Firstmark, I noticed that the loan amount and APR were not consistent with the original agreement I entered into with XXXX XXXX  at the time of signing. 

I immediately contacted Firstmark Services and requested a validation of the debt, including : A copy of the original signed loan agreement A detailed payment breakdown An explanation of the interest rate and balance calculations To date, I have only received a set of disjointed pages that appear to be generic or reconstructed loan documentation not a legitimate, signed contract or verifiable loan agreement. This does not satisfy the requirements of proper debt validation under the Fair Debt Collection Practices Act ( FDCPA ). 

Despite this, Firstmark Services has continued to report this account as late to the credit bureaus, which has significantly and unjustly impacted my credit score. Reporting an account as delinquent without proper debt validation is unlawful, and I believe this constitutes a violation of federal consumer protection laws. 

I am seeking the following resolutions : Immediate investigation into the practices of XXXX XXXX  and Firstmark Services regarding this loan transfer. 

A formal request that Firstmark provide a valid, signed contract and full payment agreement as originally issued by XXXX XXXX. 

A demand that all negative credit reporting be corrected or removed until proper validation of the debt is provided. 

Assurance that both XXXX and Firstmark are held accountable for any violations of the FDCPA, FCRA, or other applicable consumer protection laws. 

I have kept records of all communications and documents provided to me thus far and will gladly provide them upon request. I respectfully request your assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XX/XX/XXXX Experian Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

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 2025-05-26 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX U.S. Code XXXX ) for deceptive and misleading reporting.

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 2025-05-26 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX U.S. Code XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: GA

Complaint narrative:
I was affected by a recent data breach, and unauthorized accounts have shown up on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), please block and delete these accounts within XXXX  days : 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 XXXX : XXXX XXXX XXXX XXXX GA XXXX XXXX delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX Account Number : XXXX * * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries XXXX XXXX Date : XX/XX/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 2025-05-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes 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 non-monetary relief
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I will be appearing before the 9th District Court in XXXX Florida for numerous consumer rights violations. Equifax, Experian and Trans Union have all ignored written requests and complaints and the CFB is complicit as you know they are violating these rights and do nothing about it. FEDERAL LAW DOES NOT GIVE YOU AS MUCH TIME AS YOU WANT TO IGNOREW CONSUMERS AND PROTECT YOUR CUSTOMERS. 

The CEO of each company will be named as a DEFENDANT served a subpoena and will need to appear for hearings and depositions once this if filed against each company. You have underestimated the power of the courts once again. You have been sued over and over again for the same things as I am suing for, and you blatantly disregard those sanctions that were lodged against you whether it be money or other penalties you continue to do so. I am also based on the many lost suites that you have faced going to contact the FBI because at some pint this becomes criminal. This is an organized individual company effort to defraud the consumer and that will fall under RICO. 

LAST WARNING!!!!!!! I want a Call on XXXX  by XXXX by Experian XXXX Equifax XXXX and Trans Union XXXX XXXX if I do not hear from you with an immediate resolution your CEO of each company will be named as a defendant on Wednesday XX/XX/year>. 

GOVERN YOURSELF ACCORDINGLY

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 2025-05-26 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: CT

Complaint narrative:
Due to a data breach that exposed my personal information, fraudulent accounts have surfaced on my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), block and delete them within 4 days : 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 XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$4700.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$7100.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$2200.00} XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXXcount Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2500.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$9400.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$7000.00} XXXX XXXXXXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$7200.00} XXXXXXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$8800.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$240.00} XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: TX

Complaint narrative:
My credit file has been compromised as a result of a data breach, causing fraudulent accounts to be listed. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I demand these accounts be blocked and removed within 4 days : 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 XXXX TX XXXX XXXX delete and block the following accounts from my credit report XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$580.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$320.00} XXXX XXXX - Account Number : XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2500.00} XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2500.00} Inquiries XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/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 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX IN CO Balance : {$57.00} Open Date XX/XX/year> 2021

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: DC

Complaint narrative:
Im writing to inform you that Ive fallen victim to a data breach, and fraudulent accounts have been added to my credit file. Pursuant to Section XXXX of the Fair Credit Reporting Act ( XXXX XXXX. XXXX ( a ) ), I request that you block and remove the following accounts from my report within XXXX  days : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  DC XXXX XXXX delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$130.00} Inquiries XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX AL Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/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 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I made a full auto payment of XXXX on XX/XX/XXXX for a note due on XX/XX/XXXX. I told them my husband was opening a new account to pay from. They told me that as long as the payment was received no later than XX/XX/XXXX, there would be no impact to my credit because it would not be 30 days late. They also confirmed that if I wanted to skip two payments I was eligible. I took the offer. I confirmed that the XXXX payment would be applied and that my next note would not be due until XX/XX/XXXX, placing XXXX and XXXX at the end of my term. 

The rep admitted the paperwork they sent me to sign for the XXXX and XXXX skip-a-payment program was a bit confusing and that I should make the full payment for XXXX and I would be all squared away until XX/XX/XXXX. The full payment would be applied to XXXX. 

I received a credit alert on XX/XX/XXXX that XXXX had flagged my account as 30 days past due ( less than 2 months behind ). I couldn't believe it after they assured me this would be reported with no impact to my credit. They reported only a partial payment which was not true. I paid the full amount at 26 days out. I find speaking with their reps very difficult. If they do not fix this immediately I would like the last XXXX recordings pulled for review where you can clearly hear them confirm my payment status and agreements. I haven't had a blemish to my payment history in at least 15 years or more and I pride myself on that. I do not gamble with my credit and pay responsibly. My score went down XXXX points in XXXX day because of their error. This is not acceptable and has me very upset as a customer.

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 2025-05-26 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: TX

Complaint narrative:
I made a full auto payment of XXXX on XX/XX/XXXX for a note due on XX/XX/XXXX. I told them my husband was opening a new account to pay from. They told me that as long as the payment was received no later than XX/XX/XXXX, there would be no impact to my credit because it would not be 30 days late. They also confirmed that if I wanted to skip XXXX payments I was eligible. I took the offer. I confirmed that the XXXX payment would be applied and that my next note would not be due until XX/XX/XXXX, placing XXXX and XXXX at the end of my term. 

The rep admitted the paperwork they sent me to sign for the XXXX and XXXX skip-a-payment program was a bit confusing and that I should make the full payment for XXXX and I would be all squared away until XX/XX/XXXX. The full payment would be applied to XXXX. 

I received a credit alert on XX/XX/XXXX that XXXX had flagged my account as 30 days past due ( less than 2 months behind ). I couldn't believe it after they assured me this would be reported with no impact to my credit. They reported only a partial payment which was not true. I paid the full amount at 26 days out. I find speaking with their reps very difficult. If they do not fix this immediately I would like the last XXXX recordings pulled for review where you can clearly hear them confirm my payment status and agreements. I haven't had a blemish to my payment history in at least 15 years or more and I pride myself on that. I do not gamble with my credit and pay responsibly. My score went down XXXX points in XXXX day because of their error. This is not acceptable and has me very upset as a customer.

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 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I made a full auto payment of XXXX on XX/XX/XXXX for a note due on XX/XX/XXXX. I told them my husband was opening a new account to pay from. They told me that as long as the payment was received no later than XX/XX/XXXX, there would be no impact to my credit because it would not be 30 days late. They also confirmed that if I wanted to skip XXXX payments I was eligible. I took the offer. I confirmed that the XXXX payment would be applied and that my next note would not be due until XX/XX/XXXX, placing XXXX and XXXX at the end of my term. 

The rep admitted the paperwork they sent me to sign for the XXXX and XXXX skip-a-payment program was a bit confusing and that I should make the full payment for XXXX and I would be all squared away until XX/XX/XXXX. The full payment would be applied to XXXX. 

I received a credit alert on XX/XX/XXXX that XXXX had flagged my account as 30 days past due ( less than 2 months behind ). I couldn't believe it after they assured me this would be reported with no impact to my credit. They reported only a partial payment which was not true. I paid the full amount at 26 days out. I find speaking with their reps very difficult. If they do not fix this immediately I would like the last XXXX recordings pulled for review where you can clearly hear them confirm my payment status and agreements. I haven't had a blemish to my payment history in at least 15 years or more and I pride myself on that. I do not gamble with my credit and pay responsibly. My score went down XXXX points in XXXX day because of their error. This is not acceptable and has me very upset as a customer.

Company response to consumer: Closed with explanation