vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 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: CA

Complaint narrative:
I am submitting this complaint to formally report the failure of one or more credit reporting agencies to correct inaccurate or misleading information on my credit report, despite multiple attempts to resolve the issue through the proper dispute channels. 

I have disputed the following inaccurate or misleading information with [ Experian / TransUnion / Equifax on multiple occasions, providing supporting documentation each time. 

Despite the evidence provided, the credit bureau ( s ) have either failed to investigate the dispute properly or have reinserted the inaccurate information without proper notice or justification. This continued inaccuracy is negatively affecting my creditworthiness, causing financial harm and limiting access to fair credit opportunities. 

I request that the CFPB review this matter and ensure that the credit reporting agencies fulfill their obligations under the Fair Credit Reporting Act ( FCRA ), including conducting a reasonable investigation, correcting or deleting inaccurate data, and providing proper documentation regarding the outcome of the dispute. 

I am attaching all relevant documents and correspondence for your review. Please let me know if any further information is needed.

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 2025-04-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: WI

Complaint narrative:
I have already explained this at length. The company refuses to show their math on how they were off by 70 days and XXXX although they admit it was their error in their favor. I do not trust any company who adds XXXX dollars onto an amount but refuses to show why or how. When asked how i paid group a to XXXX  and a week later it was 6 months behind they got mad and just tacked on 70 days and XXXX dollars and have said that it's not within my rights as a borrower to see or know why. I am not paying anything until I get this answer and i have contacted several law firms to see what my options are.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: IL

Complaint narrative:
I recently checked my credit report and noticed that there are several mistakes. Some of the accounts listed are completely wrong, and Im really frustrated by this. Ive read that credit bureau is supposed to verify this information, but it seems like they havent done that properly. Ive been trying to understand what happened, but it feels like they just accepted the wrong information without checking it. Its stressful because I dont know how this could affect my credit score or my ability to get approved for loans or credit in the future. 
XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$420.00}

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 2025-04-30 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: MD

Complaint narrative:
I am filing this complaint to report inaccurate and fraudulent information being reported on my credit file due to identity theft and multiple data breaches that compromised my personal information. 
My personal data was exposed in the following breaches : Equifax Data Breach ( XXXX ) XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, formally notified by letter on XX/XX/XXXX As a direct result of these breaches, fraudulent and inaccurate information has been reported on my credit profile. Specifically : XXXX. A charge-off account is being reported by XXXX, account number XXXX. This account contains numerous inaccuracies resulting from fraudulent data. 
XXXX. An unauthorized hard inquiry was made by XXXX XXXX which I did not authorize or initiate. 

I have already filed a formal FTC Identity Theft Report ( Report # XXXX ) and am exercising my rights under the Fair Credit Reporting Act, Section 605B ( 15 U.S.C. 1681c-2 ). This law entitles identity theft victims to request the blocking and removal of fraudulent information resulting from identity theft from their credit reports. 

I am demanding the following actions be taken without delay : Immediate deletion of the XXXX charge-off account ( XXXX ) from all credit reporting agencies. 
XXXX deletion of the unauthorized XXXX hard inquiry These items were added as a result of identity theft stemming from documented and verifiable data breaches. I am attaching the FTC Identity Theft Report and supporting documentation with this complaint. 

Thank you for your attention to this matter. I look forward to a swift and just resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: CO

Complaint narrative:
I am writing to follow up on my previous correspondence regarding several negative accounts appearing on my credit report due to identity theft, as detailed in my last letter. 

In my initial statement, I outlined the unauthorized transactions and accounts that have been fraudulently opened in my name, which have severely impacted my credit standing. I kindly requested the removal, blocking, or updating of these inaccurate entries, as well as a prompt response regarding the dispute 's timeline and process. 

Please provide an update on the current status of my case and confirm the steps that have been or will be taken to resolve this matter. If there is any additional information or documentation required, please let me know, as I am committed to assisting with the verification and correction process to ensure an accurate reflection of my credit report. 

I appreciate your time and consideration in addressing this issue. I look forward to your response and a timely resolution to restore the integrity of my credit record. 

Thank you once again for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: IL

Complaint narrative:
Ive noticed multiple times now that theres incorrect information showing up on my credit report, and its really stressing me out. Ive tried to get it fixed, but nothing seems to change. Its like these errors just keep getting ignored, even though I know the law says they have to be reviewed and updated within a certain time frame. Every time I check, I still see the same wrong details, and its causing me a lot of frustration. This is affecting my credit score and making it hard for me to get the things I need, like a loan or even a better credit card. I just dont understand why the information hasnt been corrected yet, especially since Ive followed the steps to dispute it. I really need someone to take a close look at my account and fix these mistakes once and for all. Its taking a toll on me, and I dont know what else to do at this point. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6700.00}

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 2025-04-30 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 hope this complaint finds you well. I would like to follow up on the complaints I sent to your attention regarding certain items on my credit report. 
As of today, I have not received any communication or updates regarding the resolution of the disputes I sent to the bureaus. I understand that the investigation process takes time, but I would like to inquire about the current status and any progress made in resolving the issues outlined in my previous communication. 
The following are the items that I would like to be removed from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$890.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$560.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$180.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 2025-04-30 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: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: CA

Complaint narrative:
This letter serves as a formal follow-up to my previous correspondence regarding your agency 's ongoing refusal to comply with the Fair Credit Reporting Act ( FCRA ), specifically in connection with my properly filed identity theft report submitted through IdentityTheft.gov.

To date, your agency has not provided any satisfactory justification for rejecting this report, nor have you taken the necessary steps to investigate or remove the clearly fraudulent accounts listed below from my credit file. As reiterated in my prior letter, federal lawincluding FCRA Section 605B and Section 617requires you to accept valid identity theft reports from consumers, including those submitted through the Federal Trade Commissions IdentityTheft.gov platform. Nowhere does the law require that such reports originate solely from a law enforcement agency.

Your continued rejection of my legally sufficient identity theft affidavit is not only unsupported by federal law but also constitutes willful noncompliance with the FCRA. This failure to act in accordance with clearly established legal procedures and CFPB guidance reflects blatant disregard for my rights as a consumer and victim of identity theft.

Let me be clear : This is your final notice. You are in violation of federal law by continuing to report and verify account that was opened fraudulently and which I have already disputed with appropriate documentation.

If I do not receive confirmation within 15 calendar days that these accounts have been permanently removed and that my credit file has been updated to reflect the resolution of this matter, I will proceed to : 1.File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General.

2.Initiate legal action for your violations of FCRA Section 617 and for any damages sustained as a result of your unlawful reporting and failure to investigate. 
XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX I will not allow your agencys inaction and disregard for federal mandates to continue harming my creditworthiness or personal integrity. 

This is your opportunity to correct the situation before further consequences are pursued. I strongly advise you to take it seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: IL

Complaint narrative:
Ive noticed multiple times now that theres incorrect information showing up on my credit report, and its really stressing me out. Ive tried to get it fixed, but nothing seems to change. Its like these errors just keep getting ignored, even though I know the law says they have to be reviewed and updated within a certain time frame. Every time I check, I still see the same wrong details, and its causing me a lot of frustration. This is affecting my credit score and making it hard for me to get the things I need, like a loan or even a better credit card. I just dont understand why the information hasnt been corrected yet, especially since Ive followed the steps to dispute it. I really need someone to take a close look at my account and fix these mistakes once and for all. Its taking a toll on me, and I dont know what else to do at this point. 
XXXX XXXX * * * * * * Balance Owed : {$0.00} XXXX XXXX  XXXX * * * * * * * * * * * {$6700.00}

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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have submitted this dispute several times regarding an account on my credit report that I continue to believe is inaccurate and incomplete. Despite my repeated efforts to address the issue, the incorrect information is still being reported, and it appears that a proper review has yet to take place. 

This situation has been incredibly stressful and is beginning to take a toll on my overall well-being and daily life. The continued lack of resolution has left me feeling drained and disheartened. 

Please note, I am submitting this dispute personallythere is no third party involved. I kindly ask that this matter be given the attention it deserves and that a full and fair investigation be completed as soon as possible. 

Thank you for your time and consideration.

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 2025-04-30 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: NC

Complaint narrative:
I have submitted this dispute several times regarding an account on my credit report that I continue to believe is inaccurate and incomplete. Despite my repeated efforts to address the issue, the incorrect information is still being reported, and it appears that a proper review has yet to take place. 

This situation has been incredibly stressful and is beginning to take a toll on my overall well-being and daily life. The continued lack of resolution has left me feeling drained and disheartened. 

Please note, I am submitting this dispute personallythere is no third party involved. I kindly ask that this matter be given the attention it deserves and that a full and fair investigation be completed as soon as possible. 

Thank you for your time and consideration.

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 2025-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against ONLINE IN SV regarding an account I have with them XXXX * * * *. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : ONLINE IN SV ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1200.00} I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with ONLINE INFORMATION SERVI but to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
I am writing to formally dispute the reporting of a 90-day late payment on my student loan account serviced by the Department of Education/Aidvantage . According to the federal deferment policies implemented during the COVID-19 pandemic, my student loans were placed in forbearance, and payments were paused under extended federal relief guidelines. At no point was I notified via phone, email, or mail that this deferment had ended or that payments were due. Due to this lack of communication, I remained under the reasonable impression that my loans were still in deferment or forbearance due to financial hardship. Despite this, a 90-day delinquency was reported to the credit bureaus. I reviewed my Payment History Line, and it does not reflect any missed or late payments. The 90-day late status appears only in the Payment Status Line, which creates a discrepancy that misrepresents my account activity. This may constitute a violation of the Fair Credit Reporting Act ( FCRA ), which requires that furnishers of information to credit bureaus ensure the accuracy and integrity of the data reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: CA

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report XXXX separate fraudulent accounts appearing on my EQUIFAX consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These XXXX fraudulent accounts consist of a personal credit card account opened at XXXX XXXX XXXX XXXX  on XX/XX/XXXX under account number XXXX ( partial ), and another account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX ( partial ), and another account opened at XXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX ( partial ), and another account opened at XXXX on XX/XX/XXXX under the account number XXXX ( partial ), and another XXXX accounts opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX ( partial ), and another account under XXXX ( partial ), and another under XXXX ( partial ), and another under XXXX ( partial ), and another under XXXX ( partial ), and another account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX ( partial ), and another XXXX accounts opened at XXXX XXXX XXXX / XXXX on XX/XX/XXXX under the account number XXXX ( partial ), and another account number XXXX ( partial ), and another account opened at XXXX XXXX XXXX ( partial ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Michel Law, LLC d/b/a Level One Law
State: FL

Complaint narrative:
I hired Level One Law in XX/XX/XXXX to help me to consolidate my credit cards because they were maxed out due to a XXXX XXXX I just went through ant the time and a legal situation with my ex. I am a single mother and needed the help cutting my payments in half with my credit cards. I was under the impression that Level One was going to negotiate my debts but instead they took my money for over a year and did not resolve any of my credit cards. They were taking all of the fees up front. I paid them over {$7500.00}. I found out in XXXX of XXXX that they are involved in a federal fraud case and are being sued. My wages are now being garnished at my current job. I want my money back that I paid Level One Law for a year!

Company response to consumer: Untimely response
Consumer complaint received 2025-04-30 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: CA

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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