vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-03 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 have taken auto loan from XXXX  XXXX XXXX with original amount of {$68000.00} in the month of XX/XX/XXXX. Most of the loan was paid off by XX/XX/XXXX and the remaining balance was just {$130.00} only, however since my son is on this account I did not wanted to close the auto loan account. To keep the account active, I was paying {$1.00} every month, and it's auto detected from my existing checking account with them. However in XX/XX/XXXX some junior employee or some one without experience modified the account and reported to credit agencies as 30 day Past due, which was not supposed to happened. Some one from bank called me for the first time and demanded I clear the out standing payment of {$130.00} immediately otherwise it will be reported to credit agencies, out of fear I made payment and they closed the account in XX/XX/XXXX. However they reported the account as past due, which brought my score from XXXX to XXXX and it damaged my credit worthiness and when I looked for home mortgage in XXXX, I had to pay poor credit rating interest rate and it caused financial and emotional stree beacuse of what the bank did to me. I have been banking with them for more than XXXX and I was totally speechless and surprised the bank employees did this without giving a warning indication...

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 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc.
State: TX

Complaint narrative:
This loan has been re-purchased and re-purchased by different collectors who do not have the original debt validation or the original documents. This needs to be removed ASAP. Please further investigate this collector. This account should have been closed due to the school going out of business. Why does this still show up on my report after 14 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: NC

Complaint narrative:
I dispute the XXXX late payment entries reported by Self Financial/Lead BA on my credit file ( Acct ending in XXXX ). The account shows 0 % ontime payments and Collection or charge off status for multiple months in XXXX, yet I never received any chargeoff notice or verification. I asked Self Financial in writing for documentation verifying these late payments and account statements showing my payment history ; they provided none. Under FCRA 1681i, furnishers must verify disputed information or remove it. Because Self Financial can not verify these delinquencies, I request that all XXXX latepayment entries be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX has hired a law firm to attempt to collect a purchased debt. Thisn is direct violation of USC and FDCRPA of sharing my information with a third party. PFA is also a third party and has shared with all CRA. 

They need to stop violating the law to attempt to get money they won't get.

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 2025-05-03 00:00:00
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Dealing with provider of income share agreement
Company: Clasp Group, Inc.
State: IL

Complaint narrative:
The company is Clasp - Stride Funding. I had used XXXX to attend a school but have never met the income requirements for now two years in a row. However, Clasp continuously sends 'Past Due ' and 'Late ' emails, after I have submitted my income documentation several times. I need them to stop these emails and defer. I will probably never make enough to make any payments. The minimum I need to be making is XXXX, and I don't make that much money. I'm just a school bus driver. They need to look at my income document and defer me instead of continuously sending late payment emails. I will provide income documentation every year, but they need to look at it and defer instead of sending emails at the level of harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: WV

Complaint narrative:
I am disputing a collection account that appears on my credit report. The account in question is from XXXX XXXX XXXX with account numberXXXX This account is inaccurate because it does not belong to me. 

I requested validation of this debt and have not received proper documentation proving its accuracy or ownership. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute and request deletion of unverifiable or inaccurate information. I am requesting that this collection be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told Experian, Transunion, and Equifax to reinvestigate these accounts : 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  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to delete accounts that aren't reporting correctly.

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 2025-05-03 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told Experian, Transunion, and Equifax to reinvestigate these accounts : 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  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to delete accounts that aren't reporting correctly.

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 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: DC

Complaint narrative:
This account was charged off with a {$16000.00} balance. I no longer had possession of the vehicle after XXXX, yet no repossession or balance adjustment occurred. Ally continues updating the tradeline into XXXX with no new activity, which could indicate illegal re-aging of the accou

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/XXXX I paid my credit card with a new bank account that belonged to the person I was dating at the time. There was an exchange of cash of payment on the cc because I get paid in cash and it was past the time of the bank closing to be able to deposit my cash and pay my card in time. A few days after this happened on XX/XX/XXXX the person had stopped talking to me, blocked me, and did something to make the payment bounce. I tried to call capital one and explain the situation and that I think I had been scammed. They restricted my account with no other way to unlock it then show them a bank statement from the scammers account. I explained to them this is not possible. I wasnt able to use my rewards points towards my balance and my card is completely restricted from using.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: NY

Complaint narrative:
I am formally disputing the unauthorized access and deletion of my student loan data as reported in the XXXX XXXX article titled " XXXX  and XXXX : Did XXXX Breach Student Loan Contracts? '' ( XX/XX/year> ). The report raises alarming concerns regarding potential violations of the XXXX XXXX Rights and Privacy Act ( XXXX ) due to unauthorized access and tampering with student loan records. 

As a borrower with active student loan obligations, I am highly concerned that my rights under XXXX ( XXXX U.S.C. XXXX ; XXXX CFR Part XXXX ) have been violated. Unauthorized deletion or modification of my education records is strictly prohibited under federal law. These reported actions have severely impacted my financial and educational standing, and I demand immediate corrective measures. 

# # # I am formally requesting the following actions : XXXX. Immediate Investigation XXXX full audit into whether my records were accessed, altered, or deleted without my consent. 

XXXX. Full XXXX XXXX comprehensive list of entities or individuals involved in accessing, modifying, or deleting my records. 

XXXX. XXXX & XXXX XXXX correction of any unauthorized deletions, accompanied by a written statement confirming all corrective actions taken. 

XXXX. XXXX XXXX XXXX A formal, written confirmation that my student loan records will remain fully protected under XXXX and that no further unauthorized access or modifications will occur.

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 2025-05-03 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: Navient Solutions, LLC.
State: NY

Complaint narrative:
I am formally disputing the unauthorized access and deletion of my student loan data as reported in the XXXX XXXX article titled " Musk and XXXX : Did XXXX Breach Student Loan Contracts? '' ( XX/XX/year> ). The report raises alarming concerns regarding potential violations of the XXXX XXXX Rights and Privacy Act ( XXXX ) due to unauthorized access and tampering with student loan records. 

As a borrower with active student loan obligations, I am highly concerned that my rights under XXXX ( XXXX U.S.C. XXXX ; XXXX CFR Part XXXX ) have been violated. Unauthorized deletion or modification of my education records is strictly prohibited under federal law. These reported actions have severely impacted my financial and educational standing, and I demand immediate corrective measures. 

# # # I am formally requesting the following actions : XXXX. XXXX XXXX XXXX full audit into whether my records were accessed, altered, or deleted without my consent. 

XXXX. Full XXXX XXXX comprehensive list of entities or individuals involved in accessing, modifying, or deleting my records. 

XXXX. XXXX & XXXX XXXX correction of any unauthorized deletions, accompanied by a written statement confirming all corrective actions taken. 

XXXX. XXXX XXXX XXXX XXXX formal, written confirmation that my student loan records will remain fully protected under XXXX and that no further unauthorized access or modifications will occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: NY

Complaint narrative:
I am formally disputing the unauthorized access and deletion of my student loan data as reported in the XXXX XXXX article titled " Musk and XXXX : Did XXXX Breach Student Loan Contracts? '' ( XX/XX/year> ). The report raises alarming concerns regarding potential violations of the XXXX XXXX Rights and Privacy Act ( XXXX ) due to unauthorized access and tampering with student loan records. 

As a borrower with active student loan obligations, I am highly concerned that my rights under XXXX ( XXXX U.S.C. XXXX ; XXXX CFR Part XXXX ) have been violated. Unauthorized deletion or modification of my education records is strictly prohibited under federal law. These reported actions have severely impacted my financial and educational standing, and I demand immediate corrective measures. 

# # # I am formally requesting the following actions : XXXX. XXXX XXXX XXXX full audit into whether my records were accessed, altered, or deleted without my consent. 

XXXX. Full XXXX XXXX comprehensive list of entities or individuals involved in accessing, modifying, or deleting my records. 

XXXX. XXXX & XXXX XXXX correction of any unauthorized deletions, accompanied by a written statement confirming all corrective actions taken. 

XXXX. XXXX XXXX XXXX XXXX formal, written confirmation that my student loan records will remain fully protected under XXXX and that no further unauthorized access or modifications will occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: MA

Complaint narrative:
In XXXX, I leased a XXXX XXXX XXXX from XXXX XXXX. I traded in the vehicle for a XXXX XXXX, which was paid off and returned in XX/XX/XXXX. XXXX XXXX reported that in XX/XX/XXXX and XX/XX/XXXX, I was 60 days late on the payments. Previously, I had never missed a payment, but how could I miss a payment when I no longer owned the vehicle, as the closeout date was in XXXX? In XXXX, I owed a XXXX XXXX XXXX, and in XXXX, I owned an XXXX XXXX, both financed by XXXXXXXX XXXX XXXX XXXXXXXX. Consequently, XXXX XXXX is reporting information on an account closed in XXXX indicating missed payments in XXXX and XXXX. I have filed disputes with all credit bureaus, but they have not removed this erroneous information. I am unable to file another dispute, which is negatively impacting my credit score.

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 2025-05-03 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: MA

Complaint narrative:
In XXXX, I leased a XXXX XXXX XXXX from XXXX XXXX. I traded in the vehicle for a XXXX XXXX, which was paid off and returned in XX/XX/XXXX. XXXX XXXX reported that in XX/XX/XXXX and XX/XX/XXXX, I was 60 days late on the payments. Previously, I had never missed a payment, but how could I miss a payment when I no longer owned the vehicle, as the closeout date was in XXXX? In XXXX, I owed a XXXX XXXX XXXX, and in XXXX, I owned an XXXX XXXX, both financed by XXXXXXXX XXXX XXXX XXXXXXXX. Consequently, XXXX XXXX is reporting information on an account closed in XXXX indicating missed payments in XXXX and XXXX. I have filed disputes with all credit bureaus, but they have not removed this erroneous information. I am unable to file another dispute, which is negatively impacting my credit score.

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 2025-05-03 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: MI

Complaint narrative:
Good afternoon. My complaint is against XXXX Experian, and XXXX. My uploaded complaint documents, will explain everything in great detail.

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 2025-05-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Servicer under contract with Federal Student Aid
State: MI

Complaint narrative:
PRIOR COMPLAINT ID XXXX Federal student loan Dealing with your lender or servicer MOHELA STUDENT LOAN COMPANY XX/XX/year> Open Company response is in progress as of XX/XX/year> That has been my complaint since XX/XX/year>... They ( MOHELA ) OBVIOUSLY REFUSE TO GIVE ME THE INFORMATION THAT I HAVE ASKED FOR. THEY ARE DEFLECTING AND DELAYING THE INFORMATION I NEED. I AM ALMOST AT XXXX FOR XXXX ( XXXX MONTHS AWAY ), AND I AM TRYING TO FIGURE OUT WHAT WILL BE MY PAYMENT FOR PSLF BUYBACK FOR THE XXXX MONTHS IT WILL HAVE BEEN IN FORBEARENCE DEFERMENT ( MY STUDENT LOANS ) SINCE I AM ENROLLED IN THE SAVE PLAN! 

THIS IS PURELY RIDICULOUS AND SHOULD BE CRIMINAL AT THIS JUNCTURE! WHAT WILL I HAVE TO PAY FO RM Y XXXX XXXX SINCE MY PAYMENTS WERE {$0.00} A MONTH PRIOR TO THIS ADMINISTRATIVE FORBEARANE/DEFEREMENT? 

NO ONE IS HELPING AND THIS IS CRAZY!

Company response to consumer: Untimely response
Consumer complaint received 2025-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KeyBridge Medical Revenue Management
State: OH

Complaint narrative:
Key bridge there are XXXX dings on credit report. One for XXXX and one for XXXX. They did not turn these claims into my insurance company. I contacted them and my insurance company. They are currently working on this and should have never turned this into my credit report. This is something still being taken care of and should be paid by insurance.

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 2025-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
my medical bills from wakefield & associates are being reported to my credit report and its very damaging.

Company response to consumer: Closed with non-monetary relief