vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-28 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: VA

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: TN

Complaint narrative:
I have sent multiple dispute letters to Equifax, Experian, and TransUnion regarding errors on my credit report, but they have not been corrected. I have attached copies of the letters I sent to each bureau. Please review the errors and compile them into a three-bureau comparison table. I would appreciate your assistance in resolving this matter.

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 2025-06-29 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have sent multiple dispute letters to Equifax, Experian, and TransUnion regarding errors on my credit report, but they have not been corrected. I have attached copies of the letters I sent to each bureau. Please review the errors and compile them into a three-bureau comparison table. I would appreciate your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
LVNV Funding LLC and Resurgent Capital Services are reporting a collection account inconsistently and inaccurately across all major credit bureaus. I have disputed this account multiple times, yet they continue to report conflicting information without proper validation or correction.

XXXX  : Marks the account as closed, in collections, and accurately shows it as " disputed by consumer. '' XXXX  : Shows the account as active with no dispute remark, violating FCRA 1681s-2 ( a ) ( 3 ). 

XXXX  : Shows the account as in collections and disputed, but the main dashboard falsely says I have no collections on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, XXXX XXXX Subject : Formal Complaint Regarding Mismanagement of Private Student Loans by Firstmark Services Dear CFPB Officer, I am submitting this formal complaint against Firstmark Services regarding XXXX private student loans that I believe have been mismanaged over several years. Despite regular payments, I observed disproportionately high interest charges, unexplained interest capitalizations, and months where no principal was appliedindicating possible misapplication of funds or servicing misconduct. 

Loan XXXX : - Note ID : XXXX - Disbursement Date : XX/XX/XXXX - Paid : {$5300.00} - Principal Paid : {$1400.00} - Interest Paid : {$3600.00} Loan XXXX : - Note ID : XXXX - Disbursement Dates : XX/XX/XXXX & XX/XX/XXXX - Paid : {$9200.00} - Principal Paid : {$2500.00} - Interest Paid : {$6200.00} Loan XXXX : - Note ID : XXXX - Disbursement Date : XX/XX/XXXX - Paid : {$4200.00} - Principal Paid : {$1100.00} - Interest Paid : {$2800.00} Across all three loans, over XXXX % of my total payments went to interest. Many payments showed {$0.00} applied to principal. Multiple interest capitalization events were posted without clear explanation. These patterns raise concerns of : XXXX. Improper payment allocation XXXX. Excessive and potentially unjustified interest charges XXXX. Lack of transparency or communication XXXX. Misrepresentation of repayment progress # # # Relief Requested : - A full audit of all three loans - Correction of any misapplied funds - Refund of overcharged interest - Any appropriate penalties imposed for servicing misconduct Attached are summaries and visual charts to support this complaint. I respectfully request that the CFPB investigate this matter and hold Firstmark accountable if unfair or deceptive servicing practices are confirmed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: AR

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX. This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX opened on XX/XX/XXXX under the account number XXXX XXXX XXXX XXXX XXXX a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX XXXX XXXX XXXX XXXX a collections account opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX XXXX XXXX XXXX XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with an unpaid balance of {$100.00}. There are also several hard inquiries that I have listed in the XXXX Identity Theft Affadavits that I have attached to this complaint. The fraudulent credit inquiries were not made or authorized by me and are the result of identity theft and fraud. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer TransUnion FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer TransUnion FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaints # XXXX and # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
This letter is to notify you that I formally dispute the debt you assert I owe. I also wish to raise serious concerns about the legality of your collection practices. I do not acknowledge any obligation to the following agencies : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please provide full debt validation as required by 12 CFR 1006.34 ( b ) ( 5 ), including the original creditors name, account number, balance breakdown, and a copy of your purchase agreement with the original creditor. I have reported these concerns to the Consumer Financial Protection Bureau.

I also revoke consent for contact via phone, text, or email. From now on, communication must be in writing. Failure to provide a proper dispute opportunity per 12 CFR 1006.34 ( c ) ( 4 ) ( i ), and the use of deceptive collection practices without the required legal disclosures, violate my consumer rights. In addition, [ creditor_name ] may not furnish information to credit bureaus without proper disclosure under 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am filing a formal complaint against Absolute Resolutions Investments, LLC ( ARI ) for their fraudulent, deceptive, and unlawful behavior relating to the collection and reporting of accounts they do not legally own or have standing to enforce. 

SUMMARY OF FACTS : XXXX XXXX XXXX, XXXX organization known for purchasing charged-off consumer debtshas reported and attempted to collect on a debt account that originated with Navy Federal Credit Union XXXX which was previously securitized and sold as part of an asset-backed securities transaction. 

Despite not being a holder in due course, and without providing proof of ownership, XXXX has : Reported the account negatively to credit bureaus Initiated or threatened legal action Failed to validate the debt upon request This conduct constitutes a serious violation of multiple federal laws and consumer protections. 

XXXX XXXX attempts violate the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and other federal financial disclosure statutes. Furthermore, XXXX has been the subject of numerous legal cases and regulatory complaints : NOTABLE LEGAL ACTIONS & CFPB COMPLAINTS : XXXX XXXX XXXX, XXXX  XXXX XXXX : Failed to validate ownership, violated FDCPA. 

Rogers v. ARI, No. 4:15-CV-00244-RWS : FDCPA violation for collecting without documentation. 

Bartlett v. ARI : Violated due process through failure to prove valid chain of assignment. 

Reese v. ARI, No. 1:15-cv-00453 : Sued for collecting on time-barred debt. 

XXXX, XXXX, and XXXX : Courts found XXXX lacked standing and engaged in misrepresentation. 

CFPB Complaints XXXX. XXXX, ID XXXX : Documented coercive and unlawful collection practices. 

Additionally, the Minnesota Attorney General has taken enforcement actions against XXXX for illegal debt collection practices. 

VIOLATED LAWS : Federal Violations : FCRA 15 U.S.C. 1681s-2, 1681i, 1681e ( b ) TILA 15 U.S.C. 1601 et seq.

FDCPA 15 U.S.C. 1692e, 1692g GLBA 15 U.S.C. 68016809 SEC Rule 10b-5 / Securities Act 17 ( a ) 18 U.S.C. 1348 Securities Fraud 18 U.S.C. 1341/ 1343 Mail and Wire Fraud 18 U.S.C. 371 Conspiracy to Defraud Commercial Law Violations : UCC 3-301 Enforcing a receivable without being a holder in due course UCC 9-210 / 9-404 Failure to disclose assignment and allow defenses Constitutional & Equitable Violations : XXXX XXXX XXXX XXXX XXXX of property and due process Constructive Fraud / Unjust Enrichment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: EQUIFAX, INC.
State: VA

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Whom It May Concern : I am writing to formally dispute the reporting and status of credit card account XXXX XXXX XXXX After reviewing my credit file, I have determined that the information being reported is unverifiable, inaccurate, outdated, and incomplete, which violates my rights under federal law. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., also a securitized debt meaning ( Charge Off ) can not be claimed as owed by XXXX since a charge off is sold and therefore can not be owned/reported by the same company. you are required to ensure that all information furnished about me is reported with maximum possible accuracy ( 1681e ( b ) ) and that any disputed information must be fully investigated ( 1681i ) and removed if it can not be verified. Additionally, as this is an open-end credit account, I am exercising my rights under the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666 and 1666b, which require you to : - Promptly investigate any billing errors I dispute, in good faith and within XXXX complete billing cycles ( but not more than 90 days ) ; and complete, you must immediately request its permanent deletion from any and all consumer reporting agencies you furnish data to. Failure to comply will constitute further violations of FCRA 1681s-2, 1681i, and FCBA 1666, exposing you to potential legal liability.

Please provide me with the following within the required timeframe : XXXX. A full explanation of your investigation results ; XXXX. Copies of any and all records used to verify this account ; and XXXX. Written confirmation of any corrections or permanent deletion. 
If you fail to comply, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General XXXX office, and pursue all available legal remedies to protect my rights. 
This is a formal dispute and notice under federal law. I expect a written response within the statutory timeframe.

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 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to file a complaint against the U.S. Department of Education regarding the handling and reporting of my student loan during the COVID-19 pandemic. 

The Department of Education has stated that negative information related to my student loan will remain on my credit report until the year XXXX. This is unfair and illegal, especially considering this occurred during the federally declared COVID-19 emergency. Under the CARES Act and related relief efforts, borrowers were supposed to be protected from negative credit reporting during the pandemic for eligible federal student loans. Despite this, negative marks are still being reported. 

Additionally, my loan was transferred to another servicer or creditor without my knowledge or consent. I was not notified, and I was not given the opportunity to opt out or understand the full consequences. This transfer added to my confusion, stress, and inability to manage or dispute my account properly. It also caused further damage to my credit. 

This situation has caused me extreme emotional stress and hardship. I feel trapped and powerless. It is unjust to penalize borrowers for events that took place during a national emergency, especially when many protections were promised by the federal government. I should not be forced to carry this burden on my credit report for the next five years when I complied with the rules and was under the impression that my account was in forbearance or protected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to file a complaint against the U.S. Department of Education regarding the handling and reporting of my student loan during the COVID-19 pandemic.

The Department of Education has stated that negative information related to my student loan will remain on my credit report until the year XXXX. This is unfair and illegal, especially considering this occurred during the federally declared COVID-19 emergency. Under the CARES Act and related relief efforts, borrowers were supposed to be protected from negative credit reporting during the pandemic for eligible federal student loans. Despite this, negative marks are still being reported. 

Additionally, my loan was transferred to another servicer or creditor without my knowledge or consent. I was not notified, and I was not given the opportunity to opt out or understand the full consequences. This transfer added to my confusion, stress, and inability to manage or dispute my account properly. It also caused further damage to my credit. 

This situation has caused me extreme emotional stress and hardship. I feel trapped and powerless. It is unjust to penalize borrowers for events that took place during a national emergency, especially when many protections were promised by the federal government. I should not be forced to carry this burden on my credit report for the next five years when I complied with the rules and was under the impression that my account was in forbearance or protected.

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 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to file a complaint against the U.S. Department of Education regarding the handling and reporting of my student loan during the COVID-19 pandemic. 

The Department of Education has stated that negative information related to my student loan will remain on my credit report until the year XXXX. This is unfair and illegal, especially considering this occurred during the federally declared COVID-19 emergency. Under the CARES Act and related relief efforts, borrowers were supposed to be protected from negative credit reporting during the pandemic for eligible federal student loans. Despite this, negative marks are still being reported. 

Additionally, my loan was transferred to another servicer or creditor without my knowledge or consent. I was not notified, and I was not given the opportunity to opt out or understand the full consequences. This transfer added to my confusion, stress, and inability to manage or dispute my account properly. It also caused further damage to my credit. 

This situation has caused me extreme emotional stress and hardship. I feel trapped and powerless. It is unjust to penalize borrowers for events that took place during a national emergency, especially when many protections were promised by the federal government. I should not be forced to carry this burden on my credit report for the next five years when I complied with the rules and was under the impression that my account was in forbearance or protected.

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