vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 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: Nelnet, Inc.
State: VA

Complaint narrative:
I am formally disputing the late payments reported on my credit file for three student loan accounts currently serviced by Nelnet ( Dept. of Education / NELN ). These entries some marked as 90 and 120 days delinquent have caused a drop of over XXXX points to my credit score, despite my longstanding history of responsible financial management. 

The core issue : Nelnet maintained outdated contact information for me for several years, including an obsolete email address, phone number, and mailing address. Your representatives have since acknowledged that my contact details required updates. As a result, I did not receive any notifications of missed or upcoming payments, nor was I given the opportunity to bring the accounts current before they were reported as delinquent.

These late marks are not the result of neglect or refusal to pay, but rather the consequence of incomplete and inaccurate servicing practices that prevented me from being properly notified. Under the Fair Credit Reporting Act, information furnished to credit bureaus must be accurate and complete in this case, the reporting fails to meet that standard due to the lack of timely and correct borrower communication. 

I request that Nelnet remove or amend these derogatory marks with all credit bureaus to reflect accurate payment history. This adjustment would be consistent with both FCRA requirements and principles of good-faith customer service.. 

Please confirm in writing that this dispute has been received and that a formal investigation is underway. If this matter is not resolved promptly, I will escalate to the XXXX Department of Education Ombudsman, the Consumer Financial Protection Bureau, and other relevant regulatory bodies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: NV

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

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 2025-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I am a XXXX XXXX XXXX Senior Retired Disabled Navy Veteran unemployable and Household and my Banking problem is my Alerts are Not being posted and false information of " 3 '' car payments totaling {$2100.00} were deducted from the XX/XX/year> then canceled and the balanced war NOT fully returned, also when I made an appointment via chat and wrote the reasons for the visit, a short time later I received a confirmation for the appointment, I then Log back into my account and the fraudulent three car payments were removed and the balance returned amount was NOT exactly returned, I believe if I hadn't Log back in these " 3 '' car payments would have disappeared and not sent back to my accountant and Furthermore the history of all the appointments reasons shows that all the appointments were changed and does NOT show the reasons for the prior appointments and show me and my accounts are always having problems, when infact they are iT employee Banking errors.

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 2025-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Axela Technologies, Inc
State: VA

Complaint narrative:
Dear Sir/Madam, I have a home in XXXX, FL. The address of my home is XXXX XXXX XXXX, XXXX, FL XXXX. Since I am getting old and I am not very good with computer, my daughter helped me set up auto payment to pay my XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) assessment fee every quarter. This year, it is assessed at {$150.00} every quarter. The auto pay went smoothly for years, until XX/XX/scrub> 2025. I am not sure if it was because the XXXX switched to a new management company or if their website was updated. I still had enough money in my bank account to pay this XXXX for the second quarter of 2025. The money was not withdrawn from my bank account. 

We did not receive any letter from XXXX  notifying us of the nonpayment. My daughter helped me check mail every week. At the end of XX/XX/year>2025, we received a collection letter from Schwartz Vays asking me to pay {$150.00} + interest to the XXXX  + XXXX collection cost ( which is 264 % of the original amount that I owed to this XXXX  ). My daughter immediately tried to contact XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, and talked to someone named XXXX. He advised me to go in person at the management company 's address to pay in person. I am XXXX XXXX XXXX. I've recently tripped and fell and XXXX  my XXXX, I have been walking with crutches since XX/XX/year>2025. Since I could not go to the office by myself, XXXX told my daughter to help me send payment to the management office in the amount of {$320.00}. I did that and sent it on XX/XX/year>2025 with proof of delivery from XXXX. I sent the exact amount we owed to the XXXX  plus interest, which they confirmed that it was received. I also sent an agreement to set up another ACH transfer for auto pay to replace the previous one which we never cancelled. However, a couple days later, they told us that the amount was sent to collection and we would have to work directly with the collection company. They said they had transferred my payment check to the collection company. 

Both my husband and I are retired, with a fixed monthly income. We understand our obligations to pay XXXX  assessment fee but to pay an extra 264 % of what we originally owed to XXXX is an unfair practice of this debt collector. We could not afford to pay this. Could you please help me look into this issue? I wonder how much money was taken from XXXX  like us who missed one payment due to a change of system set up. And there was not a notification mailed to us to let us know that auto pay was unsuccessful or that we owed XXXX  assessment fees. 

Thank you for your kind assistance in this matter, XXXX XXXX ( my daughter helped me type this letter to you )

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 2025-08-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I urgently seek an account update as my payments have consistently been made on time. The current circumstances are causing me undue XXXX  and worry.

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 2025-08-08 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: IN

Complaint narrative:
Around XX/XX/scrub> 2025, XXXX XXXX  incorrectly reported two of my mortgage accounts as delinquent after they were transferred to XXXX XXXX. The accounts were not delinquent, and this false reporting was submitted to all three major credit bureaus ( XXXX XXXX  and TransUnion ). 

XXXX has since admitted in writing that the reporting was incorrect and stated they had notified the credit bureaus to remove the derogatory marks. However, the damage had already been done. While my credit score did not drop significantly, this error caused me XXXX, XXXX, and emotional harm. 

As a father and full-time employee, I spent valuable time researching the issue, monitoring reports, and preparing to defend my creditworthiness time that should have been spent with my family or at work. 

Under 15 U.S.C. 1681o, I am entitled to actual damages due to negligent credit reporting, including XXXX XXXX and time lost. 

I reached out to XXXX seeking a modest settlement to resolve this issue without further escalation, but they declined, stating they dont offer monetary compensation. They did, however, invite me to submit documentation of damages. 

I am requesting CFPB assistance in ensuring : 1. Full correction and verification of all credit bureau entries 2. Accountability for FCRA negligence 3. A fair resolution for the emotional harm caused

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Valon Technologies, Inc.
State: IN

Complaint narrative:
Around XX/XX/year>2025, Valon Mortgage incorrectly reported two of my mortgage accounts as delinquent after they were transferred to XXXX XXXX. The accounts were not delinquent, and this false reporting was submitted to all three major credit bureaus ( XXXX XXXX  and XXXX  ). 

Valon has since admitted in writing that the reporting was incorrect and stated they had notified the credit bureaus to remove the derogatory marks. However, the damage had already been done. While my credit score did not drop significantly, this error caused me XXXX XXXX and emotional harm. 

As a father and full-time employee, I spent valuable time researching the issue, monitoring reports, and preparing to defend my creditworthiness time that should have been spent with my family or at work.

Under 15 U.S.C. 1681o, I am entitled to actual damages due to negligent credit reporting, including XXXX XXXX and time lost.

I reached out to Valon seeking a modest settlement to resolve this issue without further escalation, but they declined, stating they dont offer monetary compensation. They did, however, invite me to submit documentation of damages.

I am requesting CFPB assistance in ensuring : 1. Full correction and verification of all credit bureau entries 2. Accountability for FCRA negligence 3. A fair resolution for the emotional harm caused

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: NC

Complaint narrative:
I recently obtained and reviewed a copy of my persons consumer credit report and noticed multiple accounts full of inaccurate information that has adversely affected the integrity of my persons consumer credit report. It is the duty and responsibility of the credit reporting agencies to make sure that they take the necessary steps to ensure that every consumer report is investigated properly and provided with the best accuracy possible which reaches far beyond the extent of internal rules, policies and procedures per 15 U.S.C. 1681s-2. Failure to reinvestigate this matter shall result in liabilities under 15 U.S.C. Subsection 1681s-2 ( b ) for failure to conduct a reasonable investigation The FAIR CREDIT REPORTING ACT exists to prevent harm to consumers. It requires data furnishers to report only accurate and verifiable information, mandated to conduct a reasonable investigation and correct or delete any information found to be inaccurate or unverifiable in the context of securitized or unrecognized debt. Furthermore, under 15 U.S.C. 1681i ( aX7 ), the consumer has the right to know how the information was verified, including what sources were used, who verified the claim, and what documentation was reviewed and received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: MI

Complaint narrative:
Creditor Name : XXXX XXXXl Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported Balance : XXXX XXXX XXXX$17000.00} Original Balance : XXXX XXXX  {$10000.00} Date Opened : XXXX XXXX [ TransUnion : XX/XX/year> | XXXX  : XX/XX/year> ] I am requesting that this account be XXXX XXXX investigated and either corrected or removed XXXX XXXX from my credit file if it can not be verified. The current balance being reported exceeds the original amount and does not reflect accurate payment history or resolution. Additionally, there appears to be inconsistencies in how this account is reported across the three bureaus.

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 2025-08-07 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: GA

Complaint narrative:
bXXXX XXXX XXXX XXXX GA XXXXEquifax Information Services, LLC\XXXX XXXX XXXX GA XXXXSubject: Rest to Block and Delete Fraudulent Accounts  Identity Theft VictimXXXXDear Equifax Consumer ServicesXXXX  am writing to formally request the blocking and deletion of fraudulent accounts and information related to my identity under the Fair Credit Reporting Act (FCRA), specifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft because of the Equifax data breach, and unauthorized accounts have been fraudulently opened in\nmy name.\n\nThe fraudulent accounts that I have identified on my credit report are as followsXXXX XXXX XXXX XXXX XXXX request that Equifax promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profileXXXXFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changesXXXXIf you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided aboveXXXXThank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activityXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
This is a follow-up to my Consumer Financial Protection Bureau complaint regarding a fraudulent Citi Mastercard account ( ending in XXXX  ) that was reported under my former legal name. 

I want to bring to your attention that Citi stated in their XX/XX/year>2025 letter that they obtained documentation showing I legally changed my name from XXXX XXXX XXXX XXXX to XXXX XXXX in XX/XX/year>2025. I want to make it absolutely clear that I never submitted this documentation to Citi directly, nor did I authorize them to associate my current legal identity with any past fraudulent account. 

This raises serious concerns about the origin and use of this documentation. It is evident that Citi used sensitive personal records potentially forwarded by the credit bureaus or CFPB during the investigation to validate a disputed account that I have repeatedly claimed does not belong to me. 

Citis reasoning is based solely on the fact that my Social Security number and date of birth match the information on the account. This is not sufficient proof of ownership. Citi has failed to provide any of the following required items under the Fair Credit Reporting Act ( FCRA ) : - A signed application or contract associated with the account. 
- IP address, phone number, or physical location from which the account was opened. 
- Audio recordings or communication records. 
- Any verifiable evidence that I consented to or opened this account. 

This constitutes a misuse of my personally identifiable information and a failure to conduct a reasonable investigation under the FCRA ( 15 U.S. Code 1681s-2 ). Furthermore, using documentation submitted for unrelated identity verification purposes to validate a disputed account is deceptive and unlawful. 

I request that the CFPB demand that Citi : 1. Provide valid documentation proving that I opened this account under any identity.

2. Cease the reporting of this account to the credit bureaus immediately.

3. Be investigated for the misuse of private information during the dispute process.

Thank you for your attention to this matter. I reserve all 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 explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-08-08 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-08-08 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: FL

Complaint narrative:
I am writing to dispute several unauthorized hard inquiries that appear on my credit report. I did not initiate or authorize these inquiries and request their immediate removal from my credit file. 

Below are the inquiries I am disputing : 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 XXXXXX/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