vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 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: MI

Complaint narrative:
I am writing to dispute the information reported on my Equifax credit report. I have identified discrepancies with the XXXX charge-off account, and the late payment listed with GOODYR/CBNA. Additionally, I noticed the inquiry from XXXX, which I believe may be inaccurate. I respectfully request an investigation of these items under the Fair Credit Reporting Act ( FCRA ) and the removal of any unverifiable or incorrect data. 

CHARGED OFF XXXX Account Number : XXXX Date of Charge-Off : XX/XX/XXXX Balance : {$0.00} INQUIRIES XXXX Date : XX/XX/XXXX LATE PAYMENT XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Keynote Consulting, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX XX/XX/year> Keynote Consulting XXXXXXXX XXXX XXXX [ XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX ] Via Certified Mail, Return Receipt Requested RE : Cease and Desist Notice Pursuant to 15 U.S.C. 1692c Demand to Cease Communication To Whom It May Concern : This letter serves as a formal notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), that you are to cease all communication with me, whether by telephone, email, mail, or any other method, regarding any alleged debt that you claim I owe. 

Under 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing that they refuse to pay a debt or that they wish the collector to cease further communication, the collector must not communicate with the consumer except to : 1. Advise that further efforts are being terminated ; 2. Notify that specific remedies may be invoked ; or 3. Notify that the collector intends to invoke a specific remedy. 

I hereby exercise my right under this federal law and demand that you immediately stop contacting me about any alleged debt. Any further contact from your company, other than the limited exceptions provided by law, will be considered a direct violation of the FDCPA, and I will not hesitate to report such violations to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. 

Please note that this letter is not an acknowledgment or validation of any alleged debt, and should not be interpreted as such. I dispute any and all alleged debts you claim to be associated with my name or information. 

I expect written confirmation that you have received and honored this cease and desist request. Please govern yourselves accordingly. 

Sincerely, XXXX 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 2025-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bounce AI, Inc.
State: NC

Complaint narrative:
I am writing to formally request that you cease all communication with me immediately regarding any alleged debt that you claim I owe. This request is made in accordance with the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ), which grants me the right to request that a debt collector stop contacting me.

Please note the following : I do not waive any of my rights under federal or state law. 

You are hereby notified that any further contact from your agencyexcept to confirm that you will cease communications, or to inform me of specific legal action you intend to takewill be considered a violation of the FDCPA. 

If you continue to contact me in any form ( including phone calls, letters, emails, or text messages ), I will not hesitate to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. 

I request that you confirm in writing that you have received this notice and that all communication regarding this matter will cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
At this time, I request a true copy of a Bill of Sale pertaining to a debt purchase that Portfolio Recovery Associates claims they acquired from XXXX XXXX. If there is no Bill of Sale that can be proved on the debt ownership transfer, then the transfer of information is only an identity theft issue. FTC XXXX XXXX Portfolio Associates ( XXXX  ) states in a federal district court decision, that debt transfers for collection must be proven to be 100 % accurate by an assignment of collection responsibility, or as in the case of debt-buyers by a Bill of Sale . If a Bill of Sale can not be shown, then I will file an identity theft claim against Portfolio Recovery Associates with the Federal Trade Commission. DELETE THIS TRSADELINE PERMANENTLY ON ALL CREDIT BUREAUS XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: M&T BANK CORPORATION
State: MO

Complaint narrative:
I have a loan for a Motorhome. 

When I try to pay additional principal, with the regular payment already applied for the month, the lender, M & T Bank, will not apply the additional payment to principal, only to prepay interest. 

Simply put they will not allow me to pay any additional principal. 

Note : I have messaged and called them. The messages have been scrubbed from my banking interface.

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 2025-11-05 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: FL

Complaint narrative:
I am formally disputing the accuracy of the information listed on my TransUnion credit report. The accounts in question need to be properly validated. I am requesting a full investigation and the removal of any unverifiable or inaccurate items in compliance with the Fair Credit Reporting Act ( FCRA ). 

CHARGED OFF XXXX XXXX, XXXX, XX/XX/XXXX, {$2000.00} XXXX, XXXX, XX/XX/XXXX, {$3800.00} INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX LATE PAYMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: SC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: OR

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PORTFOLIO is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIOis a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: NM

Complaint narrative:
I am disputing the following accounts on my Experian credit report : Charged Off XXXX  XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$12000.00} XXXX XXXX  Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$7700.00} Inquiries XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Late Payments XXXX XXXX  Account Number : 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 2025-11-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: WA

Complaint narrative:
My student loans are serviced through Nelnet. They have been failing to process my payments, both online and over the phone. I have been attempting to make payments online for this entire year, and I have tried multiple times over the phone as well. When I submit the payments, I get an email confirming my payment with a confirmation number. My last successful payment was from XX/XX/year>. I have never received any error messages, notifications or emails saying that my payments are unsuccessful. 

However, the payments are never processed. When I contact Nelnet, they say my account and/or routing number must be incorrect ( but I don't get any notification of a failed payment, I only get notifications that my account is past due ). I know with 100 % certainty that my account and routing numbers are correct, I have checked multiple times, and I have even deleted the payment account from my nelnet account online, and re-added it. I always have the same issue. I have also contacted my bank, and they said nelnet has made no attempts to charge my bank account. I have seen dozens of people on XXXX saying they are having the same issues with Nelnet. 

I even filed a complaint with the federal student aid department, but they transferred my complaint to be handled by Nelnet, which makes no sense, as that is who the complaint was about. 

My account is now over 120 days past due, and this has caused my credit score to go from over XXXX earlier this year to XXXX now, solely due to Nelnet 's system issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: FL

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established. 

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

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

15 U.S.C section 604 A Section 2 : 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 7 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.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-11-05 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: OH

Complaint narrative:
This is a formal Dispute Inaccurate XXXX XXXX Auto Finance Reporting Account Number : XXXX Dear Credit Bureau XXXX XXXX XXXX XXXX XXXX, I am formally disputing the XXXX XXXX XXXX Finance account appearing on my credit report as a charge-off with repossession and a {$7600.00} balance. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), you are required to ensure all information reported is accurate, verifiable, and complete. This account contains multiple inconsistencies and potential violations : XXXX. The account shows as charged off while still reflecting a {$7600.00} past due balance, which may constitute double reporting ( FCRA 607 ( b ) ). 
XXXX. The written off amount ( {$28000.00} ) conflicts with the past due amount and does not specify how XXXX XXXX calculated a deficiency after repossession. XXXX. I was not provided with a notice of intent to sell or a post-sale deficiency statement as required under UCC 9-610 and 9-611. 4. The report shows Account previously in dispute investigation complete, yet I have not received full documentation proving the accuracy or ownership of this account. I am requesting that this tradeline be deleted or corrected unless XXXX XXXX XXXX XXXX can provide full documentation, including : - The original signed retail installment contract - The repossession notice and sale documentation - Payment history and itemization of the alleged balance - Proof of Capital Ones right to collect any deficiency amount If the furnisher can not provide these records, this account must be removed from my credit report per FCRA 611 ( a ) ( 5 ). Please conduct a reinvestigation within 30 days of receipt of this letter and send me written confirmation of your findings. 

Sincerely, XXXX XXXX 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 2025-11-05 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I am submitting this complaint because multiple collection agencies have failed to honor a pay-for-delete agreement that was completed in full. 
I entered into written pay-for-delete agreements with National Credit Adjusters and XXXX XXXX Associates. Per our agreements, I paid the agreed amounts in full with the understanding that the related collection accounts would be deleted from my credit reports upon payment. 
After payment, XXXX, the reporting entity, confirmed they would remove the collection entry. Despite completing all terms and receiving confirmation of removal, these accounts remain on my credit reports with the credit reporting agencies. 
This continued reporting is inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishers may not report information they know or reasonably should know is inaccurate.

15 U.S.C. 1681i Requires credit reporting agencies to promptly reinvestigate disputed information. 
15 U.S.C. 1681e ( b ) Credit bureaus must ensure maximum possible accuracy of reported information. 
I have contacted the credit bureaus and provided documentation showing the completed agreements, but the accounts have not been deleted. This has caused ongoing harm to my credit reputation and financial opportunities. 
I am requesting that the CFPB investigate and compel the following actions : XXXX deletion of the collection accounts from my credit reports with all credit bureaus. 
Confirmation from the furnishers ( National Credit Adjusters, XXXX XXXX XXXX, and RDAC ) that they have corrected their reporting. 
XXXX that no further inaccurate information will be furnished related to these accounts. 
Attachments : Pay-for-delete agreements Payment confirmation receipts Correspondence confirming removal from XXXX XXXX credit report showing the inaccurate entries

Company response to consumer: Closed with explanation