vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-06 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: TX

Complaint narrative:
. 682.411 ( c ) ( 1 ) states that for accounts XXXX days delinquent, the lender must send at least XXXX written notice or collection letter to the borrower informing the borrower of the delinquency. I received no such letter I did not even know they were my loan processor. Credit score dropped XXXX points in XXXX day. looking at my forbearance history Nelnet bought prior lender. prior terms not met. When inquiring about my XXXX option I was told that even if I submitted an application it's not likely that it would be processed and would likely get lost in their transition. they not meet the terms that have been set I never received any letters that address on file was a forwarding address and I would have received it if they sent it. BY acknowledging they would not do their due diligence FOR THOSE WITH A XXXX claim application XXXX right are violated. My credit report States only the XXXX mark they did not notify the credit bureaus XXXX or XXXX or XXXX in fact on my report I'm in good standing the months prior to the XXXX mark. Nelnet pushed aggressively that me disputing or reporting this would hurt my XXXX XXXX in an attempt to deter me from figuring out how I go from being in good standing standing the month before I get a XXXX notice on my credit report had any attempt been made to send me that letter or to even mark on my credit report XXXX XXXX  days I could have resolved this issue earlier instead they put me in good standing all the way up to a XXXX mark my loans are to be in forbearance and I pray for all those in the XXXX community that they figure out a way to not lose our applications as I was told on record over the phone in fact they stated they don't even have a team to process them so I may be out of luck that is direct inequity I should not have to learn about a XXXX notice I should have been contacted or dinged on my XXXX XXXX earlier as is an option But instead they decided to wait XXXX  days Before we could discuss it And even when we did I was told that they don't have all the records

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: AL

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 2025-03-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

I demand that the following accounts be verified or removed immediately : Midland Credit XXXX XXXX. 
In addition, please remove all non-account holding inquries over XXXX days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have XXXX ( XXXX ) days to complete your re-investigatio? Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: IL

Complaint narrative:
REMOVE : XXXX XXXX XXXX, XXXX & XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I NEVER AUTHORIZED AN INQUIRY WITH XXXX  XXXX  DEALERSHIP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-03-06 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc.
State: NV

Complaint narrative:
I HAVE SENT THIS INFORMATION TO INNOVIS OVER AND OVER AGAIN. THEY CONTINUE TO LIE AND SAY THEY NEVER RECEIVED IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-06 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-06 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: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: GA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

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 2025-03-06 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: SC

Complaint narrative:
I am filing this complaint against TransUnion, Equifax, and Experian for failing to address my repeated disputes regarding fraudulent and inaccurate information on my credit reports, despite providing all necessary documentation, including an FTC Identity Theft Report, a copy of my identification, and proof of residence. These credit bureaus have violated my rights under the Fair Credit Reporting Act ( FCRA ) by failing to properly investigate and remove the disputed items.

The following accounts and inquiries have been improperly reported on my credit file and must be immediately deleted or corrected : Unauthorized Inquiry XXXXXXXX XXXX XXXX Date : XXXXXX/XX/year> ) This inquiry was made without my consent and lacks a permissible purpose, violating XXXX XXXX Code XXXX ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

Requested Action : Immediate removal of this inquiry. 
Billing Error XXXX XXXX XXXX Account Number : XXXX ) ** My payments have always been made on time, yet this account is inaccurately reported as delinquent, violating 15 U.S. Code 1666B. 
Requested Action : Correct or update this inaccurate information. 
Reinserted Debt Without Notification XXXX XXXX ( Account Number : XXXX ) ** This debt was reinserted into my credit report without the required notification, violating 15 U.S. Code 1681i ( a ) ( 5 ) ( B ).

Requested Action : Immediate removal of this account. 
Failure to Complete Reinvestigation in 30 Days XXXX XXXX ( Account Number : XXXX ) ** The credit bureaus have exceeded the 30-day investigation period, in violation of 15 U.S. Code 1681i ( a ) ( 1 ) ( A ).

Requested Action : Delete this account from my credit report. 
HIPAA Violation United Collection Bureau ( Original Creditor : XXXX XXXX XXXX ) ( Account Number : XXXX ) ** Medical information is being reported on my credit file in violation of HIPAA regulations and FCRA Section 623 ( A ) ( 3 ). 
Requested Action : Delete this account immediately. 
Despite my prior dispute letters, TransUnion, Equifax, and Experian have not taken appropriate action. Their failure to comply is a direct violation of 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 non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Since XXXX, Ive told TransUnion multiple times to stop putting UNAUTHORIZED freezes on my account and yet they have continued to do so, as of XX/XX/XXXXXXXX

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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am filing this complaint against XXXX XXXX and [ Credit Bureau XXXX ] for inaccurate reporting on my credit file and failure to properly investigate my dispute, violating my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 



Issue Summary : 1. Incomplete Payment History : XXXX XXXX XXXX account ( Acct # XXXX ] ) has missing or incomplete payment history from XXXX to XXXX. Under XXXX XXXX. XXXX ( b ), the credit bureau must ensure accurate reporting. If XXXX can not verify this data, it should be updated or removed. 

2. Incorrect Balance Reporting : My credit report shows an incorrect balance of {$5000.00}, which does not match my records. Per 15 U.S.C. 1681i ( a ) ( 1 ), the bureau must investigate and correct inaccurate information. 

XXXX. Failure to Remove Unverifiable Information : The credit bureau and XXXX have failed to provide documentation proving the accuracy of the reported data. Under 15 U.S.C. 1681i ( a ) ( 5 ), unverifiable data must be deleted from my report. 

XXXX. Neglect of FCRA XXXX : XXXX XXXX is responsible for reporting accurate information under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) but has failed to do so. The credit bureau has also failed to conduct a proper reinvestigation per 15 U.S.C. 1681s-2 ( b ).

Due to these errors, I have experienced credit score damage, financial loss, and difficulty securing loans. This has caused undue stress, inconvenience, and wasted time disputing inaccurate information that should have been corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am filing this complaint against XXXX XXXX and [ Credit Bureau XXXX ] for inaccurate reporting on my credit file and failure to properly investigate my dispute, violating my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 



Issue Summary : 1. Incomplete Payment History : XXXX XXXX XXXX account ( Acct # XXXX ] ) has missing or incomplete payment history from XXXX to XXXX. Under XXXX XXXX. XXXX ( b ), the credit bureau must ensure accurate reporting. If XXXX can not verify this data, it should be updated or removed. 

2. Incorrect Balance Reporting : My credit report shows an incorrect balance of {$5000.00}, which does not match my records. Per 15 U.S.C. 1681i ( a ) ( 1 ), the bureau must investigate and correct inaccurate information. 

XXXX. Failure to Remove Unverifiable Information : The credit bureau and XXXX have failed to provide documentation proving the accuracy of the reported data. Under 15 U.S.C. 1681i ( a ) ( 5 ), unverifiable data must be deleted from my report. 

XXXX. Neglect of FCRA XXXX : XXXX XXXX is responsible for reporting accurate information under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) but has failed to do so. The credit bureau has also failed to conduct a proper reinvestigation per 15 U.S.C. 1681s-2 ( b ).

Due to these errors, I have experienced credit score damage, financial loss, and difficulty securing loans. This has caused undue stress, inconvenience, and wasted time disputing inaccurate information that should have been corrected.

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 2025-03-06 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX collections agency Filed a adverse report on my credit report stating that I owed money. 
I had send proof that I dont have any debt and also did not owe any company. I had filled out the identity theft report and they still insisted that I owed them.

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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
my credit score dropped XXXX points from another XXXX XXXX charge that i was not even aware of. i only XXXX XXXX XXXX XXXX XXXX XXXX and i talked to the XXXX XXXX XXXX XXXX XXXX she only mentioned to me i owed just XXXX $ now the credit bureaus are stating i owe XXXX XXXX {$2800.00} on XX/XX/year>. I called XXXX XXXX to ask about this, they claim its a another fee just now being reported to my credit after 4 years.

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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/year>, I have repeatedly been trying to unfreeze my credit report with Equifax for a time-critical purchase and have been unable to do so either from their web portal or via the telephone. Its been extremely frustrating and unacceptable. From their web portal, when I attempt to access my account, it fails stating the login information is incorrect even though it is. When I call either phone number, which I had to research since they're not listed on their website, I get stuck in an endless holding pattern and after 30 minutes or so, the call drops.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: IL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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