vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-01 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: IA

Complaint narrative:
This complaint concerns the severe and unwarranted negative impact on my credit score caused by NelNet 's inaccurate reporting of my federal student loan accounts. I am writing to formally request immediate action to rectify this situation and restore my credit to its accurate state. 

On XX/XX/XXXX, I received notification from my credit monitoring service of a substantial negative impact on my credit report, reflecting late payments on XXXX student loan accounts attributed to NelNet. This was the first time I had ever heard of NelNet. 

My federal student loans were initially serviced by Great Lakes. I consistently made monthly interest payments throughout the COVID-19 forbearance period, from XX/XX/XXXX until XX/XX/XXXX. At that time, Great Lakes indicated my account balances were XXXX, leading me to believe my loans had been forgiven, particularly given the ongoing discussions regarding student loan forgiveness for XXXXXXXX XXXX 

Upon discovering the credit report discrepancies, I contacted NelNet on XX/XX/XXXX. A representative assured me that my accounts were not delinquent, that I was still in forbearance, and that no payment was due until XX/XX/XXXX. She also initiated a credit adjustment request to remove the erroneous late payment reports. I independently filed a similar request with my credit reporting agency. 

On XX/XX/XXXX, I received a letter from NelNet denying my credit adjustment request. A subsequent call with a NelNet supervisor revealed that they claimed to have notified me of the loan transfer from Great Lakes in XXXX. However, the contact information they used was a defunct home phone number. Furthermore, I have no record of any email notification from either Great Lakes or NelNet regarding this transfer. 

I am fully prepared and willing to fulfill my student loan obligations. However, NelNet 's actions have severely damaged my creditworthiness. This is particularly detrimental to my family, which includes XXXX children, XXXX of whom will be XXXX XXXX XXXX XXXX. Additionally, we are planning to build a home on my husband 's family farm to assist his aging parents, a plan now jeopardized by this credit damage. 

I find it unacceptable that NelNet can inflict such severe credit damage without providing adequate and verifiable notification. Their refusal to rectify this situation and their reliance on the federal government as a safety net demonstrates a disregard for consumers. Despite offering to bring my accounts current, the supervisor stated that since I am in forbearance, I can not make payments and that there is no solution to rectify the credit damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: FL

Complaint narrative:
I am writing to formally request the deletion and blocking of all accounts associated with my personal information, as I am a victim of the Equifax data breach. In accordance with the provisions of 15 USC 1681c-2 ( a ), I am exercising my rights to protect my personal information and mitigate any potential harm. 
Below are the details of the accounts I wish to have deleted and blocked : Account Name Account Number ( Partial ) Balance ( $ ) XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX {$3700.00} XXXX XXXX {$20000.00} XXXX XXXX {$120.00} XXXX XXXX  XXXX XXXX {$1300.00} XXXX  XXXX XXXX {$400.00} XXXX XXXX {$200.00} XXXX  XXXX XXXXXXXX XXXX {$87000.00} XXXX XXXX XXXX XXXX {$3800.00} XXXX XXXX {$0.00} XXXX XXXX XXXX  XXXX {$0.00} XXXX XXXX  XXXX {$2000.00} XXXXXXXX XXXX XXXX XXXX {$280.00} XXXX XXXX  XXXX {$760.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX  XXXX {$2000.00} XXXX XXXX  XXXX {$1300.00} XXXXXXXX XXXX XXXX  XXXX {$940.00} XXXX XXXX XXXX XXXX {$930.00} XXXX XXXX XXXX {$390.00} I kindly request confirmation of the deletion and blocking of these accounts at your earliest convenience. Additionally, I ask that you provide written confirmation upon the successful completion of this process. 
If you require any further information or documentation to fulfill this request, please do not hesitate to contact me at the phone number or email address provided above. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: FL

Complaint narrative:
( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-Provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers or dispute outcome.These failures align with my experience, where Experian has neither correct nor removed dispute items despite the evidence I provided causing on going harm to my credit standing I am required immediate correction action to remove or amend the disputed account as Experian inaction violates federal law and my rights as a customer this is my fifth time request regarding the fraudulent account that continues to appear on my credit report.i am deeply troubled as these accounts and inquiries XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Thank 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 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have been receiving a XXXX  code when trying to login with my equifax account for a few months now. I was advised to send social security and id card into equifax in order to resolve issue. this was sent and received by equifax on XX/XX/year>. equifax is stating that they were unable to view the social security card and that it was black. that is not true because I made sure to enlarge the picture as much as I did for the id. this is crucial because I am a victim of identity theft and I need to monitor my report. tracking number : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: LA

Complaint narrative:
I am a victim of identify theft which has left me feeling vulnerable in distress fraudulent accounts were opened in my name without my knowledge or consent, causing significant harm to my credit I am determined to take the necessary steps to clear my name and protect my identify and restore my financial wellbeing. I kindly request thta you remove these fraudulent accounts from my credit report as they do not reflect my financial history or responsibility. I appreciate any support and assistance in overcoming these unfortunate experience.

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 2025-04-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I am filing a formal complaint against XXXX and Santander Consumer USA for their failure to properly investigate and correct an inaccurate account on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). Despite my multiple disputes, the account remains inaccurately listed, causing financial harm and distress. 

The account is listed as charged off in XX/XX/2020, with a balance of {$18000.00} Details of the Violation : * The account in question, Santander Consumer USA Account # XXXX, was charged off and contains incorrect balance information that can not be verified. 
* Under FCRA Section 609, I requested a legally binding contract with my signature as verification. No such document has been provided. 
* The credit bureau is reporting inaccurate, unverifiable, and misleading information, violating FCRA Sections 611 and 623.

* This negligence has negatively impacted my credit score, affecting my ability to secure housing and financial opportunities.

Requested Action : 1. Investigate [ Credit Bureau Name ] and Santander Consumer USA for their noncompliance with federal credit reporting laws. 
2. Require the immediate deletion of this erroneous account from my credit report.

3. Impose necessary sanctions or penalties for their failure to comply with FCRA regulations. 
I expect a prompt response and resolution to this matter. Please provide confirmation of receipt and updates on any actions taken regarding this complaint. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kikoff Inc.
State: VA

Complaint narrative:
The account was paid off but the account remains on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: PA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2025-04-01 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: CL Holdings LLC
State: TX

Complaint narrative:
I am writing to formally file a complaint against XXXX for their failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681o, which addresses civil liability for negligent noncompliance. XXXX negligence in handling my credit report has resulted in financial and reputational harm to me, and I am seeking immediate resolution. 

Complaint Details : On XX/XX/year> I reviewed my credit report from XXXX and noticed several inaccuracies, including : XXXX, XXXX XXXX Bank XXXX XXXX Jefferson Capital System XXXX Jefferson Capital System XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit XXXX XXXX 
I submitted a dispute to XXXX on XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; XX/XX/year> via online requesting supporting documentation to prove the inaccuracies. 
XXXX failed to conduct a reasonable investigation and did not correct the errors within the XXXX period required by law. 
As a result of these errors, I have suffered financial harm, such as denial of credit, increased interest rates, and emotional distress. 

Under 15 U.S. Code 1681o, XXXX is liable for negligently failing to comply with the FCRA, causing me harm. I am requesting the CFPB to take immediate action against XXXX, including : XXXX XXXX corrects the inaccuracies on my credit report. 
XXXX appropriate penalties for their negligence. 
XXXX XXXX to provide a detailed explanation of their investigation process and any corrective actions taken. 

I urge the CFPB to take swift action to hold XXXX accountable for their negligence. 

Thank you for your time and assistance. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
I am getting repeated call/voicemail from someone stating that they are XXXX XXXX XXXX, for debt from XXXX. Latest call was today ( XXXX XXXX XXXX  ) XXXX XXXX  from number XXXX. 
I called XXXX and they say nothing is outstanding. So I believe it is financial scam. I checked my credit reports as well and nothing there. What should I do.

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 2025-04-01 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: PA

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report that is seriously affecting my financial WELL-BEING ... I am aware of my rights under the Fair Credit Reporting Act and I request a thorough investigation concerning these unverified inaccuracies, this is required by FEDERAL LAW!!!! 

My name is XXXX XXXX Account 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 2025-04-01 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: PA

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report that is seriously affecting my financial WELL-BEING ... I am aware of my rights under the Fair Credit Reporting Act and I request a thorough investigation concerning these unverified inaccuracies, this is required by FEDERAL LAW!!!! 

My name is XXXX XXXX Account XXXX  XXXX Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: TX

Complaint narrative:
Dept of education refuse to remove accounts due to identity theft

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 2025-04-01 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: TX

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

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 2025-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
|I enrolled in a debt resolution program with XXXX XXXX XXXX in XX/XX/XXXX and authorized them through a Power of Attorney to negotiate with my creditors, including Wells Fargo Bank , N.A . I have made consistent monthly payments of {$460.00}, processed by XXXX XXXX XXXX. 

Despite Wells Fargo being listed in my agreement since XX/XX/XXXX, the company failed to negotiate or notify me of any issues. On XX/XX/XXXX, I started receiving letters from attorneys informing me that Wells Fargo had filed a lawsuit ( XXXX Case # XXXX ). I was never advised of this risk by XXXX XXXX XXXX, nor did they inform me of any failed negotiations. 

On multiple occasions, including XX/XX/XXXX and XX/XX/XXXX, I contacted my assigned representative requesting information about the status of the account and any actions taken. I did not receive a clear response or explanation. 

Meanwhile, other accounts ( such as XXXX  XXXX XXXX ) were successfully negotiated, which confirms the program was active. The failure to act or communicate regarding Wells Fargo has now exposed me to legal and financial harm. I have documented everything and attached a formal complaint and evidence file.

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 2025-04-01 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: GA

Complaint narrative:
Formal Complaint Against Experian Reporting of Collection Management Account Complaint Details : I am filing this formal complaint against Experian regarding the inaccurate and unlawful reporting of a collection account listed on my credit file. 

Account Information : Collection Agency : Collection Management Original Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$790.00} Date Opened : XX/XX/year> Nature of Complaint : This collection account is being reported inaccurately and in violation of my consumer rights. Specifically : Violation of FCRA, 15 U.S.C. 1681e ( b ) : Experian has failed to ensure maximum possible accuracy by reporting this account without verification or validation.

Violation of FCRA, 15 U.S.C. 1681i ( a ) : I previously disputed this account, yet Experian has failed to conduct a reasonable reinvestigation.

Violation of FCRA, 15 U.S.C. 1681s-2 ( b ) : The data furnisher failed to properly investigate and correct inaccurate information after notification.

Violation of FDCPA, 15 U.S.C. 1692e ( 8 ) : The collection agency reported this debt without disclosing that it is disputed.

Violation of FDCPA, 15 U.S.C. 1692d : Continued negative reporting constitutes harassment and abuse.

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 2025-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
There is a collection on my report that is harming my credit. I have no knowledge of this collection or where this amount is from. This is not my debt. I would like to have this debt removed as a courtesy, due to the lack of proper documentation. Improper handling of this debt. Also this debt has been harming my credit and Im held accountable for a debt I did not create which in my case is not fair at all that I should have to suffer the impact of some else 's lack of knowledge or understanding.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief