vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: FlexShopper, Inc
State: CT

Complaint narrative:
I received a call on XX/XX/year> stating that a formal claim was being brought against me and the person on the phone needed to verify my address and place of employment. The caller provided me with a claim number ( XXXX ). The caller states, " At this point, I want opportunity to contact the firm handling the claim to discuss this matter. '' The caller provided a number to call back. Once I received this, I called the provided number and reached a representative. There, he took the claim number and was able to verify my name and date of birth. The representative mentioned a lender I've used to in the past. The representative provided the correct name of the lender, date, merchandise, and amount loaned. I was asked by this person " Did you intend not to pay back this lender. '' I said no, and included that I haven't received any correspondence from this lender since the date in question. The representative then proceeded to present an option for repayment on a bi-weekly schedule in order to stop any pending legal action. I agreed due to the information seeming accurate. Over the phone, the representative took a payment of {$250.00} and several scheduled payments bi-weekly. I was told I would receive an email confirming my payment as well as the scheduled upcoming payments to satisfy what was owed. Satisfied with this, I waited for an email from this company, when I didn't receive one I called back and was told I they would send it again. When I didn't receive it, I called back and offered another email. Upon further investigation, I checked my bank statement and I noticed the charge of {$250.00} from " XXXX XXXX '' as discussed and I noticed there was an address listed. When I looked up the address, it revealed that the businesses address was a residential home. Given the above circumstances, I didn't feel confident this transaction or business was legitimate so I called my back to dispute the charge, they were unable to refund they payment but instead provided me with resource to report the incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am disputing multiple inaccurate and unauthorized entries on my Experian credit report. My legal name is XXXX XXXX XXXX XXXX XXXX, yet Experian is reporting an incorrect name variation listed as " XXXX XXXX XXXX '' which is clearly wrong. In addition, there are outdated and inaccurate addresses on file, including XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX, which were reported without my consent. My correct and only current address is XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX. These entries are in direct violation of the Fair Credit Reporting Act, specifically 15 U.S.C. 1681e ( b ) which requires maximum possible accuracy, and 15 U.S.C. 1681b which limits reporting to information with a valid permissible purpose. Experians continued failure to correct these inaccuracies amounts to willful noncompliance under 15 U.S.C. 1681n, subject to damages of up to {$1000.00} per violation.

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 2025-05-01 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: FL

Complaint narrative:
Dear CFPB, I am filing this complaint against Experian for inaccurate reporting of my XXXX XXXX XXXX account ( Account Number : XXXX ), which violates the Fair Credit Reporting Act ( FCRA ). Experians actions have caused significant financial harm, costing me thousands annually in higher interest rates and denied credit opportunities. 

Experians report, dated XX/XX/XXXX, lists this account with a {$260.00} balance, a charge-off status as of XX/XX/XXXX, and 59 potentially negative months. However, XXXX report, dated XX/XX/XXXX, correctly shows the account as closed with a {$0.00} balance since XX/XX/XXXX and " pays as agreed '' status. This discrepancy indicates Experian is re-aging the account by falsely updating its status and balance, a direct violation of FCRA Section 623 ( a ) ( 5 ) ( 15 U.S.C. 1681s-2 ( a ) ( 5 ) ), which prohibits inaccurate reporting of delinquency dates. Additionally, Experian failed to conduct a reasonable investigation after my disputes, as required by FCRA Section 611 ( 15 U.S.C. 1681i ), and did not provide detailed verification methods or a 1099-C form for the alleged charge-off, further violating FCRA regulations.

I demand that Experian : Cease re-aging the account and provide proof of a proper investigation, including the 1099-C form.

I have attached copies of both credit reports, my identification, and proof of address. Please investigate Experians violations and ensure compliance with the FCRA. I expect a resolution and will monitor my credit report for corrections.

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 2025-05-01 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: Nelnet, Inc.
State: NC

Complaint narrative:
I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Government Efficiency ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ).

2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information.

3. My IRS tax transcripts, which were obtained and used without proper authorization.

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: AZ

Complaint narrative:
Pursuant to my rights under the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692g, I formally requested validation of the alleged debts referenced as Collection account opened 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 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 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 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 Despite my lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: NC

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-05-01 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: TX

Complaint narrative:
My account with ( XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX 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 in XXXX OF XXXX, XXXX AND XXXX OF XXXX to be removed. 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 XXXX  days before the payment due date. XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: EQUIFAX, INC.
State: GA

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 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 - XXXXXXXX XXXX  - XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXXXXXX XXXX  - XXXX XXXX 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 2025-05-01 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:
XXXX  XXXX XXXX Florida is trying to collect a balance that is not owed by me but is owed by Veteran affairs. XXXX  XXXX XXXX waited until 6 months had passed before notified me that they had received payment from Veterans Affairs. In good faith while Veterans Affairs gets things rectified, I did make about XXXX payments, however XXXX  XXXX XXXX Florida sent account to collections and lied to the company stating they never received any payments which LIE. the balance they have listed is Wrong. I offered directly to the University to settle the account {$200.00}, remove account completely from tradeline and I would get reimbursed by veteran affairs. But the university declined and blocked me access from my account. I am a XXXX veteran and single parent. And I am not responsible for the failures of veteran affairs and XXXX  XXXX XXXX Florida. I should have been alerted well before 6 months by the school first. my family is still struggle from hurricane damage and even then, I still offered a resolution because I know veterans affairs has a long process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: FL

Complaint narrative:
XXXX  XXXX XXXX Florida is trying to collect a balance that is not owed by me but is owed by Veteran affairs. XXXX  XXXX XXXX waited until 6 months had passed before notified me that they had received payment from Veterans Affairs. In good faith while Veterans Affairs gets things rectified, I did make about XXXX payments, however XXXX  XXXX XXXX Florida sent account to collections and lied to the company stating they never received any payments which LIE. the balance they have listed is Wrong. I offered directly to the University to settle the account {$200.00}, remove account completely from tradeline and I would get reimbursed by veteran affairs. But the university declined and blocked me access from my account. I am a XXXX veteran and single parent. And I am not responsible for the failures of veteran affairs and XXXX  XXXX XXXX Florida. I should have been alerted well before 6 months by the school first. my family is still struggle from hurricane damage and even then, I still offered a resolution because I know veterans affairs has a long process.

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 2025-05-01 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc.
State: GA

Complaint narrative:
Prior to COVID, as well during COVID, I requested the providence of the loan. I requested the purchaser ( s ) of the loan. I did this because the rates and totals appeared exorbitant. I dealt with an aggressive cadre of revolving loan officers where [ inconveniently ] English was not their XXXX tongue. During the months ' ( well over a year ) process, the loan exchanged hands again and again and the process began again as well. 

I've been taken advantage and it ceases today. I live very much like a puppet ; strings manipulated by the fingers and capricious fancy of a puppeteer. 

I can not compete with knowledge and know-how of these financiers. I am prey to them. This is catch & release. Only it is my family and future at stake. 

Remove the loan. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital one XXXX XXXX XXXX  XXXX XXXX XXXX XXXX This company is continuously reporting falsely information to the credit bureau that has not or does not exist I have no credit with this company and no have I dealt with this company whatever this company is reporting is fraudulent fraudulent so with this fraud going on I will ask the government to ask the company to stop reporting false information to the bureau immediately thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: MI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-05-01 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: MI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-05-01 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: WV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Service International Corp
State: TX

Complaint narrative:
I mailed a certified letter to " XXXX XXXX XXXXXXXX XXXX '' on XX/XX/XXXX requesting debt validation and to cease all collection activity from reporting to the credit bureaus until debt validation is received. The certified letter was delivered XX/XX/XXXX, but on XX/XX/XXXX they still reported a missed payment on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation