vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-10 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: IN

Complaint narrative:
I am filing this complaint against Nelnet due to severe and unjustified negative credit reporting that has significantly impacted my financial standing. My credit report was recently updated to reflect over XXXX late payment entries from Nelnet, which has caused my credit score to drop by XXXX points. This action was taken without any prior notice, warning, or correspondenceI did not receive any emails, letters, or alerts informing me of this drastic change before it was reported to the credit bureaus. 


Additionally, I have become aware of an ongoing data breach involving student loan accounts, which raises serious concerns regarding unauthorized access to my personal and financial information raising concerns over a FERPA violation. Given this security lapse, I have reason to believe that my account records may have been compromised or altered without my consent. 


I am in the process of purchasing a home and this has caused my loan to be halted until this is remedied. This has caused extreme financial distress and this error in reporting needs to be remedied immediately. I did not authorize any changes to my account status, and I no longer feel comfortable having my student loans serviced and reported to the credit bureaus under these conditions. 


Violations and Consumer Protection Rights 1. Failure to Provide Notice of Negative Credit Reporting - Under the Fair Credit Reporting Act ( FCRA ), loan servicers are required to provide accurate and fair reporting. I was not notified in advance that these accounts would be marked late, which denied me the opportunity to address any potential issues before they were reported. 


2. Possible Unauthorized Reporting and Account Compromise Due to Data Breach - The reported data breach involving Nelnet raises serious questions about the integrity of my loan accounts. If my data was exposed or manipulated, Nelnet may have incorrectly or fraudulently reported late payments that I did not actually incur.

3. Failure to Properly Investigate and Verify Account Status - Given the security risks and errors in reporting, I request full verification and documentation proving the legitimacy of the late payments, including a detailed account history showing how and when they were marked late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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:
Dear Transunion I am writing to formally dispute and request the immediate deletion of inaccurate personal information and fraudulent inquiries from my credit report. On XX/XX/XXXX, I had my credit ran to try to get my first home, and I noticed these accounts and inquiries.Under 15 U.S.C. 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ), I have the right to accurate reporting of my personal identifying information. This request is being made in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

Correct Information : Full Legal Name : XXXX XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Factual Basis for Dispute : Any other name variations, misspellings, or aliases appearing on my report are inaccurate and must be corrected or removed. 


Any addresses that do not match my current identification must be deleted, as they are outdated, incorrect, or potentially linked to fraudulent activity. 
Incorrect Names to Delete : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Incorrect or Fraudulent Addresses to Delete : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX TransUnion Inquiries XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Miscellaneous Automotive XX/XX/XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX Auto Loans XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Miscellaneous Automotive XX/XX/XXXX Factual Basis for Dispute : Any other name variations, misspellings, or aliases appearing on my report are inaccurate and must be corrected or removed. 


Any addresses that do not match my current identification must be deleted, as they are outdated, incorrect, or potentially linked to fraudulent activity.

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 2025-04-10 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: FL

Complaint narrative:
They are reporting a company call XXXX XXXX XXXX on my credit report. 
I never had an account with them or any comunication with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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 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 2025-04-10 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: LA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: WA

Complaint narrative:
This accounts has been previously disputed and came back as verified. However, no documentation or supporting evidence has been provided to substantiate the validity, accuracy, or ownership of the accounts a clear violation of my rights under the Fair Credit Reporting Act XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX {$3800.00} XXXX XXXX XXXX XX/XX/XXXX {$1800.00}

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 2025-04-10 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: AR

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-04-10 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: TX

Complaint narrative:
I have discovered late payment notations on my credit report that are false and need to be corrected right away. These inaccuracies are unfairly reducing my credit score and jeopardizing my financial health. I consider this completely unacceptable.

Some of the reported late payments were made on time, while others appear to stem from internal processing issues. If these late marks can not be validated with original recordssuch as dated billing statements and signed account agreementsthey should not be present on my credit file. The FCRA requires all reported data to be factually accurate and verifiable. 

I am demanding the immediate correction or deletion of these late payment entries. If the reporting companies can not produce solid, documented proof, these items must be removed. Failure to address this promptly will be considered a deliberate violation of federal consumer protection laws.

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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are several inaccurate items appearing on my credit report that must be addressed without delay. Some contain incorrect information that doesnt match any of my records, others are completely unfamiliar, and several appear to have been added without any proper verification. This is a clear violation of the FCRA, which requires that all data on a credit report be 100 % accurate and verifiable through reliable documentation. 

To resolve this issue, I am demanding the immediate and permanent removal of all disputed information. If the data furnishers can not produce valid evidence confirming the accuracy of these entries, they have no legal right to remain on my file. I expect prompt action to correct these errors and restore the accuracy of 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 non-monetary relief
Consumer complaint received 2025-04-10 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: OK

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 non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Self Financial Inc.
State: NC

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding Self Financial, a company I have an account with. Recently, they contacted me requesting verification documents, specifically a bank statement for an account ending in XXXX. Unfortunately, I no longer have access to this account, nor is the associated bank operational, meaning I can not retrieve this information. 

Despite informing Self Financial of this, they are withholding access to my funds and refusing to allow the use of my Self card until I provide this unattainable documentation. Ive made it clear that I can not comply with their request, yet they are continuing to block access to my money.

Self Financial claims this verification is part of their regulatory responsibilities, but their refusal to provide an alternative verification method or to release my fundsespecially considering the circumstances of the defunct bankfeels excessive, punitive, and unfair. 

This effectively traps consumers who can not meet their narrowly defined verification requirements, especially when those requirements involve third parties that no longer exist. Their approach is unreasonable and creates a serious barrier to financial access and customer service. 

I am requesting the CFPB to investigate this matter and ensure Self Financial is not using unverifiable demands to unjustly restrict or withhold customer funds. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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 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 2025-04-10 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: SC

Complaint narrative:
I need your help investigating accounts from companies that have inaccurately reported late payments. After reviewing my credit report, I found certain accounts showing late payments that should not be there. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to reflect a positive status as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX 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 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 2025-04-10 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: AR

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$830.00} XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$710.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$830.00} XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$670.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$84.00} INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: MO

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-04-10 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: CA

Complaint narrative:
There are several inaccurate items appearing on my credit report that must be addressed without delay. Some contain incorrect information that doesnt match any of my records, others are completely unfamiliar, and several appear to have been added without any proper verification. This is a clear violation of the FCRA, which requires that all data on a credit report be 100 % accurate and verifiable through reliable documentation. 

To resolve this issue, I am demanding the immediate and permanent removal of all disputed information. If the data furnishers can not produce valid evidence confirming the accuracy of these entries, they have no legal right to remain on my file. I expect prompt action to correct these errors and restore the accuracy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
I am writing to formally file a complaint regarding my recent experience with Bridgecrest and XXXX XXXX in relation to a vehicle repair claim. The handling of this matter has caused me significant financial and emotional distress due to poor communication, lack of urgency, and failure to uphold the commitments made by your representatives. 

To begin with, I was assured by XXXX, a member of the Bridgecrest compliance team, as well as XXXX, the assigned adjuster from XXXX, that I would be reimbursed in full for repair costs associated with my claim. However, I have not received the full reimbursement amount as originally communicated. The discrepancy in what was promised and what has been provided is unacceptable, especially considering the financial strain this situation has already caused me. 

Additionally, due to the delays and lack of communication surrounding the approval and reimbursement process, I experienced a significant reduction in my work hours, which directly impacted my ability to earn income. These lost wages are a direct result of the mishandling of my claim, as I was unable to work while my vehicle was out of commission for an extended period, waiting for decisions and next steps that should have been prioritized and clearly communicated. 

The lack of transparency and urgency displayed throughout this process is extremely disappointing. Multiple calls and messages were left unanswered or unreturned, forcing me to chase updates that should have been proactively provided. This lack of responsiveness added unnecessary stress and prolonged the time it took to resolve the issue. 
I am requesting immediate action to : 1. Reimburse the full amount previously stated by both XXXX and XXXX. 
2. Provide compensation for the lost wages incurred due to the delays in processing and communication. 
3. Review and address the internal breakdowns in communication and claim handling procedures that contributed to this poor experience. 

I expect a prompt resolution to this matter and a formal response acknowledging this complaint. If not resolved satisfactorily, I am prepared to escalate this issue to external consumer protection agencies and consider further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

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 2025-04-11 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: FL

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: TX

Complaint narrative:
I am following up on my previously submitted dispute regarding inaccurate and unverifiable accounts on my credit report, which remain unresolved. Despite my prior request for reinvestigation, I have yet to receive a satisfactory response. Therefore, I am once again requesting the source of this information and the specific methods used to verify its accuracy. 

Additionally, I am writing to dispute the inaccurate reporting of the account listed below on my credit report : Creditor Name : XXXX XXXX Account Number : XXXX Vehicle : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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:
I am following up on my previously submitted dispute regarding inaccurate and unverifiable accounts on my credit report, which remain unresolved. Despite my prior request for reinvestigation, I have yet to receive a satisfactory response. Therefore, I am once again requesting the source of this information and the specific methods used to verify its accuracy. 

Additionally, I am writing to dispute the inaccurate reporting of the account listed below on my credit report : Creditor Name : XXXX XXXX Account Number : XXXX Vehicle : 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