vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This correspondence serves as a formal follow-up and final notice regarding your continued noncompliance with the Fair Credit Reporting Act ( FCRA ), despite my previous dispute dated XX/XX/XXXX. To date, you have failed to conduct a proper reinvestigation of the disputed account listed below, nor have you provided the legally required verification documentation in response to my demand under FCRA 611 ( a ).

Let me remind you that under FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ), you are obligated to complete a reasonable reinvestigation of disputed information and to delete or modify any unverifiable data. Additionally, under FCRA 623 ( b ), data furnishers must investigate and report the results of the reinvestigation to the credit reporting agency in a timely and accurate manner. Your failure to do so not only undermines the integrity of the credit reporting system but also exposes your organization to significant legal liability under FCRA 617 for damages resulting from your willful or negligent noncompliance. Despite my prior request, you have not produced any of the following : 1.A copy of the original creditor agreement bearing my signature ( if applicable ) ; 2.Records or communications used to verify the accuracy of the disputed information ; 3.Documentation outlining your reinvestigation procedure and final findings.

Without this verification, continued reporting of inaccurate information violates FCRA 611 ( a ) ( 5 ) ( A ), which explicitly requires deletion if information can not be verified.

Continued Noncompliance Legal Implications You are now in a clear pattern of willful noncompliance. I remind you of the precedent set in : XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) where failure to conduct a reasonable reinvestigation was held as willful noncompliance ; XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) where damages were awarded due to inaccurate reporting and failure to properly reinvestigate. 

I reserve all rights to pursue monetary damages, including : Statutory damages up to {$1000.00} per violation ; Punitive damages for willful noncompliance ; Compensation for actual damages, including emotional distress and credit denials ; Legal fees and court costs, if litigation becomes necessary. 

XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I am writing to formally request a goodwill adjustment to remove the negative remarks associated with late payments on the above-referenced account, which have been reported to the major credit bureaus. 

While I understand the importance of timely payments, I respectfully ask for leniency regarding these marks. These late payments do not reflect my overall payment behavior or commitment to honoring my obligations. Since that time, I have worked diligently to keep my account in good standing and have made consistent on-time payments. 

The presence of these derogatory marks is severely impacting my credit score and hindering my ability to move forward financially. I am asking that you consider removing these late payments as an act of goodwill, particularly since I value my relationship with your company and have shown clear efforts to maintain a positive payment history. 

This request is not a dispute, but rather a good faith appeal to your discretion to support a loyal and responsible customer. Please update all three credit bureausXXXX XXXX and XXXX the removal of the late payments, or provide a direct communication of this adjustment. 

Thank you in advance for your consideration and understanding. I would appreciate a written confirmation once this goodwill adjustment has been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
I entered into XXXX. XXXX bankruptcy in XXXX due to job loss to save my home. After I was able to find full time employment, I was able to request for XXXX. XXXX dismissal and bring my mortgage current. Since the discharge on XX/XX/XXXX, I have made every mortgage payment on time. The payments are not reporting to my credit since the debt was not reaffirmed but from what I understand, if the debt was report to the credit agencies prior to the XXXX XXXX, it should be reporting after the dismissal as well. The mortgage was being reporting prior to filing for bankruptcy in XXXX. This issue is greatly affecting my credit score since I am trying to rebuild my credit but credit cards can only offer so much to help my score.

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 2025-05-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: FL

Complaint narrative:
Big picture loans. 
I took out a loan due to a family emergency for {$2500.00} XX/XX/XXXX, XXXX payment due XXXX XXXX, paid {$470.00}, I missed a payment on XX/XX/XXXX because it wasnt setup for monthly payments like I requested on the XXXX knowing I was going to pay it off at the end of the month. I made a payment for {$2500.00} XX/XX/XXXX the company XXXX applied penalties in an amount over {$400.00} they werent clear on how it was calculated, then applied interest even though the payment was early and was supposed to be directed towards the principal instead. So instead of nearly paying the loan off they only applied just over XXXX of the XXXX to the principal. In summary I will be paying {$4700.00} for a {$2500.00} loan that was repaid in about XXXX days due to imaginative accounting and " tribal protections ''. XXXX needs to end predatory protections for " tribal entities ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I am filing this complaint under my rights as defined in the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) regarding inaccurate or unverifiable information appearing on my credit report. The items in question include : Collection Account : LVNV FUNDING LLC Collection Amount : {$1200.00} Account Info : XXXX Contact Info LVNV FUNDING LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts are either inaccurate, do not belong to me, or can not be verified in compliance with federal law. I have attempted to dispute these with the relevant credit bureaus and/or furnishers, but have not received a satisfactory or timely resolution. 

Under 15 U.S.C. 1681i, information that can not be verified must be deleted from my report. I am requesting that these accounts be investigated and removed from all credit reporting agencies. 

I respectfully ask that this issue be resolved within 14 days as the ongoing inaccurate reporting is causing harm to my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
Hi Team, I am filing a complaint regarding a negative credit report entry from Nelnet, my federal student loan servicer. I was recently marked as XXXX  days delinquent on my loan, which significantly impacted my credit score. However, I did not receive any XXXX or XXXX delinquency notices prior to this report the loan was marked XXXX  days late with no prior communication from Nelnet. 

I have since brought the account current and am now up to date with all payments. I contacted Nelnet to request a goodwill adjustment, but they stated they do not accept goodwill requests. I also inquired about their communication process regarding late payments, and I was told they do not notify borrowers at the XXXX or XXXX mark. 

I believe this process is unfair and possibly in violation of fair servicing practices. At a minimum, borrowers should be informed as they fall behind so they can correct the issue before major credit damage occurs. Additionally, I am requesting that the credit reporting be reviewed for accuracy, including whether the XXXX timeline was met and appropriately communicated. 

I am requesting that this delinquency entry be removed or corrected, or that Nelnet provide evidence of the full communication and reporting timeline. I would appreciate the CFPB 's assistance in investigating this matter. 

In addition, upon reviewing my credit report, I discovered a clear inconsistency : the Nelnet loan is marked as " current '' for the same time period during which they reported me as 90 days delinquent. This discrepancy indicates either inaccurate reporting or improper credit data transmission. According to the Fair Credit Reporting Act, all information furnished to credit bureaus must be accurate and consistent. I am requesting a full investigation into this inconsistency and a correction or removal of the negative mark. 

I've included as well a screenshot of my only email address that I use, with no attempt from NelNet to contact me to pay the balance. 

Any help is greatly appreciate, please let me know if there's anything I can do. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I opened a XXXX  XXXX account in XXXX they closed my account which left a balance of XXXX XXXX dollars They wrote it of as a charge off etc they never sent me 1099c forward to XXXX they are still reporting this on my credit this is fraud they got the debt paid I need to report this to the IRS I was part of the XXXX XXXX XXXX breach and say they will report until XXXX they got a tax write off for it already why do they keep reporting this on my credit XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: VA

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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: SC

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: PA

Complaint narrative:
I am a victim of identity theft, as confirmed by : FTC Identity Theft Report # XXXX Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), I demand immediate blocking of the following fraudulent derogatory accounts from my credit reports within 4 business days. These accounts were opened without my knowledge or consent : Fraudulent Accounts to Block TransUnion XXXX XXXX ( Collections ) Account # : XXXX Original Creditor : XXXX XXXX XXXX Fraudulent Balance : {$4600.00} XXXX ( Delinquency ) Account # : XXXX Status : 90 days past due Balance : {$160.00} XXXX ( Delinquency ) Account # : XXXX Status : 90 days past due Balance : {$170.00} XXXX XXXX XXXX  ( Delinquency ) Account # : XXXX Status : 60 days past due Experian XXXX XXXX XXXX XXXXXXXX ( Charge-Off ) Account # : XXXX Fraudulent Balance : {$910.00} XXXX XXXX XXXXXXXX XXXX ( Charge-Off ) Account # : XXXX Fraudulent Balance : {$16000.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Fraudulent Balance : {$290.00} XXXX XXXX XXXX ( Charge-Off ) Account # : XXXX Fraudulent Balance : {$220.00} XXXX XXXX XXXX ( Charge-Off ) Account # : XXXX Fraudulent Balance : {$15.00} XXXX XXXX XXXX ( Collections ) Account # : XXXX Original Creditor XXXX XXXX Fraudulent Balance : {$1000.00} XXXX XXXX XXXX ( Collections ) Account # : XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX Fraudulent Balance : {$1100.00} XXXX CXXXX XXXX ( Collections ) Account # : XXXX Original Creditor : XXXX Fraudulent Balance : {$160.00} Equifax XXXX XXXX XXXX XXXX Delinquency XXXX Account # : XXXX Status : 120+ days past due XXXX XXXX XXXX  ( Delinquency ) Account # : XXXX Balance : {$160.00} XXXX XXXX XXXX  ( Delinquency ) Account # : XXXX Balance : {$170.00} XXXX ( Collections ) Account # : XXXX Status : Paid collection

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 2025-05-04 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am filing this formal dispute and complaint under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) regarding an account that has been paid in full and closed, yet it continues to appear on my credit report with inaccurate and misleading information.\n Account Details : - Creditor Name : [ JPMCB CARD ON CREDIT REPORT - Account Number : [ XXXX ] -ACCOUNT NUMBER : XXXX - Credit Reporting Agencies : [ XXXX XXXX XXXX ] - Date Paid in Full : [ CLOSED OR PAID ACCOUNT/XXXX BALANCE- ] - This account was settled and closed, and as such, reporting it as unpaid, active, or derogatory is a direct violation of my consumer rights under federal law.\n 1. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. - 1681i ( a ) Requires credit reporting agencies to investigate any disputed information within 30 days. - 1681s-2 ( a ) ( 1 ) ( A ) Furnishers of information must not report inaccurate or incomplete information. - 1681c ( a ) ( 4 ) Prohibits reporting accounts older than 7 years from the date of first delinquency. - 1681e ( b ) Requires credit bureaus to maintain maximum possible accuracy. 2. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) - Debt collectors must cease collection and verify a debt when requested in writing. If no proper validation or proof of ownership is provided, they may not continue to report such debt. I am demanding that this account be : \n\n1. Removed or corrected on all credit bureaus where it is inaccurately listed.\n2. Properly validated if the furnisher or collector insists it is accurate. Validation must include a signed agreement, a full payment ledger, and chain of custody or assignment.\n3. Cease and desist from any further reporting if validation can not be provided under. FDCPA 15 U.S.C. 1692g ( b ).

FCRA 602 ( A ) Emphasizes need for accurate credit reporting.

FCRA 607 ( B ) Credit reporting agencies must follow reasonable procedures for accuracy.

FCRA 611 & 623 Dispute rights and duties of data furnishers I The right to request proof of a debt is protected under the Fair Debt Collection Practices Act ( FDCPA ) specifically 15 U.S. Code 1692g Pursuant to 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act, I am requesting full validation of the alleged debt. Until the requested proof is provided including the name of the original creditor, the amount claimed, and relevant supporting documentation you must cease all collection activity and reporting to credit bureaus. If no validation is provided, this tradeline must be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: NY

Complaint narrative:
I recently reviewed my credit report and noticed several inaccuracies on my account. This account is making it difficult for me to obtain credit. I understand that you will investigate this account to ensure its accuracy. I ask that you verify the account 's accuracy this is the account number XXXX from XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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: NY

Complaint narrative:
I recently reviewed my credit report and noticed several inaccuracies on my account. This account is making it difficult for me to obtain credit. I understand that you will investigate this account to ensure its accuracy. I ask that you verify the account 's accuracy this is the account number XXXX from XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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: EdFinancial Services
State: KY

Complaint narrative:
My personal and financial data was compromised without my authorization, violating FERPA. I request full cancellation of my student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nelnet, Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against Nelnet ( Department of Education Loan Servicer ), XXXX XXXX, and XXXX  for the continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education. 

Complaint Details : Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education. 

Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment. 

Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ). 

I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by Nelnet or any other related servicer. If this matter is not resolved promptly, I will not hesitate to escalate the issue through legal channels. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX, XXXX  XXXX Phone : ( XXXX ) XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
________________________________________ Subject : Dispute of Reinserted Items Without Proper Notice Under FCRA To Whom It May Concern, I am writing to formally dispute the unauthorized reinsertion of several accounts into my credit report. These items were previously removed following a successful dispute but have since been re-added without the required written notice, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i ( a ) ( 5 ) ( B ).

Per the FCRA, if any information is reinserted into a consumers file after removal due to a dispute, the consumer must be notified in writing within five business days of the reinsertion. I did not receive such notice, and as such, I believe these items were reinserted improperly. 
Attached is a list of the accounts in question. I respectfully request that you investigate this matter and provide documentation confirming that proper notice was sent. If you can not verify this in accordance with FCRA requirements, I request the immediate removal of these items from my credit file. 
Items to Be Reviewed and Removed : 1. XXXXXXXX XXXX o Status : Closed, {$460.00} written off o Date Opened : XX/XX/XXXX o Balance : {$0.00} 2. XXXX XXXX o Status : Open o Date Opened : XX/XX/XXXX o Balance : {$10000.00} 3. XXXX XXXX XXXX o Status : Closed, {$3000.00} written off o Date Opened : XX/XX/XXXX o Balance : {$0.00} 4. XXXX XXXX o Status : Paid, Closed o Date Opened : XX/XX/XXXX 5. XXXX XXXX o Status : Paid, Closed o Date Opened : XX/XX/XXXX 6. XXXX XXXX o Status : Charged Off, {$3800.00} written off o Date Opened : XX/XX/XXXX o Balance : {$0.00} Please provide a written response confirming receipt of this dispute and the outcome of your investigation, as required under FCRA guidelines. 
Thank you for your prompt attention to this matter.

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