vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Nelnet, Inc.
State: UT

Complaint narrative:
NELNET- I am absolutely devastated as NELNET has completely ruined my credit that I have been working so hard for-for XXXX years. I have a baby due in 3 months and am currently in the process of purchasing a new car to be able to fit my two children as well as purchase our first family home. Because of this, neither of those things are going to happen and my families lives have been completely changed. My credit score went down XXXX points after my account was reported as 90 days past due. I have not received ONE email, letter, call, voicemail, text, etc. letting me know that my account was past due. As far as I knew, my payments were still deferred. They did not even have my information in their system as accurate. I take full ownership and know that it is my responsibility to check on my accounts and make payments, but the punishment for this one mistake is extremely harsh and devastating. I have had near perfect credit, and do not have even one missed or late payment on my credit report. I have made things right and have brought my account up to date and made any past due/currently due payments but they are still not willing to work with me or write a goodwill letter to take the late payment off of my credit. Even though I thought my payments were deferred, I still made payments last year because I had a little extra money and wanted to get ahead of my loans. Here I was thinking I was going over the top, all while my credit would be destroyed in just a few months. Also, my balance is only {$2000.00} so this much impact for such a small amount is absolutely mind blowing. This company is predatory and ruining THOUSANDS of Americans lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I authorized a charge for XXXX $ on my account, to donate to a youth football program allegedly. This They charged me XXXX $ and upon calling the store outside of where the fraudsters were set up the employees of that store told me that the fraudsters had run this exact scam on someone else. I immediately reported this to my bank and they have denied my fraud claim.

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 monetary relief
Consumer complaint received 2025-05-15 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: CT

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Dear To Whom this may concern, I recently pulled up XXXX  and XXXX  credit report and your company is attempting to collect a debt. 

I am writing this letter to you that I agree to pay any financial obligation which I might lawfully owe, ON THE CONDITION that you provide : 1. Validation of the debt that is the actual accounting. 2. Verification of their claim against I : that is, a signed Invoice. 3. A copy of the contract binding between me and you in a letter by certified mail. 4. Full disclosure because I was not told I was creating the credit with my wet ink signature. 5. Equal consideration because you as the creditor brought nothing of value to the table. 6. Lawful Terms and Conditions. 7. Wet ink signatures between you the creditor and I the consumer. Under 15 USC 1681q states the following : Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. You MUST DELETE this collection : Account Number : XXXX Account Balance : {$690.00} Please start an investigation and prove that this actually belongs to me. - You are bound by the FCRA laws to respond to my requests in a 30 day time period - I would recommend a response with written method of verification and documentation. 

Account Name : LVNV FUNDING LLC Delete this collection from my consumer reporting profile in the next 10 days. Reporting information you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. You need to positively verify these accounts to ensure my ability to obtain credit. Under the Fair Credit Report Act, unverifiable accounts must be DELETED in 30 days. Thank you for your attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Possible Financial Inc
State: OH

Complaint narrative:
harged Off, {$140.00} Past DueReporting Issues : Prolonged collection with no payments since XX/XX/year>2022, inconsistent update patterns, unverifiable balance

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Account was charged off many months ago. I did not receive any IRS copy of Form 1099-C ( Cancellation of Debt ) or any information from creditors. Account is currently showing as past due and balances owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: OK

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: OK

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: MA

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance : {$380.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX : {$80.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} Open Date XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : {$4600.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} Open Date XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$650.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX : {$560.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance : {$500.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$290.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} Open Date XX/XX/XXXX Inquiries : THE XXXXXXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX Date XXXX XXXX, XXXXXXXX XXXX Date XX/XX/XXXXXXXX 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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I do not owe anybody anything. No one processed this illegal debt with the court according to law. I have stated this in several disputes but experian is also conducting criminal activity against my daughter and myself with this illegal debt. There are no lawyers nor judges that will take this case because they are illegal too. They do not have law degrees as my United States Supreme Court case can prove. 
XXXX questions on the corruption of XXXX XXXX and Arizona went to the United States Supreme Court case number XXXX but was denied. I have over XXXX questions going back. No one in my case had a XXXX XXXX. XXXX XXXX doesn't have a XXXX XXXX. Check XXXX XXXX XXXX. 
Experian can not legally put this on my credit with a negative impact because it doesn't exsist in a court of law. Where is the legal paperwork from a judge stating I owe this money from a judgemental? I was not sued, I owe no money. A landlord legally can't just write up a debt from an apartment and state the renters owes money without out a court taking judgement against the renters. No one has taken either of us to court. Please prove a judge put judgements against my daughter or myself. I'm also getting negative outcomes XXXX years after experian already took action with my score. Ie ; I was just given a negative XXXX points for no reason. The other credit agencies did not do this, as far as I know. My credit is impeccable except for this illegal action 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 explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Card is " Widely accepted Accepted virtually everywhere American Express Cards are accepted in the U.S ''. It is not usable on any purchases I've made and the claim that the card can be added to digital wallets like XXXX XXXX are false, with the card immediately declining.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-15 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: MN

Complaint narrative:
I am filing this complaint because my federal student loan servicer, XXXX, has reported 90-day late payments on my credit report that are both misleading and unjustified, and I am requesting that they be removed. 

For multiple months, my account appeared as Current on my credit reports, and I was never notified that payments were due. I did not receive any billing statements, mailed notices, or alerts indicating the account was delinquent. I believed the loan was in forbearance or otherwise not requiring payment at the time. 

I only became aware of the issue after reviewing my credit report, which suddenly showed a 90 Days Past Due with no prior reporting of 30-day or 60-day delinquencies. This kind of reporting is both inaccurate and inconsistent with standard credit reporting guidelines, which require a progression of late payment history. 

After registering with XXXX, I saw that their system claims bills were mailed monthly, yet I never received a single statement or notice. My contact information was correct, and I regularly monitor my mail and credit but still had no idea this account was being marked delinquent. 

I contacted XXXX to dispute the late payment and explain that I had never been properly notified, but they refused to remove it, stating only that they were reporting accurately. However, I strongly disagree with this assessment, as I had no reasonable way to know that I was behind on payments. I acted in good faith and would have resolved the issue immediately if I had been aware of it. 

I have attached credit report screenshots from both Equifax and XXXX, which clearly show : No 30- or 60-day late payments reported, A sudden 90 Days Late status No indication that the account was becoming past due before that point. 

This inaccurate reporting has severely impacted my credit and is threatening my ability to qualify for a mortgage and secure stable housing for my family. I am requesting that the CFPB review this case and compel the servicer to remove the late payments due to : Lack of proper notice, Misleading and inaccurate reporting, Inconsistent payment history presentation, Significant and unfair financial harm. 

I have not yet disputed this directly with the credit bureaus because the reporting is clearly inaccurate and unsupported. I am seeking expedited resolution through the CFPB due to the urgent impact on my credit and mortgage eligibility.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: MN

Complaint narrative:
I am filing this complaint because my federal student loan servicer, XXXX, has reported XXXX late payments on my credit report that are both misleading and unjustified, and I am requesting that they be removed. 

For multiple months, my account appeared as Current on my credit reports, and I was never notified that payments were due. I did not receive any billing statements, mailed notices, or alerts indicating the account was delinquent. I believed the loan was in forbearance or otherwise not requiring payment at the time.

I only became aware of the issue after reviewing my credit report, which suddenly showed a 90 Days Past Due with no prior reporting of 30-day or 60-day delinquencies. This kind of reporting is both inaccurate and inconsistent with standard credit reporting guidelines, which require a progression of late payment history. 

After registering with XXXX, I saw that their system claims bills were mailed monthly, yet I never received a single statement or notice. My contact information was correct, and I regularly monitor my mail and credit but still had no idea this account was being marked delinquent. 

I contacted XXXX to dispute the late payment and explain that I had never been properly notified, but they refused to remove it, stating only that they were reporting accurately. However, I strongly disagree with this assessment, as I had no reasonable way to know that I was behind on payments. I acted in good faith and would have resolved the issue immediately if I had been aware of it. 

I have attached credit report screenshots from both Equifax and Experian, which clearly show : No XXXX or XXXX late payments reported, A sudden 90 Days Late status No indication that the account was becoming past due before that point. 

This inaccurate reporting has severely impacted my credit and is threatening my ability to qualify for a mortgage and secure stable housing for my family. I am requesting that the CFPB review this case and compel the servicer to remove the late payments due to : Lack of proper notice, Misleading and inaccurate reporting, Inconsistent payment history presentation, Significant and unfair financial harm. 

I have not yet disputed this directly with the credit bureaus because the reporting is clearly inaccurate and unsupported. I am seeking expedited resolution through the CFPB due to the urgent impact on my credit and mortgage eligibility.

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