vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

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 2025-03-09 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: MD

Complaint narrative:
Subject : Complaint Against Nelnet for Failure to Address Dispute and Damage to Credit Report Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Nelnet for failing to properly address my dispute regarding late payments on my credit report and for the resulting damage to my credit score.

On two occasions, I sent dispute letters to Nelnet regarding the reporting of late payments for XXXX and XXXX of XXXX. However, they have failed to respond to my dispute letters, despite my reasonable attempts to resolve this issue. As a result, Nelnet inaccurately reported my account as 90 days late for these two months, which has caused a significant and unjustified reduction in my credit score. 

In contrast, Nelnet reported my payments as current for XXXX and XXXX of XXXX, which is consistent with my payment history. However, the incorrect XXXX late reporting for XXXX and XXXX of XXXX has caused my credit score to drop by XXXX points. 

The lack of response from Nelnet to my disputes, as well as their failure to correct the errors on my credit report, has caused undue harm to my financial situation and creditworthiness. I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that Nelnet corrects the inaccuracies on my credit report and addresses the damage caused to my credit score. 

Thank you for your time and attention to this matter. I look forward to your assistance in resolving this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute certain negative items that appear on my credit report as provided by your agency. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is inaccurate or incomplete. Under law 15USC 1681i ( a ) 1 15USC 1681 ( a ) 6 ( B ) 3 15USC 1681i ( a ) ( 5 ) B Upon reviewing my credit report, I have identified the following inaccurate negative entries 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 Please investigate these items and remove them if they can not be verified as accurate as required by FCRA. Furthermore, recent legal actions involving XXXX raise significant concerns about the reporting practices that impact consumers ' credit scores.

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 2025-03-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Pawn loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
I got a loan to pay off a loan and I happened to change jobs in the middle of the process. That kind of put me behind with making payments on time. After all that it when on my credit. So I gave up and just let things be.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Medical collection from ambulance transportation by XXXXXXXX XXXX  has not been removed by Experian credit bureau after multiple requests and has caused denial of credit. XXXX XXXX WASHINGTON, D.C. the Consumer Financial Protection Bureau ( CFPB ) finalized a rule that will remove an estimated {$49.00} XXXX in medical bills from the credit reports of about XXXX XXXX Americans. The CFPB 's action will ban the inclusion of medical bills on credit reports used by lenders and prohibit lenders from using medical information in their lending decisions.

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 2025-03-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
These companies have taken a tax break on an account and never sent me a 1099C but have reported on my report write-off profit loss. I'm trying to see how they are able to keep negatively impacting me when they already wrote the charge off to the IRS but are still reporting I owe this even though they took a tax break. Multiple companies have done this to me and charged off for almost 2 years but still have not updated the reporting correctly and as a single mom, this is really affecting me when it should not. 

XX/XX/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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Servicer under contract with Federal Student Aid
State: IL

Complaint narrative:
My student loans were breached by XXXX XXXX. I did not give permission for him to go through my student loans. Please remove my students loan.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-09 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: AR

Complaint narrative:
Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of dispute information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided. causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts. As Experian 's inaction violates federal law and my rights as a consumer.

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 2025-03-09 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: TN

Complaint narrative:
I pay my balance every month and it shows after I make my payment on there website but it take XXXX XXXXXXXX days to post your payment or they say something is wrong with the website and by the time the payment post its shows that your using incorrect credit usage and it dropped my score over XXXX points and when you call XXXX XXXX about the issue I was told to contact the credit bureau and the credit bureau says contract XXXX  XXXX and it's confusing

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 2025-03-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have made several attempts to inform the company that the account they are continuously reporting has been opened fraudulently submitted documents and information verifying that the account has been opened fraudulently made several attempts to dispute the accuracy of the information which they claim has been verified by a company that I have myself disputed which is capital one that they allowed someone to fraudulently open a account without proof of my identity and allowed them to open a account with a limit of {$100.00} and allowing the account to be charged {$1000.00} and seen the fraudulent activity and closed the account in less than 30 days of opening this fraudulent account

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 2025-03-09 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: MO

Complaint narrative:
15 U.S. Code 1681Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting 15 U.S. Code 1681o Civil liability for negligent noncompliance ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of

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 2025-03-09 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
all three credit reporting bureaus are deliberately retaliating all scores are be low XXXX on all three credit reports for no reason at all i have one account with XXXX XXXX bank paid all on time this discriminating purposely dropping my score from XXXX to XXXX with no derogatory att all and they remove wells fargo for no reason at all over XXXX years of good credit payments first thay doble report the accounts XXXX when XXXX is XXXX i have proof

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 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
all three credit reporting bureaus are deliberately retaliating all scores are be low XXXX on all three credit reports for no reason at all i have one account with XXXX XXXX bank paid all on time this discriminating purposely dropping my score from XXXX to XXXX with no derogatory att all and they remove wells fargo for no reason at all over 12 years of good credit payments first thay doble report the accounts XXXX when XXXX is XXXX i have proof

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
XX/XX/year> Bank of America did not stop or cancel XXXX payment after being scammed. Please see attachments

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 2025-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My bank went bankrupt and was taken over by another bank, all the automatic payments were supposed to continue. My credit card with Bank of America was on automatic payments. I check online & made sure B of A had my new bank and confirmed it through B of A s process. They had the correct account information but for reason B of A turned off my automatic payment setting without notice. The monthly payment wasnt made. I received no notice that the payment was not made. I noticed that payments were not being automatically withdrawn myself after the 2nd payment was not withdrawn from my bank account. B of A had already reported my account as delinquent to the credit bureau before even notifying me of an issue. They did not call or email. I dont get paper statements so I didnt have notice that anything was wrong. I have a customer for 22 years for credit cards and mortgages and never had a late payment. I called and asked that they rectify the situation with the credit bureaus. And refused any help nor did they take any responsibility for turning off the automatic payment setting without advising me of same.

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 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hard Inquiries not recognized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-03-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAINE & WEINER COMPANY, INC.
State: HI

Complaint narrative:
I requested a Debt Validation and never received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
My Capital One account was suddenly locked at the end of XXXX  and I have been unable to access my funds since then. 

I was not given any prior notice, and Capital One did not provide any explanation or solution. 

I attempted to contact customer service, but I was unable to reach anyone. 

I request an immediate refund of my remaining balance and the closure of my account. 
This situation has caused me financial distress, and I demand a resolution as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ingenuity RM, LLC
State: ND

Complaint narrative:
This credit reporting company refuses to work with me with payment plan after my financial position has changed finally after many decades I have offered to pay atleast {$500.00} a month in a XXXX medical debt balance so i can still pay my regular bills and other debt that i have been paying only company I have problems is this one I have paid multiple collection agencies recently only this one is different t, they do not want to work with me instead suing me almost every time I have gotten sued 3 times I always communicate with them I had a payment plan with they for Mondays my check was late on morning they ran my card and got declined on a Monday I called like 4 hours later made a payment still that same day and they took at as missed payment and sued me I have talked to the main person in charge at ingenuity collections ( XXXX ) even have a recorded phone call with him telling him my situation has changed and really to get aggressive he dont care, XXXX dont care if i can pay my bills now he just wants to sue me and destroy my credit according to him hes always had attitude uses my past financial situations to think its still the same and they including my medical debt in my credit report if I dont pay the {$16000.00} they dont care if I didnt make money before even though right now my financial situation has improved after obtaining a degree 2 years ago I can do it now paying debt with out affecting my personal bills with family they dont care they just see me not making payment years ago I can pay now plus this debt is very old and somehow they make it seem like its under XXXX XXXX XXXX its like XXXX XXXX XXXX. They said they going to ruin my credit report unless I pay I have kept communication with them but this dont matter, I saw a new collection on my credit report and it says medical so they still doing it they suing me and putting it on my credit report they dont care they want to destroy my life. I thought new rule enacted by CFPB on XXXX XXXX prevent this regardless of medical debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Opened a spark business capital one credit card was told that it would go under my business but was put under my personal Opened a XXXX XXXX account and was told it would go under my businesses but was put under my personal My personal credit history is affected due to my business transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please. 
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

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