vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
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Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
I had previously filed a dispute on charges for items not received with citi bank. It's clear that citi bank didn't do any investigation into the the charges or the delivery of items purchased. Home depot informed me to file a dispute with my card company for items not delivered. Over a month later after filing disputes home depot calls me saying they found my order. This is clearly irresponsible handling of dispute on citi banks behalf. This should not go unpunished for not doing a proper investigation into a billing dispute. Other company 's have been punished for the exact same thing and citi bank should not be any different. The included documents will show the actual date order was picked up on XX/XX/XXXX because the order was lost and not received. Order was placed on XXXX of XXXX and citi bank neglected to do a proper investigation into my dispute. Resulting in a automatic denial of my dispute stating " documentation doesn't support 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 explanation
Consumer complaint received 2025-04-27 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I filed a dispute on { MIDLAND CREDIT MANAGEMEN Account number XXXX due to { the reason you selected in your original dispute }. XXXX  denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( XXXX  ). 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting { house, car, etc }. XXXX violates my rights as a consumer, as well as federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX  ) : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Please investigate and provide Proof with statements showing that these payments were late. 

If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: OH

Complaint narrative:
Nelnet - XXXX XXXX XXXX XXXX XXXX my personal and financial information was compromised in XX/XX/year> by DOGE without my authorization.

the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
This account is over XXXX XXXX XXXX from the original date of delinquency and is obsolete under FCRA XXXX ( a ) ( XXXX ). 
Under the Fair Credit Reporting Act ( FCRA ), obsolete accounts must be removed. 
TransUnion. XXXX XXXX XXXX {$15000.00} refused to remove it.

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 2025-04-27 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists XXXX XXXX XXXX XXXX Acct # XXXX opened XXXX a balance of {$3100.00} XXXX XXXX XXXX Acct XXXX XXXX balance {$44000.00} opened XX/XX/year> and XXXX acct # XXXX opened XX/XX/scrub>XXXX XXXX balance {$4900.00} AND SEVERAL HARD INQUIRIES AS A RESULT OF THESE FRAUDULENT ACCOUNTS AND FRAUD BEING OPENED IN MY NAME AND APPEARING ON MY CREDIT REPORT. I DEMAND THAT THE ABOVE INFORMATION BE REMOVED FROM EACH OF MY CREDIT REPORTS AND ALL COLLECTIONS CEASE PURSUANT TO MY RIGHTS WITHIN THE FCRA AND FDCPA LAWS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists XXXX XXXX XXXX XXXX Acct # XXXX opened XXXX a balance of {$3100.00} XXXX XXXX XXXX Acct XXXX XXXX balance {$44000.00} opened XX/XX/year> and XXXX acct # XXXX opened XX/XX/scrub>XXXX XXXX balance {$4900.00} AND SEVERAL HARD INQUIRIES AS A RESULT OF THESE FRAUDULENT ACCOUNTS AND FRAUD BEING OPENED IN MY NAME AND APPEARING ON MY CREDIT REPORT. I DEMAND THAT THE ABOVE INFORMATION BE REMOVED FROM EACH OF MY CREDIT REPORTS AND ALL COLLECTIONS CEASE PURSUANT TO MY RIGHTS WITHIN THE FCRA AND FDCPA 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 non-monetary relief
Consumer complaint received 2025-04-28 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2025-04-27 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: TX

Complaint narrative:
There as been a situation of Identity theft and I have tried to resolve this in a very polite way by reporting to all parties involved but for some reasons some of this account were removed and some wasn't removed. According to 15 US code 1681b Permissible Purpose of consumer reports, I do not give any permission for this fake account to be reported on Consumer reported. 


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 2025-04-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: UT

Complaint narrative:
College got a lawsuit against them for student loans, I qualified to get mine forgiven but lawsuit passed but I still owe on my federal loan

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Avant Holding Company, Inc.
State: CA

Complaint narrative:
I applied for a new card with Avant/XXXX and was approved as of XXXX XXXX. Was informed the card would take XXXX business days to receive. Contacted can't on XXXX day as I had not received the card as. the represent informed they could not give tracking information and did not have the whereabouts of the card. I waited until the XXXX business day and once again the company, spoke with a rep named XXXX who could not confirm the whereabouts of the card and said no one had access to the tracking information. What he did confirm was the card was coming from the headquarters in XXXX via USPS but not sure where the card was or when it would get to me, nor provide any solutions to resolve the matter. After demanding the situation be escalated to his superior I was transferred to manager XXXX who could not confirm the whereabouts of the card, claimed to have no access to the tracking to confirm and provided no other solution but to wait until day XXXX then follow up to have another card sent out to me and if I didn't like that solution for file a complaint. I declined due to feeling my information was compromised as this company has full access to my consumer report, pertinent personal information and treated me as less than a customer let alone a new customer. The manageXXXX XXXX was dismissive, I felt my concerns were unheard, my consumer rights have been violated, as this company has taken my personal information but has not provided the product we agreed upon. I furthermore believe this company has taken my information to simply sell to third party companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-04-27 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: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2025-04-27 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: NY

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX AND XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX 

Account Name : XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : DEPTEDXXXX # XXXX - Date Opened XX/XX/XXXX Account Name : DEPTEDXXXXXXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened 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 2025-04-27 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: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-04-27 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:
Experian has not been truthful regarding their investigations. This has been an ongoing process with them since XXXX When I first requested an investigation regarding the errors they have placed on my credit report. They placed comments on my report stating that the information was accurate and has been resolved. On XXXX the XXXX of XXXX I had my credit report pulled again only to still see obvious errors from Experian on my report. I immediately mailed them a certified letter the following day XXXX XXXX stating that the information they are reporting is still inaccurate. They responded back on XXXX XXXX stating that the information was verified and update and left these new remarks on my Credit report stating Account previously in dispute now resolved, reported by grantor by data furnisher ( To be used for FCRA or FCBA disputes ) Which was not true at all.!! Yesterday on XXXX XXXX I had my credit report pulled again and Experian is still reporting inaccurate information on my credit report. My next step is to take legal action against Experian for completely ignoring my first two requests for an investigation and reinvestigation. After multiple attempts I will not be asking Experian to investigate for the third time, I want this account removed immediately from my credit report. Their false investigations has not fixed the errors on my report. The account is XXXX, the account number is XXXX. Also according to 15 USC 1631 ( 5 ) | see it states after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. The credit bureaus did not reinvestigate and violated my rights. Below is a copy of my ID as well as supporting documents. I will not give Experian another 30 days to resolve this issue seeing that its has been almost two years. They have had more then enough time to correct this issue.

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