vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 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 RECENTLY REVIEWED A COPY OF CREDIT REPORT AND NOTICED THAT I AM A VICTIM OF IDENTITY THEFT. I HAVE MULTPLE ACCOUNTS THAT WERE NOT OPENED BY ME NOR HAVE I HAD ANY KNOWLEDGE OF THESE ACCOUNTS .I AM CURRENTLY IN THE PROCESS OF TRYING TO PURCHASE A PROPERTY AND THESE NEGATIVE ITEMS NOT BELONGING TO ME ARE AFFECTING MY CHANCE FOR CREDIT AND ALSO IS HINDERING MY PROCESS. PLEASE REMOVE ACCOUNTS IMMEDIATELY. I AM REQUESTING THAT THE COMPANY DOES WHAT IS FAIR AND RIGHT AND DELETES THE ITEMS IDENTIFIED AS IDENTITY THEFT FROM MY REPORT 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 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 2025-03-17 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: MI

Complaint narrative:
I am filing a complaint against all credit bureaus Experian, TransUnion, and Equifax. They are failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, all three are responding within 24 hours stating the accounts are accurate, without providing any evidence of a thorough investigation. This practice violated the Fair Credit Reporting Act ( FRCA ), 15 USC 1681i, which mandates a reasonable investigation of disputes. Furthermore, all three bureaus ' actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 USC 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request for the CFPB to take action against XXXX, TransUnion, and XXXX to ensure they comply with federal law and provides consumers with the necessary proof of investigation. The accounts are as follows : XXXX XXXX XXXX ( Collections ) Fraudulent Account I did not live there, and this was taken out in my name. Account # XXXX Amounts reporting {$1600.00}, and {$1600.00}. 

XXXX XXXX ( No knowledge of this information or account as it is a fraud as well. Account XXXX XXXX  XXXX XXXX XXXX past due of {$19.00}. I have no credit cards that says this name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: MI

Complaint narrative:
I am filing a complaint against all credit bureaus Experian, TransUnion, and Equifax. They are failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, all three are responding within 24 hours stating the accounts are accurate, without providing any evidence of a thorough investigation. This practice violated the Fair Credit Reporting Act ( FRCA ), 15 USC 1681i, which mandates a reasonable investigation of disputes. Furthermore, all three bureaus ' actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 USC 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request for the CFPB to take action against XXXX, TransUnion, and XXXX to ensure they comply with federal law and provides consumers with the necessary proof of investigation. The accounts are as follows : XXXX XXXX XXXX ( Collections ) Fraudulent Account I did not live there, and this was taken out in my name. Account # XXXX Amounts reporting {$1600.00}, and {$1600.00}. 

XXXX XXXX ( No knowledge of this information or account as it is a fraud as well. Account XXXX XXXX  XXXX XXXX XXXX past due of {$19.00}. I have no credit cards that says this name.

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 2025-03-17 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: NY

Complaint narrative:
Formal Dispute and Request for Full Discharge of Federal Student Loans Dear Nelnet, Nelnet Attn : Claims XXXX XXXX XXXX XXXX, NE XXXX I am writing to formally dispute my federal student loans and request a full discharge due to a serious breach of personal and financial information. My information was compromised without my authorization, which violates multiple federal laws designed to protect student records and personal privacy. 
Under these circumstances, I request the immediate cancellation and discharge of my student loan debt in full, as my rights have been severely violated. 
Key Reasons for My Request : 1. Unauthorized Disclosure of Personal Information : My personal and financial information was accessed and used without my consent, which constitutes a serious violation of my privacy rights. This breach undermines my trust in the security and confidentiality of student loan records, which are protected under laws such as the Family Educational Rights and Privacy Act ( FERPA ) regulations ( 20 U.S.C & 1232G ; 34CFR Part99 ). 
2. Violation of Federal Privacy Protections : The unauthorized sharing or use of my sensitive information is a direct violation of federal regulations designed to protect borrowers, including the Gramm-Leach-Bliley Act and the Fair Credit Reporting Act ( FCRA ). These laws establish strict guidelines to safeguard personal data, and any failure to comply constitutes a breach of my legal rights. 
3. Severe Impact on Financial Stability : The compromise of my financial information has caused significant distress, both financially and emotionally. As a result of this breach, I have been unable to secure certain personal financial services and have faced undue hardship due to the misuse of my data. 
4. Risk to My Financial and Legal Security : With my information compromised, there remains an ongoing risk that my financial standing may be negatively impacted or further misused by malicious actors. This jeopardizes my ability to manage or service my student loans responsibly. 
Given these serious breaches and violations, I request the immediate cancellation of my student loan debt, in accordance with all applicable federal laws protecting student privacy and financial security. I expect a formal response within 30 days outlining the steps Nelnet will take to address this matter and ensure the full discharge of my loans. 
Please do not hesitate to contact me if you require additional documentation or information to process this request. 
Sincerely, Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV FINXACT CORE
State: NY

Complaint narrative:
I have submitted a dispute 2 months ago and this company has denied my dispute they are telling me that someone named XXXX XXXX cashed 3 checks in his account totally XXXX. I have disputed this multiple times and its still the same result. They keep denying me for this claim. They wont release the remaining XXXX  balance on my account either. I have submitted the required documentation I have submitted a police report and the require paystub information that they asked for and my account is still on hold without the remaining balance on my 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 explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
This is my second time trying to get this company to remove this account off my credit report Ive never lived at the XXXX XXXX XXXX  Dispute of Incorrect Account Reporting Dear Sir/Madam , I am writing to dispute an account that is incorrectly being reported on my credit report. The account listed below does not belong to me, and I request that it be removed from my credit file : Account Number : XXXX Creditor Name : RentDebt Automated Collect Account Type : Collection Account I believe this is a case of mistaken identity, as I have no knowledge of this account, and it is not associated with any of my personal information. After reviewing my credit report, I have confirmed that I did not open, authorize, or take responsibility for this account. 

I kindly request that you investigate this matter and remove the account from my credit report if you find that it was reported in error. 

Please confirm the results of your investigation and notify me once the account has been removed or corrected. If you require any additional information or documentation, please do not hesitate to contact me. 

Thank you for your prompt attention to this matter. I look forward to your resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> I need your help in a serious matter regarding my credit report. After reviewing my credit, I noticed that your agency is reporting inaccurate information that is damaging my credit file. 
Please review the following factual data : Account Name : Nelnet Account # XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are reporting delinquent activity. However, the Family Education Rights and Privacy Act strictly prohibits unauthorized access, modification, or deletion of student records without the explicit consent of the student or borrower only. XXXX XXXX and XXXX  have accessed my private data which, according to the court of law, is a breach of privacy. Your failure to properly address my dispute constitutes a blatant violation of federal law which carries significant legal consequences. I am formally escalating my demands and expect the following actions within 15 days : A comprehensive investigation and a full documented investigation into the unauthorized access and deletion of my student loan records and a written summary detailing your findings due to breach of privacy and inaccurate reporting. 
After completing my request, send me a copy of my updated credit file reflecting this update. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: AZ

Complaint narrative:
This letter serves as my final and definitive communication to your noncompliant organization before I initiate legal proceedings against all responsible parties. Let me remind you that threatening legal action without intent to follow through constitutes a serious offense. Rest assured, I fully intend to protect my rights as a consumer and will proceed accordingly if this matter is not resolved promptly. 
I have repeatedly contacted your company, submitting numerous formal requests for an investigation into a series of inquiries that I firmly believe have been reported erroneously. Your continued failure to respond or take action constitutes a blatant violation of the Fair Credit Reporting Act ( FCRA ). This negligence is unacceptable and will not be tolerated. 
However, in the interest of resolving this matter without escalating to litigation, I am providing one final opportunity to address my concerns. I have made several attempts to directly contact the companies responsible for these inquiries using the contact information listed on my credit report. However, my efforts have been met with the following obstacles : A significant number of the listed phone numbers are incorrect or invalid. 
For the companies I was able to reach, none have any record of my existence within their systems. 
If these entities lack records of me, it raises a critical question : What permissible business purpose could they possibly have to access my credit file? 


XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XXXX XX/XX/year> 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 2025-03-17 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: TX

Complaint narrative:
I Noticed unauthorized inquires on my credit report that need to be removed. According to the FCRA, these unverified and unauthorized items attached below must be removed.

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 2025-03-17 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: PA

Complaint narrative:
I have a late payment entry on my credit report for the XXXX XXXX  loan accounts [ XXXX ]. The entry in question reflects a XXXX late payment for the month of [ XXXX ]. I believe this to be an error, as my previous month 's payment ( for [ Previous XXXX ] ) was reported as " current, '' .As of XX/XX/year>, I was fully up to date on my payments. It is unclear to me how the 90-day late status has been assigned to my account without the appropriate 30 or 60-day late statuses reflecting the same delay. A 90-day late payment is a significant issue and does not accurately reflect my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: PA

Complaint narrative:
I have a late payment entry on my credit report for the XXXX XXXX  loan accounts [ XXXX ]. The entry in question reflects a XXXX late payment for the month of [ XXXX ]. I believe this to be an error, as my previous month 's payment ( for [ Previous XXXX ] ) was reported as " current, '' .As of XX/XX/year>, I was fully up to date on my payments. It is unclear to me how the 90-day late status has been assigned to my account without the appropriate 30 or 60-day late statuses reflecting the same delay. A 90-day late payment is a significant issue and does not accurately reflect my payment history.

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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: FL

Complaint narrative:
I am filing this formal complaint against Castle Credit, XXXX, XXXX, and XXXX for their continued violations of the Fair Credit Reporting Act ( FCRA ) by inaccurately reporting information on my credit report, despite multiple dispute attempts. 
Castle Credit has been reporting late payments for several years ip until XX/XX/XXXX, even though the account in question was closed in XX/XX/XXXX and charged off as a profit and loss write-off. According to FCRA regulations, once an account is charged off and closed, a creditor is prohibited from continuing to report late payments beyond that point. The continued reporting of inaccurate late payments is unlawful and has severely impacted my credit score, preventing me from refinancing my home. 
FCRA Violations Committed by Castle Credit and Credit Bureaus Castle Credits reporting practices, as well as the credit bureaus failure to correct these inaccuracies, violate multiple sections of the Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) Prohibits furnishers from reporting information they know or should know is inaccurate.

15 U.S. Code 1681s-2 ( a ) ( 2 ) ( B ) Requires furnishers to correct and update information to maintain accuracy.

15 U.S. Code 1681i ( a ) ( 5 ) ( A ) Mandates the deletion of disputed information that can not be verified or is inaccurate. 
Despite submitting disputes to XXXX, XXXX, and XXXX, they have refused to remove the account on the grounds that it was " verified. '' However, the issue is not the accounts validity but the continued misreporting of late payments years after the account was closed and charged off. This constitutes a direct violation of federal law and is causing financial harm by unjustly lowering my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WSFS FINANCIAL CORPORATION
State: DE

Complaint narrative:
Having financial problems at the moment miss about two payments but because my credit card was issued by the same bank as my debit card the bank locked my account and I cant pay my mortgage buy gas food support my family they are holding my money and me hostage the money I owe to the credit card company is way way less than the money I have in my account my car insurance is about to be lapsed my electricity is about to be due in couple of weeks my water bill is due and I cant get into my account to do all these things

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 2025-03-17 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: GA

Complaint narrative:
I have tried dispute unrecognizable inquires and accounts on my credit report for years. None of my disputes have been reviewed or removed. There are address on my credit i don't recognize, these guys dont respond or update information which effects someone being able to get approved for home, cars or basin credit cards. These guys negligence is ruining people lives.

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 2025-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX, XXXX Washington, DC XXXX Wells Fargo Bank , N.A . 

XXXX XXXX XXXX XXXX, MN XXXX RE : Acct # XXXX CFPB Complaint ID : XXXX To Whom It May Concern : This letter is in response to your recent claim regarding the above-mentioned account, which you claim revolving account type closed condition here such as I owe {$5400.00} or my account was charged off {$5900.00}. 



I requested that you provide me with a copy of any viable evidence showing the account is being reported accurately. 



I am now requesting the method of verification procedure you used to determine the accuracy and completeness of the information you are furnishing on my credit report. 



As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 



I am again formally requesting a copy of any documents, showing that I have a legally binding contractual obligation to pay you the alleged amount. I am also requesting the record that reflects the process by which my signature was generated/executed. 



Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete and represents a very serious error in your reporting. 



I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful noncompliance. 



My contact information is as follows : XXXX XXXX XXXX XXXX XXXX, XXXX Washington, DC XXXX Last 4 of SSN : XXXX P.S. If needed, I will also provide a copy of this letter to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC 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