vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-03 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: VA

Complaint narrative:
I subscribed to XXXXXXXX XXXX XXXX service on XX/XX/XXXX, at $ XXXX. After a few months, I canceled my subscription and received an email from XXXX stating that I could return the XXXX without being charged further. 

However, when I contacted XXXX to arrange the return, they told me the account had already been sent to collections. They also remotely locked the scooter, making it unusable but continued to charge me the monthly subscription fee even though I couldnt access or return the XXXX 

As of today ( XX/XX/XXXX ), I am still receiving automated emails from XXXX stating that I can return the XXXX and that they are willing to forgive the missing payments if I return it immediately. 

Im now being asked to pay over {$1100.00} for a XXXX  I can not use, return, or cancel, despite my repeated efforts. I am asking for help to : My account name : XXXX XXXX Email : XXXX Tel : 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 2025-04-04 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: AZ

Complaint narrative:
XXXX XXXX closed down and I was told that the loan would be forgiven but it never was. Also I was told that my loans would be removed for University of XXXX and XXXX University but all 3 of these loans are still listed on my credit and all have been escalated to on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing for the second time regarding multiple inaccurate, incomplete, and unverified items on my credit report that remain unresolved despite my previous dispute. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, you are legally required to investigate and correct any disputed information that can not be verified within 30 days. Your failure to provide verifiable evidence of these accounts is a violation of federal law.

Furthermore, Metro 2 reporting guidelines, established by the Consumer Data Industry Association ( CDIA ), mandate that credit bureaus must ensure all reported data is accurate, complete, and timely. The following accounts remain unverified, and I demand immediate correction or deletion from my credit file : Late Payments : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Dispute Instructions : Verification : If you continue to report these items, provide me with full documentation from the original creditors verifying the accuracy and completeness of these accounts, per FCRA 611 ( a ) ( 1 ) ( A ).

Deletion : If verification is not possible, you must remove these items immediately, as failure to do so constitutes willful noncompliance under FCRA 616 and 617.

Inquiries : Hard inquiries not authorized by me should be removed, per FCRA 604 ( a ) ( 2 ) and ( 3 ).

Metro 2 Compliance : Ensure that all reported accounts follow proper Metro 2 format guidelines, as required by the CDIA.

Failure to act within 30 days will leave me with no choice but to escalate this matter with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and possibly pursue legal remedies.

I expect a prompt resolution and a written response with the outcome of this dispute. Please send the updated credit report to my address listed above. 

Sincerely, 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 2025-04-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: LA

Complaint narrative:
I submitted a formal request to Jefferson Capitol Systems LLC on XX/XX/year> requesting validation of a debt they claim I owe. Specifically, I asked for proof that the debt is mine, a breakdown of the amount owed, and documentation showing their legal authority to collect the debt, as required under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ).

Despite my request, Jefferson Capitol Systems LLC has failed to provide proper validation within the required timeframe. They have also continued collection efforts and/or reported this unverified debt to the credit bureaus, which violates my rights under the Fair Credit Reporting Act ( FCRA ) and FDCPA. 

I am requesting that the CFPB take action to ensure that Jefferson Capitol Systems LLC either validates the debt properly or ceases collection efforts and removes any reporting of the debt from my credit file. 




XXXX XXXX XXXX XXXX XXXX XXXX, LA, XXXX XXXX XX/XX/year> Jefferson Capitol Systems LLC XXXX XXXX XXXX XXXX, XXXX, MN XXXX Subject : Request for Debt Validation Dear Jefferson Capitol Systems LLC, I am writing in response to your phone call dated XX/XX/year>, in which you claim that I owe a debt. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting written validation of the debt, including the following information : 1. The name and address of the original creditor.

2. The amount of the debt, including any interest, fees, or other charges.

3. A copy of any signed agreement or contract proving my obligation to the debt. 


4. Proof that you have the legal authority to collect this debt, including any assignment or transfer of ownership.

5. The date of the last payment made on this account. 



Until this information is provided, I request that you cease any collection activities, including reporting this debt to credit bureaus, as unverified debts must not be reported under the Fair Credit Reporting Act ( FCRA ). 

If this debt is validated, I request all further communication be in writing. If you are unable to validate the debt, I request that you remove any reference to it from my credit report and cease further collection efforts. 

Please consider this letter a formal dispute of the debt. I expect your response within the legally required 30-day period. 

Sincerely, XXXX XXXX

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

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

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

Complaint narrative:
I have discovered unauthorized accounts and inquires on my credit report, prompting me to file a complaint with the federal trade commission ( ftc ) my grievance is directed towards Experian, Trans union and Equifax for infringing upon my consumer rights by including these accounts in my report. I strongly believe that this situation exploits me, and I seek resolution XXXXXXXX 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 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 2025-04-03 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: TN

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-04-04 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: MI

Complaint narrative:
I, XXXX XXXX XXXX am a victim of identity theft, request removal and deletion of the listed fraudulent accounts on my Transunion and credit report : XXXX XXXX XXXX Account number:XXXX Open date : XX/XX/XXXX, XXXX XXXX XXXX XXXX ACCOUNT NUMBER:XXXX Open date : XX/XX/XXXX. XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX TX XXXX, ( XXXX ) XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX 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 2025-04-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I disputed the report from XXXX XXXX XXXX XXXX  on Experian and XXXX. I was in bankruptcy and the court had me to surrender the debt. 

I attached the form from the bankruptcy filing to the dispute and they creditor refused to remove the delinquent reports This is the dispute to XXXX XXXX XXXXXXXX XXXX This account was included in my bankruptcy case and the property was surrendered. The account was discharged, but it is still reporting monthly late payments after that date. This is inaccurate and violates the Fair Credit Reporting Act. Please update the account to show a {$0.00} balance and remove all late payments reported after the bankruptcy filing. I have attached my discharge notice and bankruptcy schedule showing the account was included.

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 2025-04-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I disputed the report from XXXX XXXX XXXX XXXX  on XXXX  and Transunion. I was in bankruptcy and the court had me to surrender the debt. 

I attached the form from the bankruptcy filing to the dispute and they creditor refused to remove the delinquent reports This is the dispute to XXXX XXXX XXXX XXXX  This account was included in my bankruptcy case and the property was surrendered. The account was discharged, but it is still reporting monthly late payments after that date. This is inaccurate and violates the Fair Credit Reporting Act. Please update the account to show a {$0.00} balance and remove all late payments reported after the bankruptcy filing. I have attached my discharge notice and bankruptcy schedule showing the account was included.

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 2025-04-03 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: MI

Complaint narrative:
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 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 XXXXXX/XX/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 2025-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
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 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 XXXXXX/XX/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 2025-04-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Aqua Finance, Inc.
State: TX

Complaint narrative:
I took the loan to pay for siding on my house. The siding company found them to finance the loan. I was going to back out but was told by the siding company that since I had already said yes that I would have to pay for the materials for the siding project. I had not even signed for a loan. I was then told that the loan would be one yearinterest free and after that I was told that Aqua would not do that. But the siding company gave me a check to pay for one year of payments. I was not given loan documents and they were not reviewed before the signing. I was forced to do the loan because if I didn't I would just have siding sitting here and have to pay for it anyways. I had paid extra amounts on my payments but it was all going to interest.. I asked to make payments on principal only and was told to make a payment after the monthly payment was made and it would all go to principal. I did that on the next payment in XXXX. I paid the {$640.00} monthly payment and 4 days later called and made a payment of {$280.00} to go to principal only. I was told that it would be applied to principal only and I got my statement and the only amount applied to principal was {$120.00}. I called and was told that it was due to interest accrual for the 4 days or that maybe my {$640.00} did not pay all the interest for the month. So in the month of XXXX I paid {$930.00} and the only amount that applied to principal was {$120.00}. When I called I was told the interest was {$19.00} perdiem. so they are charging me {$19.00} per day for interest but even those calculations don't add up. Between the siding company and Aqua finance I don't feel I was given a chance to breath and was given no choice on not taking the loan if I had to pay for the siding anyways. The siding company ordered before they had the loan papers signed. The loan company is Proper Remodeling.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
This has taken over 30 day 's to investigate. But the credit reporting agencies have no problem reporting this as I owe XXXX and I am late on payments.

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 2025-04-03 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: Collection Management Holdings, LLC
State: GA

Complaint narrative:
I submitted a debt validation request to Credit Management Company regarding a {$1400.00} collection account for XXXX XXXX XXXX XXXX. I never received verification. The account was then removed from my XXXX credit report. However, it was recently reinserted with a new reporting date of XX/XX/year>, without providing any written notice or new information. 
This is a violation of FCRA Section 611 ( a ) ( 5 ) ( B ), which requires notice within 5 business days if a previously deleted account is reinserted. I am requesting the permanent removal of this account and for this matter to be investigated immediately. I have attached my fax confirmation showing the validation request was submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: NC

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-04 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: TX

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: SC

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