vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-18 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: OH

Complaint narrative:
I am filing a complaint under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2 and 1681i. A collection account on my credit report is inaccurate, and after I disputed it, the reporting party failed to properly investigate or correct the error. This is affecting my creditworthiness and violates my rights under federal law. '' 15 U.S.C. 1681i If you dispute an account, the credit reporting agency must investigate within 30 days and correct or delete inaccurate info.

15 U.S.C. 1681s-2 ( a ) Debt collectors must report accurate information. If a collector reports false or outdated info ( e.g., a paid collection still showing as unpaid ), it may violate this section.

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 2025-04-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: OR

Complaint narrative:
I started The XXXX  plan on XX/XX/XXXX ( or earlier ). 

My payments are going entirely to interests, instead of the loan principal. Meanwhile, my balance is still going up overtime despite the payments I am making, because interests is still accruing. I am in SAVE forbearance. 

When I notified Nelnet I got this reply : Your account was placed in a XXXX forbearance. During this forbearance, which started on XX/XX/XXXX, interest does not accrue, and time in the XXXX forbearance is not credited toward XXXX forgiveness or Public Service Loan Forgiveness ( PSLF ). 

As of XX/XX/XXXX, your interest balance was {$7000.00} *, and as of XX/XX/XXXX, your interest balance is {$6000.00} *. 

-- --

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: VA

Complaint narrative:
I value my credit a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. I want my credit report to only reflect accurate information, which is why its important all data is verified. These inaccurate items are in pending litigation due to reporting errors on my report. Because they are in a pending litigation, you will not be able to verify what the disputed errors are and therefore these items need to be deleted under 15 U.S. Code 1681i ( a ).

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 2025-04-18 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-18 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:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

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 2025-04-18 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-04-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
Report student loan servicer misconduct, including errors in loan balances, misapplied payments, and wrongful denials of repayment plans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: EQUIFAX, INC.
State: SC

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: NJ

Complaint narrative:
I discovered that my personal information was used without my permission to open unauthorized loan accounts, including the use of a credit card without my authorization. I did not approve these actions and am a victim of identity theft.

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 2025-04-18 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: IL

Complaint narrative:
To whom it may concern, I am submitting this complaint to formally dispute a collection account that has reappeared on my credit report. Account number XXXX. This account was previously removed after being found to be either inaccurate, unverifiable, or otherwise resolved. Its sudden reappearance is not only distressing but also unjustified. The presence of this collection account is negatively impacting my credit score and overall financial well-being. It is causing me significant stress and is interfering with my ability to obtain credit, housing, and other essential financial services. I have made efforts to maintain a clean and accurate credit profile, and the re-reporting of this account is causing undue harm. I respectfully request a thorough investigation into how and why this account was reinserted into my credit report. I would also like confirmation that the furnisher has provided the required notice to the credit reporting agencies per the Fair Credit Reporting Act ( FCRA ), specifically under 611 ( a ) ( 5 ) ( B ), which mandates that if a deleted item is reinserted, the consumer must be notified within five business days. Please take the necessary steps to investigate this matter and ensure that my credit report reflects only accurate and verified information. 



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 2025-04-18 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: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
According to this section of the FCRA, negative information such as accounts placed for collection, charge-offs, and civil judgments are not to be reported if they are more than XXXX years old, and XXXX  are to be removed after XXXX years from the date of adjudication. 

Upon reviewing my credit report from your agency, I have identified the following item ( s ) that are beyond the reporting period allowed by federal law : The date of first delinquency on this account is more than XXXX ( or XXXX, if XXXX ) years old, and therefore should no longer appear on my credit file. Under 15 U.S.C. 1681c, I am requesting the immediate removal of this outdated item. 
Please reinvestigate this matter and delete the above item ( s ) from my credit report. Enclosed are copies of relevant documents supporting my claim. I respectfully request written confirmation that this item has been removed, and an updated copy of my credit report once the reinvestigation is complete. 

Thank you for your attention to this matter. 
Midland credit management.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Brock & Scott, PLLC
State: NC

Complaint narrative:
XXXX & XXXX XXXX are claiming a debt is owed and I requested their License or Permit # to collect debt in North Carolina, as well as a contract I have to prove the debt is legitimate. They have not provided proof of debt, proof of contract, and a certified copy of their license/permit to collect debt in North Carolina XXXX 

XXXX XXXX and XXXX XXXX XXXX have signed the paperwork, and have not received what I requested. If they are attempting to collecting debt in NC without a license or permit from XXXX of XXXX, it violates XXXX. XXXX. 

I appreciate your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: FL

Complaint narrative:
This complaint involves XXXX  XXXX  and Experian each XXXX of these companies were notified by mail and by phone that was no contact from the first no call back as well as suggested by their representative and no response from by mail... These XXXX bureaus did not properly investigate the information placed on the credit report and gratuitously accepted information from fraudulent companies in this case XXXX / XXXX XXXX .. the latter received mortgage payments did not apply all of the mortgage payments to the loan they receive mortgage payments by money order cash some of those money orders others they did not cash yet they reported late payments to the credit bureaus .. in light of wintrust/ XXXX XXXX 's XXXX the continual fraud the fraud to homeowners bank accounts the numerous lawsuit settlements against them the pay for pay scheme they inacted for which they received against them a XXXX XXXX lawsuit settlement they should not be allowed to report anything on the credit of a person...

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 2025-04-18 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 am writing to file a formal complaint against XXXX and Experian for failing to immediately and permanently remove fraudulent accounts from my credit report, despite having provided all necessary documentation to prove my identity theft claim. The fraudulent accounts in question were opened without my knowledge or consent, and I have already filed a report with the Federal Trade Commission ( FTC ). A copy of my FTC Identity Theft Report is attached as evidence of my identity theft. The specific fraudulent accounts that need to be removed are as follows : Account Name : XXXX XXXX XXXX XXXX ( XXXX Card ) Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX Date Opened : XX/XX/XXXX Account Name : XXXX Date Opened : XX/XX/XXXX And all inquiries on my report. Despite the Fair Credit Reporting Act ( FCRA ) and Identity Theft Enforcement and Restitution Act of 2008, which mandate the permanent removal of fraudulent accounts upon submission of an FTC Identity Theft Report, Experian and XXXX has failed to act within the legally required time frame and has not removed these accounts from my credit report. In light of recent lawsuits involving Experian and XXXX  regarding failures to handle identity theft cases accurately, I am taking this issue seriously and seeking your immediate assistance in ensuring that my rights are upheld. I request that the CFPB intervene to ensure that Experian and XXXX complies with federal law and removes these fraudulent accounts from my credit file immediately and permanently.

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: MO

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-04-18 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: SC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 2025-04-18 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: VA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
Mr. Cooper purchased my mortgage and have changed my payments from when the mortgage was being held by XXXX XXXX. 

I wanted to set up what I had previously, which was bi-weekly payments with {$100.00} additional dollars being applied to the principle with each payment. 

Mr. Cooper allowed this, but only if the account was paid in advance by one month. I followed their rules and paid XXXX full mortgage payments in XXXX. {$2300.00} on the XXXX, and {$2400.00} on the XXXX. 

Mr. Cooper took my money but did not apply payment to the principle. The reduction to the principle just happened today on XX/XX/XXXX allowing interest to accrue on the principle for over 30 days despite having the money. This allowed the principle to grow by {$280.00} by not applying funds received until over 1 month from the date of payment. This excess money added to my principle by not applying the payment is a theft they they are doing to me on a monthly basis. They probably do this to many clients too. Since my account is in on overpayment status, Mr. Cooper should apply payments when money is received and not allow interest to grow until they decide to apply the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Javitch, Block & Rathbone LLC
State: TX

Complaint narrative:
javitch block llc is a debt collector trying to collect a debt for a third party debt collector named XXXX XXXX XXXX  who bought my alleged debt from XXXX XXXX XXXX XXXX. now they are trying to sue me in XXXX XXXX court for this alleged debt. neither on of these company have a business license to operate in Texas. I never signed a contract with neither one of those companies and I never gave them lawful permission to have my social security number this is identity theft. I also emailed them through their website XXXX and told them I don't owe any debt, I called them too but I was on hold for 30 mins with no answer phone number XXXX call and see how long your on hold for an see for yourself. The way I found out I was being sued was thru an advertisement sent to my residence. this is a violation on the FCRA and the FDCPA. They are operating illegal to collect debts and need to be stopped because I'm in fear of my life and credit worthiness and in fear of wage garnishment for a debt they can't prove that is mines. the case number is XXXX in XXXX XXXX. I'm in fear of my life and need help. there address is XXXX XXXX XXXX XXXX OH 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