vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 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: SC

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 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 2025-11-19 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: SC

Complaint narrative:
I reached out to XXXX to let them know I couldnt afford to pay them back and to see can I apply for loan forgiveness, but they kept denying my application. One of the colleges on my student loans no longer open also.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: NC

Complaint narrative:
I am a victim of identity theft, these are the accounts I found when i checked my credit today. I never opened these accounts or gave anyone permission or authorization to open these accounts

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 2025-11-19 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 am formally requesting the prompt removal of the unauthorized accounts listed on my credit report, as I neither authorized nor was aware of their existence. In compliance with 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Enclosed are supporting documents for your review.

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 2025-11-19 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: DISCOVER BANK
State: CA

Complaint narrative:
Details of the Dispute : Subscription/Merchant Error : I canceled a subscription with XXXX in XX/XX/XXXX. XXXX continued to charge my account without my knowledge. Since this was the only transaction on the card, I was unaware of the recurring charges or the resulting past-due balance. 
Resolution of Charges and Fees : Upon notification in XX/XX/XXXX, I contacted XXXX, and they acknowledged their error and reimbursed the subscription charges. 
I then contacted Discover, and Discover acknowledged the mitigating circumstances by reversing the associated late fees on the account. 
Inaccurate Reporting : Despite the charges and subsequent fees being fully resolved and the late fees being reversed by Discover, a " 30/60-Day Late Payment for XXXX months '' remains reported on my XXXX credit file for the period of XX/XX/XXXX to XX/XX/XXXX. 
Conflict : I have been advised by XXXX to contact Discover to remove the negative remark, which confirms that Discover, as the furnisher, has the sole authority to update the reporting. 
Request for Action : I request that Discover conduct a thorough re-investigation into this matter, taking into consideration the reversal of the late fees, which serves as clear evidence that Discover itself found the circumstances mitigating and acknowledged the non-standard nature of the delinquency. 
I formally request the immediate removal of the inaccurate Late Payments reporting for the month of XX/XX/XXXX to XX/XX/XXXX from all credit bureaus to reflect an accurate " Paid on Time '' status. This has prevented me from taking advantage of down payment assistance for a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
Statement of Dispute and Identity Theft while in federal prison To Whom It May Concern : I am writing to formally dispute the loans and credit inquiries that were taken out in my name during a period when I was incarcerated in federal prison and actively participating in an intensive rehabilitation program. During this time, I had no ability to apply for credit, authorize financial activity, or communicate with outside institutions in any manner that would allow me to initiate these accounts.

These loans and credit checks were made without my knowledge or consent and constitute identity theft. I have provided documentation proving my incarceration during the period in which these accounts were opened.

Despite my attempts to resolve this matter, the above-referenced company has refused to work with me, acknowledge my circumstances, or assist in correcting the fraudulent information on my credit report. Their refusal is preventing me from clearing my credit and moving forward with my life. 

I respectfully request that the fraudulent accounts and inquiries be removed from my credit file and that proper action be taken to investigate this identity theft. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CCM Finance LLC
State: TX

Complaint narrative:
I am at my last payment as i am reminded of how much is my pay off loan each time that i make a payment. A rep told me that i owe per diem which was supposedly added to my loan at beginning of loan. I am already charged interest so how is that legal? My regular monthly payments already include all the interest charges throughout the life of the loan. This company takes advantage of honest people.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: GA

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! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES : 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 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 2025-11-19 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: NJ

Complaint narrative:
Unauthorized access to my credit report by multiple companies has severely damaged my credit and credit score. 
I previously contacted your agency and was explicitly assured by a representative that these unauthorized inquiries would be removed but that promise has been blatantly ignored, as they persist on my report. 
This inaction is completely unacceptable ; the ongoing presence of these potentially fraudulent entries is deeply alarming and indicates clear signs of identity theft. 
This unresolved matter continues to cause significant emotional and financial harm.

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: NV

Complaint narrative:
I am disputing this collection account because it is inaccurate. The XXXX school I attended permanently closed and never issued my certificate or completion documents. Because the school shut down, I was unable to finish the program, receive services, or obtain the records needed to verify any charges. 

This debt should not be legally collectible because the school closed before providing the education or certification I paid for. I request that this collection account be removed from my credit report under the Fair Credit Reporting Act as it is not a valid or complete obligation. 

Please investigate and delete this account.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-19 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: NJ

Complaint narrative:
Unauthorized access to my credit report by multiple companies has severely damaged my credit and credit score. 
I previously contacted your agency and was explicitly assured by a representative that these unauthorized inquiries would be removed but that promise has been blatantly ignored, as they persist on my report. 
This inaction is completely unacceptable ; the ongoing presence of these potentially fraudulent entries is deeply alarming and indicates clear signs of identity theft. 
This unresolved matter continues to cause significant emotional and financial harm.

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 2025-11-19 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing a complaint regarding an inaccurate and unvalidated derogatory tradeline on my Equifax credit report, reported by XXXX XXXX for my XXXX credit card ( ending in XXXX ). 

The last legitimate transaction on this account was a {$95.00} charge from XXXX on XX/XX/XXXX ( verified via my statements ). After this charge, no further purchases occurred, and my statements show no transactions for the entirety of XXXX. 

My historical statements from XXXX all show that I was enrolled in XXXX, but at some point between XXXX XXXX XXXX XXXX XXXX appears to have silently XXXX AutoPay without any notification, which is inconsistent with Regulation Z requirements. There are no notices of XXXX cancellation, no failed payment notices, and no alerts of any kind. 

Despite the lack of notification, XXXX XXXX began assessing late fees on XX/XX/XXXX, and continued adding late fees and interest for months, even though I received no emails, no mailed statements, and no app notifications about any balance due. 

XXXX XXXX and the debt collector have both informed me that they can not provide any documentation validating the debt, including : any record of XXXX cancellation any notices sent to me any evidence I was informed of minimum payments due any breakdown explaining the delinquency The delinquency and charge-off resulted from lack of notice, not from any refusal or inability to pay. I paid the balance immediately upon discovering it. 

Under the Fair Credit Reporting Act ( FCRA ), a creditor must be able to validate the accuracy of a reported delinquency. Since XXXX XXXX is unable to validate or document the debt, the derogatory tradeline should be deleted in full from my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: CA

Complaint narrative:
I disputed incorrect information on my credit report, but the credit bureau said my disputes came from a third party, which is not true. I personally sent the disputes myself. I even called to confirm it was me, but they still refused to process them. 

I spent money mailing my letters and included documents to prove my identity. Its unfair that they didnt investigate properly. I just want my disputes handled correctly as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: IL

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: CA

Complaint narrative:
I disputed incorrect information on my credit report, but the credit bureau said my disputes came from a third party, which is not true. I personally sent the disputes myself. I even called to confirm it was me, but they still refused to process them. 

I spent money mailing my letters and included documents to prove my identity. Its unfair that they didnt investigate properly. I just want my disputes handled correctly as required by law.

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 2025-11-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: NY

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I previously submitted a written dispute to DEPT OF EDUCATION/NELNET dated XX/XX/year>, regarding an account that is being inaccurately reported on my credit file. Despite providing all the necessary identifying information and requesting verification under the Fair Credit Reporting Act ( FCRA ), DEPT OF EDUCATION/NELNET has failed to respond, verify, or correct the information within the required thirty ( 30 ) days. Under 15 U.S.C.

1681s-2 ( b ), the furnisher of information is required to conduct a reasonable investigation once a dispute has been received. Since DEPT OF EDUCATION/NELNET did not provide any documentation to substantiate the accuracy of the reported account, they are now in noncompliance with federal law and continue to furnish unverifiable and misleading data to the credit bureaus. This inaction has caused harm to my consumer credit profile and has obstructed my efforts to maintain accurate and fair reporting. I am therefore seeking the CFPBs intervention to ensure XXXX XXXX XXXX immediate compliance with FCRA requirements. DEPT OF EDUCATION/NELN XXXX & DEPT OF EDUCATION/NELN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have not done business with Midland Credit Management. I have no debt with them and they have reported to the credit bureaus erroneous debts. They have harassed me and refuse to validate the debt because they know weve not done business. I found that they have suits against them for unfair debt collection and violations to the Federal Trade Commissions. I want the harassment to stop and for my credit report to be corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: NJ

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! 


XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harris & Harris, Ltd.
State: LA

Complaint narrative:
Harris & Harris is falsely reporting on my credit. I have never had any accounts with them. Per my research Harris & Harris is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and Fair Credit Act. Under U.S. Code 1618d - Disclosure of investigation consumer report ; you are in violation. 

THERE IS NO WAY THIS ACCCOYNT CAME XXXX VERIFIED IN ONLY 5 DAYS XX/XX/year> RESULTS XX/XX/year> THIS IS A VIOLATION..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sezzle Inc.
State: AL

Complaint narrative:
A {$500.00} purchase was made on my Sezzle account without my authorization by a family member. I did not approve or authorize this transaction. My bank has confirmed that this transaction was fraudulent. Despite this, Sezzle has not removed the charge from my account and continues to consider me responsible. I am requesting that Sezzle : 1. Officially mark this charge as fraudulent, 2. Remove the charge from my account, and 3. Provide written confirmation that I do not owe any money.

I am seeking resolution so that my account accurately reflects that this was an unauthorized transaction and that I am not responsible for the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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:
I am formally requesting the prompt removal of the unauthorized accounts listed on my credit report, as I neither authorized nor was aware of their existence. In compliance with 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Enclosed are supporting documents for your review.

Company response to consumer: Closed with non-monetary relief