vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-19 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: MD

Complaint narrative:
There a company that has placed a collection account on my credit for {$17.00} company is named XXXX XXXX XXXX. Once again I've called this company to verify the information that they have and I was told the social security number is not mine however the birthday match. This is not ok if the social security number does not match mine why was this placed on my credit profile?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: Affirm Holdings, Inc
State: CT

Complaint narrative:
I am not liable for this debt with AFFIRM INC,, I do not have a contract with AFFIRM INC,, they did not provide me with the original contract as I requested. I demand XXXX to removed this innacurate from credit reporting. Thank you. 
ACCt # : XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX The date, last active is inaccurate is the last date reported is not accurate. This ground for REMOVAL. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The Law clearly states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
All of the reinvestigation from XXXX stated that accounts came back verified but never proved the verification. I would like all off my accounts verified.

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 2025-03-20 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: AL

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 2025-03-20 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: AL

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 non-monetary relief
Consumer complaint received 2025-03-20 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: SC

Complaint narrative:
I need your assistance in reviewing accounts from companies that have inaccurately reported late payments. After checking my credit report, I noticed certain accounts incorrectly marked as late. These accounts should not have any late payment remarks. Please remove these inaccuracies and update the accounts as positive, as agreed.

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 2025-03-19 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: TX

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time. 

I demand the late payment reported to be removed/updated.

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 2025-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I made several purchases to XXXX ( XXXX ), a telehealth company for compounded XXXX. They advertised and solely used XXXX XXXX who never had a sterile compounding license, they applied but were not granted. It came to light after the FL Dept. of Health released a report of their findings in mid XXXX. I immediately contacted Capital One after attempting to go through the merchant. Cap 1 classified it as a cancellation dispute, it was a misrepresentation of goods and an egregious one and they continue to give me excuses of MC rules and why they can not assist. I never used the medication as I had plenty onhand and will not after seeing the photos/findings distributed by FL Dept . of Health. XXXX submitted falsified documents that Capital One took no time in verifying they sided with the merchant. The FBI is investigating this as well. Transaction for {$350.00} for Quicksilver on XX/XX/XXXX with the Chargeback Filed on XX/XX/27. Denied multiple times with no care or concern for me as a consumer who uses them for my banking and credit cards. I am disgusted. Others have won disputes with Cap 1. There have been over {$200000.00} awarded in favor of the consumer for XXXX and XXXX and Cap 1 hides behind MC " rules ''. I cant even speak to someone on the debit side. XXXX has granted my disputes in the amount of {$1500.00} immediately and is protecting their consumers. I can't afford this medication as my insurance doesn't cover it. i have since ordered from another provider. I have 9 vials and will not XXXX XXXX XXXX XXXX I have another ongoing dispute for {$850.00} for my debit account I was able to submit more evidence for, but no one will speak with me and go over it. I am at a loss and disgusted by these companies, moreso MY BANK. I am willing to provide evidence to justify why this is a misrepresentation of goods.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: First Credit Services Inc.
State: MN

Complaint narrative:
To whom it may concern, I am requesting Debt validation as required pursuant bye FCRA. in addition to debt validation, I am also requesting a copy of wet signature contract failure to produce these request our subject to litigation in pursuit of statutory damages. 

I thank you for your prompt response to my request. I said documents can not be produced. I am demanding immediate deletion from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Self Financial Inc.
State: IL

Complaint narrative:
I am writing to you to request a goodwill adjustment for a late payment that is on my account from XX/XX/XXXX, XX/XX/XXXX, And XX/XX/XXXX. I always make my payments on time and make every effort to fulfill my financial responsibilities, but the past few months have been a hardship for me. At the time of these late payments, I was laid off from my job due to unforeseen Medical issues, and still made the effort to make my monthly payment although I am still out of work. I say that not to justify why the payment was late, but rather to show that the late payments are not a good indicate of my actual historical creditworthiness. I have been a happy customer since XXXX and I hope to continue a long relationship with your company. I hope that you are willing to work with me on erasing these marks from my credit reports. I am now trying to find an apartment and lease a car and I am having trouble doing so due to my credit score decreasing due to these late payments. I understand that according to federal law 15 U.S. code 1631a ( 2 ) ( Ai ), a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the payment. I also understand that according to federal law IS U.S. code 1666b ( a ), a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose I am asking that these late payments be removed from my report in response to this letter as a gesture of goodwill. I hope that you will deeply consider my request and prove once again why Self Inc is heads above the rest. I look forward to your reply. 



Very Hopefully yours, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: NY

Complaint narrative:
I was alarmed that there are inaccurate late payment remarks on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Lien release
Company: AMERIS BANCORP
State: AL

Complaint narrative:
In XXXX I got a mortgage for a double wide trailer on XXXX acres of land using a paid off single wide trailer and XXXX acres of collateral for the mortgage. In XXXX of XXXX I sold the double on XXXX acres and paid off the mortgage. XXXX did not acknowledge this payoff until XX/XX/XXXX according to our closing attorney. I did not get my title back to my home until Summer of XXXX almost a year later. I went to go sell the single on XXXX acres of land this month XXXX of XXXX for this closing attorney to find that XXXX still has not removed their lien from my home. I have now had to delayed closing 3 times because they keep saying they will get removed on x date and they still have not removed the lien.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: CT

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX  XXXX,, I do not have a contract with XXXX XXXX XXXX  XXXX,, they did not provide me with the original contract as I requested. I demand EQUIFAX to removed this innacurate from credit reporting. Thank you. 
ACC # XXXX The date, last active is inaccurate is the last date reported is not accurate. This ground for REMOVAL. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The Law clearly states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
i ordered a product and communicated that there was an issue with the product to paypal but they were not acting competently in addressing the issue so i contacted my bank to make sure that the payment was properly disputed. Apparently XXXX XXXX communicated incorrect information to Paypal because the representative ignored what i had communicated and told paypal there was an unauthorized charge when that wasnt true. I called paypal to correct the matter, they verified who i was over the phone and told me everything was okay. That was a lie, my transactions were being declined and i was being asked to verify my bank account and identity when i have had this account for years and have never had this issue. When i contacted XXXX XXXX to correct this problem they told me it was already resolved and couldnt. Now Paypal is claiming they declined the transaction for security to protect my money from the website I was on, another blatant lie because I was on XXXX XXXX official website trying to buy ink. Paypal needs to listen to the consumer and do what they tell you when they say your account is fine and you've been verified... .they should be telling you the truth and not deceiving you. I dont need paypal, i only use them because i dont like inputing my personal information on websites. I want someone to address this discrimination that has been placed upon the account for alledged security reasons that alledgedly were corrected. Their representatives are notorious for doing things like this and this needs to stop. its unfair to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of AFFIRM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-03-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX XX/XX/year>2025 Consumer Financial Protection Bureau 1700 G Street, NW Washington, DC 20552 Formal Dispute and Request for Loan Discharge Due to Government Breach of FERPA To Whom It May Concern, I am writing to formally dispute the handling of my federal student loans due to a breach of my rights under the Family Educational Rights and Privacy Act ( FERPA ). As a borrower, my private educational records were not protected as required by law, and I believe this violation has directly impacted my student loan obligations.

FERPA is designed to protect the confidentiality of student records, ensuring that no unauthorized disclosures occur without proper consent. However, in my case, due to the lack of consent and breach of my personal information, my personal information being breached and disseminated will cause irreparable harm to my financial and personal safety. 

Due to this breach, I believe my loan obligations should be reconsidered and discharged, as my rights as a borrower have been fundamentally compromised. 

I respectfully request the following actions : 1. A full investigation into the FERPA violation and its impact on my student loans.

2. A written response detailing how my dispute will be addressed.

3. The discharge of my federal student loans due to this violation. 

Please consider this letter a formal dispute under all applicable consumer protection laws. I expect a response within the timeframe required by law. If I do not receive a satisfactory resolution, I am prepared to escalate my complaint to the appropriate oversight agencies. 

Please confirm receipt of this dispute and keep me updated on the status of my request. You may contact me at XXXX or XXXX if additional information is required. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon reviewing my Consumer Reports, I discovered errors of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with accuracy. I have never missed a payment on the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am requesting a thorough investigation into these discrepancies and ask you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as paid on-time, as I have consistently upheld my payment obligations without any delay. I have tried to resolve this issue with the creditor and they have failed to remedy the situation.

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 2025-03-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: KS

Complaint narrative:
Subject : Formal Complaint Regarding NelNet 's Mismanagement of Department of Education Federal Student Loan Status and Damage XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX am writing to formally express my deep frustration and disappointment with the handling of my student loan account, which has resulted in unjust damage to my credit report and placed me in an extremely vulnerable financial situation. 

In XX/XX/2024, I contacted USDA 's loan service, NelNet, after receiving emails from them about past-due payments. At that time, I was under the understanding that my loans were in deferment status. 

During my phone conversation with a NelNet representative, I was explicitly told that I did not need to take any action and that I could safely ignore the past-due notices. 

Following the guidance provided, I took no action as advised and trusted that my account was properly managed. So, I ignored the following emails, as the NelNet advisor directed. 

To my shock and dismay, five months later, I discovered that NelNet had reported my account as delinquent to the credit bureau. I immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted Department of Education and NelNet, paid the overdue amount, and was assured by the Department of Education representative that my account would be corrected and the derogatory mark on my credit report would be removed. 

NelNet did nothing. I reached out again and found I subsequently was denied, despite the fact that I was misled by NelNets own representative and told to ignore their emails. 

Additionally, when I requested a copy of the original phone recording that confirmed the guidance I was given, I was informed that the recording was no longer available. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I made significant personal and professional sacrifices to XXXX XXXX XXXX XXXX XXXX where others have chosen not to XXXX 

XXXX XXXX  term will end in two months, and due to NelNets miscommunication and the unjust mark on my credit report. 

The negative credit report prevents me from securing a loan, buying a car, rent a home and threatens my ability XXXX XXXX again. This situation is not only unfairit is a direct consequence of NelNets misinformation and mismanagement. A simple confidential NelNet advisor phone message could have been left to prevent this from happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was alarmed that there are inaccurate late payment remarks on my report.

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