vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 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: MN

Complaint narrative:
On XX/XX/year>, I mailed a certified letter to Nelnet requesting validation of my federal student loan under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I specifically asked for a copy of the original signed promissory note, a complete payment history, a breakdown of how my current balance was calculated, and documentation proving Nelnets legal authority to service or collect on this loan. Nelnet acknowledged receipt of my correspondence via email on XX/XX/year>, stating that a response would be provided within XXXX business days. However, as of XX/XX/year>, I have not received any of the requested information by mail or in my online Nelnet account. Despite this, the account remains active and is still being reported to credit bureaus. I am requesting that this account be removed from credit reporting until full and accurate validation is provided, as required by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: TN

Complaint narrative:
Please note names and business addresses of each individual with whom you verified the information with above. I will also like to know if the furnisher provided you with my SSN, signature and agreement to pay. Provide signature on contract or document that holds me responsible for the alleged debt. Also send proof that you are licensed to collect debt in my state. This letter sent as my formal debt validation request, which I am allowed under the FDCPA. Please forward an updated credit report to me after you have completed your investigation and corrections. PLEASE DO NOT VERIFY AS ACCURATE without providing me VALIDATION and PROOF! I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). Any verify as accurate without 100 % accuracy validation and proof will cause me to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the CFPB, FTC and my state attorney general. 
XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX BY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-07-15 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: LA

Complaint narrative:
I am writing to formally file a complaint against Equifax, TransUnion, and Experian for failing to comply with the Fair Credit Reporting Act ( FCRA ) regarding the timely investigation and resolution of disputed inaccuracies on my credit report. 

On XX/XX/year>, I mailed written dispute letters to all three credit bureaus ( Equifax, TransUnion, and Experian ), clearly identifying multiple inaccurate and unverifiable items on my credit file. According to the FCRA ( 15 U.S. Code 1681i ), the credit reporting agencies are required to investigate and respond to disputes within 30 calendar days of receiving the request.

As of the date of this complaint ( more than 30 days later ), I have not received any formal response or resolution from Equifax, TransUnion, or Experian. Their failure to respond constitutes non-compliance with the FCRA, specifically : 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) : Requires a consumer reporting agency to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, and record the current status of the disputed information, or delete the item from the file within 30 days of receiving notice of the dispute.

This delay is not only unacceptable but also violates my consumer rights under federal law. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to enforce compliance and hold these agencies accountable.

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 2025-07-15 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing to formally file a complaint against Equifax, TransUnion, and Experian for failing to comply with the Fair Credit Reporting Act ( FCRA ) regarding the timely investigation and resolution of disputed inaccuracies on my credit report. 

On XX/XX/year>, I mailed written dispute letters to all three credit bureaus ( Equifax, TransUnion, and Experian ), clearly identifying multiple inaccurate and unverifiable items on my credit file. According to the FCRA ( 15 U.S. Code 1681i ), the credit reporting agencies are required to investigate and respond to disputes within 30 calendar days of receiving the request.

As of the date of this complaint ( more than 30 days later ), I have not received any formal response or resolution from Equifax, TransUnion, or Experian. Their failure to respond constitutes non-compliance with the FCRA, specifically : 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) : Requires a consumer reporting agency to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, and record the current status of the disputed information, or delete the item from the file within 30 days of receiving notice of the dispute.

This delay is not only unacceptable but also violates my consumer rights under federal law. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to enforce compliance and hold these agencies accountable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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:
T

his CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX CT XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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 recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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:
These accounts do not belong to me and were opened without my consent or knowledge. Please remove them within 15 days as stated in USC 1681g. Evidence is attached.

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 2025-07-15 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: CA

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT COMPANY HAS PREVIOUSLY MISUNDERSTOOD AND PROVIDED A RESPONSE NOT MATERIAL TO THE COMPLAINT PLEASE SEE THE BELOW INFORMATION : Nelnet incorrectly placed my loans on a Standard Repayment plan when they took over the loans from great lakes which resulted in missed payments and subsequent negative credit reporting. I am asking Nelnet to stop reporting the negative information on my credit that resulted from their mistake and they are blocking me and resisting to correct the issue which occurred because they made a mistake. The record will show I did not submit a request to change to a standard plan either with great lakes or Nelnet and should have remained on an IDR plan following the transfer. Please ask Nelnet to rescind the incorrect negative credit reporting that it is still doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: AL

Complaint narrative:
In XX/XX/year>, my vehicle was declared a total loss by my insurance company, and a payout of {$10000.00} was approved and sent to Bridgecrest. I have attached the confirmation email from the insurance representative as proof. 

However, despite this, the account is still being reported as charged off or with a remaining balance. That is incorrect. The loan should have been satisfied in full by the insurance proceeds, and I should not be held responsible for any remaining balance. 

Also, there are discrepancies across the credit bureaus : The balance is different depending on the bureau. One bureau says Paid or being paid by insurance, while others just say charge-off. 
The status dates and account closure details are not matching either. 

This is a clear violation of the FCRA, and I am requesting that this account be permanently deleted from all three reports due to the inaccurate and inconsistent reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS AND HARD INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS AND HARD INQUIRIES from my credit report. ACCOUNTS : XXXX  XXXX {$4300.00} XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
All they wanted to discuss was the collection of money and whether I would pay them or not. And if I had a problem with the collection, I could contact the credit bureau and take it up with them, and I did, and they kept on reporting to the credit bureau that it was my account and it was valid. 

I did some research on the Fair Credit Act and requested the following : I am requesting a debit validation claim according to section 15-USC-1692-G ( 1 ) I want you to send me a full payment history on this account. 
( XXXX ) I want to see the original signature of this contract that I agreed to with this creditor ( XXXX ) Has there been an insurance claim found on this debit ( XXXX ) I want to see the chain of title that you have to collect this debt. 

So I can show Law enforcement that this was not I who applied for these cards. 
Because the addresses that they had on file belonged to a XXXX XXXX and a XXXX sandwich shop that they had on file before they were provided with my correct home address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: MD

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: NY

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3600.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$6300.00}

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 2025-07-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I've disputed the fact that these companies have written the items off as a profit loss and they have been compensated yet they still continue to report it on my credit as negative

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: NV

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3100.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3100.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/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 2025-07-15 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: TX

Complaint narrative:
Due to the inaccurate information provided for the following XXXX accounts, I am demanding its removal from my credit report : XXXX XXXX, XXXX XXXX. The correspondence from the company and the statements are attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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:
Due to the inaccurate information provided for the following XXXX accounts, I am demanding its removal from my credit report : XXXX XXXX, XXXX XXXX. The correspondence from the company and the statements are attached.

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 2025-07-15 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
This letter serves as a formal demand for reinvestigation and permanent deletion of the Bridgecrest account referenced above from my credit file. This account is reporting a charge-off with 36 months of delinquency, which I categorically dispute as inaccurate, unverifiable, and misleading.

Pursuant to 15 U.S.C. 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ), I am asserting my right to dispute any item that I believe is inaccurate, incomplete, or can not be verified. The FCRA mandates that upon receiving such a dispute, you must conduct a reasonable reinvestigation and delete or correct all information that is found to be unverifiable or inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: MI

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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 am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit 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 non-monetary relief