vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-05-22 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:
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 2025-05-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc.
State: TX

Complaint narrative:
This is a follow-up to my original CFPB complaint ( # XXXX ) regarding a disputed {$920.00} medical debt reported by United Collection Bureau, Inc. ( UCB ) . In their XX/XX/XXXXXXXX XXXX  response, UCB falsely claimed they enclosed a validating statement from the original medical provider and a signed consent form. No such documents were attachedonly their lettermeaning they misrepresented material facts in a formal response to the CFPB, which is deceptive under the Consumer Financial Protection Act. Furthermore, UCB has failed to comply with federal and Texas validation requirements. They provided no itemized bill, no record of service dates, no legal contract establishing the debt, and no evidence of their right to collect. Their reference to being a business associate of the medical provider does not exempt them from HIPAAs requirements, which prohibit disclosure or use of protected health information ( PHI ) without a valid HIPAA authorization signed by me. A general treatment consent form does not meet that standard under 45 CFR 164.508. Therefore, if they used or accessed PHI without my written authorization, they have violated HIPAA. If they did not, then their validation attempt is illegitimate and the information they are reporting is unverified. They are also reporting an open date of XX/XX/XXXX, which I believe has been re-aged in violation of FCRA 623 ( a ) ( 5 ). Lastly, UCB continues to report this disputed medical debt in direct contradiction to the CFPBs April 2024XX/XX/XXXX final rule, which affirms that XXXX XXXX are not reliable indicators of creditworthiness. UCB has failed to validate, misrepresented their compliance, and is engaged in deceptive and unlawful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
XXXX Whom It May ConcernXXXX am a victim of identity theft and/or fraud. As such, the information that appears on my credit reportsubmitted by a XXXX  party to obtain credit or other services using my nameis inaccurate and does not belong to me.XXXX am formally requesting that this fraudulent and unauthorized information be removed from my credit report immediately, in accordance with the Fair Credit Reporting Act (FCRA). I am also requesting a thorough investigation into this matter.XXXXPlease confirm receipt of this dispute and inform me of the outcome once your investigation is completeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: FL

Complaint narrative:
This account was charged off XXXXXXXX XXXX XXXX  and since has been updated as charge off every month. This is an update in payment history. Charged off accounts should not have an active payment history. This inaccurate information falsely manipulates the statue of limitations. You have failed to investigate properly and your neglect has violated my rights. I demand the deletion of account. 

Account : XXXX XXXX - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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:
My credit report still lists inaccurate personal information and a fraudulent account Ive never been connected to. Im a victim of identity theft, and my information was used without my consent. I followed the proper steps, filed an FTC Identity Theft Report, and submitted it as instructed by TransUnionyet the account remains.

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 2025-05-22 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: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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 request that this late payment be promptly deleted from my account because it does not accurately reflect my payment history. This incorrect entry is unfair because I've always made my payments on time. Please update my account with the necessary information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: PA

Complaint narrative:
My XXXX  XXXX  loan servicer, XXXX, reported my loan accounts as 210 days past due as of XX/XX/XXXX. However, these loans were protected under the XXXX XXXX program from XX/XX/XXXX, through XX/XX/XXXX. During that time, the U.S. Department of Education stated that missed payments would not be reported as delinquent. 

XXXX  own letter confirms the delinquency status but does not justify how these negative marks comply with the CARES Act and post-forbearance protections. The late payments were reported without sufficient warning or repayment plan options, and now appear across all XXXX  credit bureaus ( XXXX, Equifax, and XXXX  ), damaging my credit. 

I already contacted XXXX and received no resolution. I am requesting CFPB review and intervention to ensure accurate reporting under federal policy and to have these delinquencies removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: PA

Complaint narrative:
My XXXX XXXX loan servicer, XXXX, reported my loan accounts as 210 days past due as of XX/XX/XXXX. However, these loans were protected under the XXXX XXXX program from XX/XX/XXXX, through XX/XX/XXXX. During that time, the U.S. Department of Education stated that missed payments would not be reported as delinquent. 

XXXX  own letter confirms the delinquency status but does not justify how these negative marks comply with the CARES Act and post-forbearance protections. The late payments were reported without sufficient warning or repayment plan options, and now appear across all XXXX  credit bureaus ( Experian, XXXX, and XXXX  ), damaging my credit. 

I already contacted XXXX and received no resolution. I am requesting CFPB review and intervention to ensure accurate reporting under federal policy and to have these delinquencies removed.

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 2025-05-22 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: PA

Complaint narrative:
My XXXX XXXX loan servicer, XXXX, reported my loan accounts as 210 days past due as of XX/XX/XXXX. However, these loans were protected under the XXXX XXXX program from XX/XX/XXXX, through XX/XX/XXXX. During that time, the U.S. Department of Education stated that missed payments would not be reported as delinquent. 

XXXX  own letter confirms the delinquency status but does not justify how these negative marks comply with the CARES Act and post-forbearance protections. The late payments were reported without sufficient warning or repayment plan options, and now appear across all three credit bureaus ( XXXX, XXXX, and TransUnion ), damaging my credit. 

I already contacted XXXX and received no resolution. I am requesting CFPB review and intervention to ensure accurate reporting under federal policy and to have these delinquencies removed.

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 2025-05-22 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:
Subject : URGENT Dispute Regarding Social Security Data Breach Dear CFPB / Credit Bureau, I am writing to formally dispute the unauthorized exposure of my personal data due to the XX/XX/year> Social Security breach, which has compromised sensitive information, including Social Security numbers, financial records, and personal identifiers. This breach represents an egregious violation of multiple consumer protection laws. 



Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: GA

Complaint narrative:
XXXX XXXX DEALER HAS PLACED INQUIRY ON MY CREDIT REPORT ON XX/XX/XXXX AND XX/XX/XXXX I AM A VICTIM OF IDENITY THEFT IN XXXX I WILL BE UPLOADING MY POLICE 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
Consumer complaint received 2025-05-22 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: GA

Complaint narrative:
XXXX XXXX XXXX  HAS PLACED INQUIRY ON MY CREDIT REPORT ON XX/XX/XXXX AND XX/XX/XXXX I AM A VICTIM OF IDENITY THEFT IN XXXX I WILL BE UPLOADING MY POLICE 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
Consumer complaint received 2025-05-22 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: CO

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have encountered difficulties accessing my [ Experian Credit Bureau ] account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

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 2025-05-22 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: MS

Complaint narrative:
For about a month and a half Ive been calling Equifax almost daily to gain access to my online account. When I login the message say in short to call customer service. I call in and some days after calling, I can gain access then a few hours later Im locked out again. Each call, the reps tries different things and if XXXX still cant gain access they say they are escalating to tech support and that I will get an email within 24-48 hours. I never get an email. Sometimes I call in and they say my account was locked and they say they unlock it and boom I have access. Some days I call and they say they unlocked it and still no access. They tell me to reregister because my account is incomplete but when I try to reregister it say I already have an account. I have an active subscription with Equifax and have for years so I know my account is complete. This is very time consuming calling in and Im paying for a service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: PA

Complaint narrative:
My student loan servicer is Nelnet. They are the only company that has ever done my student loans. On my statement dated XX/XX/year> I have a Current Balance of {$18000.00}. This is correct. Today, XX/XX/XXXX I logged into my Nelnet account and it shows an incorrect balance of {$22000.00} suddenly. I have not taken any additional disbursements I have been out of school. 

I called Nelnet. They are unable to provide an explanation to this sudden increase of {$4100.00}. I will upload the latest statement here.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief