vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 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:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account name : # XXXX Account name : XXXX Account : # XXXX Account # XXXX has violated my rights. 

XXXX XXXX. XXXX section XXXX A. States I have the right to privacy. 
XXXX XXXX. XXXX section XXXX A. Section XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX. XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 


XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-15 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: WA

Complaint narrative:
I am enrolled in an income-driven repayment ( IDR ) plan for my federal student loans, which Nelnet services . My monthly payments have been miscalculated, resulting in significantly higher payments than what is allowed under federal IDR rules. Specifically, my payment exceeds the percentage of discretionary income allowed under the SAVE or REPAYE plan. 

Despite providing updated income and household size information, Nelnet has failed to adjust my payment properly and has not given me a clear breakdown of how the amount was determined. Ive also reviewed recent claims made in a federal class action ( XXXXXXXX XXXX. Nelnet Servicing , LLC ) that allege Nelnet miscalculates IDR payments across many borrowers. 

This issue has created a financial hardship and appears to reflect systemic servicing errors. I am requesting the CFPB 's assistance in requiring Nelnet to : 1. Recalculate my monthly payment based on accurate income and family size using the proper IDR formula 2. Provide a full breakdown of how the payment was calculated 3. Correct any related negative credit reporting if inaccurate amounts have been reported XXXX. Cease all further inaccurate billing until validation is complete I have attempted to resolve this directly with Nelnet but have received vague or no responses. I am requesting the CFPB intervene to ensure compliance with federal loan servicing standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: GA

Complaint narrative:
Hi been ongoing issue for four mts because Equifax refuses to update and reopen my XXXX XXXX loan which is not closed but still active. Everytime I complain they dont do thier work and its starts this process all over again. I have even notified and spoken with several XXXX XXXX  supervisor to get this resolved. XXXX XXXX stated they have sent in Several Reinsertion form to Equifax but Equifax still havent updated and change my status on the report which is lowering my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Ive requested a 1099C and they told me they couldnt Under the FCRA, you can seek XXXX XXXX damages if a creditor furnishes inaccurate information about a debt, XXXX such as incorrectly reporting a charge-off while still claiming you owe the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Century Credit & Collections, LLC
State: CA

Complaint narrative:
In XXXX, I reached out to XXXX XXXX XXXX to service my home. I chose their company because they offered employees at my place of employment a discount on this service. My first contact was with XXXX. I was given a quote for {$300.00} which included the process of spraying XXXX day and XXXX weeks later spray again. After that the service would be on a monthly basis. When I asked for a contract, I was told the company does not do contract. 

XX/XX/year>, XXXX XXXX XXXX came out to exterminate. Then they returned on XX/XX/year>, to complete the initial process. On XX/XX/XXXX, XXXX XXXX XXXX came to my residence. I informed them that I did not prepare my home for extermination because I had no idea they were coming. 

Before leaving, XXXX of the employees asked if he could use my water hose. I allowed him to use the water hose with no hesitation. Little did I know he needed water to fill up the containers used to exterminate. I then started to think, " Are they using plain water to spray my residence. '' After they left, I reached out to XXXX to cancel services and I explained to him that I was certain if they were using chemicals or plain water to treat my residence. 

XXXX then called me and appeared agitated by my cancellation. He then explained to me that every exterminator adds water to a concentrate solution prior to exterminating. I told him I was not aware of that, and I choose not to continue service with them. I was told I would receive an invoice for the work performed. 

On XX/XX/year>, I received an invoice via email. I asked how he wanted to receive his {$150.00} payment cash app or money order. He replied that the money order was fine. Not once saying anything about the amount of {$150.00}. I sent the money order to them way past the invoice date, but I did send it, and I thought it was the end of that. 

On XX/XX/XXXX or maybe XXXX, I received the letter from Century Credit and Collections, LLC. The staff member was very rude when I asked how I dispute the amount they were asking for and was not given a clear answer. I then decided to contact XXXX XXXX XXXX to resolve the issue with no success. 

XXXX XXXX XXXX Charged me {$400.00} for service render on XX/XX/year>, then they charged me {$150.00} more for coming out XXXX weeks later. When the initial process was {$400.00} dollars. They also charged me {$150.00} for XX/XX/year>, and no work was done that day. The are asking for a total of {$800.00} and that is not what I owe.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint because a XXXX XXXX bankruptcy is being reported on my Experian credit report, but it was caused by identity theft. At the time, multiple accounts were fraudulently opened in my name and I was not aware of the full extent of the identity theft until after the bankruptcy was filed. 

I have submitted an FTC Identity Theft Report along with a copy of my photo ID and proof of address. Since this bankruptcy was caused by fraudulent debts, I am requesting a full investigation and removal of this record from my credit file under 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 2025-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Northstar Location Services, LLC
State: CA

Complaint narrative:
Calling a number that is not my personal line. A government business number

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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:
Im reaching out to demand a full and clear certification that every single piece of information linked to this account actually belongs to me. I want absolute confirmation that all data including personal details, transactions, inquiries, and any associated accounts are legitimately mine and have not been added in error or mixed with someone elses information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: FL

Complaint narrative:
Subject : Request for Investigation and Removal of Charge-Off Accounts from Credit Report Dear CFPB Representative, I am writing to formally request your assistance in resolving discrepancies on my credit report related to charge-off accounts that are currently being reported by XXXX. These accounts have already been removed by XXXX  after a successful dispute, yet they continue to appear on my Transunion report, negatively impacting my creditworthiness. 

Below are the details of the charge-off accounts in question : 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 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 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 
Date of XXXX : XX/XX/XXXX Despite my efforts to address this directly with Transunion and the creditors, the accounts remain on my report. I believe this constitutes an inconsistency in credit reporting and may violate the Fair Credit Reporting Act ( FCRA ), which requires that all credit information be accurate and verifiable.

I respectfully request that the CFPB investigate this matter. If these accounts can not be verified in compliance with the FCRA, I ask that they be permanently removed from my Transunion credit report to ensure consistency and fairness.

Thank you for your time and assistance in addressing this issue. I look forward to a resolution within the 30-day timeframe outlined under the FCRA. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I submitted a validation letter for my debt reporting on my credit and it was not update to reflect accurate information nor did the resolution provide details on how the investigation took place. Therefore violating my FCRA rights.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I submitted a validation letter for my debt reporting on my credit and it was not update to reflect accurate information nor did the resolution provide details on how the investigation took place. Therefore violating my FCRA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-15 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-15 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: NJ

Complaint narrative:
After reviewing my credit report in XX/XX/XXXX, I identified numerous accounts that were opened without my authorization. These entries do not belong to me and are the result of identity theft. 

The fraudulent accounts and inquiries include : 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 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

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 2025-05-15 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: NJ

Complaint narrative:
After reviewing my credit report in XX/XX/XXXX, I identified numerous accounts that were opened without my authorization. These entries do not belong to me and are the result of identity theft. 

The fraudulent accounts and inquiries include : 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: AR

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 non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NV

Complaint narrative:
I am writing to formally dispute my federal student loans and request a full discharge due to a serious breach of my personal and financial information. Below are the key reasons for my request : Violation of the Family Educational Rights and Privacy Act ( FERPA ) ; My student records were disclosed without my consent, violating FERPA 's strict confidentiality protections.

Breach of the Privacy Act of 1974 My personal and financial information was improperly accessed and shared without my authorization on my privacy rights under federal law.

Violation of the Higher Education Act As a student loan borrower, my information should have been protected, but the mishandling of my data demonstrates a failure to uphold these legal protections. 

Breach of Contract and Negligence The entity responsible for safeguarding my data failed to do so, putting my financial security at risk and unauthorized disclosure to third parties.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$860.00} INQUIRIES : XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-15 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: LA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-05-15 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX  Attn : Billing Inquiries Comenity Capital Bank XXXX XXXX XXXX XXXX, OH XXXX Re : Notice of disputed charge to Account No. XXXX Dear Billing Inquiries Division : I am writing to dispute a charge of {$760.00} to my credit card account on XX/XX/XXXX. The charge is in error because the purchase from XXXX was flagged as suspicious by Comenity Capital Bank. 
The computer laptop purchase was never delivered and was not credited back to my credit card. 
I made a payment of {$50.00} on XX/XX/XXXX in error. 
The credit account now shows a total payoff balance of {$1000.00} and when you add the additional {$50.00} XX/XX/XXXX payment I am owed a total of {$1100.00} as of XX/XX/XXXX. 
I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, that I get an accurate statement and my credit report be updated to remove any negative payment information from Comenity Capital Bank. 
Enclosed are copies of the following information to substantiat by dispute : ( XXXX ) Original Invoice created by XXXX showing the purchase was made using my XXXX XXXX invoice created during purchase on the XXXX website [ describe any enclosed information, like receipts, payment records, or documentation of shipment or delivery dates ] supporting my position and experience. Please correct the error on my account promptly. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief