vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-23 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: CA

Complaint narrative:
I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.

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 2025-03-23 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: PA

Complaint narrative:
I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed. 
XXXX XXXX Date Opened : XX/XX/XXXX {$890.00} XXXX XXXX  XXXX Date Opened : XX/XX/XXXX {$4000.00} XXXX XXXX  XXXX Date Opened : XX/XX/XXXX {$2200.00} XXXX XXXX Date Opened : XX/XX/XXXX {$2400.00XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX {$6300.00} XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: Nelnet, Inc.
State: CA

Complaint narrative:
I am submitting a formal complaint against DEPT OF EDUCATION/XXXX  regarding inaccurate information reported on my credit file. The details in question have not been properly verified, substantiated, or documented as accurate and compliant. 

I have identified disputed entries on my credit report, and as a consumer, I am entitled to request the timely correction and update of this accounts status under my federal and state consumer protection rights. This complaint is being filed to ensure the reported information complies with the procedures outlined in FACTA Title 1, Section 151.

DEPT OF EDUCATION/XXXX XXXX Balance : {$5300.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXXXXXX Balance : {$1800.00} Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My letters of disputes are dated XX/XX/XXXX. XXXX, XXXX, and XXXX. Someone from Experian signed my certified letter that they received my disputes on XX/XX/year>, at XXXX. On XX/XX/year>, I was notified that my dispute was complete. After looking at my dispute, I see that they only have that I disputed five things. They do not have my personal information neither my inquiry disputes listed. Inside of my online Experian portal they listed the five things as either verified and updated, updated or remains. However, Experian did not prove me with any validation or method of validation as requested. I have no idea on how they were able to verify and update or leave any information on my accounts without showing me how they claim to that conclusion. I have been asking Experian for months now to do so and still to this date, I have not received anything. My next step after this is to file a small claims on the company. The accounts in question are 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 Collections accounts in question XXXX XXXX XXXX, and XXXX XXXX XXXX  To remove all accounts from my report that they can not verify as mine with the proper information and verification I am fully aware of the e-OSCAR system and the loopholes it allows credit bureaus to exploit in order to avoid conducting a proper investigation and any automated response or e-Oscar verification is unacceptable.

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 2025-03-23 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: CA

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after XXXX  days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section XXXX ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

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 2025-03-23 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: FIRST NATIONAL BANK OF OMAHA
State: NY

Complaint narrative:
I was charged {$50.00} on my FNBO credit card back on XX/XX/year> from the XXXX in XXXX. I disputed this. They said they would remove it but then reversed it. I asked for a signed copy of the CC form. They never sent it. They opened a case for it, assigned it a case number but have never responded to my numerous attempts to discuss this. I have sent several letters to them, e-mails, and made several calls to them but never get to speak to a person that can help me get this resolved. All they do is transfer me from one person to another. I even sent them a certified letter which I know they received but have heard nothing. I also sent letter to two of the executives only to be ignored. Since I refused to pay the {$50.00} they have added late fees and interest to this amount. the bank has also turned me in to the consumer reporting agencies as being late which as adversely affected my credit rating.I have all paperwork related to this including my bank statements and other related paperwork. I'd be glad to send you what I have sent them.

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 monetary relief
Consumer complaint received 2025-03-23 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Veros Credit, LLC
State: TN

Complaint narrative:
Subject : Complaint Against Veros Credit XXXX XXXX XXXX and Payment Issue Description : I am filing this complaint against Veros Credit due to a repeated issue with my auto loan account. On XX/XX/year>, I paid the remaining balance of {$150.00} on my account ( # XXXX ), bringing the balance to {$0.00}. The due date for this payment was XX/XX/year>, but I paid early to ensure my account remained current. 

However, on XX/XX/year>, my account unexpectedly showed a full car payment due once again. The automated system also confirmed this incorrect balance when I called in. I have proof of payment and screenshots showing that the balance was XXXX as of XX/XX/year>. 

This issue follows a previous XXXX XXXX  of my vehicle on XX/XX/year>, despite my payment being made on time. That incident caused significant distress and financial burden, as I was forced to pay fees to retrieve my vehicle. 

I have attempted to resolve this current issue by contacting Veros Credit via email on XX/XX/year>, and I plan to follow up by phone as soon as their office opens. I am deeply concerned that this incorrect balance may result in a negative impact on my XXXX XXXX, which is already a priority for me to rebuild. 

I am seeking the following resolutions : XXXX. XXXX correction of my account balance to reflect the {$0.00} balance as of XX/XX/year>. 


XXXX. Confirmation that my account will not be reported late to the credit bureaus. 


XXXX. XXXX that Veros Credit will take steps to prevent similar errors in the future. 



I am including screenshots and payment confirmations as evidence of my timely payment and the erroneous balance. 

Thank you for your assistance in resolving this matter. 

Contact Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-23 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Bright Capital Inc
State: NY

Complaint narrative:
This is a request to COMPLETE the last complaint with Bright Money # XXXX This matter was considered closed because Bright Money finally applied a PAYOFF CHECK that was received on XX/XX/XXXX on XX/XX/XXXX AFTER I filed a complaint. What they failed to do was RETURN the overpayment of {$230.00} + XXXX XXXX since XX/XX/XXXX. 

Again, I am requesting that difference be expedited!! Granted, {$230.00} doesn't sound like much, but to US it means food and meds so am appealing to the INTEGRITY of this Company to STOP the Bureaucratic BS and do the right thing! Times are tough enough!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Dear United States of America Department of Attorney General XXXX XXXX XXXX, I am writing to formally dispute a fraudulent auto loan appearing on my credit report. This unauthorized loan was obtained using my Social Security number ( SSN ) without my knowledge or consent. A copy of my credit report highlighting this inaccurate entry is attached for your review. 

This incident represents a serious breach of my personal information and is causing significant financial distress. I request an immediate investigation into this matter and the prompt removal of the fraudulent loan from my credit report. 

In addition to the fraudulent auto loan, I wish to bring to your attention a separate data breach incident. On XX/XX/year>, I received emails from XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX informing me of a class-action lawsuit related to a server hack. This breach, reportedly involving XXXX and XXXX XXXX software, exposed proprietary consumer account information, including data linked to my XXXX, on the dark web. This compromise has resulted in further unauthorized debts being added to my accounts. I believe this data breach is directly related to the fraudulent auto loan and the unauthorized charges, violating my privacy rights as protected by the Federal Trade Commission. Also, I saw the last four digits of my Social Security numbers in the XXXX XXXX application at a XXXX XXXX franchise. 


I require a comprehensive explanation of how my SSN was compromised and what preventative measures are being undertaken to safeguard against future data breaches and fraudulent activity. I also expect a clear timeline for the resolution of both the fraudulent auto loan issue and the rectification of the ALL debts, private, personal, Federal, etc. incurred as a result of the data breach. 

Sincerely, 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 2025-03-23 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: AR

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 2025-03-23 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: TX

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 explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: PA

Complaint narrative:
Dispute of Unlawful Interest Charges on Consolidated Student Loans To Whom It May Concern, I am writing regarding a complaint about ongoing interest charges on my consolidated student loans when attending the XXXX XXXX XXXXXXXX, which are now managed by MOHELA. I have recently received notifications via XXXX XXXX indicating that interest is still accruing on these loans despite the government-mandated Income-Driven Repayment ( IDR ) adjustment freeze. I believe this violates my rights as a borrower under federal law.

Legal Basis for Dispute Violation of the Higher Education Act of 1965 ( 20 U.S.C. 1087e ( b ) ) The Higher Education Act establishes borrower protections, including interest suspensions during designated forbearance periods and government-mandated freezes. The Department of Education announced a freeze on IDR adjustments, which should include halting interest accrual during this period. 

By continuing to charge interest, MOHELA fails to comply with these borrower protections outlined in the HEA.

Violating the Administrative Procedure Act ( 5 U.S.C. 500 et seq. ) Under the Administrative Procedure Act, federal agencies like the Department of Education must follow established procedures when implementing policy changes that affect borrowers. The decision to pause IDR adjustments was intended to protect borrowers during the evaluation process. Continuing to charge interest during this period contradicts the protective measures provided to borrowers and undermines my legal rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: IL

Complaint narrative:
Upon viewing my credit report I have noticed several errors and inconsistencies on my consumer report. I have substantial doubt and I would like to have my account updated as paid instead of being late. 
( MyXX/XX/XXXX ) account shows 30days late for XXXX on Equifax when other 2 bureaus show current for XXXX. 
( My XX/XX/XXXXXXXX ) account shows 30 days late for XXXX on Equifax when other 2 bureaus show current for XXXX. 
( My XX/XX/XXXX ) account shows 30 days late for XXXX on Equifax when other 2 bureaus shows current. 
( MyXX/XX/XXXX ) account shows 30 days late for XXXX & 60 days late for XXXX which is not accurate with the other 2 bureaus

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 2025-03-23 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: CA

Complaint narrative:
I am resending this complaint to TRANSUNION regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. 

I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed. 

XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$5300.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX Balance : {$1800.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$11000.00} Date Opened : 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 2025-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
Fair Collections & Outsourcing reports debt alleged to be mine. The company fails to provide a verification of debt letter as required upon request, nor furnished a signed contract and/or addendum related to any contracts I have signed. The company also fails to provide any contract which may have been assigned.

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