vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-16 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: Nelnet, Inc.
State: FL

Complaint narrative:
Formal Complaint Against Nelnet Servicing of Federal Student Loans To Whom It May Concern, This is a formal complaint regarding the servicing of my federal student loans by Nelnet. The attached documentation demonstrates numerous issues including misapplication of payments, excessive capitalization of interest, improper use of forbearances, and inaccurate account balances. These practices have caused financial harm and are in violation of fair servicing standards. 
Summary of Complaint - Payments were applied incorrectly, with funds going primarily to interest rather than principal. 
- Nelnet placed loans into repeated forbearances without proper explanation, increasing balances unnecessarily. 
- Capitalized interest and outstanding balances far exceed original loan amounts, indicating improper servicing. 
- Records show disbursements of {$5900.00} and {$1300.00}, yet current balances have ballooned to over {$10000.00}. 
- Administrative forbearances, including ones labeled 'identity theft, ' were applied inappropriately. 


Requested Resolution I respectfully request the following : 1. A full investigation into Nelnets servicing of my loans.

2. Correction of account balances to accurately reflect payments made and original loan amounts.

3. Removal of improperly applied forbearances and capitalized interest.

4. Assurance that future payments are applied correctly to principal and interest. 
5. Appropriate regulatory action to prevent further harm to borrowers. 
Exhibits Exhibit A : Signed Federal Direct XXXX XXXX  XXXX Promissory Note. 
Exhibit B : Nelnet Account Summary showing inflated balances.

Exhibit C : Loan Disbursement Details confirming original loan amounts.

Exhibit D : Loan Transaction Histories showing improper forbearances and payment misapplications. 
Exhibit E : Forbearance History records including improper 'hardship ' and 'identity theft ' notations. 


Thank you for your attention to this matter. I am requesting urgent review and resolution. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: IL

Complaint narrative:
MULTIPLE INQUIRIES I DONT NOT HAVE KNOWLEDGE OF ARE REPORTING TO MY CREDIT FILE

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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello I sent dispute letters to all 3 bureas via usps certified mail and it was received on XX/XX/XXXX. 
I gave it 15 days then called to ask if the letters was processed.

they told me that the didn't accept 3rd party letters. I told them that I was the person that sent it and they said they would do an investigation but every time I check on the status they give me the run around.

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 2025-08-16 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:
I am submitting this complaint because Equifax continues to report inaccurate and damaging information on my credit report, even after I have filed disputes. For example, XXXX XXXX  Account # XXXXXXXX XXXX XXXX Date Opened XX/XX/year>, Balance {$0.00XXXX XXXX XXXX is being reported with late payments even though the balance is XXXX and the account should not show derogatory activity. In addition, XXXX Account XXXX XXXX XXXX XXXX Date Opened XX/XX/year>, Balance {$420.00XXXX XXXX XXXX is inaccurately being reported as a charge-off, which is misleading and incorrect. 

Equifax is also showing an incorrect personal address, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, which has no connection to me and should never have been associated with my file. This false information not only misrepresents my credit history but also creates confusion about my identity.

These reporting practices are in direct violation of the Fair Credit Reporting Act ( FCRA ) Sections 607 ( b ) and 609, which require Equifax to ensure maximum possible accuracy and to properly reinvestigate disputed information. By continuing to display these errors, Equifax is harming my creditworthiness and my ability to access fair credit and financial opportunities.

I request that the CFPB investigate Equifaxs handling of my disputes and compel them to delete or correct these items. Specifically, I want the late payment reporting removed from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the inaccurate charge-off corrected for XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the false address XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX permanently deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I received a collection notice from LVNV Funding, LLC regarding an alleged debt. On XXXX, XXXX, I sent a written request for full validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ). I disputed the account and requested proof of ownership, a complete accounting, and documentation showing their legal standing to collect. 

As of now, LVNV has not provided the required validation. I am requesting CFPB assistance to ensure LVNV Funding, LLC either provides full validation or ceases collection and updates my credit report to reflect the debt as disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation
State: FL

Complaint narrative:
on XX/XX/year> a debt collector on behalf of XXXX XXXX  my loan debt is {$1000.00} i explan to them iam on a fix income also iam XXXX i cant afford to repay this debt iam poor 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 2025-08-16 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the XXXX  data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

Account name XXXX XXXX XXXX Account number XXXX Account type Business Card Date opened XX/XX/year> Balance {$0.00}

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 explanation
Consumer complaint received 2025-08-16 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: MD

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. 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 explanation
Consumer complaint received 2025-08-16 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/XXXX I was charged {$680.00} for a charge at XXXX XXXX. 

This transaction wasn't made by me or anyone allowed to use this account. 

I contacted Citi bank several times over the past XXXX years to report this fraud and follow up on the progress, spending hours being bounced around to different departments. 

The case is still pending with the Security department and I havent received an update since 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 monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Client Services, Inc.
State: NJ

Complaint narrative:
am submitting this complaint regarding Client Services , Inc., a company attempting to collect a debt from me while not being licensed to operate as a debt collection agency in New Jersey. 
Debt Collector Name : Client Services , Inc . 
Account Number : XXXX Address ( if known ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX of Complaint : Attempted collection of a debt in New Jersey without a valid state license. 

Under XXXX Stat. Ann. 45:18-1 et seq. ( Collection Agency Licensing Act ), all debt collectors must obtain a license through the XXXX XXXX XXXX XXXX XXXX before conducting collection activity within the state. Client Services , Inc. does not appear in the Departments list of licensed collection agencies. 

Despite this, they have contacted me to demand payment and have reported negative information to credit reporting agencies. I believe this constitutes a violation of both XXXX XXXX law and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

I respectfully request that the Department investigate this matter, take any appropriate enforcement action, and confirm whether Client Services , Inc. is operating unlawfully in XXXX XXXX 

I have enclosed a copy of the letter I have sent to the company demanding that they cease collection activities and remove all credit reporting related to this account. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I'm filing this complaint against a debt collection company called Portfolio Recovery Associates , LLC, a debt collector and junk debt buyer regarding inaccurate information they furnished on my consumer report. I called their agency on XX/XX/year> just to verify the information they reported on my consumer reports with the 3 consumer reporting agencies. I found that there was some information that the representative provided to me that did not match what was being reported to my consumer reports, so I disputed the information. I specifically disputed the completeness and accuracy of the date of last payment, date of first delinquency, payment history, and the account 's open date, and a few other items of information. After these disputes were submitted on or about XX/XX/year>, the inaccurate information returned verified in or around XX/XX/year>. This indicated to me that if a representative of their company is telling me one thing, but is reporting something totally different compounded with the inaccurate information being disputed and verified as accurate, it is evident that no reasonable investigation was done on this account. To say the least this may be an act of negligence for violating section 1681s-2 ( b ) under the Fair Credit Report Act. Additionally, this outcome may have triggered violations under the Fair Debt Collection Practices Act section 1692e in parallel. Under the FCRA unverifiable information is required to be updated, deleted, or blocked and in this case considering the disputed information was verified while being false, the true action that was required to take place was to delete the information from my consumer reports. Verifying inaccurate information on consumer reports with willful or negligent behavior is considered false and misleading representations under the Fair Debt Collection Practices Act because it is deceptive behavior being exhibited for the purpose of debt collection overall.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: NC

Complaint narrative:
i am writting to formally report identity theft and request the removal of inaccurate fraudulent negative and outdated items and incorrect addresses from EXPERIAN EQUIFAX TRANSUNION XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX all consumer credit reporting agencies that is in result of identity theft being exposed to multiple data breaches according to my rights under the fair credit reporting act SECTION 623 ( a ), SECTION 605 ( b ), i an entilted to dispute and correct any erroneous information that adversely affects my credit standing. Also I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above/below, ATTACHED TO FTC REPORT . According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. 
As per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ), your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts The fraudulent activity has severely impacted my credit and i seek prompt resolution to rectify this situation with the removal of the fraudulent accounts listed

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 2025-08-16 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: NY

Complaint narrative:
Equifax is reporting two XXXX XXXX collection accounts I dont recognize. I disputed and asked for validation ( original signed agreement and account records ), but Equifax marked them verified without providing documentation. As a protective measure, Im disputing possible reporting errors. 
Items : XXXX XXXX opened XX/XX/XXXX for ~ {$1200.00} ; XXXX XXXX opened XX/XX/XXXX ( balance unknown ). Please provide validation or remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NCB Management Services Inc.
State: IL

Complaint narrative:
I am filing a complaint regarding NCB Management Services and Experian. I disputed a collection account that originated from an auto loan with XXXX XXXX. During the XXXX pandemic, my employment became inconsistent and ultimately ended, which led to financial hardship. I voluntarily surrendered the vehicle because I could no longer afford it. 

The lender later sold the vehicle at auction, yet they are now pursuing the remaining deficiency balance. This account is being reported by both the original lender and the debt buyer, creating duplicate reporting and unfair damage to my credit profile. Despite explaining my situation, the account remains with a comment stating consumer disagrees. 

I believe this account is inaccurately reported and should be removed under FCRA guidelines. I am requesting the CFPB investigate this matter and ensure fair treatment of pandemic-related delinquencies and deficiency balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was reviewing my personal credit report and I can see that some body open a fraudulent credit card account under my name and this fraudulent account is hurting my credit and I demand this account were remove from my personal consumer report. ACCOUNT NUMBER XXXX FROM 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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: OH

Complaint narrative:
I am submitting this complaint regarding inaccurate credit reporting related to my bankruptcy. To be clear, I am not disputing the bankruptcy itself. My concern is that certain accounts are being incorrectly reported as discharged in bankruptcy when they were never included in my bankruptcy case.

I have made multiple attempts to correct this issue by contacting the credit bureaus, the furnishers, and LexisNexis ( which provides public record data ) on three separate occasions. Despite providing proper documentation, the inaccurate information remains on my credit reports. 


My disputes were submitted on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The following accounts are inaccurately reported as discharged in bankruptcy : CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Reporting on XXXX  as Account Number XXXX XXXXXXXX Reporting on XXXX  as Account Number XXXX Reporting on XXXX  as Account Number XXXX CREDITOR : XXXX  XXXX  Reporting on XXXX  as Account Number XXXX  These accounts were not listed in my bankruptcy schedules and were not discharged.

This inaccurate reporting violates multiple provisions of the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681e ( b ) Credit reporting agencies must ensure maximum possible accuracy of the information they report.

15 U.S.C. 1681i ( a ) Agencies must reasonably reinvestigate when a consumer disputes information.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishers may not report information they know or should know is inaccurate.

15 U.S.C. 1681s-2 ( b ) Furnishers must investigate and correct inaccurate information upon notice of a dispute.

The continued reporting of these accounts as discharged in bankruptcy is false and damaging to my creditworthiness.

Requested Action : Require the credit bureaus and/or the furnishers to provide documented proof that these accounts were included in my bankruptcy case.

If no such proof exists, require immediate removal of all inaccurate discharged in bankruptcy notations.

Consider enforcement action against any party failing to comply with the FCRA.

Supporting Documents Enclosed : Copies of my credit reports showing the inaccurate reporting My official bankruptcy creditor list Bankruptcy court documents confirming which accounts were included I have exhausted all reasonable efforts to resolve this matter directly, including attempts with the credit bureaus, the furnishers, and LexisNexis. This is the last attempt. If this issue is not corrected immediately, I will pursue all available legal remedies, including filing suit for violations of the Fair Credit Reporting Act, and seek statutory damages, attorney fees, and all other relief available under the law.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
XXXX is reporting XXXX Portfolio Recovery collection accounts I dont recognize. I disputed and asked for validation ( original signed agreement and account records ), but Equifax marked them verified without providing documentation. As a protective measure, Im disputing possible reporting errors. 
Items : Portfolio Recovery opened XX/XX/XXXX for ~ {$1200.00} ; Portfolio Recovery opened XX/XX/XXXX ( balance unknown ). Please provide validation or remove.

Company response to consumer: Closed with explanation