vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 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: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * Balance : {$7100.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$280.00}. 

Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Ceaseanddesistasap.

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 2025-06-05 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX ( mo ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for XXXX XXXX XXXX ) XXXX XXXX XXXX acct # 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 2025-06-05 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX ( mo ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for XXXX XXXX XXXX ) XXXX XXXX XXXX acct # 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 2025-06-05 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: MA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The Bureaus, Inc.
State: TX

Complaint narrative:
THE BUREAUS has violated my rights as a consumer and failed to properly investigate the inaccurate and incomplete information I disputed and they continued to collect on the debt while it was in dispute. They have violated 15 usc 1681s-2b for failure to conduct a proper investigation and considering all relevant information regarding the dispute. If this is not removed from my credit report I plan on taking them to arbitration using the original creditors agreement since I have the right to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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:
I am writing to formally dispute the accuracy of my monthly student loan repayment amounts calculated and administered by XXXX XXXX, XXXX under my Income-Driven Repayment ( IDR ) plan, as required by federal law.

This dispute is submitted pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Higher Education Act, and any applicable borrower protections outlined by the XXXX Department of Education. 

BASIS FOR DISPUTE I am enrolled in a federal IDR plan ( such as SAVE, REPAYE, PAYE, or IBR ), which sets my monthly student loan payments as a percentage of my discretionary income. However, I have reason to believe that XXXX has miscalculated my monthly payment amount, resulting in amounts that exceed the limits set by federal guidelines, and placing an undue financial burden on me. 
These concerns mirror the claims made in the class action lawsuit XXXX v. XXXX XXXX, XXXX ( XXXX. XXXX, XXXX XXXX. XXXX ), which alleges that XXXX grossly miscalculated repayment amounts under income-driven plans, violating federal law and borrower protections.

WHAT I AM REQUESTING In accordance with FCRA 1681i and 1681s-2, I am requesting the following : 1. A full recalculation of my monthly payment under the correct IDR formula, using my most recent adjusted gross income ( AGI ) and family size.

2. An itemized explanation of how my current monthly amount was determined, including the formula, income data, and poverty guidelines used.

3. A copy of my most recent recertification data, including IRS income retrieval records or tax documents you used.

4. Confirmation that any overreported amounts have not been furnished inaccurately to consumer reporting agencies, or immediate correction if they have.

5. A written update to reflect that this account is disputed by the consumer in all credit bureau reporting per XXXX XXXX compliance standards. 

RELEVANT LAWS & VIOLATIONS FCRA 1681e ( b ) : Requires maximum possible accuracy in credit reporting.

FCRA 1681s-2 ( b ) : Requires furnishers to investigate disputes and correct inaccurate information.

Higher Education Act & Department of Education IDR Guidance : Enforce specific rules around calculating borrower payments based on income and family size.

CARES Act & IDR Flexibilities : If applicable, any misreporting during COVID-19 forbearance periods may also violate federal protections.

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 2025-06-05 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: IL

Complaint narrative:
I am writing to formally dispute the accuracy of my monthly student loan repayment amounts calculated and administered by XXXX XXXX, XXXX under my Income-Driven Repayment ( IDR ) plan, as required by federal law.

This dispute is submitted pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Higher Education Act, and any applicable borrower protections outlined by the XXXX Department of Education. 
BASIS FOR DISPUTE I am enrolled in a federal IDR plan ( such as SAVE, REPAYE, PAYE, or IBR ), which sets my monthly student loan payments as a percentage of my discretionary income. However, I have reason to believe that XXXX has miscalculated my monthly payment amount, resulting in amounts that exceed the limits set by federal guidelines, and placing an undue financial burden on me. 
These concerns mirror the claims made in the class action lawsuit XXXX v. XXXX XXXX, XXXX ( XXXX. XXXX, XXXX XXXX. XXXX ), which alleges that XXXX grossly miscalculated repayment amounts under income-driven plans, violating federal law and borrower protections.

WHAT I AM REQUESTING In accordance with FCRA 1681i and 1681s-2, I am requesting the following : 1. A full recalculation of my monthly payment under the correct IDR formula, using my most recent adjusted gross income ( AGI ) and family size.

2. An itemized explanation of how my current monthly amount was determined, including the formula, income data, and poverty guidelines used.

3. A copy of my most recent recertification data, including IRS income retrieval records or tax documents you used.

4. Confirmation that any overreported amounts have not been furnished inaccurately to consumer reporting agencies, or immediate correction if they have.

5. A written update to reflect that this account is disputed by the consumer in all credit bureau reporting per XXXX XXXX compliance standards. 

RELEVANT LAWS & VIOLATIONS FCRA 1681e ( b ) : Requires maximum possible accuracy in credit reporting.

FCRA 1681s-2 ( b ) : Requires furnishers to investigate disputes and correct inaccurate information.

Higher Education Act & Department of Education IDR Guidance : Enforce specific rules around calculating borrower payments based on income and family size.

CARES Act & IDR Flexibilities : If applicable, any misreporting during COVID-19 forbearance periods may also violate federal protections.

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 2025-06-05 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: IL

Complaint narrative:
I am writing to formally dispute the accuracy of my monthly XXXX XXXX repayment amounts calculated and administered by XXXX XXXX, XXXX under my Income-Driven Repayment ( IDR ) plan, as required by federal law.

This dispute is submitted pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Higher Education Act, and any applicable borrower protections outlined by the XXXX Department of Education. 

BASIS FOR DISPUTE I am enrolled in a federal IDR plan ( such as SAVE, REPAYE, PAYE, or IBR ), which sets my monthly student loan payments as a percentage of my discretionary income. However, I have reason to believe that Nelnet has miscalculated my monthly payment amount, resulting in amounts that exceed the limits set by federal guidelines, and placing an undue financial burden on me.

These concerns mirror the claims made in the class action lawsuit XXXX v. XXXX XXXX, XXXX ( XXXX. XXXX, XXXX XXXX. XXXX ), which alleges that XXXX grossly miscalculated repayment amounts under income-driven plans, violating federal law and borrower protections.

WHAT I AM REQUESTING In accordance with FCRA 1681i and 1681s-2, I am requesting the following : 1. A full recalculation of my monthly payment under the correct IDR formula, using my most recent adjusted gross income ( AGI ) and family size.

2. An itemized explanation of how my current monthly amount was determined, including the formula, income data, and poverty guidelines used.

3. A copy of my most recent recertification data, including IRS income retrieval records or tax documents you used.

4. Confirmation that any overreported amounts have not been furnished inaccurately to consumer reporting agencies, or immediate correction if they have.

5. A written update to reflect that this account is disputed by the consumer in all credit bureau reporting per XXXX XXXX compliance standards. 

RELEVANT LAWS & VIOLATIONS FCRA 1681e ( b ) : Requires maximum possible accuracy in credit reporting.

FCRA 1681s-2 ( b ) : Requires furnishers to investigate disputes and correct inaccurate information.

Higher Education Act & Department of Education IDR Guidance : Enforce specific rules around calculating borrower payments based on income and family size.

CARES Act & IDR Flexibilities : If applicable, any misreporting during COVID-19 forbearance periods may also violate federal protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: MO

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-05 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: MO

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: IL

Complaint narrative:
I am writing to formally dispute the accuracy of my monthly XXXX XXXX repayment amounts calculated and administered by Nelnet Servicing , LLC under my Income-Driven Repayment ( IDR ) plan, as required by federal law. 
This dispute is submitted pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Higher Education Act, and any applicable borrower protections outlined by the U.S. Department of Education. 

BASIS FOR DISPUTE I am enrolled in a federal IDR plan ( such as SAVE, REPAYE, PAYE, or IBR ), which sets my monthly student loan payments as a percentage of my discretionary income. However, I have reason to believe that Nelnet has miscalculated my monthly payment amount, resulting in amounts that exceed the limits set by federal guidelines, and placing an undue financial burden on me. 
These concerns mirror the claims made in the class action lawsuit XXXX v. Nelnet Servicing , LLC ( XXXX. XXXX, XXXX XXXX. XXXX ), which alleges that Nelnet grossly miscalculated repayment amounts under income-driven plans, violating federal law and borrower protections.

WHAT I AM REQUESTING In accordance with FCRA 1681i and 1681s-2, I am requesting the following : 1. A full recalculation of my monthly payment under the correct IDR formula, using my most recent adjusted gross income ( AGI ) and family size.

2. An itemized explanation of how my current monthly amount was determined, including the formula, income data, and poverty guidelines used.

3. A copy of my most recent recertification data, including IRS income retrieval records or tax documents you used.

4. Confirmation that any overreported amounts have not been furnished inaccurately to consumer reporting agencies, or immediate correction if they have.

5. A written update to reflect that this account is disputed by the consumer in all credit bureau reporting per XXXX XXXX compliance standards. 

RELEVANT LAWS & VIOLATIONS FCRA 1681e ( b ) : Requires maximum possible accuracy in credit reporting.

FCRA 1681s-2 ( b ) : Requires furnishers to investigate disputes and correct inaccurate information.

Higher Education Act & Department of Education IDR Guidance : Enforce specific rules around calculating borrower payments based on income and family size.

CARES Act & IDR Flexibilities : If applicable, any misreporting during COVID-19 forbearance periods may also violate federal protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/year>2025, I submitted formal credit disputes via certified mail to Experian, Equifax, and TransUnion. I included identification, a list of inaccurate or unverifiable accounts, and a request for investigation under FCRA Section 611.

I received no response, no confirmation of investigation results, and the accounts remained unchanged on my reports without even being marked disputed by consumer. This violates FCRA XXXX ( a ) ( XXXX ). 
On XX/XX/year>2025, I mailed Method of Verification ( MOV ) letters via certified mail with return receipt to all three bureaus. I requested the name of the furnisher, method used to verify, and all documentation reviewed.

To date, I have received no communication or verification of these items, and the accounts remain reporting as if no investigation ever occurred.

I am requesting a full CFPB investigation into Experian, Equifax, and TransUnions failure to investigate, notify, or correct my report and I request that all unverifiable accounts be deleted.

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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX DOB : XX/XX/XXXX Dear Experian, XXXX XXXX  XXXX, XXXX, XXXX XXXX : Letter to Remove Inaccurate Credit Information Recently I looked at a copy of my credit report and noticed several incorrect accounts. 
Please remove the following accounts they were never opened by me : XXXX XXXX : Account number : XXXX Balance : {$1100.00} XXXX XXXXXXXX : Account number : XXXX Balance : {$440.00} Please remove one latepayment from this account, they payments were always made on time : XXXX XXXX Account number : XXXX XXXX Balance : {$130000.00} Please remove this incorrect inquiry : XXXX XXXX XXXX XX/XX/XXXX Please remove these incorrect address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-06-06 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: TX

Complaint narrative:
The collection account reported is fraudulent and the result of identity theft. I did not open or authorize this account. In compliance with FCRA 15 U.S.C. 1681c-2, I formally request its removal from my credit report. I have submitted the required documentation, including an Identity Theft Affidavit, government-issued ID, and a 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 2025-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I keep getting confused with debt agency I have no business with also receiving calls texts and emails all hours of the day and constantly getting calls I requested to cease on contacting me I have no business with them but they won't stop

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