vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-14 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX ( XXXX ) XXXX. XXXX XXXX ( XXXX ) High Inquieres : XXXX. XXXX XXXX ( XX/XX/year> ) XXXX. XXXX XXXX  ( XX/XX/year> ) As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TransUnion Credit Bureau has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-03-14 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: Nelnet, Inc.
State: GA

Complaint narrative:
XXXX and XXXX Musk illegally gained access to my personal and financial data which violates XXXX. I strongly believe that they are using our data for non-transparent reasons, and to possibly profit or benefit from it. XXXX  needs to be held accountable for their illegal access of my private information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I made a payment to my credit card that inadvertently was XXXX cents short. I was charged {$48.00} for the month and then an additional {$170.00} for the following month because I didn't make a full payment. I called Customer Service initially and spoke to a representative and then XXXX Supervisors but nothing could be done. I was told to contact the CEO ( which I did ) and they responded that nothing could be done. I contacted XXXX XXXX XXXX. Commissioner of Insurance with the State of XXXX  XXXX  in early XXXX of XXXX  and spoke to XXXX ( a Consumer Guide ) on XX/XX/2025. She also emailed me my initial letter to the XXXX of XXXX  XXXX  as well as their response. Since it was not a XXXX XXXX, they recommended that I contact you for assistance. I have the documentation that I can attach to this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: AL

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 2025-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: MA

Complaint narrative:
My personal and financial information was compromised without my authorization. 
The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach clearly violates FERPA and your responsibility to safeguard my information.

Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: IL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX XXXX Equifax XXXX XXXX XXXX XXXX, XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX. XXXX RE : Late Payment Notice to Agent is Notice to Principal, and Notice to Principal is Notice to Agent Dear TransUnion, Equifax & Experian, I have reviewed my consumer reports and noticed an alleged late payment has been reported. I am writing to address this inaccurate and incomplete information, as I believe this late payment was incorrectly reported.

Failure to Comply with the FCRA and TILA Under 15 U.S.C. 1666b, a creditor is prohibited from reporting a payment as late unless specific procedures are followed, including : The periodic statement must be sent to the consumer with all required information under 15 U.S.C. 1637 ( b ).

The statement must be mailed or delivered to the consumer no later than 21 days before the payment due date.

I request that you provide proof of compliance with these requirements, including : 1. Proof that the periodic statement was sent to me, including any tracking numbers for mail delivery or email receipt.

2. Confirmation that all required information under 15 U.S.C. 1637 ( b ) was included in the statement.

3. Evidence that the statement was mailed or delivered at least 21 days before the payment due date.

Without this evidence, the creditor can not lawfully report a payment as late.

Accuracy of Information - 15 U.S.C. 1681 ( e ) and 15 U.S.C. 1681s-2 ( 7 ) Under 15 U.S.C. 1681 ( e ), when preparing a consumer report, a consumer reporting agency must follow reasonable procedures to ensure the maximum possible accuracy of the information being reported.

In addition, 15 U.S.C. 1681s-2 ( 7 ) requires that the furnisher of negative information must provide specific notices to the consumer reporting agencies before reporting negative information. I request that you provide evidence that the furnisher of the alleged late payment followed these procedures before the information was reported to my consumer report.

Request for Deletion If you are unable to provide the necessary proof of compliance with 15 U.S.C. 1666b, 15 U.S.C. 1681 ( e ), and 15 U.S.C. 1681s-2 ( 7 ), I request that you delete the following alleged late payments from my consumer reports : XXXXXXXX XXXX XXXXXXXX Account # XXXX I expect that you will fully investigate this matter and provide a response within the time frame required by law. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: I.C. System, Inc.
State: FL

Complaint narrative:
XXXX  XXXX XXXX received in writing that a debt they are attempting to collect was not legitimate and a request for disclosure proof was not received. XXXX has a recording of their employee telling me I owed no additional funds for the closure of my account. They legally require you to confirm via a recorded line that you are closing your account. This is so the can disclose your finale balance. They refuse to produce said calling and illegally debited the change of this illegal debt from my account. I filed a federal complaint against illegally debiting my account against XXXX and was told to press charges. Also the original debt was from XXXX  they are outside of the legal time frame to collect this debt.

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 2025-03-14 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: SC

Complaint narrative:
On XX/XX/year> We received an unsolicited telephone call from XXXX  XXXX  XXXX, XXXX XXXX XXXX. 
XXXX XXXX, XXXX, CA XXXX. 
The XXXX 's name was XXXX and was soliciting an application for a XXXX XXXX XXXX for our residence. I explained We were NOT interested because our present interest rate was 5.25 %. XXXX said he could not beat or match that rate but he would work on some figures for a XXXX mortgage. 
I replied XXXX XXXX XXXX a Hard Credit Report from Experian XXXX XXXX XXXX both Me and My wife XXXX XXXX XXXX 
Neither of us granted permission for this XXXX XXXX Report. 
I notified Experian XXXX XXXX of the XXXX and was told they can not remove it. I called the Customer Service of New American Lending and spoke with XXXX on XX/XX/XXXX. I explained my grievance and he assured me the XXXX would be retracted. 
XXXX called me back on XX/XX/XXXX, and said He spoke to XXXX. XXXX told XXXX did receive permission from Me and my XXXX, XXXX, to pull a credit report. XXXX believed XXXX and said He can not /will not retract their Inquiries.

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 2025-03-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: IN

Complaint narrative:
I did a dispute with XXXX XXXX and they removed it from my credit and sold it to another debt collector XXXX who sent me a text today I am really upset

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 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I'm sending letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying XXXX using a XXXX party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or XXXX party. 

I demand these companies to handle the items expeditiously based on the reasons that I put in my letters and update all XXXX credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney. items I disputed in my letters

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 2025-03-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SOFI TECHNOLOGIES, INC.
State: UT

Complaint narrative:
Subject : Reporting Unfair Debt Collection Practices Dear Consumer Reports Team, I am writing to draw attention to an issue regarding unfair debt collection practices that I have experienced. It is important for consumers to be informed about how debt collectors operate and what rights they have under the Fair Debt Collection Practices Act ( FDCPA ). 

I encountered unauthorized charges on my credit card from XXXX. I called XXXX in XX/XX/XXXX to report these charges, stating that my card had already been lost. They credited those charges in XX/XX/XXXX, but in XX/XX/XXXX, they charged me back. They did not provide any documentation regarding this issue. After several follow-up calls, they only sent me a few receipts for charges from different merchants and then stopped responding. 

This experience has significantly impacted my financial well-being and raised concerns about how debt collection agencies operate. I believe that increased awareness and guidance from Consumer Reports could help others find themselves in similar situations.

I appreciate the work Consumer Reports does in advocating for fair consumer practices, and I hope this issue can be investigated further. Please let me know if you need any additional details. Thank you for your time and consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: IL

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt. V Gravens ( mo ) 281 SW715.719 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 the defamation of character. ) XXXXXXXX XXXX XXXX Balance {$0.00}, XXXX XXXX Balance {$4800.00}, XXXX XXXX XXXX  balance {$1900.00}, XXXX XXXX balance {$440.00}, XXXX XXXX XXXXXXXX balance {$4900.00}, XXXX  XXXX XXXX  balance {$1400.00}, XXXX XXXX XXXX  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 non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: FREEDOM FINANCIAL NETWORK
State: CA

Complaint narrative:
The company was supposed help pay my credit cards and I put {$8600.00} to and account to help pay my credit cards but they did not so I need help to get my money back Thank You

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-14 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-03-14 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: NV

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 : XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$2600.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$900.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$1200.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$11000.00} INQUIRIES : XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-03-14 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: TN

Complaint narrative:
XXXX XXXX, an unelected government agent without security clearance, and the agency XXXX accessed my data illegally and without my consent. All reporting of student loans, or any loans from the government, can not be trusted and should be considered invalid after this illegal tampering.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Dear Sir/Madam, Subject : Request for Assistance under the Fair Credit Reporting Act ( FCRA ) I am writing to formally request assistance regarding an issue with my credit report that I believe may be in violation of the Fair Credit Reporting Act ( FCRA ). I have reviewed my credit report and noticed discrepancies/errors that I believe need to be addressed. 

The specific issues are as follows : Failed to validate report. Fraudulent never had debt with this company XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$3.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$3100.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX  Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$3.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX {$3600.00} Balance updated XX/XX/XXXX I have already attempted to resolve this matter by asking them to provide contract this this account but they did not send information. but the issue remains unresolved. 

I kindly request that the CFPB look into this matter and provide guidance on how to proceed in accordance with the FCRA to ensure my rights are protected. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: MA

Complaint narrative:
XXXX XXXX  and his XXXX  team have unlawfully access my private information along with others, breaking the loan contract. Action must be taken to compensate for the breach of contract. If the contract is broken, the loan is no longer valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: Maximus Federal Services, Inc.
State: OK

Complaint narrative:
The terms of my student loan contract have been broken. XXXX XXXX and DOGE, who should not have access to my data, were given access to my data without my clearance. Therefore I am requesting that my federal student loans be forgiven.My loans are currently serviced through aidvantage

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: TX

Complaint narrative:
This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities. 

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report. 
Provide written results of your reinvestigation within the XXXX timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. '' Accounts highlighted in green represent inaccurate payment history and must be corrected immediately. Accounts marked in yellow as charge-offs violate FDCPA Section 807 due to false and misleading reporting. These, along with any incorrect personal information, must be deleted immediately from my credit profile.

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 2025-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
KINDLY HELP ME. I'M GETTING STRESSED UP EVERY TIME I SEE THESE FRAUDULENT BANKRUPTCY RECORD. I WANT THESE TO BE PERMANENTLY REMOVED OFF 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 non-monetary relief
Consumer complaint received 2025-03-14 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: SC

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 non-monetary relief