vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: OH

Complaint narrative:
I am filing this complaint against Nelnet due to severe and unjustified negative credit reporting that has significantly impacted my financial standing. My credit report was recently updated to reflect over 20 late payment entries from Nelnet, which has caused my credit score to drop by over XXXX points. This action was taken without any prior notice, warning, or correspondenceI did not receive any emails, letters, or alerts informing me of this drastic change before it was reported to the credit bureaus. 

Additionally, I have become aware of an ongoing data breach involving student loan accounts, which raises serious concerns regarding unauthorized access to my personal and financial information raising concerns over a FERPA violation. Given this security lapse, I have reason to believe that my account records may have been compromised or altered without my consent.

I am in the process of purchasing a home and this has caused my loan to be halted until this is remedied. This has caused extreme financial distress and this error in reporting needs to be remedied immediately. I did not authorize any changes to my account status, and I no longer feel comfortable having my student loans serviced and reported to the credit bureaus under these conditions. 

Violations and Consumer Protection Rights 1. Failure to Provide Notice of Negative Credit Reporting - Under the Fair Credit Reporting Act ( FCRA ), loan servicers are required to provide accurate and fair reporting. I was not notified in advance that these accounts would be marked late, which denied me the opportunity to address any potential issues before they were reported. 

2. Possible Unauthorized Reporting and Account Compromise Due to Data Breach - The reported data breach involving Nelnet raises serious questions about the integrity of my loan accounts. If my data was exposed or manipulated, Nelnet may have incorrectly or fraudulently reported late payments that I did not actually incur.

3. Failure to Properly Investigate and Verify Account Status - Given the security risks and errors in reporting, I request full verification and documentation proving the legitimacy of the late payments, including a detailed account history showing how and when they were marked late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account with EXTRA was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed. b They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date.

EXTRA never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This morning, I was extremely frustrated to find an unauthorized inquiry on my credit report with no explanation. I check my report regularly, and this sudden discrepancy is deeply concerning. I even refreshed the page thinking it might be a glitch, but the issue stayed. I need this resolved immediately, and I demand a thorough review of the documents Ive already submitted so I can stop stressing over this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: TX

Complaint narrative:
Earlier today, I noticed some errors on my credit report that I cant explain. I check my report often, and this is the first time such discrepancies have appeared. I thought it might be a glitch and refreshed the browser, but the incorrect accounts were still there. Therefore, Im asking for a thorough review of the documents I submitted so I wont have to worry about this issue again.

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 2025-04-11 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:
When I checked my credit report today, I was surprised to find inaccurate accounts listed. I check it regularly and havent seen these before. I tried reloading the page, hoping it was just a temporary error, but nothing changed. Thats why Im requesting a detailed examination of the documents I provided to ensure this issue is resolved and doesnt cause further concern.

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 2025-04-11 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: AZ

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 Equifax, 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 2025-04-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: IN

Complaint narrative:
I am writing to follow up on my previous dispute regarding a collection account inaccurately reported by Transworld Systems Inc. ( TSI ), related to an alleged debt originally associated with XXXX XXXX XXXX This account remains listed as a collection on my credit report despite TSIs written confirmation that : TSI has contacted the credit bureaus with which it does business with its request to delete TSIs listing of the above-referenced account from your credit profile This account continues to negatively impact my credit profile, and its presence constitutes continued collection activity, which violates FDCPA Section 809 ( b ). As outlined in XXXXXXXX XXXX XXXX XXXX ( No. XXXX XXXX, XXXX XXXX 2004 ), furnishing information to a credit reporting agency constitutes active collection and may not continue without proper and complete validation of the debt. 

To date, I have not received the full and sufficient validation required under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), despite requesting specific documentation, including but not limited to : A copy of the signed agreement obligating me to pay, The complete payment and transaction history, Proof of ownership/assignment of the debt by Transworld, Any identifying information confirming this debt is mine. 

Additionally, under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), any inaccurate or unverified information must be promptly corrected or removed from a consumers credit file. The continued reporting of this account is a violation of my rights under both federal laws. 

I am demanding that this account be permanently removed from all credit reporting agencies and that I be notified in writing when this correction has been completed. If this issue is not resolved promptly, I will have no choice but to escalate this matter through legal action and formal complaints to the FTC, CFPB, and state attorney general. 

I request a written response confirming the resolution of this matter and full deletion of the erroneous account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: TX

Complaint narrative:
The family educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This is a clear violation of FERPA and your responsibility to safeguard my information.

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 2025-04-11 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:
The family educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This is a clear violation of FERPA and your responsibility to safeguard my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The family educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This is a clear violation of FERPA and your responsibility to safeguard my information.

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 2025-04-11 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: PA

Complaint narrative:
I am writing to escalate my formal complaint regarding Equifaxs continued inaccurate reporting of the account listed below, and their gross failure to comply with their obligations under the Fair Credit Reporting Act ( FCRA ) : Creditor Name : XXXX XXXX, XXXX XXXX Response : Verified that this item belongs to you. 

This response is completely unacceptable, particularly considering that no supporting documentation has been provided to establish that the alleged account is valid, accurate, or legally attributable to me. Equifax failed to conduct a proper investigation and clearly rubber-stamped a generic response in bad faith. 

Let me be perfectly clear : I do not owe this alleged debt, and Equifax has knowingly continued to report inaccurate, damaging information on my credit file without verifying any contractual agreement or documentation bearing my signature.

Due to Equifaxs continued negligence, I have suffered substantial emotional distress, financial harm, and reputational damage, including : Denial of credit and financial opportunities Increased interest rates due to lowered credit score Emotional distress and anxiety Time and resources wasted disputing false information repeatedly This is a clear violation of the FCRA under 15 U.S. Code 1681i failure to conduct a reasonable reinvestigation, and potentially 15 U.S. Code 1681n/o, entitling me to seek statutory damages, actual damages, punitive damages, a
nd legal costs.

I am demanding the following : 1. A full and independent reinvestigation of this account with a copy of any documentation Equifax relied upon to verify this tradeline.

2. Immediate removal of the inaccurate item from all credit reports unless verified with legally admissible evidence.

3. Referral of this matter to the CFPBs enforcement division for further investigation.

4. Consideration of monetary damages and/or enforcement actions against Equifax for repeated noncompliance and consumer harm.

I expect immediate action, and I request a written response outlining the steps the CFPB will take to address this issue. If this matter is not resolved promptly and equitably, I am prepared to pursue legal remedies

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 2025-04-11 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: PA

Complaint narrative:
I am writing to escalate my formal complaint regarding Equifaxs continued inaccurate reporting of the account listed below, and their gross failure to comply with their obligations under the Fair Credit Reporting Act ( FCRA ) : Creditor Name : XXXX XXXX, XXXX XXXX Response : Verified that this item belongs to you. 

This response is completely unacceptable, particularly considering that no supporting documentation has been provided to establish that the alleged account is valid, accurate, or legally attributable to me. Equifax failed to conduct a proper investigation and clearly rubber-stamped a generic response in bad faith. 

Let me be perfectly clear : I do not owe this alleged debt, and Equifax has knowingly continued to report inaccurate, damaging information on my credit file without verifying any contractual agreement or documentation bearing my signature.

Due to Equifaxs continued negligence, I have suffered substantial emotional distress, financial harm, and reputational damage, including : Denial of credit and financial opportunities Increased interest rates due to lowered credit score Emotional distress and anxiety Time and resources wasted disputing false information repeatedly This is a clear violation of the FCRA under 15 U.S. Code 1681i failure to conduct a reasonable reinvestigation, and potentially 15 U.S. Code 1681n/o, entitling me to seek statutory damages, actual damages, punitive damages, a
nd legal costs.

I am demanding the following : 1. A full and independent reinvestigation of this account with a copy of any documentation Equifax relied upon to verify this tradeline.

2. Immediate removal of the inaccurate item from all credit reports unless verified with legally admissible evidence.

3. Referral of this matter to the CFPBs enforcement division for further investigation.

4. Consideration of monetary damages and/or enforcement actions against Equifax for repeated noncompliance and consumer harm.

I expect immediate action, and I request a written response outlining the steps the CFPB will take to address this issue. If this matter is not resolved promptly and equitably, I am prepared to pursue legal remedies

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 2025-04-11 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: OH

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: NY

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 XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to dispute unauthorized hard inquiries that have appeared on my credit report. I did not authorize these credit pulls, nor did I apply for credit with the companies listed. 
Under the Fair Credit Reporting Act ( FCRA ), hard inquiries may only be listed on a credit report if they are authorized by the consumer. I am requesting the removal of the following inquiries that I believe were made without my permission : XXXX XXXX - XX/XX/XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I contacted the credit bureau and the creditor ( s ) directly to request verification of the inquiries and received no response or insufficient documentation. These inquiries are negatively impacting my credit score and were not initiated by me. 
Please investigate these inquiries and remove them from my credit report if proper authorization can not be provided.

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 2025-04-11 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to dispute unauthorized hard inquiries that have appeared on my credit report. I did not authorize these credit pulls, nor did I apply for credit with the companies listed. 
Under the Fair Credit Reporting Act ( FCRA ), hard inquiries may only be listed on a credit report if they are authorized by the consumer. I am requesting the removal of the following inquiries that I believe were made without my permission : XXXX XXXX - XX/XX/XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I contacted the credit bureau and the creditor ( s ) directly to request verification of the inquiries and received no response or insufficient documentation. These inquiries are negatively impacting my credit score and were not initiated by me. 
Please investigate these inquiries and remove them from my credit report if proper authorization can not be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: IN

Complaint narrative:
I am a victim of identity theft. There are several credit cards car loans etc on my credit that i didnt give anyone permission or authorization to open. This has really affected my ability to provide for my family

Company response to consumer: Closed with non-monetary relief