vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

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 2025-06-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Bankruptcy
Company: Nelnet, Inc.
State: NV

Complaint narrative:
All my student loans are closed, I have bankruptcy, and the loans are still there, and I am not able to get a hold of anyone to get the payments lowered or written off. And each reporting agency is showing something different. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: GA

Complaint narrative:
I am submitting this complaint against EXPERIAN for its continued failure to ensure the accuracy and integrity of the data it reports, which is in direct violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing the inaccurate reporting of multiple accounts on my credit file. The account is from XXXXXXXX XXXX XXXXXXXX, opened XX/XX/XXXX, is being falsely reported with a XXXX late payment in XX/XX/XXXX and a XXXX late payment in XX/XX/XXXX. These entries are inaccurate, unverified, and damaging. I request these derogatory items be removed unless EXPERIAN can provide documented, verifiable evidence of their validity, in full compliance with FCRA XXXX and XXXX ( b ). 

Furthermore, my credit file contains numerous unauthorized hard inquiries, which I did not initiate or permit. These inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these hard inquiries were authorized by me in writing or through any credit application, making their presence a clear violation of FCRA XXXX ( c ). Hard inquiries require permissible purpose, and EXPERIAN is responsible for ensuring that such inquiries meet that legal standard. I demand that all unauthorized inquiries listed above be investigated and removed from my file immediately. Should EXPERIAN fail to take prompt corrective action, I reserve the right to escalate this matter to legal counsel, file additional complaints with the FTC, and pursue remedies under FCRA 1681n and 1681o for willful or negligent noncompliance.

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 2025-06-10 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: TX

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with XXXX XXXX of the Fair Credit Reporting Act.

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 2025-06-09 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: GA

Complaint narrative:
I have reviewed my credit report and have contacted Experian several times in regards to accounts reporting on my credit report, I have not applied for in my name or authorized Per FCRA please have Experian to delete these unauthorized accounts -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 2025-06-10 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: FL

Complaint narrative:
This is a formal and legitimate complaint that demands immediate corrective action. My credit report contains blatantly inaccurate information that fails to meet the legal requirement of maximum possible accuracy. These inaccuracies are causing serious, ongoing harm to my financial standing and personal well-being. I insist on an immediate and thorough investigation. All false or unverifiable entries must be corrected or permanently removed without delay. This matter must be resolved at once failure to act will be deemed unacceptable and will result in further escalation without hesitation.

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 2025-06-09 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: ProCollect, Inc.
State: FL

Complaint narrative:
I am submitting this complaint to bring attention to the mishandling of my identity theft dispute by XXXX XXXX and the collection agency ProCollect, and to request enforcement of my rights under the Fair Credit Reporting Act ( FCRA ). 

In XX/XX/XXXX, I successfully disputed a collection account reported on my rental history that resulted from identity theft. I provided XXXX XXXXXXXX with a complete identity theft affidavit and all necessary supporting documentation. As required by law, this fraudulent debt was blocked and removed from my rental history on XX/XX/XXXX. 

However, in XX/XX/XXXX, XXXX  XXXX reintegrated the same disputed debt into my report, claiming it had been validated by XXXX. I was never notified in writing prior to the reinsertion, nor was I given an opportunity to dispute the debt again, which violates the FCRA. Upon inquiry, XXXX XXXXXXXX directed me to contact XXXX directly. 

I contacted XXXX, and they provided what appears to be only an online rental application. This documentation does not meet the legal standard required to validate a debt. I have never rented, resided at, or applied to rent the property in question. Therefore, the alleged debt is fraudulent and a clear case of identity theft. 

Under the FCRA, to properly validate and verify a rental debt, the furnisher ( XXXX ) must provide : A signed and dated rental or lease agreement bearing my signature ; Documentation of payment history or outstanding balances related to the rental property ; Proof of residency or occupancy ( e.g., utility bills, correspondence addressed to me at the rental property ) ; Any other contracts or documents legally binding me to the debt. 

An online rental application alone is insufficient to establish that this debt belongs to me or that it is valid. Reinserting this debt without providing proper validation, or notifying me beforehand, violates my rights under the FCRA and causes significant harm to my ability to rent housing. 

I request the XXXX assistance to ensure that XXXX  XXXX and XXXX : Comply with the FCRA requirements for dispute investigation and reinsertion notifications ; Provide complete and valid documentation proving the debt is accurate and belongs to me ; Permanently remove this fraudulent debt from my rental history if proper validation can not be provided ; Correct my rental history to prevent further damage to my housing opportunities. 

Thank you for your time and attention to this urgent matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: VA

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 non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
Subject : Continued Dispute Invalid XXXX XXXX Account and Demand for Full Deletion Dear Transworld Systems and XXXX XXXX, This letter serves as my continued dispute of the alleged XXXX XXXX debt in the amount of {$340.00}, and a renewed demand for full deletion from all credit bureaus. 

You claim an " Initial Demand Notice '' was sent via SMS on XX/XX/year>. However, under the Fair Debt Collection Practices Act ( FDCPA ), you are required to send a written notice within XXXX days of first contact, including details of the debt and the right to dispute it. SMS is not a valid substitute. I never received proper written notice. 

The documents you enclosed fail to provide legally sufficient validation of the debt. You have not provided : - A copy of any contract with my signature ; - Proof of XXXX inability to provide service at my new residence ; - Any billing statements explaining the early termination charge. 

As I explained previously, I fulfilled my initial service period and moved to a high-rise building where XXXX could not continue service due to property restrictions. This was not a voluntary cancellation and does not justify an early termination fee. 

Your failure to validate the debt, combined with inaccurate and harmful credit reporting, constitutes a violation of both the FDCPA and Fair Credit Reporting Act ( FCRA ). 

* * You are hereby required to : * * XXXX. Permanently delete this account from all credit reporting agencies ; XXXX. Cease any and all further collection activity ; XXXX. Provide me with written confirmation that this matter has been resolved. 

I will continue to file complaints with the FCC, FTC, CFPB, and the Attorney General until this account is removed and corrected. Legal action will be considered if this issue remains unresolved. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: FL

Complaint narrative:
Several companies have accessed my credit report without authorization, causing direct harm to my credit and score. Although your representative assured me these inquiries would be removed, they remain. This continued inaction is unacceptable and raises serious concerns of identity theft. I am experiencing ongoing financial and emotional distress. I demand an immediate investigation and the prompt removal of all unauthorized inquiries from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: DailyPay, Inc
State: VA

Complaint narrative:
The franchise I work for recently ended its partnership with DailyPay without formally notifying employees, as of today, XX/XX/XXXX. On XX/XX/XXXX, I was informed through the DailyPay app that I owed {$1000.00} in overpaid wages. I have screenshots confirming I agreed to repay this amount in XXXX installments of {$250.00}, to be deducted from my upcoming XXXX paychecks. 

Over the weekend, the DailyPay site went under maintenance. When I checked my account on XX/XX/XXXX and again on XX/XX/XXXX, I found a notice stating that my balance was {$0.00}, and my account would be closed, with a final payment from them scheduled for XX/XX/XXXX. 

I contacted their support and was told that my entire paycheck would be taken to cover the overpayment, despite the original installment agreement. No notice was given that the terms of repayment had changed. This has left me with no income for the current pay period. 

Unless there is a clearly stated clause in the terms and conditions that allows them to unilaterally change the repayment structure without my consent, I believe this action is unauthorized and potentially illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jim Bottin Enterprises, Inc
State: WA

Complaint narrative:
I canceled my XXXX XXXXABS Fitness XXXX XXXX XXXX XX/XX/XXXX, and received written confirmation that my last payment of {$51.00} would be XX/XX/XXXX, and that membership would end XX/XX/XXXX. The XXXX charge failed due to a closed card, but the gym retroactively revoked the cancellation and referred an inflated debt of {$260.00} to collections without any written notice or opportunity to dispute. This is in direct violation of the member agreement, which does not state that a failed draft voids a valid and confirmed cancellation request. After voiding the CONFIRMED cancellation request, XXXX 's XXXX charged multiple additional months PLUS an annual renewal fee before referring the debt to collections, without any attempt to reach me. This appears to violate my rights under contract law and federal statutes ( FDCPA, XXXX ). I request that the collection be withdrawn and the debt deemed invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: CA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
This account is incorrect as pursuant to 15 U.S. Code 1692g ( 2 ) the name of the creditor to whom the debt is owed ; shall be name and the transitions failed to identify the original creditor. Also ftc reports have been filed. 

Debts are Car loan from Navy Federal for {$20000.00} Personal loan from Navy Federal for {$8100.00} Accounts appear as derogatory. Car loan should appear as paid off. Personal is incorrect and should have never been on the credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.

Complaint narrative:
XXXX. I found out my data was breached by Equifax in XXXX  XXXX. I contacted the company ecxplaining my life is at XXXX in XXXX XXXX aked them for help XXXX they did not help XXXX. I have XXXX debt and XXXX consumer debt XXXX called the CFPB XXXX. Called the XXXX  AGs office XXXX. Am waiting to be XXXX  by the XXXX because there appears to no recourse and Equifax are not helping. 

XXXX no one deserves to die for a clerical error by a company thousands of miles away. no one deserves to have basic legal rights breached by a company thousands of miles away. no one deserves to be put in forced labor situations by a hostile regime because of a credit company 's errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant XXXX XXXX XXXX XXXX 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

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 2025-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TekCollect Inc.
State: MD

Complaint narrative:
I am disputing a debt TekCollect is attempting to collect on behalf of XXXX. On XX/XX/XXXX, I received communication about a balance related to a Retail Installment Credit Sale Contract I signed with XXXX. I immediately contacted the collector and formally requested validation of the debt. In response, TekCollect mailed me a copy of the signed contract. 

However, my dispute is not about whether I signed a contract its about XXXX breach of that contract. I received aligners that were not customized properly and were unusable. I made multiple attempts to resolve the issue with XXXX, but they failed to correct the defective aligners. Eventually, XXXX filed for bankruptcy without ever fulfilling their obligations to me. 

I should not be held responsible for a service that was never delivered properly. TekCollect has not provided proof that the aligners were functional, accepted, or that the service was completed. A signed contract alone does not override consumer protection laws or my right to dispute a failed servic I enrolled in the XXXX installment plan with XXXX and made multiple payments toward my aligner treatment. When I received my aligners, they did not fit properly and were unusable. I contacted the company, and they acknowledged the issue and told me they would send a new set of aligners. However, the replacement aligners were never sent. 

Before my treatment could be completed or corrected, XXXX shut down operations in XX/XX/XXXX. After that, I stopped receiving any support, monitoring, or services that were promised under the XXXX agreement, including the LifeTime Smile Guarantee. 

Despite this, I was still expected to continue making payments. Since I never received aligners that fit, did not complete treatment, and did not receive the full services I paid for, I believe I am entitled to a refund for the payments I made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear US Department XXXX XXXX Servicing : I, XXXX XXXX XXXX MD , have placed Federal Student Loans [ Servicer : XXXX  ] in Income Driven Repayment-IDR, THAT IS CURRENTLY ON PAUSE. As such, I have discovered eligibility of TOTAL DISCHARGE OF THOSE EDUCATIONAL LOANS AND provide MY APPLICATION FOR COMPLETE DISCHARGE. I receive XXXX XXXX  XXXX, XXXX, Payments AND HAVE AN established medical onset date for SSDI of at least XXXX before the date of ( XXXX XXXX XXXXt XXXX, XXXX ) XXXX-application for XXXX-discharge, AND I have been receiving XXXX  based on XXXX for at least XXXX before the date of XXXX-application for XXXX  discharge. I ATTEST, AFFIRM, AND CERTIFY ALL INFORMATION VERY ACCURATE AND VERY TRUTHFUL.

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