vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I am filing this complaint against LVNV Funding for unauthorized reporting of a debt with the account number XXXX on my credit report. I believe I am a victim of identity theft because LVNV did not have my permission to report any information or place any account on my credit report. Additionally, I never received any written notice from them prior to the negative information being reported. 

This action violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), as I was not informed or provided an opportunity to dispute the debt before it was reported to the credit bureaus. I do not feel safe having my personal information with LVNV, especially since they failed to follow legal procedures for notifying me. 

I request that the CFPB investigate this matter and ensure that LVNV Funding is held accountable for their actions and that the incorrect information is removed from my credit report.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX XXXX Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$910.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$390.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2800.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Im submitting this complaint regarding late payments reported by Nelnet on my federal student loan, which have caused a major drop in my credit score.

I was unemployed temporarily and then started a new job where my paychecks were deposited into a different bank account. I didnt realize that my auto-debit had stopped working. I also did not receive or see any outreach attempts from Nelnet warning me that payments were failing. 

When I checked my Nelnet account, it showed that no payment was currently due and listed a payment received on XX/XX/XXXX for {$280.00}. However, when I called Nelnet, they confirmed the last real payment they received was actually XX/XX/XXXX meaning the XXXX payment was either an error or a system adjustment that I was unaware of. 

Because of what I saw on the Nelnet portal, I believed my account was in good standing. I acted immediately once I realized there was an issue : I paid the full past-due balance of $ XXXX on XX/XX/XXXX and requested a goodwill adjustment, which was denied. 

I have historically been in good standing on my loans and have never missed a payment prior to this. The system confusion misled me into believing there was no problem. 

I am currently pregnant with my third child, facing health issues, and am a newly single parent. This credit damage is now preventing me from getting approved for a car loan, which is severely impacting my familys stability. 

I respectfully ask that the late payment ( s ) be removed from my credit report, given the confusing system information, the good faith I demonstrated by paying immediately once aware, and the serious life circumstances this error has caused.

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: TN

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet. 
I feel like Im being taken advantage of and being ignored for my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and they have got into the hands of the wrong person.

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: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
i have become a victim of identity theft. Former employee fraudulently used my personal information to open account without my permission, consent or knowledge. He opened an account by obtain my personal information off the company computer to apply for credit accounts. I never authorized any such action of his. Please remove the fraudulent collection account from my personal credit file. Account open under fals pretense.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Pleas dispute the following accounts that have been opened or used in my name as a result of a recent data breach. I was recently notified that my personal information may have been compromised, and I have reason to believe that this has led to unauthorized activity on my credit report and/or new accounts being opened without my consent. I did not authorize the opening or use of this account and was not aware of its existence until reviewing my credit report ( or receiving a collection notice. This activity is the result of identity theft stemming from a data breach.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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: 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 formally disputed the accuracy and legitimacy of a student loan account appearing on my credit report. This account was accessed and potentially originated without my knowledge or consent, in direct violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ), 20 U.S.C. 1232g.

A FERPA complaint has been filed with the U.S. Department of Education regarding unauthorized access to my student loan records by XXXX XXXX or parties affiliated with him. As you are aware, any access or disclosure of educational records without written consent is illegal under federal law. 
In accordance with both FERPA and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am exercising my legal right to dispute the accuracy of this account and demand its immediate removal from my credit report while this matter is under federal investigation.

Please remove the following account : Loan Servicer/Creditor : XXXX XXXX XXXX  Date Opened : XXXXXX/XX/year>

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: CA

Complaint narrative:
I formally disputed the accuracy and legitimacy of a student loan account appearing on my credit report. This account was accessed and potentially originated without my knowledge or consent, in direct violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ), 20 U.S.C. 1232g.

A FERPA complaint has been filed with the U.S. Department of Education regarding unauthorized access to my student loan records by XXXX XXXX or parties affiliated with him. As you are aware, any access or disclosure of educational records without written consent is illegal under federal law. 
In accordance with both FERPA and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am exercising my legal right to dispute the accuracy of this account and demand its immediate removal from my credit report while this matter is under federal investigation. 
Please remove the following account : Loan Servicer/Creditor : XXXX XXXX XXXXXXXX Date Opened : XX/XX/2024

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: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC
State: KS

Complaint narrative:
This is the second time this company has wrongly attempted to withdraw two mortgage payments within 1 month resulting in applying fees to my rocket mortgage loan in addition to fees at two different bank institutions I partner with. 

The most recent happened XX/XX/year>. I went online to pay establish a new bank line into a joint checking account instead of an individual account being recently married. I set up account with the new joint account, made a 1 time payment on XX/XX/XXXX, then selected the button to make it reoccurring on the XXXX of every month moving forward. I received a confirmation that I would begin autopayments on the XXXX of every month. Money was taken out of the joint account XXXX. 

XXXX Rocket Mortgage attempted to complete an autograft on XXXX from an the old individual account which did not have the funds as they were moved into the joint account AND attempted to collect twice in the month of XXXX. I wasn't aware that a draft was being attempted from the old account until XX/XX/XXXX when I received a text message that the payment had failed and I fee would be charged to my account none receival of payment for XXXX. I quickly logged onto my bank account and say the payment on the joint account still made, so I logged into my rocket mortgage account. That is where I see rocket mortgage tried to take the funds out of my two accounts on the same day. One being authorized and the other not. Please note the individual account never had autodraft the policy so there is no way it could have been an old autodraft on file that was forgot to remove. 

I reached out to rocket mortgage to find out how to fix payments moving forward including confirming the correct account, how the mistake happened in the first place, and how to be reimbursed for the fees they inherently cause and were attempting to charge on my account. The rep told me I when in and authorized two separate payments, 1 one time payment then directly after an autodraft to start the same month and there was nothing she would do. I advised this was not the case, and it did not make sense that I would make a payment and also make a second one on a monthly bases and pay the mortgage balance twice.

Rocket Mortgage charged two accounts ( 1 not authorized ) and now is charging me a fee on top of the 2 fees from the individual account that I did not authorize. I've asked for documentation stating the authorization as well as the agreed to fees and they are unable to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
After reviewing my credit report, I discovered that Capital One Auto Finance ( Account # XXXX ) continues to report a balance owed even though this debt was fullXXXX XXXX XXXX my XXXX  XXXX bankruptcy. This account is also marked closed, which further supports that no payment is due yet it is still being reported as if I owe money. 

This is a clear violation of several consumer protection laws under the Fair Credit Reporting Act ( FCRA ) : FCRA Violations Committed FCRA 623 ( a ) ( 5 ) Credit furnishers must report only accurate and verifiable information. If a creditor can not validate the reporting with the original source, it must be deleted.

The U.S. Bankruptcy Court, the original source of this record, explicitly states that it does not furnish, validate, or verify credit information.

FCRA 1681a ( e ) Credit bureaus may not include investigative consumer report data unless verified through legally acceptable sources. Public records not confirmed directly are inadmissible.

FCRA 1681b ( a ) ( 2 ) No agency has my express consent to report unverifiable public data, making this a violation of permissible purpose requirements.

FCRA 1681c ( a ) Bankruptcy-related data that is unverified or incomplete must be excluded. The law prohibits reporting of discharged debts as collectible.

Evidence of Non-Verification The U.S. Bankruptcy Court has provided written confirmation that they do not validate or report information to credit bureaus. 

XXXX, a third-party data provider, also confirmed they can not validate this bankruptcy record. 

Therefore, Capital One Auto Finance and the credit reporting agencies have no lawful, original-source verification. 

XXXX and XXXX This ongoing false reporting is : Preventing me from accessing credit, loans, and housing. 

Causing financial hardship and emotional stress. 

A form of fraudulent misrepresentation and unjustified defamation under federal consumer protection 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: NCB Management Services Inc.
State: MN

Complaint narrative:
I am submitting this complaint because there is inaccurate and/or unverifiable information being reported on my credit report by [ Name of Furnisher or Credit Bureau ] . I disputed this information with the credit reporting agency under my rights granted by the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), which requires that they conduct a reasonable investigation and correct or remove any information that can not be verified.

Despite my dispute and providing supporting documentation, the information remains on my report without evidence that it was properly verified. I have not received an adequate explanation, nor have I been provided with proof that the information is accurate. This inaccurate reporting is negatively impacting my credit score and financial well-being.

I am requesting that the CFPB assist in ensuring that the credit reporting agency and/or data furnisher comply with the law by properly investigating my dispute and removing or correcting the inaccurate information if it can not be verified. 

XXXX XXXX XXXX XXXX XXXX

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$700.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2800.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/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: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
THIS BANKRUPTCY RECORD IS NOT MINE AND HAS BEEN REPORTED IN ERROR. ITS INCLUSION ON MY CREDIT REPORT IS INACCURATE, MISLEADING, AND IS CAUSING SIGNIFICANT EMOTIONAL DISTRESS. I AM FORMALLY REQUESTING THE IMMEDIATE AND PERMANENT REMOVAL OF THIS FRAUDULENT ENTRY FROM MY CREDIT FILE. PROMPT ACTION IS REQUIRED TO RECTIFY THIS SERIOUS ERROR. SEE THE ATTACHED DOCUMENT FOR VERIFICATION.

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under XXXX XXXX XXXX XXXX ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under XXXX XXXX XXXX XXXX ( XXXX ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate 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 2025-06-09 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: GA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under XXXX XXXX XXXX XXXX ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under XXXX XXXX XXXX XXXX ( XXXX ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with non-monetary relief