vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 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: NY

Complaint narrative:
Subject : Servicing Delay and Inaccurate Credit Reporting Nelnet Federal Student Loan What happened : I am filing this complaint regarding a federal Direct Unsubsidized student loan serviced by Nelnet. I graduated from XXXX in XX/XX/XXXX and have spent over a year attempting to access and repay this loan. Despite repeated outreach to XXXX and XXXX XXXX XXXX, the loan was not visible on my XXXX account, and no servicer had been assigned. 

In XXXX and XX/XX/XXXX, XXXX confirmed in writing that the loan was delayed at the Common Origination and Disbursement ( COD ) level, and that Aidvantage ( the originally listed servicer ) had no record of my loan. I was unable to make payments, as there was no servicer portal or repayment schedule available. From graduation through XXXX, I had no visibility into my repayment obligations despite ongoing efforts to resolve the issue. 

In XX/XX/XXXX, I received my first notice from Nelnet, stating that the loan was active and delinquent. It retroactively showed past-due payments dating back to XX/XX/XXXX. I immediately paid the overdue amount in good faith : On XX/XX/XXXX, I paid {$400.00} to cover the $ XXXX charges from XX/XX/XXXX through XX/XX/XXXX. 
On XX/XX/XXXX, I made my first scheduled monthly payment of {$270.00}. 

At that point, my Nelnet dashboard showed a {$0.00} balance due, with the next payment scheduled for XX/XX/XXXX. However, on XX/XX/XXXX, my account unexpectedly showed a past-due balance of {$1800.00} and {$1800.00} in unpaid accrued interest. No prior notification or explanation of these charges was provided, and this interest was not shown as due when I made my previous payments. 

Immediately afterward, a serious derogatory mark was placed on my credit report, resulting in a drop of approximately XXXX points. I was never given an opportunity to avoid this outcome. The retroactive interest appears to have been applied without warning and was impossible to pay in advance, given the servicing delay. 

What I am requesting : Removal or reclassification of the $ XXXX in retroactive accrued interest that I had no opportunity to pay. 
Correction of the inaccurate and unfair credit reporting that resulted in a derogatory mark and a substantial XXXX XXXX drop. 
A written acknowledgment from Nelnet that my account is in good standing and that no further negative credit activity will occur. 

I have documentation showing : My attempts to resolve the loan starting in XX/XX/XXXX XXXX acknowledgment of a servicing delay Screenshots of my Nelnet account showing {$0.00} due on XX/XX/XXXX, followed by a past-due balance on XX/XX/XXXX Proof of timely payments Credit score drop and reporting change This situation is the result of a servicing failure, not borrower delinquency. I respectfully request CFPB assistance in correcting this matter and protecting my credit record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian, TransUnion and Equifax has failed to fulfill its legal obligations under the FCRA to conduct a reasonable re investigation of disputed Information on my credit report, leaving inaccurate, or unverified accounts unresolved. The CFPB has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute resolution. These failures align with my experience, where Experian, TransUnion, and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective actions to remove disputed accounts. As Experian, TransUnion and Equifax inaction violates federal laws and my rights as a consumer

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 2025-07-22 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 filed formal disputes with the credit bureau concerning inaccurate and unverifiable accounts on my credit report. Under the Fair Credit Reporting Act ( FCRA 611 ( a ) ), the bureau is required to conduct a reasonable reinvestigation within 30 days, consult with the original furnishers, and provide me with written verification or remove the information if it is unverifiable. Instead, the bureau appears to rely on automated systems ( such as eOSCAR ) without requesting or reviewing original source documents, in violation of its duty to maintain maximum possible accuracy under FCRA 607 ( b ) / 15 U.S.C. 1681e ( b ). In light of the 2023 CFPB enforcement action ( CFPB & FTC v. TransUnion ), in which your agency was fined {$23.00} million for systemic reporting failures, I hereby request that my dispute be handled with due diligence and in full compliance with federal law. I requested detailed information about their reinvestigation process and copies of any verification or certification they obtained from the furnishers. They failed to provide this documentation and have continued reporting the disputed items without proof. XXXXXXXX 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

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 2025-07-22 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: VA

Complaint narrative:
I am writing to formally dispute inaccurate and derogatory information appearing on my credit report concerning an account with XXXX XXXX XXXX, which is currently listed as closed with a {$0.00} balance.

According to the report, this account reflects 30-day and 60-day late payments for XXXX through XX/XX/year>. However, the following issues appear to violate the Fair Credit Reporting Act ( FCRA ) and warrant immediate investigation : 1.Inaccurate Delinquency Timeline : The account was reported as OK in XX/XX/year>, indicating the account was current or paid. If the account was resolved in XX/XX/year>, the 60-day delinquency for that month is inaccurate. This violates FCRA 623 ( a ) ( 1 ) ( A ), which prohibits reporting of false or misleading information.

2.Lack of Consistency Across Bureaus : All three credit bureaus report identical delinquencies for the same months, despite the status being Paid/Closed shortly after. This discrepancy is misleading.

3.Potential Re-aging or Misreporting : If this delinquency stems from prior missed payments that were resolved, it may represent re-aging of debt, which is prohibited under federal law. This would also improperly extend the derogatory reporting window beyond the legally allowed 7 years.

4.No Notification of Negative Reporting : If XXXX XXXX XXXX  failed to notify me within 30 days of reporting the negative information, that is a violation of FCRA 623 ( a ) ( 7 ).

5.Missing Dispute Notation ( If Previously Disputed ) : If this item had been previously disputed, it is not labeled as disputed by consumer, as required by FCRA 623 ( a ) ( 3 ).

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 2025-07-22 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to formally dispute inaccurate and derogatory information appearing on my credit report concerning an account with XXXX XXXX XXXX, which is currently listed as closed with a {$0.00} balance.

According to the report, this account reflects 30-day and 60-day late payments for XXXX through XX/XX/year>. However, the following issues appear to violate the Fair Credit Reporting Act ( FCRA ) and warrant immediate investigation : 1.Inaccurate Delinquency Timeline : The account was reported as OK in XX/XX/year>, indicating the account was current or paid. If the account was resolved in XX/XX/year>, the 60-day delinquency for that month is inaccurate. This violates FCRA 623 ( a ) ( 1 ) ( A ), which prohibits reporting of false or misleading information.

2.Lack of Consistency Across Bureaus : All three credit bureaus report identical delinquencies for the same months, despite the status being Paid/Closed shortly after. This discrepancy is misleading.

3.Potential Re-aging or Misreporting : If this delinquency stems from prior missed payments that were resolved, it may represent re-aging of debt, which is prohibited under federal law. This would also improperly extend the derogatory reporting window beyond the legally allowed 7 years.

4.No Notification of Negative Reporting : If XXXX XXXX XXXX  failed to notify me within 30 days of reporting the negative information, that is a violation of FCRA 623 ( a ) ( 7 ).

5.Missing Dispute Notation ( If Previously Disputed ) : If this item had been previously disputed, it is not labeled as disputed by consumer, as required by FCRA 623 ( a ) ( 3 ).

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 2025-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Unauthorized XXXX transactions on XX/XX/year> for {$45.00}, XX/XX/year> for {$55.00}, XX/XX/year> for {$20.00}, XX/XX/year> for {$55.00}, XX/XX/year> for {$55.00}, XX/XX/year> for {$50.00}. Total amount for unauthorized payments : {$280.00}.

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 explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I am disputing a collection account listed on my credit report because I do not owe this debt. The account was placed by a collection agency that I have never done business with, and I was never notified of any debt. I am requesting verification and supporting documentation to prove that I am legally obligated to pay. So far, I have not received any proof from the company. Under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, I am asking for this account to be investigated and removed from my credit report if it can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: RI

Complaint narrative:
I just checked my equifax report and noticed fraudulent accounts names, and addresses on my report. 
The accounts XXXX XXXXXXXX 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 XXXXXXXX XXXX MA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX are fraudulent addresses and need to be removed also

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
A line of credit through XXXX went to collections, after speaking with XXXX XXXX XXXX the account was to be settled for less than the balance with the total payment being XXXX, the balance was paid and the account settled. The collections agency Portfolio Recovery has since posted a remaining balance. I have disputed it twice, both times the collections agency has put the balance back on to my credit report. PER the LAW FIRM that offered me the settlement amount .. the account is settled. This balance needs to be removed from my credit report, or I will be contacting my lawyer. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
XXXX XXXX the collection has been on my report since that exact date and I do not recognize this collection. This collection is identity theft. I have never been in buisiness with this collection. The amount is {$220.00} showing on my credit report I did not authorize anything with the company Caine & Weiner

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX FL XXXX XXXX XX/XX/XXXX Subject : Dispute of Late Payment Pursuant to 15 U.S. Code 1666 & 1666 ( b ) Account name PARAMOUNTRMG OPEN DATE XX/XX/XXXX I am writing to dispute a late payment reported on my mortgage account, which appears on my credit report. This payment is inaccurate and I am requesting an investigation under the Fair Credit Billing Act, 15 U.S. Code 1666 and 1666 ( b ).

Please treat this letter as a formal notice of a billing error. The late payment in question occurred on [ insert date ], and I believe this to be in error due to timely payment made, billing not received, wrong due date, etc. ].

Under 15 U.S. Code 1666, you are required to : 1. Acknowledge this dispute within 30 days ; and 2. Investigate and resolve the matter within two billing cycles, not exceeding 90 days.

Please provide a written response confirming your findings. If you find the entry to be in error, I request that you immediately : Correct the payment status, Remove the late payment from my credit reports, and Provide me with updated statements for my records. 

Failure to respond or correct the inaccurate information may result in a complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I am writing in response to your phone call dated XX/XX/year>, regarding a debt you allege I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide proper validation of this debt, as is my right under 15 U.S.C. 1692g.

Please provide the following information : 1. The amount of the debt ; 2. The name of the original creditor ; 3. A copy of the original agreement or other verification showing that I agreed to assume this debt ; 4. A complete payment history, including any charges and fees ; 5. Proof that you are authorized to collect this debt ; 6. Whether the debt is within the statute of limitations.

Until this information is provided, please cease all collection activities and do not contact me except to provide the requested validation. Be advised that any further attempts to collect this debt without validating it are a violation of the FDCPA.

I am also requesting that you cease reporting this alleged debt to any credit reporting agencies until the debt is validated.

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bounce AI, Inc.
State: MO

Complaint narrative:
I am filing this complaint because Bounce AI , Inc. is attempting to collect a debt without providing proper validation as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

On [ XX/XX/year> ] I formally disputed the alleged debt and requested full validation. In response, Bounce AI only sent me a copy of the promissory note from the original creditor, XXXX XXXX XXXX along with a generic account summary. They failed to provide proof of their legal authority to collect this debt, such as a copy of the assignment, sale, or transfer agreement from the original creditor, or the full chain of title. 

On [ XX/XX/year> ], they sent the promissory document with a letter stating : Based on the evidence now available, including your electronic signature, we are unable to validate your dispute at this time. 
This statement shows they are ignoring my demand for full validation and are attempting to consider the matter resolved without providing legally required documentation. 

Bounce AIs refusal to provide proper validation while continuing to claim they have rights to this debt and threatening credit reporting violates the FDCPA and may also violate the Fair Credit Reporting Act ( FCRA ) for reporting unverified information. I am requesting that Bounce AI provide full and complete validation of this debt, including the chain of assignment and itemized accounting, or cease all collection activity and remove any credit bureau reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
i have two negative accounts on my credit report that i do not recognize and I do not know what to do about it i lost my social security card several years ago so it may be identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: FL

Complaint narrative:
I am disputing the accuracy and legitimacy of the following items on my credit report : charge-offs, hard inquiries. Under the Fair Credit Reporting Act, 611 ( 15 U.S.C. 1681i ), you are required to conduct a reasonable reinvestigation of these disputed items within 30 days of receiving this notice. If you can not verify the accuracy or authorized purpose of these charge-offs or inquiries with the original furnishers, you must promptly removethe information. Continued reporting of inaccurate or unverifiable information violates the FCRA and unjustly harms my credit. 
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 DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-22 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: NC

Complaint narrative:
Subject : DEMAND FOR IMMEDIATE REMOVAL OF UNAUTHORIZED HARD INQUIRIES FCRA VIOLATION This letter serves as my formal demand for the immediate removal of unauthorized hard inquiries listed on my credit report. These inquiries were not authorized by me in any form, and as such, they are in direct violation of the Fair Credit Reporting Act ( FCRA ), Section 604. 


XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX - Under 15 U.S. Code 1681b Permissible purposes of consumer reports. I never gave this company any written consent to report anything on my consumer reports, no consent is fraud. 

XXXX XXXX Date of inquiry : XX/XX/XXXX - Under 15 U.S. Code 1681b Permissible purposes of consumer reports. I never gave this company any written consent to report anything on my consumer reports, no consent is fraud.

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 2025-07-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I received a collection notice from Portfolio Recovery Assoc. via Email not in writing .. regarding an alleged debt. I submitted a written debt validation request under the Fair Debt Collection Act ( FBCPA 15 USC 1692g ) asking for complete verification, including : - A copy of the original lease - A full itemized statement of the charges - Proof they have legal authority to collect this debt with which Portfolio Recovery Assoc. responded with insufficient documentation, no signed application or true validation, yet continued to assert the debt as " verified. '' This a direct violation of the FDCPA, and I am asserting my right to proper validation before any collection or reporting action. Furthermore, I requested that this debt not be reported to the credit bureaus. I am reporting preemptively reporting this in case of improper or illegal reporting in the future. I am requesting that the CFPB investigate this matter, Ensure that the collector is held accountable for any violations, and confirm that this debt will not be reported or pursed without lawful validation.

Company response to consumer: Closed with non-monetary relief