vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-09 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'm disputing inaccurate address information on my Experian credit report. My report currently shows XXXX addresses : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( Address ID # XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Address ID # XXXX ) XXXX XXXX XXXX, XXXX, GA XXXX XXXX Address ID # XXXX ) Only the first address ( XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ) is my current correct address. The other two addresses are either incorrect or outdated and should be removed. Having incorrect addresses on my credit report creates confusion about my identity, may affect my credit history accuracy, and potentially exposes me to identity theft risks. This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ) requirements for maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ). I have submitted a written dispute to Experian requesting removal of the incorrect addresses, but the issue remains unresolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: TX

Complaint narrative:
Nelnet, the loan servicer, is unfairly impacting my financial well-being and directly violating my consumer rights. When I took out a student loan to help fund my education, I was informed that my loan would be deferred if I ever faced financial hardship. As someone who works hard to maintain a strong credit profile in preparation for homeownership, I take my financial responsibilities seriously. 

Last month, Nelnet reported my loan as 90 days late, even though the month prior, my payments were on time. How is that accurate? Upon discovering this, I immediately reached out to Nelnet, paid my past-due balance, and requested a one-time forgiveness adjustment, as I was never informed that my loan was no longer in deferment. Had I known, I would have made my payments on time as agreed. 

However, a Nelnet representative informed me that nothing could be done regarding this unfair credit reporting. As a direct result, my credit score dropped by over XXXX points, significantly impacting my ability to access financial opportunities, including homeownership. This is not only unreasonable but also a direct violation of my consumer rights. Lenders and loan servicers have a legal and ethical obligation to provide clear and accurate information to borrowers, and their failure to do so has caused undue harm to my financial standing. 

After further research, I found that this isnt the first time Nelnet has faced accusations of predatory practices. In the court case XXXXXXXX XXXX XXXX XXXX Nelnet XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX they were accused of similar misconduct.

This situation is both unfair and damaging to my financial future. Nelnet must be held accountable for its misleading practices and failure to properly communicate critical information that directly impacts consumers. No borrower should have to suffer a major credit score drop due to a servicers negligence and lack of transparency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Everything has to be XXXX percent accurate pern FCRA and 15 US 1681n which holds parties civilly liable for willful noncompliance with the FCRA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
I was told to send money to various vendors over a period of time in order to meet the rock band XXXX  XXXX  XXXX  XXXX  from XXXX and join the on tour - I had been very XXXX  having undergone XXXX so I thought this would be a great experience as I liked the band. This arrangement was carried out online due to the distance as I live in the XXXX I was instructed to pay people in United States via PayPal account linked to my bank. I questioned this arrangement but decided that it was the only way to pay for hospitality and agreed to a total of {$5000.00} I was supposed to meet the band in XXXX XXXX but when I arrived in XXXX  I was left stranded so I returned to the XXXX after a few days. I was then contacted by the contact person who arranged this who told me they had been called away and to hold on until it was convenient but the connection was lost between us because I was told later on he had been hacked and I was told that the FBI had been informed about it. By which time I had built up a friendship with him and believed it but I have decided that it was all lies and I have been scammed by being told to send payments to different people in the XXXX via PayPal as payments to friends and family which isnt covered by terms and conditions regardless of whether its a scam or fraudulent activity. I am a retired nurse in receipt of the XXXX  XXXX  and this is a lot of money for nothing it has affected my health and I have been made XXXX  because I thought I was going to live with the person in the XXXX and start a new life sadly this is not the case because the people who I thought were involved with the band were purporting to be members of the band. 
The banks are not able to give a charge back for these payments because I have paid to friends and family via PayPal but I dont know these people and never met any of the recipients of my money. I would appreciate it if you could investigate this and retrieve funds lost also to help others who may fall into this horrible scam. 
I will provide further details of the recipients at your request and look forward to your reply. 
Yours faithfully XXXX XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute certain inaccurate information on my credit report. As per my rights under the Fair Credit Reporting Act ( FCRA ), I request that you investigate and remove incorrect data related to my name, address, and phone number from my credit file. These errors are negatively impacting my creditworthiness and I request immediate attention to correct these issues. 

Specifically, I am disputing the following inaccurate information : Incorrect Addresses : XXXX XXXX XXXX, XXXX ca XXXX XXXX XXXX XXXX, XXXX CA XXXX XXXX XXXX : XXXX XXXX Other Incorrect Information : In accordance with the FCRA, please ensure that this dispute is resolved within XXXX  days of receipt of this letter. Should you need any further documentation or clarification, please do not hesitate to contact me at the provided phone number or email address. 

If you are unable to correct this information, please provide a detailed explanation of your findings. Furthermore, if this issue is not resolved promptly, I will not hesitate to escalate the matter to the Consumer Financial Protection Bureau ( CFPB ), as well as file complaints with the relevant regulatory bodies, to ensure that my rights are fully protected. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT.

Account Name : XXXX  XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX  # XXXX DATE OPENED 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 explanation
Consumer complaint received 2025-03-09 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: FL

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of a charged-off account on my credit report. The account in question is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This debt has been canceled and reported as taxable income on my IRS Form 1099-C, which I received from the creditor. Since the IRS considers this debt as forgiven and settled, it should no longer be reported on my credit report. 
Legal Basis for My Dispute According to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure the maximum possible accuracy of the information they report. Since a 1099-C indicates debt cancellation, continuing to report this account with a balance is inaccurate and may be a violation of the law. 
Furthermore, income is not reported on credit reports, and because this debt was canceled and reported as taxable income on my federal tax return, it should not be reflected on my credit report. This inaccurate information must be removed immediately. 
Requested Action I am requesting that you update my credit report as follows : 1. Ensure that no income-related information appears on my credit report, as income is not reported by credit bureaus.

Supporting Documents Enclosed I have enclosed the following documents as proof of the cancellation : Copy of the 1099-C issued by the creditor Deadline for Response Under the FCRA 15 U.S.C. 1681i, you are required to investigate and respond within 30 days. If you fail to correct this inaccurate reporting, I am prepared to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue legal action under FCRA 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance.

Please confirm the correction in writing and send me an updated copy of my credit report reflecting these changes. You may contact me at the information provided above if you need any further details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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: FL

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of a charged-off account on my credit report. The account in question is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This debt has been canceled and reported as taxable income on my IRS Form 1099-C, which I received from the creditor. Since the IRS considers this debt as forgiven and settled, it should no longer be reported on my credit report. 
Legal Basis for My Dispute According to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure the maximum possible accuracy of the information they report. Since a 1099-C indicates debt cancellation, continuing to report this account with a balance is inaccurate and may be a violation of the law. 
Furthermore, income is not reported on credit reports, and because this debt was canceled and reported as taxable income on my federal tax return, it should not be reflected on my credit report. This inaccurate information must be removed immediately. 
Requested Action I am requesting that you update my credit report as follows : 1. Ensure that no income-related information appears on my credit report, as income is not reported by credit bureaus.

Supporting Documents Enclosed I have enclosed the following documents as proof of the cancellation : Copy of the 1099-C issued by the creditor Deadline for Response Under the FCRA 15 U.S.C. 1681i, you are required to investigate and respond within 30 days. If you fail to correct this inaccurate reporting, I am prepared to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue legal action under FCRA 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance.

Please confirm the correction in writing and send me an updated copy of my credit report reflecting these changes. You may contact me at the information provided above if you need any further details.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have Called transunion XXXX  times in the past XXXX  months to keep getting a XXXX XXXX  XXXX  that I do not and have not worked for removed from my credit report. I stated my only employer that should be listed is XXXX XXXX. Each time they have removed it and placed it back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: FL

Complaint narrative:
Please see supporting documents pertaining to the XXXX data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I had a loan with Toyota Financial Services XXXX for a XXXX XXXX XXXX XXXX this truck was involved in a total loss accident back in XX/XX/XXXX and my insurance XXXX and XXXX XXXX covered the total loss on XX/XX/XXXX. After the truck was covered for the loss i did have a remaining balance on the loan due to skipping XXXX payments during the XXXX XXXX that i got effected by it. I agreed to pay the remaining balance in a XXXX  month term agreement of the amount of {$330.00} from XX/XX/XXXX till XX/XX/XXXX. I also enrolled in autopay since XX/XX/XXXX and the first payment was taken out on XX/XX/XXXX XXXX payments were going threw fine till XX/XX/XXXX XXXX i noticed on bank account that the month of XX/XX/XXXX the payment failed i don't know why if i had money in my account. I also contacted XXXX to give me an explanation but all the told me was that it must of been a glitch due to the due date landing on a XXXX and that was it they told me to call my bank. I called my bank XXXX and asked them to check if XXXX tried taking the payment out and they told me No that to contact them because it didn't look like they tried pulling the payment at all. So i called back XXXX and after that they didn't really want to give me and explanation of why that happened it was like talking to wall all they told me was that they couldn't talk about it and they would just transfer me to their collection unit. I also wrote to them XXXX letters asking them to reopen my account because at that point they had already closed my account without my knowledge and gave me a charge off on my credit when i had been loyal to them on making payments on time. On the letters they send me back all they said was that the information that they had was correct and they were sending it over to the credit bureaus reporting it as if i didn't make my payments on time. At this point I'm really upset and frustrated that they unfairly and unjustifiably closed my account without prior contact via email, phone call or letter to make me aware they were going to close my account without reason. Due to their actions now i have a charge off on my credit score resulting my scored to dropped over XXXX points from being XXXX to XXXX the years XXXX worked so hard on my credit to have an outstanding XXXX XXXX by being responsible making payments on time. I hope to find a resolution to this issue because this is being a nightmare and has added unnecessary stress to my life since i was preparing to purchase a home by the end of this year. As of today the balance that is due to XXXX is from {$1800.00} to {$1600.00} after making a {$200.00} payment to the their collection unit XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Abbott Osborn Jacobs PLC
State: TX

Complaint narrative:
This notice is to inform you that you are AGAIN in violation of 1006.26 ( a ) ( 1 ) 2 and 1006.34 ( D ) ( 3 ) 4 ( b ) of The Code of Federal Regulations for attempting to collect on Time-Barred Debt. The above debt you are attempting to collect has been closed by XXXX XXXX XXXX on XX/XX/year>. In accordance with 15 USC 1692 805c of The Fair Debt Collection Practices Act, I demand you cease all communication with me concerning this account. 

I have filed second complaint with The Consumer Financial Protection Bureau to protect my consumer rights. An additional complaint was filed with your states Attorney General Office to further disclose your business practices. I will forward all documents to XXXX XXXX XXXX and my attorneys for their review. 

Failure to comply will result in legal action taken against Abbott Osborn & Jacobs & HS Financial Group for each violation committed which is my right under 15 USC 1692k { 813 } ( a ) of The Fair Debt Collection Practices Act and Section 392.402 ( B ) of The XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: VA

Complaint narrative:
I new account from XXXX XXXX XXXX, claims I opened a account last year with XXXX mobile. Which is 100 % false, my information had to be used in order for this to happen. Last year the only mobile company I joined was XXXX XXXX XXXX and previously a member with XXXX XXXX XXXX for years I am requesting to have this account removed. I have not signed or had any business dealings with XXXX mobile. [ RE : Your Account Number ( if known ) ] I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

[ Identify item ( s XXXX XXXX XXXX XXXX resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, 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 2025-03-09 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:
I am writing to formally dispute the inaccurate information on my credit report regarding late payments for the account referenced below. Upon reviewing my credit report, I noticed that the report inaccurately reflects late payments on an account that was, in fact, paid on time.As per my records, all payments on this account were made in full and on time. Therefore, I request that you investigate this matter thoroughly and provide verifiable proof, such as payment history or transaction records, that shows the payments were late. If this information can not be verified, I demand that my credit report be updated immediately to reflect the correct payment history, with the late payments removed and marked as " paid on time. '' Thank you for your prompt attention to this matter. Credit Report attached below

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: CA

Complaint narrative:
I am writing to dispute certain inaccurate information on my credit report. As per my rights under the Fair Credit Reporting Act ( FCRA ), I request that you investigate and remove incorrect data related to my name, address, and phone number from my credit file. These errors are negatively impacting my creditworthiness and I request immediate attention to correct these issues. 

Specifically, I am disputing the following inaccurate information : Incorrect Addresses : XXXX XXXX XXXX, XXXX ca XXXX XXXX XXXX XXXX, XXXX CA XXXX XXXX XXXX : XXXX XXXX Other Incorrect Information : In accordance with the FCRA, please ensure that this dispute is resolved within XXXX  days of receipt of this letter. Should you need any further documentation or clarification, please do not hesitate to contact me at the provided phone number or email address. 

If you are unable to correct this information, please provide a detailed explanation of your findings. Furthermore, if this issue is not resolved promptly, I will not hesitate to escalate the matter to the Consumer Financial Protection Bureau ( CFPB ), as well as file complaints with the relevant regulatory bodies, to ensure that my rights are fully protected. 

Thank you for your immediate attention to this 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