vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-09 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: Nelnet, Inc.
State: WA

Complaint narrative:
Nelnet ( Dept. of Education servicer ; acct XXXX ) furnished XX/XX/XXXX XXXX days late on three linked sub-loans ( XXXX ) while a fourth sibling sub-loan ( XXXX ) under the same master account shows no XXXX late. Their own records show I cured on XX/XX/XXXX ( posted XX/XX/XXXX ) and then made regular monthly payments through XX/XX/XXXX, followed by full payoff on XX/XX/XXXX. This is not an ability-to-pay issue ; autopay was not enabled until XX/XX/XXXX after a custodian/servicer transition, and I held liquid assets XXXX the then-balance. 

Timeline highlights : XX/XX/XXXX XXXX XXXX  Nelnet asked me to submit my bureau report. 
XX/XX/XXXX XXXX XXXX  Overnight they issued a denial labeling my dispute incomplete/invalid or goodwill. 
XX/XX/XXXX No adjustment needed form letter.

10/23/2025 Nelnet mailed two packets ( Payment History, Forbearance History/Account Summary ) to my old XXXX address with RETURN SERVICE REQUESTED, despite my updated XXXX XXXX address. Those packets actually support my dispute : ( a ) ledger shows the XX/XX/XXXX cure and monthly payments thereafter ; ( b ) on-ramp/forbearance tables show AD/AE/AF covered through XX/XX/XXXX while AG only shows XXXX, explaining divergent aging and proving inconsistent furnishing inside one account.

Multiple emails since then ask me to call a generic line ; they have not provided a records-based written reinvestigation ( no Days-Past-Due math, no method of verification, no sub-loan mapping/Metro-2 fields, no address/delivery audit ). 
The bureaus now show consumer disputes after resolution, although my dispute remains active with regulators. 

Harm : score drop XXXX XXXX in one month ; insurance premiums increased ( flagged high risk ) ; existing cards restricted ; new credit/loans denied ; business financing stalled. I paid the loans in full on XX/XX/XXXX, but the severe derogatories remain. I need a proper investigation and correction, not more generic please call us responses and misaddressed mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: NC

Complaint narrative:
Checked my credit today, found several accounts that dnt belong to me. I have never gave anyone permission or authorization to open these accounts 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 2025-11-09 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: NC

Complaint narrative:
Checked my credit today, found several accounts that dnt belong to me. I have never gave anyone permission or authorization to open these accounts 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 2025-11-09 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX # XXXX -- Balance : {$150.00} - Date Opened : XX/XX/XXXX XXXX XXXX # XXXX -- Balance : {$280.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened : XX/XX/XXXXXXXX XXXX XXXX  XXXX - Date Opened : XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened : XX/XX/XXXX XXXX  # XXXX -- Balance : {$470.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: GA

Complaint narrative:
I am requesting updates on my credit report to ensure accuracy and compliance with federal standards. Specifically, outdated addresses that are no longer associated with my current residence. These entries were during the data breach and is no longer relevant to my credit profile. I am also formally disputing all hard inquires on my credit report that appear to be inaccurate, incomplete, or other personal identifiers without my wet signatures to give permission to have my personal information and that do not reflect on my actual credit activity. This request is made in accordance with the FCRA, which guarantees my right to dispute and correct information that is inaccurate or obsolete. I am submitting this request to ensure my credit file reflects only verified and current 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 2025-11-09 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: VA

Complaint narrative:
Checked my email today and email stated that I had a XXXX  XXXX account XXXX. I have never opened this account or have anyone permission or authorization to open this account in my name without my consent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 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: VA

Complaint narrative:
Checked my email today and email stated that I had a XXXX  XXXX account XXXX. I have never opened this account or have anyone permission or authorization to open this account in my name without my consent

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 2025-11-09 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: IN

Complaint narrative:
Dear Experian Dispute Department, I am writing to formally dispute certain inaccurate information appearing on my Experian credit report. I am not requesting deletion of the account itself, but I am requesting a correction to the late payment history reported for the account listed below. 

Account Information : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$100000.00} Reason for Dispute : The late payments reported on this account are inaccurate. I have consistently made timely payments, and any alleged delinquencies are either reporting errors or due to delays in processing that were beyond my control. I respectfully request that Experian investigate this matter with XXXX XXXX XXXX and update my credit report to reflect the accurate payment history.

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 2025-11-09 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I keep telling you guys this is not me someone stole my idification last year in the end and this year in the beginning and I'm tried of all this not getting done for me dispute all the time getting notifications about someone opening credit card I'm in debt XXXX dollars what the XXXX seems you guys ain't doing the job I'm tried of all this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AR

Complaint narrative:
To : Consumer Financial Protection Bureau I am submitting this follow-up in response to Fair Collections and Outsourcing 's reply to my complaint dated XX/XX/year>. 
FCO 's response does not satisfy the legal requirements for full debt verification under the Fair Debt Collection Practices Act and Fair Credit Reporting Act. While they provided a copy of a lease agreement and a account summary ( ledger ), these documents do not constitute proper verification of the debt. 
The lease they provided appears to be a genetic or reproduced copy, not the original signed lease between myself and the original creditor. The account summary is a basic ledger prepared by the collector, not an original accounting record from XXXX at XXXX. 
FCO also stated in their response that they do not buy, sell, or own debt, meaning they are collecting on behalf of another entity. Because of that, they are required to show : Proof of authorization or assignment from XXXX at XXXX that gives FCO the right to collect this debt.

Complete account documentation from the original creditor that validates the amount and balance claimed and.

Original signed agreements or statements verifying my liability and connections to this specific balance. 
Since none of this documentation was provided, FCO has not proven that I owe this debt or that they have the right to pursue or report it. Therefore, I request that this account be removed from my credit reports and that the CFPB require FCO to provide full and proper validation if they wish to continue collecting. 
Requested Action : CFPB to reopen and review this complaint due to insufficient verification.

Require FCO to produce full and complete validation or remove the alleged debt from all credit reports. 
Thank you for your attention to this matter. 
Sincerely, 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 2025-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My credit report shows collection accounts that I believe contain inaccurate information. Under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, I have the right to a credit report that is fair, accurate, and verifiable. I am requesting a thorough investigation of these collection entries, and if any can not be confirmed as accurate, I ask that they be promptly deleted from my report.

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 2025-11-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
Credit Collection Services XXXX XXXX has been threatening to XXXX  me if I don't pay their BOGUS AND FRAUDULENT debt!!! I am not involved in any any contract to pay Credit Collection Services XXXX XXXX or any of their affiliates. This account and their ARBITRARY amount they created is FRAUDULENT.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: VA

Complaint narrative:
So this makes the XXXX  time that this has happened and its actually happened XXXX times but the XXXX  the XXXX  real time that it happened it was unnoticed but chime continues to just take my money when I add funds to it from my girlfriends account and it just disappears or I did a cash deposit XXXX time and they took money but theres keep continuing to say its for the same Amount and then when I call them and ask him how I owe this amount because I dont even have access to the my pay repayment or the my pay advance because I havent had direct deposit set up for so long. They just continue to give me to run around. They dont fix it. XXXX  been fasting and today I want to break my fast and XXXX find a mindset my wife some money and she transferred it to my account and because they were linked and chime took all the money without authorization without notifying me. Theres been plenty of times XXXX  had the money and they just dont take it. They just dont understand how they can continue to just take all my money and then not give it back to me when I tell them I didnt authorize that Amount or at least give me something back to where I couldve got something to eat today XXXX in the middle of being evicted and that my worst in life right now and I really needed that money and they will not give it to me. They keep hanging up on me if XXXX on several occasions and I seen that this is a big issue throughout the country

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: EQUIFAX, INC.
State: RI

Complaint narrative:
I am submitting this complaint because my Equifax credit report contains an unauthorized inquiry from XXXX dated XX/XX/year>. I did not submit any credit applications with this institution on or around this date, nor did I provide consent for them to perform a credit inquiry under my name. 

The presence of this inquiry on my credit report is inaccurate and misleading, giving the false impression that I have been actively seeking new credit when, in fact, I have not. Unauthorized credit inquiries violate my rights as a consumer under 15 U.S. Code 1681, which is part of the Fair Credit Reporting Act ( FCRA ). Equifax, as a consumer reporting agency, is legally obligated to report only information that is accurate and obtained with proper authorization.

I previously disputed this inquiry with Equifax, but the response I received was insufficient, as it did not include documented proof that I authorized the credit pull. Under the FCRA, Equifax must conduct a reasonable reinvestigation and verify the legitimacy of any credit inquiry. Failing to do so constitutes a violation of the accuracy and reinvestigation requirements of federal law. 

This unauthorized inquiry has affected my credit score and my perceived creditworthiness, causing unnecessary stress and concern over the security of my personal financial data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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.

Complaint narrative:
I previously submitted letters to address errors on my XXXX  credit report, but no corrections have been made to date. Please review the documents and correspondence I provided regarding these issues.

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 2025-11-09 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: OR

Complaint narrative:
To whom it may concern : According to the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681i ) and METRO 2 compliance standards, I challenge all inaccuracies and deficiencies of reporting. I require the permanent removal of any inaccuracies immediately! I also demand that you investigate the source of each account and ensure that each creditor has a permissible purpose for all inquiries within my credit profile. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-11-09 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
This account was opened as a result of identity theft. I have submitted a dispute to the credit bureau and the the furnisher under 15 U.S.C. 1681C-2 requesting removal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: MS

Complaint narrative:
The school Date of closure : The campus closed suddenly on XX/XX/XXXX. 
Reason for closure : The closure was caused by financial difficulties and the immediate suspension of the school 's XXXX by the XXXX XXXX for XXXX XXXX and XXXX ( XXXX  ). 
Initial plan : The school had previously announced it would stop enrolling new students and planned to close the XXXX campus by XX/XX/XXXX, to allow current students to finish their programs. 
Impact on students : Existing students were told they could complete their programs, and career services would still be provided. Students were encouraged to contact the XXXXXXXX XXXX XXXX XXXX regarding loan forgiveness options.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Resurgent Capital Services L.P.
State: OR

Complaint narrative:
XXXX XXXX or XXXX is currently under investigation from the department of justice in regards to allowing a suspect access my devices illegally without authorization. Later, using my online account to change my account and billing info and access my online text messages.. 

I believe this consumer credit company is not legitimate or the ones that are billing. My credit report are not..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
This is this is not a replicate dispute this is involving this company and requesting arbitration due to the fact that they have not repeat again have not adhere to the fair credit reporting act north have their about about the law by not providing any of the information request

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LOBEL FINANCIAL CORPORATION
State: FL

Complaint narrative:
I purchased a vehicle on XXXX and Lobel Financial approved the loan. On XX/XX/year> the vehicle was involved in a car accident and my insurance XXXX declared it a total lost. On XX/XX/year> the insurance cut a check to Lobel Financial for approximately {$19000.00} leaving a balance of about {$750.00}. I called Lobel Financial as soon as I signed the registration to the insurance and they cut the check to find my balance, but I was told to wait XXXX - XXXX business days so the check can cleared and show up in their system. A week later I called back to inquire about the remaining balance, and at this time I was told the balance was forwarded to a collection agency. My payment was never late so I was confused, I called the collection agency and it was not showing in their system and I was told new account takes about a week to appear to call back within a week. On XX/XX/XXXX, I called back XXXX XXXX agency Phone number ( XXXX ) XXXX Reference number XXXX and they were able to locate my balance. During this time I requested to pay off my balance and was told if I pay a settlement amount of {$370.00} the balance will be XXXX and taken care of. I paid the balance instruction and receive the statement that my balance is now XXXX. A few days later I notice XXXX reported the it to the credit report. I called XXXX and they said to give them XXXX days. This should have not been reported to begin with.

Company response to consumer: Closed with non-monetary relief