vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.

Complaint narrative:
I was contacted by XXXX XXXX XXXX over a debt of XXXX and LVNV FUNDING LLC about a debt of XXXX on XXXX XXXX dollar credit cards so i asked for a legal proof of debt any contract i signed with them and when this debt occurred and i didn't hear back from them at all, this my fourth time trying to verify my contract to settle debt on my behalf. they call my phone all day and night preventing me from sleeping and its embarrassing my family to answer these calls. Please have them stop and verify my contract or please remove these accounts from my credit report asap i tried to reach out to XXXX XXXX XXXX XXXX they ignored my letters also and neither collection agency or debt collector have responded to my request for accurate legal ownership of the collection accounts appearing under different Collection agency names this debt has be sold several times over the course of several years and each time its sold the debt increases. Please reach out to all these agencies to help me get these errors and inaccurate accounts off all three of my credit reports thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: 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 XX/XX/XXXXand XX/XX/XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX # XXXX - Date Opened : XX/XX/year> - {$41000.00} - Balance : {$41000.00}

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 2025-09-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CBE Group, Inc.
State: PA

Complaint narrative:
My situation is XXXX cut me off without warning on XX/XX/year> and I did not receive the bill until XX/XX/year> and I had a {$150.00} credit at the time I had enough of XXXX not working with me because I'm retired and I get my money on the XXXX week of every month and XXXX kept putting late fees on me, so I sent all of their equipment back I no longer have XXXX and now they have a debt collection company hitting and hurting my credit score and the company CBE group is reporting the incorrect account number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: NH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX XXXX XX/XX/year> To Whom It May Concern, Re : Student Loan Debt Non-Consolidated Loans with Accrued Interest I am writing to provide information regarding my student loan accounts, specifically concerning loans that were intended to be consolidated but were not successfully combined into a single account. A formal letter was sent to all three credit bureaus and the XXXX Department of Education without resolution to correct the misreported and false information on my credit report. 

As a result, each loan remains separate, and interest has continued to accrue individually on each loan balance. This has made managing repayment more complex, as there are multiple repayment schedules and varying interest rates to track. Additionally, the accrual of interest over time has increased the overall cost of the loans by 200 %. 

I am seeking the original loan validation documents and amounts per loan prior to loan consolidation by the XXXX Department of Education. If the XXXX Department of Education is not able to provide this information, they need to remove all student loans and interest payments from my account due to fraudulent activity and misrepresentation of student loan debt on my credit report. 

Please feel free to contact me should you require additional details or documentation regarding these student loans. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: OH

Complaint narrative:
My credit report is showing some inaccurate and misleading information. It lists closed accounts, collections, and duplicate personal details that arent correct. Under the Fair Credit Reporting Act ( FCRA ), the credit bureaus are required to make sure everything on my report is as accurate as possible ( 607 ( b ) ) and to reinvestigate when I dispute something ( 611 ). Ive already disputed these items, but theyre still being reported and continue to hurt my credit, making it harder for me to access fair credit opportunities.

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 2025-09-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: NV

Complaint narrative:
I received a card in the mail from XXXX XXXX taxes. My yearly taxes went to {$4300.00}. I received an escrow analysis and Im noticing they are projecting to pay {$1900.00} quarterly when it should only be {$1000.00} quarterly for my county tax. Theyre trying to overdo it for an escrow shortage theyre saying so I would like to take over my own taxes, homeowners insurance and everything else, but they have very bad reviews all over their website pretty much about the same thing. I am not overpaying a dime more than what I am supposed to in taxes. I believe they are overpaying the taxes so that is their issue to get their money back. I am in a 3 % cap lock with the state of Nevada, as long as you reside in the home I will be calling tomorrow morning, but Im sure this will not get resolved just like when they had so much overage and it took me four months to get a new escrow analysis. They are trying to take {$700.00} extra a month which is absolutely unaffordable to me. I didnt even get preapproved for XXXX a month so I dont even know where theyre coming with this. Ive been paying XXXX  if my taxes went up OK maybe XXXX {$200.00} more a month because theyre already were paying {$260.00} a month but it should be XXXX a month. So the only difference is about {$1200.00} difference in taxes a year and if you divide that by 12, its definitely not {$700.00} a month.

Im gon na be forced to have to go into another mortgage company, but I dont think that they should be able to legally do this to people.

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 2025-09-28 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: NV

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-09-28 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: NV

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-09-28 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: CO

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: MS

Complaint narrative:
I made an attempt to reach out to American Express a minimum of 4 times in XX/XX/year> in order to make a payment on XXXX accounts I have with them. I was not able to make a payment to them neither time. Customer service representatives would offer me a settlement amount but hang up in my face before I was able to make a payment. After the first XXXX times this happened I decided to record our phone call on my end because in the state of Alabama it is a XXXX party consent to record phone conversations and American Express had given the disclaimer. I uploaded the phone call to XXXX so all parties could listen to the call. This is the first account number XXXX. This is the second account number XXXX. 

This is the link to the fourth phone call when I was finally able to record the conversation XXXX XXXX XXXX 

Please get a human to listen to the phone call and verify the information from my complaint.

My consumer rights under the Fair Credit Billing Act, FCRA, and FDCPA were violated.

I need your assistance as I am homeless and these two accounts are stopping me from getting housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: TX

Complaint narrative:
My student loans need forgiveness because the debt has become an overwhelming financial burden, limiting my ability to build savings, invest in my future, and maintain financial stability. Despite my efforts to repay, the interest continues to grow, making it difficult to get ahead. Forgiveness would provide much-needed relief and allow me to focus on creating long-term financial security.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I have been in contact with XXXX XXXX since XX/XX/year>. They told me they had corrected their error but cant fix my credit reporting .. My credit report is still reflecting a bankruptcy and XXXX XXXX doesnt give a XXXX!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: TX

Complaint narrative:
I began applying for student loan discharge/forgiveness in XXXX with XXXX ; the loans were transferred to Mohela. My loans are from XXXX, and I have made considerable payments towards my loans over the years. I had not heard back and decided to reach out in XX/XX/XXXX. This inquiry is still listed as " in review ''. I requested follow up again in XX/XX/XXXX and it is listed as " complete '' I received a new payment schedule that increased my payments from {$160.00} to {$210.00}. The loans were not forgiven, and I am now expected to pay more. I submitted a new request for an income driven repayment in XXXX XXXX since I am now unemployed. They are now in forbearance until XXXX as stated on the account but will possibly have an added increase of {$400.00}. I need some assistance please.

Company response to consumer: In progress
Consumer complaint received 2025-09-28 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: FL

Complaint narrative:
Re : Reinsertion of Deleted Account / FCRA & Metro 2 Compliance Violations To Whom It May Concern : This letter is a formal notice regarding the unlawful reinsertion of XXXX XXXX XXXXXXXX Account XXXX XXXX, now acquired by XXXX XXXX XXXX XXXX XXXX This account was previously deleted from all three credit bureaus because the statute of limitations had expired. Reinserting this account without proper certification and without providing me written notice within five business days violates 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). Experian actions also fail Metro 2 compliance standards and constitute willful noncompliance under 15 U.S.C. 1681n. You are hereby required to : 1. Immediately and permanently delete this reinserted account. 2. Provide the furnishers certification of accuracy, as required by law. 3. Confirm compliance in writing within 15 days of receipt of this letter. Failure to comply will result in complaints filed with the FTC, and may subject Experian to civil liability under 15 U.S.C. 1681n & 1681o. Respectfully, 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 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My personal information is incorrect on my credit report. My correct address is : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX Please delete these addresses that I have never lived at or XXXX belong to a relative : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX number is : ( XXXX ) XXXX Please XXXX these numbers that I have never 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 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 2025-09-28 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: NC

Complaint narrative:
My personal information is incorrect on my credit report. My correct address is : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX Please delete these addresses that I have never lived at or XXXX belong to a relative : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX number is : ( XXXX ) XXXX Please XXXX these numbers that I have never 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 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 2025-09-28 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I received a notification from XXXX XXXX  that my Best Buy Citibank card account was closed. I never received anything from the company warning that it would be closed due to inactivity or that it was closed. I called the credit card company to inquire about this and was told that an email was sent to me in XXXX but it may have been sent to my spam. I never received an email. There is no document in my Best Buy app, even if it was sent by email it should have been there and something this important should have been sent via mail, but they said because I have paperless statements it wasnt. The only resolution they gave me was that I would have to apply for a brand new credit card and run my credit again. I then inquired why I didnt get a notification when the account was actually closed and they said that I would be getting a letter in the mail shortly. I asked why XXXX getting a letter now instead of an email but before they only sent an email that would possibly be in my spam, that I never received. They could not give me an answer and sennt me to a Manager. That Manager gave me completely different information and told me that notification was sent out on XX/XX/XXXX. I continued to ask about getting a notification that the account had been closed and she kept telling me that a notification was sent out XX/XX/XXXX stating that my account would be closed due to an activity if I didnt use it by XX/XX/XXXX. The document she referred to dated XX/XX/XXXX in my Best Buy app has nothing to do with account closure, its about a promotional offer. They never informed me that my account was going to be closed and then never informed me that my account was closed. Theyre just lying about the notifications, giving me the run around and then they hung up on me when I was trying to ask about it.

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 2025-09-28 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: GA

Complaint narrative:
I am disputing the information listed in this complaint as it appears on my credit profile. I want to validate the debt to prove it belongs to me, XXXX XXXX. Please note that verification of the account is not validation. If the debt can not be validated, I want the negative item removed from my credit profile immediately. This request is made pursuant to FCRA 605B, codified at 15 U.S.C. 1681c-2. 

Account Name : XXXX  XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation