vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: MD

Complaint narrative:
To Whom It May Concern : I am filing a formal complaint against Nelnet regarding a federal student loan that I co-signed for my daughter. I recently received a credit monitoring alert that my credit score had dropped by over XXXX points. After checking my credit report, I discovered that Nelnet reported this loan as 180 days past duewithout ever reporting the loan previously and without providing me with any notice or communication about missed payments. 

I was never contacted by phone, email, or mail regarding the delinquency. When I called Nelnet, I was told that they sent notifications and made callsbut they admitted all communication was sent to an old mailing address and disconnected phone number. I never received any correspondence at my current address, and I was completely unaware of any issues with the account until the derogatory mark suddenly appeared on my credit report. 

This account was never reported on my credit file before it was marked as severely delinquent, which is both misleading and damaging. I believe this violates the Fair Credit Reporting Act ( FCRA ) because I was not given the opportunity to cure or address the delinquency prior to it being reported as 180 days late.

I am requesting the following : That Nelnet immediately remove the 180-day late payment from my credit reports with XXXX XXXX  and XXXX. 

That Nelnet provide proof of delivery or receipt of any communication regarding this loans delinquency to me as the co-signer. 

That a full investigation be conducted into the failure to notify and lack of accurate and timely reporting prior to this derogatory mark. 

This inaccurate reporting has caused me significant financial harm, and I was denied the ability to address the matter in advance due to Nelnets failure to use accurate contact information, which I would have gladly updated had I known it was necessary. 

Thank you! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Someone opened a fraudulent XXXXXXXX XXXX XXXX under my name and maxed it out affecting my credit score

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 2025-07-17 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: IL

Complaint narrative:
XXXX XXXXXXXX XXXX reported an account ( Account Number : XXXX ) on my clients credit file as valid. Following this, I immediately filed a dispute due to lack of documentation. 
Why its incorrect The creditor has failed to provide : A signed contract or instrument bearing my signature. 

Proof that XXXX XXXXXXXX XXXX has the legal authority to collect or report this debt. 

No validation has been provided to date. 

What actions have been taken I submitted a dispute letter to the credit bureau requesting full verification of the debt. 

I also filed a complaint with the FTC ; the assigned case number is XXXX. A copy of this filing is included.

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am formally disputing hard inquiries reported by TransUnion : XXXX  ( XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX  ( XXXX ) XXXX and XXXX XXXX  ( XXXX XXXX. These inquiries were made without my knowledge, consent, or written authorization, violating the FCRA ( 15 USC 1681b ), which prohibits access to consumer reports without a permissible purpose. This situation mirrors Duane v TransUnion, where the court ruled that unauthorized inquiries must be deleted. I am demanding immediate removal of these inquiries and full compliance with federal law. Failure to act may result in legal action under 15 USC 1681n and 1681o for willful and negligent noncompliance.

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 2025-07-17 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: IL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. This CFPB complaint has been filed to request pursuant to FCRA XXXXb ( XXXX U.S.C XXXX ) That XXXX XXXX XXXX XXXX , Experian reporting agency and XXXX XXXX , to block this information within 4 business days of you receiving this complaint. This false information, fraudulent information, and inaccurate information consist of a personal credit card opened at XXXX XXXX XXXX XXXXXXXX on XXXX under the account number XXXX, a credit card opened XXXX at XXXX  XXXX XXXX under the account number XXXX, a credit card opened at XXXX XXXX on XXXX under the account number XXXX, with a balance of XXXX XXXX These accounts have resulted in fraudulent hard inquiries and fraudulent collections appearing on my FICO credit report. I do not recognize the accounts, collections, or hard inquiries as reported. These accounts, collections, and hard inquiries, on my consumer credit report weren't open or initiated by me. All of the aforementioned hard inquiries, accounts and collections are the result of identity theft and fraud. I have a copy of FTC identity Theft Criminal Complaint XXXX XXXX as proof from the US Federal Trade Commission that all of the collections, credit accounts, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: VA

Complaint narrative:
The payment process is frequently problematic. We can't pay online unless we open an account with the bank which we have no interest in leaving our current bank. For the last two months they've called claiming that they haven't received funds. Once by mail ( which has been an issue in the past as well ) and today after an electronic funds transfer from my primary bank. Primary bank shows the check was cashed yesterday. Mortgage bank still says they don't have it. 

We often have to call to resolve issues. They tell us we can only pay by mail or in person for years then finally say we can pay by eft but that's as big a problem as regular mail it seems since they can't keep track of which checks they've cashed cashing undo stress. 

Frustrated that our mortgage was bought by such an incompetent and stuck in the past bank. I've never had such poor customer service and competency. I most definitely will NEVER open an account with them since they can't manage the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: CBC Companies, Inc.
State: NY

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: AL

Complaint narrative:
I am filing this complaint because I have identified multiple items on my credit report that are inaccurate, incomplete, or contain discrepancies. I submitted a formal dispute to the Experian and attached a detailed letter identifying each account and the specific information that needs to be reviewed. At this time, I am asking for the CFPBs help to ensure that my dispute is properly processed and investigated. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information I believe to be incorrect, and the credit bureaus are legally obligated to conduct a thorough reinvestigation of each item. My dispute letter, which is attached to this complaint, outlines all the information I am challenging. It is critical that the credit bureaus acknowledge my dispute, investigate each point I raised, and provide corrections where appropriate to ensure that my credit report is both accurate and complete.

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 2025-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Debt is not mine. Account appears twice on my credit report with different amounts as a past due balance. Please remove from 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 2025-07-17 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: FL

Complaint narrative:
This is my second formal dispute regarding the accounts listed below, which you have continued to report with late payments. I am demanding immediate action under the Fair Credit Reporting Act ( FCRA ), specifically 1681i ( a ) regarding reinvestigations, accuracy, and the furnishing of procedures used in your investigation. 

Accounts in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX At this point, I am requesting complete documentation and records proving the accuracy of the reported late payments. As you are legally required to do under FCRA, please send me the following within 15 days : XXXX. Detailed method of investigation used in verifying the late payment ( XXXX ). 
XXXX. Names, titles, business addresses, and phone numbers of every individual you or the furnisher contacted during the investigation. 
XXXX. Date-stamped records or billing statements that legally prove the payment ( XXXX ) were late. Screenshots or summary data is not acceptable. 
XXXX. Proof of permissible purpose from the original furnisher, under 15 U.S.C. 1681b, showing their legal right to report and re-report this data to your bureau.

If you are unable to produce this evidence within 15 days, I am requesting that the account be updated immediately to reflect PAID/NEVER LATE, and that you provide me with an updated copy of my credit report once the corrections are made. 

Let me be clear : you must provide direct evidence, not general statements or templates. If you can not verify that these late payments occurred with timestamps, names, and full documentation then continued reporting of inaccurate data is a direct violation of FCRA 1681i and 1681e ( b ).

This letter serves as formal notice of your obligations and my right to accurate reporting. Failure to comply will result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), State Attorney General, and potential legal action for damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: AL

Complaint narrative:
I was alerted to a derogatory remark on my credit report. The monitoring company provided the name of the debt collector called Central Portfolio Control The number is XXXX. 
I called and after the person asked for my last 4 S.S.I and address and email address. I did give all of those answers. 
The person told me to pay {$1.00} to avoid doing a hard pull on my credit report. 
I said that extortion. He said no it's a new system we are doing to address all the complaints of hard pull on their credit report. 
I said you don't need to do a pull on my report you placed the information on the report. 
Tell me who and what is it that you claimed I owe. He said I have to pay XXXX XXXX. 
Before he asked for a credit card, he provided small talk and said he was in XXXX Florida. The topic was on weather. 
He hung up on me when I ask for a supervisor and ask for all the company information and report them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: TN

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX ACCOUNT XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XX/XX/XXXX -- {$190.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX FL ) # XXXX XX/XX/XXXX -- {$5700.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. This CFPB complaint has been filed to request pursuant to FCRA XXXXb ( XXXX U.S.C XXXX ) That XXXX XXXX XXXX XXXX , Experian reporting agency and XXXX XXXX , to block this information within 4 business days of you receiving this complaint. This false information, fraudulent information, and inaccurate information consist of a personal credit card opened at XXXX XXXX XXXX XXXXXXXX on XXXX under the account number XXXX, a credit card opened XXXX at XXXX  XXXX XXXX under the account number XXXX, a credit card opened at XXXX XXXX on XXXX under the account number XXXX, with a balance of XXXX XXXX These accounts have resulted in fraudulent hard inquiries and fraudulent collections appearing on my FICO credit report. I do not recognize the accounts, collections, or hard inquiries as reported. These accounts, collections, and hard inquiries, on my consumer credit report weren't open or initiated by me. All of the aforementioned hard inquiries, accounts and collections are the result of identity theft and fraud. I have a copy of FTC identity Theft Criminal Complaint XXXX XXXX as proof from the US Federal Trade Commission that all of the collections, credit accounts, and hard inquiries are the result of identity theft and 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 2025-07-17 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: LA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: NC

Complaint narrative:
Hello, in the attachments I uploaded the letters with more detailed information I have sent out numerous of different times reaching out to these companies to remove the negative items reported. It's been a hassle and identity theft issues with my information and they won't send to show me any proof of any items reported. as accurate and selling my information to other companies adding more derogatory issues with my name. Please help.

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 2025-07-17 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXX/XXXX  ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

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