vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 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: VA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: NJ

Complaint narrative:
XXXX XXXX XXXX, XXXX, XXXX, This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX/XXXX - XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX - Incorrect Personal XXXX XXXX  - Incorrect PersonaXXXX XXXX XXXX XXXXXXXX XXXX Incorrect Personal XXXX XXXX XXXX XXXX  XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal These accounts have XXXX in several fraudulent XXXX XXXX and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and XXXX  inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and XXXX  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 2025-07-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC
State: IL

Complaint narrative:
XXXX an Illinois resident and received a loan from OppLoans with an APR of 159.19 % which is far above the 36 % APR limit allowed in Illinois. 

Ive only made XXXX payments so far, but the terms are already unaffordable and XXXX now over XXXX  days past due. XXXX concerned this loan is predatory and XXXX be illegal under Illinois law. 

XXXX requesting your office investigate this loan and advise if I qualify for relief or if the interest rate violates state protections

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I am filing a complaint regarding the reporting of multiple XXXX late payments on my XXXX student loans serviced by Nelnet. These XXXX  marks have significantly XXXX XXXX XXXX despite my long-standing payment history and an honest mistake stemming from XXXX auto-debit system. 

I had believed to have auto-debit set up for my student loans and believed the payments were processing as expected. Unfortunately, there was a failure in the system, and no clear notification was provided to alert me that payments were not going through. I was unaware of the missed payments until Nelnet reported XXXX separate XXXX delinquencies to the XXXX XXXX, due to the structure of my loan being split into multiple tradelines. 

When I became aware of the issue, I acted immediately to bring my loans current. I contacted Nelnet and explained that the failure to pay was unintentional and due to what appears to be an auto-debit system error. I also raised concerns about a lack of timely or effective communication that could have helped me avoid these credit impacts. 

Nelnet reviewed my request and denied any responsibility or removal of the late payment remarks. I then filed a dispute with the XXXX XXXX but the negative marks remained unchanged. 

I am now requesting that the CFPB help review this situation. I am asking that Nelnet remove these delinquencies from my XXXX XXXX as a one-time goodwill adjustment, given the unusual circumstances and the disproportionate harm this has caused. This seems to be a technological error on XXXX end. My XXXX XXXX dropped over XXXX points, despite this being my first and only significant credit issue. 

I am a responsible borrower with a strong credit history and am doing everything in my power to correct this situation. I would greatly appreciate the CFPBs support in encouraging a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: TX

Complaint narrative:
I am writing in response to the recent investigation. I do not agree with your findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditor that is reporting this information on my report and because of this I am now asking you for more information regarding these particular accounts in question :

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 2025-07-03 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:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: NV

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section XXXX, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at XXXX : XXXX. According to the FCRA, XXXX XXXX XXXX are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section XXXX ( a ), XXXX XXXX XXXX are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
In the past three weeks, a debt collection company by the name of " XXXX '' for " XXXXXXXX XXXX XXXX, XXXX. '' has emailed me six times regarding someone else 's debt. The person the debt is for is my mother-in-law, so I do know her. But I have never and will never cosign anything for her because she is not really the most responsible person when it comes to money and I never wanted to be harassed by debt collectors or on the hook for her poor financial choices. She already asks us for money every time she calls. I'm not taking any kind of legal responsibility for her spending.

They sent the notifications to my email address that is quite literally my name, and each of the emails begins with " XXXX XXXX! '' even though my email address is MY name, which is definitely not anything close to XXXX, and also my personal information attached to my email account also confirms that my name is not XXXX. 

In addition to this, they clearly state the amount of debt that she owes, and then later in the email, it clearly states that it is illegal for them to inform anyone other than the debtor of the debt or how much the debt is. But of course, they have, thus far, both informed me of someone else 's debt as well as exactly how much that debt is six times already, in under three weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have disputed with creditors as Ive never done business with lvnv

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: CA

Complaint narrative:
In XX/XX/XXXX, I successfully disputed and had a XXXX XXXX account removed from my TransUnion credit report ( Dispute XXXX XXXXXXXX ). TransUnion approved the dispute and removed the account due to it being too old to remain under FCRA guidelines. 

In XX/XX/XXXX, Jefferson Capital Systems opened a new tradeline for the exact same debt, claiming a balance of {$2300.00} and listing XXXX XXXX as the original creditor. This account was marked Placed for collection and shows a fabricated open date of XXXX though no new activity or validation of the debt occurred. 

This appears to be an attempt to re-age the debt by re-reporting it under a new account, which may violate FCRA 623 ( a ) ( 5 ) and FDCPA 807. The original item was removed after a successful dispute. Reintroducing the same debt under a new account without full disclosure, validation, or updated consumer notification is misleading and damaging. I never received proper validation of this debt
from Jefferson Capital. I dispute its accuracy, legitimacy, and the manner in which it was reported. I am requesting that this account be deleted in full, and that TransUnion be required to investigate and remove it as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Summit A*R, Inc.
State: KS

Complaint narrative:
I contacted XXXX XXXX & Summit A * R again in XXXX or XXXXXXXX XXXX XXXX requesting them to put the correct date down for the delinquency for the 2nd time. XXXX XXXX XXXXXXXX was the date the account was delinquent. I refused payment due to XXXX XXXX being out of Network & promised a cheaper price. They didn't kerp their word with reducing payment. They are now claiming they were in Network but they weren't back then. 

In XXXX I went back for a XXXX XXXX per my Doctor which would have been a 2nd bill. They combined a XXXX & a XXXX bill into one bill to change the delinquency date. I want the delinquency date corrected, because XXXX visit, & XXXX visit were separate bills.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing this complaint because TransUnion is reporting inaccurate and unverifiable information on my credit report. On XXXX XXXX, I identified several accounts that I believe are either outdated, not mine, or can not be verified under the Fair Credit Reporting Act ( FCRA ). 

XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXX XXXX XXXX  XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal I submitted a formal dispute to TransUnion requesting that these accounts be fully investigated and removed if not verified with proper documentation. However, I did not receive a meaningful investigation or verification, and the inaccurate information remains on my report.

I am requesting the CFPB 's assistance to ensure TransUnion complies with federal law, specifically sections 1681i ( reinvestigation of disputed information ) and 1681b ( permissible purpose ). My goal is to have any unverifiable, inaccurate, or unauthorized accounts permanently deleted from my file.

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 2025-07-03 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 was a victim of identity theft, and I am requesting that fraudulent information be removed from my credit report. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), the credit bureaus are required to act swiftly and remove fraudulent accounts within 4 business days upon receipt of this request. Some of the disputed items are completely unknown to me, while others have been successfully removed by other credit bureaus, raising concerns regarding their accuracy and legitimacy. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$1400.00} ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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 am not in school. Someone has opened a school loan in my name without my permission

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 2025-07-03 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: PA

Complaint narrative:
I would like XXXX to investigate and update my account as current. There is a payment from XX/XX/year> that is not showing current which this Im not correct 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 non-monetary relief
Consumer complaint received 2025-07-03 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: PA

Complaint narrative:
I would like XXXX to investigate and update my account as current. There is a payment from XX/XX/year> that is not showing current which this Im not correct information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: IL

Complaint narrative:
I am disputing a {$4300.00} collection account reported by XXXX XXXX XXXX ( on behalf of XXXX XXXX XXXX XXXX  ) and verified by Equifax on XX/XX/year>. I previously submitted a dispute to Equifax on XX/XX/year>, including documentation proving the debt is inaccurate due to military relocation. 

My husband is XXXX XXXXXXXX and received official orders requiring us to relocate. I gave the apartment verbal notice in XXXX, returned keys on XX/XX/year> ( with photo documentation ), and provided his XXXX  as proof of XXXX XXXX. Despite this, the apartment sent the remaining lease balance to collections without providing an itemized breakdown or proper notice.

Equifax marked the debt as verified without explaining their method of verification. I requested details about their investigation and how the debt was verified but received no real answeronly that the balance was updated. This violates the Fair Credit Reporting Act and ignores protections under the Servicemembers Civil Relief Act ( SCRA ).

Im asking the CFPB to : Investigate how this debt was verified Hold Equifax accountable for failure to respond with verification details Remove this inaccurate and unfair debt from my credit report I have proof of key return, photos of the apartment, military orders, and evidence that the apartment knowingly ignored military relocation protections. 

I recently discovered that XXXX XXXX XXXX included a copy of a lease addendum in a XX/XX/year> email rejecting my XXXX  XXXX. This document appears to show that I agreed to Choice 1 a fixed early termination fee of {$3300.00} with initials beside the selection.

However, I never initialed this document, nor did I agree to Choice 1. The initials next to the selection are not mine. My only signature is at the bottom of the form, which is standard for the lease. I was never presented this form in person, and I was not made aware of its contents until reviewing that email more closely just recently.

This document appears to have been used to justify sending me to collections for a balance of {$4300.00} a figure that exceeds the stated {$3300.00} early termination fee and was submitted to Equifax through XXXX XXXX XXXX. 

This raises serious concerns about misrepresentation and the use of potentially unauthorized documents to report a collection. I am requesting a full investigation and immediate removal of this account from my credit report.

Company response to consumer: Closed with explanation