vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 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: FL

Complaint narrative:
Subject : Formal Request for Investigation and Removal of Illegally Reinserted Information Dear Sir or Madam : I am writing as a consumer negatively affected by the reinsertion of a previously deleted account on my credit reports, without the required legal notification under the Fair Credit Reporting Act ( FCRA XXXX ( a ) ( XXXX ) ( B ) ). The account in question appears as : - XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) - Reported as " Charge-Off / Collection '' with a {$0.00} balance and last activity in XXXX 
This account was previously removed from my credit reports and has now been reinserted without written notice within the 5-day period required by law. This action directly violates my rights under the FCRA. In addition : - The account shows a {$0.00} balance, which does not justify its continued reporting as an active charge-off.

- The account was transferred to another lender, according to your own records ( " Purchased by another lender '' ), and therefore should be removed or corrected. 
- XXXX has correctly removed the account, while TransUnion and Equifax continue reporting inconsistent and unfair information. 
This information is directly harming my ability to obtain fair credit, reasonable interest rates, and financial opportunities for myself and my family. As a community leader and responsible mother, these unjust marks are affecting my goals for personal growth and financial stability. This situation causes me ongoing stress and anxiety, as I have worked hard to maintain a clean credit history.

Based on the FCRA and my rights as a consumer, I am formally requesting the following : 1. Immediate removal of this account from my TransUnion and Equifax reports.

2. A formal investigation and a written statement explaining the results and actions taken.

3. Cease any unauthorized reinsertion of previously deleted information.

If this request is not resolved within the legal 30-day period, I reserve the right to file a formal complaint with the CFPB, the FTC, and my State Attorney General

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: LA

Complaint narrative:
Nelnet reported a XXXX late payment on my student loan in XXXX. I only found out after my credit score dropped over XXXX points. When I contacted Nelnet, they admitted that the address on file was incorrect, which meant I never received any notice that the loan had exited forbearance in XXXX. I was not avoiding repayment, I simply didnt know a payment was due. I had no idea the forbearance had ended and was unaware of the delinquency. 

Nelnet claims they called me, but I did not receive clear or official written notice, and their attempt to contact me at an outdated address is not a valid excuse to justify this massive credit damage. I have since updated my information and am taking steps to correct the issue. 

Im requesting that the XXXX late mark be removed as a goodwill adjustment or on the basis that fair notice was not provided. This is an unjust hit to my credit and is inconsistent with responsible loan servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: CA

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 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 2025-05-13 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: IL

Complaint narrative:
THIS BANKRUPTCY RECORD IS NOT MINE AND HAS BEEN REPORTED IN ERROR. ITS INCLUSION ON MY CREDIT REPORT IS INACCURATE, MISLEADING, AND IS CAUSING SIGNIFICANT EMOTIONAL DISTRESS. I AM FORMALLY REQUESTING THE IMMEDIATE AND PERMANENT REMOVAL OF THIS FRAUDULENT ENTRY FROM MY CREDIT FILE. PROMPT ACTION IS REQUIRED TO RECTIFY THIS SERIOUS ERROR. SEE THE ATTACHED DOCUMENT FOR VERIFICATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: GA

Complaint narrative:
XXXX XXXX XXXX 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. 

CHRYSLRCAP - XX/XX/XXXX - {$36000.00} XXXX - XX/XX/XXXX - {$0.00} XXXX  - XX/XX/XXXX - {$55.00} XXXXXXXX XXXX XXXX - XX/XX/XXXX - {$4700.00} XXXX XXXX - XX/XX/XXXX - {$8600.00} XXXX XXXX XXXX - XX/XX/XXXX - {$460.00} XXXX XXXX - XX/XX/XXXX - {$150.00} XXXX - XX/XX/XXXX - {$910.00} XXXXXXXX XXXX XXXX XX/XX/XXXX - {$3700.00} XXXX - XX/XX/XXXX - {$820.00} XXXX XXXX XXXX - XX/XX/XXXX - {$130.00} XXXX XXXX - XX/XX/XXXX - {$2900.00XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$360.00} XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX - XX/XX/XXXXXXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX  - XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: RI

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 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 2025-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: LA

Complaint narrative:
The company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX hey call me probably three or four times a day. I requested invoice with my signature or my wifes signature on. It been doing this for the last couple years and they yet send me something approve that we made a bill. They cant get me the invoice cant tell me what was bought where at or any information other than I just owe those amounts I just think its kind of fishy. Ive gave them guys all the information that yall requested and it just they just cant get me the invoice where I purchased something on my wife purchase nothing for my bills go Im 100 % paying all my bills all the time Im never late this is something that I dont know nothing about.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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 writing to formally dispute my federal student loans and request a full discharge due to a serious breach of my personal and financial information. My information was compromised without my consent, which violates multiple federal laws designed to protect student records and personal privacy. Under these circumstances, I request immediate cancellation and discharge of my student loan debt in full, as my rights have been severely violated. Below are the key reasons for my request : Violation of the Family Education Rights and Privacy Act ( FERPA ), my student records disclosed without my permission, violating FERPAs strict confidentiality protections. Breach of the Privacy Act of XXXX. My personal and financial information was improperly accessed and shared without my consent violating my privacy rights under federal law. Violation of the Higher Education Act. As a student loan borrower, my information should have been protected, but the mishandling of my data demonstrates failure to uphold these legal protections. The Federal agencies responsible for safeguarding my data failed to do so, putting my financial security at risk, and disclosed my information to third parties without my consent. 

Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: National Credit Systems,Inc.
State: OH

Complaint narrative:
National credit systems has this charge for XXXX on my credit report for a property that I once lived at they say that i destroyed their property which i have a video the day that i Moved out that nothing was wrong with their unit it was time stamped and dated by the private cleaning company. I have tried to reason with the company and have proof that di did not need any co signer I had a XXXX credit score the time of move in XX/XX/year> I didn't need a co signer they have given me multiple reasons of why it was charged. National credit systems says that it was added due to property damage, I have a video stating otherwise I have a letter from the original property manager that they moved me into a unit that was not new or that all the items in the unit was at least 2 years or more older

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: RI

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: EdFinancial Services
State: MO

Complaint narrative:
I am writing to you today in regards to the recent visit I made to the XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX. During this visit I requested to file a police report regarding Identity theft & fraud, specifically an educational financial account that was opened with my information. 
On XX/XX/XXXX, I was informed by XXXX  and XXXX XXXX that an account with ED Financial had been opened under my name. This account was in fact not opened by me but fraudulently by someone who had obtained my identity i.e. social security number and DOB. 
Shortly after I filed a dispute with Equifax and Transunion. On XX/XX/XXXXXXXX XXXX provided the results of their investigation ( See Attached ) and unfortunately due to the fraudulent party having my DOB and SSN they determined this account was in fact mine. Of course, this is false. 
My next step was than to contact ED Financial directly which I did on XX/XX/XXXX. The information on the account was fraudulent other than my name and SSN. The original information on the account is detailed below. However, in order to start the dispute with ED Financial I was required to open an online account with them and update the account with my correct address, phone and email so they could mail me a fraud packet. 
Both reporting agencies and ED Financial require I upload a police report to further my investigation with them. 

Original Address On File : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Original Number on File : XXXX Original Email on File : XXXX References on the account : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Name of School : XXXX XXXX XXXXXXXX Date Loan Requested : XX/XX/XXXX Date of Loan Maturation : XXXX XX/XX/XXXX Current Loan Total : {$3500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Colony Brands, Inc.
State: CA

Complaint narrative:
I am attempting to settle a debt with Ginnys. I have made several calls and left several messages, but the company has not answered its phone or returned my calls. I have no other means to pay off this debt unless they answer or return my call with information on how to settle it. I have the money to pay off the debt, but I am unable to do so because the company, Ginnys, has failed to contact us.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I submitted a formal dispute to the credit reporting agency and/or furnisher regarding fraudulent and inaccurate information on my credit report due to identity theft. Along with the dispute, I provided a valid and official Identity Theft Report in accordance with FCRA 605B, which requires credit bureaus and furnishers to block fraudulent information within 4 business days of receiving such a report.

Despite providing the Identity Theft Report, the disputed items have not been removed, nor have I received : A proper investigation An explanation of the verification process Any documentation used to verify the accounts The company is in violation of its legal obligation to block the fraudulent items upon receipt of my Identity Theft Report. They have not requested any further documents from me and have failed to comply with the FCRA timeframes and procedures.

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 2025-05-13 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: NY

Complaint narrative:
I submitted a formal dispute to the credit reporting agency and/or furnisher regarding fraudulent and inaccurate information on my credit report due to identity theft. Along with the dispute, I provided a valid and official Identity Theft Report in accordance with FCRA 605B, which requires credit bureaus and furnishers to block fraudulent information within 4 business days of receiving such a report.

Despite providing the Identity Theft Report, the disputed items have not been removed, nor have I received : A proper investigation An explanation of the verification process Any documentation used to verify the accounts The company is in violation of its legal obligation to block the fraudulent items upon receipt of my Identity Theft Report. They have not requested any further documents from me and have failed to comply with the FCRA timeframes and procedures.

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc.
State: IL

Complaint narrative:
CFPB Complaint Against Nelnet , Inc . 
Complaint Summary : I am filing this complaint against Nelnet , Inc. for failure to comply with the Fair Credit Reporting Act ( FCRA ) and for furnishing inaccurate or unverifiable information to Equifax, Experian and TransUnion. 

Nelnet is reporting a tradeline on my Equifax, Experian and TransUnion credit file that is inaccurate, not verified with proper documentation, and was confirmed as verified without disclosing any basis of proof or method of verification. I have no knowledge of this account, have disputed it, and have asked repeatedly for proof that it belongs to me. 
Violations Committed by Nelnet , Inc. : XXXX. Failure to conduct a reasonable investigation as required under FCRA 623 ( b ) ( 1 ) after receiving notice of dispute from Equifax ; XXXX. Failure to provide documentation or original source proof that I opened or owe the alleged account ; XXXX. Continuing to furnish disputed information that it either knows or should reasonably know is inaccurate in violation of FCRA 623 ( a ) ( 1 ) ( A ) ; XXXX. Providing incomplete or misleading results of investigation to Equifax and CFPB without proper validation ; XXXX. Acting in bad faith by confirming the account without resolving the substance of the dispute. 
Harm Suffered : Due to this account being reported and verified by Nelnet : - My credit score has been harmed ; - I have been denied credit and housing ; - My reputation has been damaged ; - I am suffering ongoing financial and emotional harm due to the false credit reporting. 
. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: WA

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off.

The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 
Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief