vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MS

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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:
I am filing a formal complaint against Experian, Equifax, and TransUnion for knowingly reporting inaccurate, fraudulent, and unverifiable information on my consumer credit reports in violation of the Fair Credit Reporting Act ( FCRA ). 
Despite my attempts to correct these records, the credit bureaus have continued to publish the following : Fraudulent tradelines from XXXXXXXX XXXX and XXXX XXXX, which I did not authorize, open, or use. These accounts are the result of identity theft. 
Reinserted derogatory entries from XXXX XXXX, without required notice, violating FCRA XXXX ( a ) ( XXXX ) ( B ). 
Duplicate and inflated student loan reporting from XXXX XXXX Dept of Education, which misrepresents my balance and credit risk. 
Inaccurate personal information, including names and addresses not connected to me a red flag for file mixing. 
Unauthorized hard inquiries made without permissible purpose under FCRA 604.

I have submitted written disputes to all three bureaus along with a police report and an FTC Identity Theft Affidavit, pursuant to FCRA 605B. I have demanded that these fraudulent accounts and inquiries be blocked and removed immediately.

The ongoing reporting of this harmful information has resulted in : Emotional distress Denied credit opportunities Damaged reputation Increased financial scrutiny I am requesting the CFPB to intervene and ensure full compliance by the credit bureaus. This includes : Full deletion of all fraudulent and disputed accounts Immediate removal of unauthorized inquiries Permanent correction of my personal information Written confirmation of investigation results These violations are clear, well-documented, and supported by evidence I am prepared to submit. I am seeking immediate corrective action and potential statutory relief.

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 2025-04-23 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: FL

Complaint narrative:
I am filing a formal complaint against Experian, Equifax, and TransUnion for knowingly reporting inaccurate, fraudulent, and unverifiable information on my consumer credit reports in violation of the Fair Credit Reporting Act ( FCRA ). 
Despite my attempts to correct these records, the credit bureaus have continued to publish the following : Fraudulent tradelines from XXXXXXXX XXXX and XXXX XXXX, which I did not authorize, open, or use. These accounts are the result of identity theft. 
Reinserted derogatory entries from XXXX XXXX, without required notice, violating FCRA XXXX ( a ) ( XXXX ) ( B ). 
Duplicate and inflated student loan reporting from XXXX XXXX Dept of Education, which misrepresents my balance and credit risk. 
Inaccurate personal information, including names and addresses not connected to me a red flag for file mixing. 
Unauthorized hard inquiries made without permissible purpose under FCRA 604.

I have submitted written disputes to all three bureaus along with a police report and an FTC Identity Theft Affidavit, pursuant to FCRA 605B. I have demanded that these fraudulent accounts and inquiries be blocked and removed immediately.

The ongoing reporting of this harmful information has resulted in : Emotional distress Denied credit opportunities Damaged reputation Increased financial scrutiny I am requesting the CFPB to intervene and ensure full compliance by the credit bureaus. This includes : Full deletion of all fraudulent and disputed accounts Immediate removal of unauthorized inquiries Permanent correction of my personal information Written confirmation of investigation results These violations are clear, well-documented, and supported by evidence I am prepared to submit. I am seeking immediate corrective action and potential statutory relief.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: FL

Complaint narrative:
Hi good evening am getting a how lot of letter and they are making my credit bad. I don't know this company i have never done any business with this company. I need this company to send me the contract that i sign. I need this company stop reporting on my credit and remove all negative payment. This company is a fraud they are damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and I noticed some hard inquiries that I do not recognize or were made in error. According to 15 USC 1681B a credit inquiry may only be made under certain circumstances and for permissible purposes. Additionally, under 15 USC 1681i, I have the right to dispute inaccurate information on my credit report. The following hard inquiries were not authorized by be and I request that they be removed from my credit report immediately. 
Disputed Inquiries EXPERIAN XXXXXXXX XXXX XXXX XXXX XXXXXXXX,

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently pulled my credit report & found some inaccurate accounts that were reporting. I have made a list of all of the inaccurate accounts that I would like removed. I am in the process of getting my first home for my family. Please review all of the my documents and remove the accounts that are list.

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/year> I sent of a dispute to the credit bureau. Today is XX/XX/year>. Not only did I not get any type of response, but the errors also still remain on my credit report and the accounts I've requested be validated - well XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Global Lending Services LLC
State: DC

Complaint narrative:
XXXX contract is a fraudulent contract, the terms on my credit report is XXXX  months while the terms on my contract is XXXX, it also has a forged signature. This account should be removed from my credit report due to its fraudulent actions and the multiple inaccuracies. I request that Global Lending Service verify its term on the contract to the terms on my credit report, if these terms are different, I ask that this account be deleted from all credit bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: NY

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My account with XXXX XXXX AND XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX AND XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

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 2025-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
Under the FCRA primarily sections 607 and 609 states the requirement for credit reporting agencies to ensure the accuracy of the information they report.This is not my debt and the account was already removed from my credit report due to being inaccurate or unverifiable.Im also aware that if a collection account is improperly re-added without following the legal requirements, it may constitute a violation of the FCRA, and that I have grounds for legal action.I was never made aware of this account potentially being re-added to my report which from my understanding should I have had.Im request that this account to be removed for it is not mind or must provide validation of the debt.

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: LA

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-04-24 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: Maximus Federal Services, Inc.
State: CO

Complaint narrative:
I would like to dispute my student loans seeing how XXXX XXXX has/had accessed the XXXX XXXX XXXX without my consent. Because, he had access to my information that is a breach of our confidentiality. Due to the The Family Educational Rights and Privacy Act, FERPA, and HIPPA protects the confidentiality of student records. This breach is a clear violation of above mentioned privacy acts and your responsibility to safeguard my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Dear XXXX XXXX XXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : The name and address of the original creditor and the current creditor.

Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

Proof that the original creditor securitized the debt.

Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. A copy of previous signed lease agreements and payment ledger to XXXX XXXX XXXX  does not constitute validity of debt owed to XXXX XXXX XXXX under the laws of the FDCPA.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus as I have never entered into a third-party contract with XXXX. If this debt has been reported to my credit bureaus it must be removed immediately.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: UPGRADE, INC.
State: NY

Complaint narrative:
I received a pre-approval email from Upgrade and was presented with an offer for a {$15000.00} credit line. I reviewed the offer page, and within 30 minutes I accepted the terms shown. The approval screen clearly stated a {$15000.00} limit, which I was excited to use to support my credit utilization and financial planning.

However, after completing the application and consenting to a hard credit inquiry, the offer was suddenly reduced to {$2000.00} without warning. I was surprised and disappointed, as there were no changes to my credit profile in the short time between viewing and accepting the offer.

Had I known the line would be only {$2000.00}, I would not have proceeded with the application or authorized the inquiry. I understand that final underwriting decisions can vary, but the size of this change, especially after a clearly stated approval, felt misleading and created a hard inquiry without delivering on the offered terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau : I am writing to request supervisory escalation of my complaint # XXXX regarding improper student loan administration, which was filed on XX/XX/year>. Case number # XXXX Despite filing my initial complaint over XXXX weeks ago and subsequent follow-ups on XX/XX/XXXX and XX/XX/year>, I have not received substantive response addressing the serious issues raised. This matter involves urgent and escalating financial harm affecting both my business operations and employee livelihoods. 

My complaint details how XXXX XXXX XXXX 's administrative negligence directly resulted in improper federal loan disbursement of {$6200.00}. The college erroneously recorded me as absent despite my consistent attendance AND maintained incorrect contact information, preventing me from receiving any notifications of academic issues. 

I only discovered this improper loan recently when denied business credit necessary for business operations. As a direct result, I am unable to : - Access necessary business credit - Meet payroll obligations for my employees- Maintain basic business operations The CFPB has jurisdiction over this matter as it involves improper credit reporting based on administratively deficient records. Under 12 CFR 1022.43, I am entitled to a reasonable investigation of disputed information appearing on my credit report. 

For your awareness, this matter is also under review by : - Department of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I respectfully request immediate supervisory review and response within XXXX business days given the significant financial impact. 

Sincerely, XXXX XXXX XXXX XXXX CFPB Complaint # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: LA

Complaint narrative:
I have reached out on numerous occasions in the prior years disputing falsely verified information. In the years XXXX & XXXX, my personal information was exposed in numerous data breaches including but not limited to Equifax Data Breach & XXXX XXXX XXXX XXXX XXXX  data breach . I have not received any of the false reporting evidence removed instead verified.

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