vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: CA

Complaint narrative:
My credit score recently dropped XXXX points because of a miscommunication with NelNet. The automatic payments on my loans had paused in 2020 but didn't automatically turn back on - apparently I had to manually reactivate them which I was unaware of. I believe a letter was sent out stating this but it went to an old address on file ( XXXX XXXX XXXX XXXX ) so we never received it. Due to these circumstances, I was recently granted forbearance by a NelNet rep and my account is back to good standing, but my credit is still way down.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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:
Experian and XXXX has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and XXXX inaction violates federal law and my rights as a consumer.

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 2025-03-25 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: IN

Complaint narrative:
I am writing to address a mistake in my previous complaint submission. Unfortunately, I mistakenly uploaded the wrong ID, which belonged to a friend of mine. Please accept my sincere apologies for the oversight. 

I have now attached the correct ID to this complaint, and I would like to reiterate the same dispute points and information from my previous submission. Kindly consider this as the final notice for the following inaccuracies and violations in my credit report. 

This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities.

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report.

Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. '' The attached document includes detailed information on the disputes and errors in my credit report, including the inaccurate personal information, unauthorized inquiries, and violations related to incorrect reporting.

I urge you to immediately investigate and remove the erroneous accounts and details from my credit profile in compliance with the law. This is your final notice to correct the information before I pursue legal action.

Thank you for your attention to this matter, and I trust that you will handle this promptly to avoid further escalation.

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 2025-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: DC

Complaint narrative:
I ordered products I never received and contacted cash app and never got my issue resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: MI

Complaint narrative:
Thank you for the opportunity to clarify the events surrounding my dispute with United Collection Bureau , Inc. ( UCB ), regarding an alleged debt originally from XXXXXXXX XXXX XXXX  ( Reference Number : XXXX, Account Ending : XXXX ). 

On XX/XX/year> after previously sending on XXXX, I sent UCB a formal debt validation request under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g. My letter requested specific documentation to validate the alleged debt. However, UCB failed to respond properly to this request. 

Instead of validating the debt as required by law, the original creditor, XXXX XXXX XXXX, sent generic and irrelevant documents, including a credit card agreement and general account terms, which do not fulfill the legal validation requirements under the FDCPA. 

In my letter, I specifically requested the following : A complete breakdown of the balance, including principal, interest, fees, and charges. 

Proof that the debt was legally assigned or sold to UCB, including a copy of the assignment or sale agreement. 

A signed agreement or contract proving I agreed to the alleged debt. 

A full record of payments and adjustments. 

Proof that the debt is still legally enforceable under Michigan 's statute of limitations. 

Documentation regarding the current credit reporting status, and proof the account has not been re-aged in violation of the Fair Credit Reporting Act ( FCRA ). 

As of today, UCB has failed to provide any of the requested documentation. Under the FDCPA, collection activity must cease until proper validation is provided. Their continued failure to comply represents a direct violation of federal consumer protection laws. 

This situation has caused confusion and concern, as I have not been given the information I am legally entitled to. Additionally, the failure to cease collections or respond appropriately has prompted me to escalate this matter to the CFPB for further investigation. 

I request that CFPB require UCB and/or XXXX XXXX Bank to provide full validation or remove all references to this alleged debt from any consumer credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: SC

Complaint narrative:
Complaint Against Experian for FCRA Violations and Improper Dispute Handling I am filing this complaint to report Experian 's failure to comply with the Fair Credit Reporting Act ( FCRA ) and properly address disputes regarding inaccuracies on my credit report. Despite multiple letters I sent to Experian, they have not complied with their obligations under 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681c ( c ). These inaccuracies have severely impacted my credit score and financial opportunities.Additionally, I recently became aware of the CFPB 's lawsuit against Experian for conducting " sham investigations '' into consumer disputes and reinserting previously removed inaccuracies. My experience aligns with these allegations, as Experian has failed to investigate my disputes thoroughly and has allowed errors to persist on my credit report. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC
State: GA

Complaint narrative:
I am disputing a debt reported by Aldous & Associates PLLC, which was allegedly transferred from XXXX XXXX XXXX XXXX. I was hospitalized during this time and have documentation to prove that I had no access to email or electronic communication and could not receive or respond to any notices. 

I never received a validation of this debt despite requesting it multiple times. This violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, which requires debt collectors to provide full verification of the debt upon request.

I also never gave Cottage Row permission to assign or sell my account to a third-party collector. This unauthorized transfer is a violation of my consumer privacy and possibly my HIPAA rights, as this situation involves my protected medical status during the time the alleged debt collection process began. 

I have never agreed to pay Aldous & Associates, and they have provided no proof of a valid contract or agreement that binds me to them. No legally binding terms or signed agreements were ever presented. 

This collection account was reported to my credit file without my consent, without proper notice, and without validation. It has caused damage to my credit and personal hardship. I am requesting this account be removed immediately from all credit reporting bureaus until it is fully validated, and that an investigation be opened into how this debt was transferred and reported without proper documentation or legal authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
XXXX stated i did not turn in equipment and have a bill. But the XXXX workers came and picked up the equipment XXXX at Harris and Harris states she will be closing account this call was being recorded Harris and Harris also attempted to collect on a debt that is in accurate and stated I had to make a payment before they would dispute

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: NJ

Complaint narrative:
This complaint is regarding the violation of my rights under the Fair Credit Reporting Act ( FCRA ) by Experian. 

On XX/XX/year>, I sent a letter to the courthouse inquiring whether they report bankruptcies to credit bureaus. In response, I received a letter stating : " We do not report any bankruptcies to anybody. '' If this is the case, then per FCRA 623 ( a ) ( 5 ) : " If the Credit Bureau can not validate the information with the original creditor, they must remove said information from the consumer credit file. '' Furthermore, under FCRA Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verifythrough physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public records you report. Failure to do so allows for the possibility of fraudulent or erroneous information being added to consumer credit files. 

Given these legal provisions, I demand the immediate deletion of the following unauthorized public record from my credit report : Bankruptcy Reference Number : XXXX Violations of Federal Consumer Protection Laws : 1.- 15 U.S.C. 1681a ( 4 ) - Privacy Rights : The verification process used does not comply with the privacy protection requirements outlined in this section. My right to privacy under the FCRA has not been upheld.

2.- 15 U.S.C. 1681b ( 2 ) - Permissible Purposes : Any information used to verify the bankruptcy must be obtained for permissible purposes and through legally compliant procedures. The verification process failed to meet these standards.

3.- 15 U.S.C. 609 ( a ) ( 1 ) ( A ) - Consumer Rights : I have the right to request the removal of inaccurate or unverifiable information from my credit report. Your response has not sufficiently addressed the inaccuracies or provided valid justification for retaining this record. 

4.- 15 U.S.C. 609 ( a ) ( 2 ) - Proof of Verification : I am entitled to request proof of the verification of the bankruptcy record. The verification provided was insufficient and does not meet the legal requirements for proving its accuracy and legitimacy.

Violation of the Truth in Lending Act ( TILA ) Under 15 U.S.C. 1601 ( TILA ), all credit information must be accurate and transparent to protect consumer rights. The failure to provide proper proof of verification and the apparent disregard for my rights under the FCRA indicate a violation of federal consumer protection laws.

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 2025-03-25 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: CO

Complaint narrative:
There are multiple inaccuracies on my credit report that must be removed without delay. Some contain incorrect details that do not match my records, others are entirely unfamiliar, and several have been reported without proper verification. These discrepancies violate the FCRA, which requires all information to be 100 % accurate and backed by legitimate documentation. 

To resolve this matter fairly, I demand that all inaccurate items be permanently removed from my credit report. If the reporting entities can not provide legitimate proof confirming their accuracy, they have no legal right to remain on my file. I expect immediate corrective action to restore the integrity of my credit profile.

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 2025-03-25 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: CA

Complaint narrative:
There are multiple inaccuracies on my credit report that must be removed without delay. Some contain incorrect details that do not match my records, others are entirely unfamiliar, and several have been reported without proper verification. These discrepancies violate the FCRA, which requires all information to be 100 % accurate and backed by legitimate documentation. 

To resolve this matter fairly, I demand that all inaccurate items be permanently removed from my credit report. If the reporting entities can not provide legitimate proof confirming their accuracy, they have no legal right to remain on my file. I expect immediate corrective action to restore the integrity of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-25 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-25 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: GA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-03-25 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: FL

Complaint narrative:
I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax Credit Bureau. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 
Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: GA

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2025-03-25 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: NV

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX XX/XX/XXXX {$600.00} XXXX XXXX XXXX XX/XX/XXXX {$11000.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief