vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I am requesting a full review of my private student loan ( Loan # XXXX, serviced by Nelnet/Firstmark Serviced XXXX XXXX XXXX 
The loan was originally disbursed in XXXX with an interest rate that is now listed as 10.99 % variable. 
My concern is that the interest rate has been applied inconsistently and may have resulted in years of improper interest accrual. 
I am requesting a detailed interest rate history, an explanation of how my current balance was calculated, and correction if any errors are found. 
Requested Resolution : Correction of any misapplied interest and adjustment of my balance accordingly. 
If errors are found to have significantly increased my balance, I request cancellation or reduction of the loan to reflect the accurate principal and interest owed. 
Consideration of hardship relief, including potential settlement options or interest rate reduction, given the length of time the loan has been active ( over 12 years since origination ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

Account Name : XXXX XXXX XXXX XXXX -Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX # XXXX -Date Opened XX/XX/XXXX Account Name : XXXX # XXXX -Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX # XXXX -Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XX/XX/XXXX Account Name : XXXX  # XXXX -Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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: CT

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

Account Name : XXXX XXXX # XXXX -Date Opened XX/XX/XXXX -Balance {$800.00} Account Name : XXXX # XXXX -Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX -Date Opened XX/XX/XXXX -Balance {$14000.00} Account Name : XXXX XXXX XXXX # XXXX -Date Opened XX/XX/XXXX -Balance {$1100.00} Account Name : XXXX XXXX  # XXXX -Balance {$690.00} XXXXDate Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX/XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
I am writing in response to a collection notice I received from your company. This letter is sent in accordance with my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ).

I request that you provide validation of the alleged debt, including : 1. The name and address of the original creditor 2. The amount of the alleged debt, including a breakdown of any interest, fees, or charges 3. Documentation proving that I am legally obligated to pay this debt 4. A copy of the original signed agreement or contract ( if applicable ) 5. Proof that Spring Oaks Capital is authorized to collect on this debt Until you provide this information, I request that you cease all collection activities and refrain from reporting this account to any credit reporting agency There are 3 accounts being referenced XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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: AZ

Complaint narrative:
I pay Experian to monitor my credit and alert me of any negative issues. That is also to include updating balances on revolving credit cards. I recently paid all my revolving accounts down to almost zero balance. I understand it is a process and the reporting from the lender can take 30 days or more. The balances are continually being paid to XXXX or close, such as {$5.00} to {$100.00} with some credit reductions of more than {$6000.00}. Some accounts are less with {$2500.00} maximum credit, paid down to {$5.00} to {$100.00}. 
The balances are not reflective of my credit debt. My credit score has not changed more than a 5 % to 10 % increase, even though my debt has been reduced considerably. 
This inaccurate reporting is causing me financial distress due to not being able to secure low interest loans for my business.

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 2025-09-06 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: NC

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. 

Disputed Accounts : XXXX - XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$17000.00} XXXX - XXXX - XX/XX/XXXX - {$100.00} XXXX - XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: NY

Complaint narrative:
This morning, I was shocked to see that the inaccurate accounts are still showing on my credit report. I refreshed the page multiple times thinking it was just a system glitch, but the accounts remained. I am extremely frustrated, and I demand that the documents I already provided be carefully reviewed immediately so this issue can finally be resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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: NY

Complaint narrative:
I can not believe the inaccurate accounts are still showing on my credit report this morning. I refreshed my browser hoping it was only a temporary error, but they never disappeared. This has caused me a great deal of frustration, and I need urgent action taken by reviewing the documents I already sent to ensure this issue is corrected immediately.

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 2025-09-06 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: NY

Complaint narrative:
My account with XXXX, XXXX CARD, XXXX, XXXX XXXX, AND 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX, XXXX CARD, XXXX, XXXX XXXX, AND 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Westcreek Financial
State: OH

Complaint narrative:
This complaint is in addition to a previous complaint i filed. Complaint # XXXX against Koalafi. My due date for the loan payment is on the XXXX of the month. The payments are auto pay. On XX/XX/XXXX, Koalafi attempted to withdrawal an additional {$110.00} from my account, which caused my bank account debt card to get locked, stopping me from making any electronic transactions and atm transactions and now i have to wait for another atm card to come in the mail which has caused a HUGE inconvenience for me, not to mention overdraft charges because i cant deposit any money to my acct to cover any of my auto pay charges. Koalafi did not have permission to collect any money from my acct on any other day but the XXXX. Now, they do not have permission to collect any money from my acct at all. I will be contacting an attorney to see what my options are in regards to this account and a possible class action lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: CA

Complaint narrative:
I submitted factual disputes to Experian regarding negative accounts that I do not recognize and that contain reporting errors. Under FCRA Section 611, Experian is required to conduct a reasonable reinvestigation and delete any information that can not be verified. Despite this legal obligation, Experian has continued to report these accounts on my credit file, even though they remain unverified and inaccurate. This constitutes non-compliance with the FCRA.

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 2025-09-06 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: IL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 2025-09-06 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
Date : XX/XX/year> LVNV Funding LLC [ Address from your credit report ] Subject : Cease and Desist Account ( Original Creditor : XXXX XXXX Bank ) To Whom It May Concern, I am formally notifying you, under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), that you must immediately cease all communication with me regarding the above-referenced account. 
Any further attempts to contact me by phone, mail, or email will be considered harassment and in direct violation of federal law. You are permitted only to provide a single final notice that you are ceasing collection efforts, or to notify me of specific legal action, as allowed by statute. 
Failure to comply will result in documentation of violations and may lead to legal action against LVNV Funding for harassment and FDCPA violations.

Please update your records accordingly and confirm in writing that you will cease all further communications regarding this account. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 2025-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I opted out of automatic increases to my credit line & BOFA increased my line randomly XXXX day. I had finical hardships and they wouldn't not work with me and I defaulted on my card & they closed and sold my account to collections. I received no communications about an increase nor any about a potential closure/defaulting. I've tried contacting them to get told I 'consented " to this increase & they can't do anything since they sold my defaulted line to a collection agency.

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 2025-09-06 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: DC

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. CXXXXe XXXX ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. CXXXXe XXXX ( XXXX ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX  days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-09-06 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: CA

Complaint narrative:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. It was really stressful and hurtful to find out that someone took advantage of my good relationships with banks and applied for cards. I found fraudulent accounts and inquiries on my credit report. Please dispute and remove listed fraudulent accounts from my credit report ADS XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADS XXXX XXXX XXXX XXXX XXXX XXXX ADS XXXX XXXX XXXX XXXX BANK 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 2025-09-06 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: OH

Complaint narrative:
So i have sent multiple disputes to Experian, Equifax and TransUnion with no update over months and disputes still lingering. I asked for accounts to be verified and updated as well as certain thing ch e checked for accuracy. I have received no update as well as it being all 3 bureaus. Whatever they are doing or NOT doing is hurting my credit score. Very bad to where I believe it shouldn't be and accounts are being reported wrong or not updated in a timely manner. If theses things cant be verified or updated in a certain windows then I have the right to have them removed. Please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation