vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: CA

Complaint narrative:
From XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX Phone XXXX XXXXXXXX Date of Birth XXXX XXXXXX/XX/XXXX SSN ( Last XXXX Digits ) : XXXX Date : XX/XX/XXXX Subject : Formal Complaint Nelnet FCRA Violations and Inaccurate Credit Reporting by XXXX, XXXX, and XXXX  Dear CFPB XXXX XXXX XXXX, I am submitting a formal complaint regarding inaccurate credit reporting and noncompliance with the Fair Credit Reporting Act ( FCRA ) by both Nelnet and the XXXX credit bureaus ( XXXX, XXXX, and XXXX  ). 
Multiple student loan accounts previously serviced by Nelnet are inaccurately reported with derogatory XXXX  Was XXXX marks dated XX/XX/XXXX, despite being paid in full through federal consolidation between XXXX and XXXX. These marks are materially misleading and have significantly impacted my XXXX XXXX. 
Nelnet has refused to submit factual corrections to the credit bureaus, even when the accounts are demonstrably paid and the derogatory marks are inaccurate. This refusal violates : FCRA 623 ( a ) ( 8 ) : Furnishers must investigate and correct disputed information upon direct notice from the consumer FCRA 623 ( b ) ( 1 ) : Furnishers must conduct a reasonable investigation and correct or delete unverifiable information FCRA 623 ( a ) ( 1 ) ( A ) : Prohibits reporting information known to be inaccurate The credit bureaus continue to report XXXX  Was XXXX marks despite showing Paid/As Agreed and {$0.00} balances. These marks were applied retroactively and simultaneously across multiple accounts, suggesting a batch reporting errornot a legitimate delinquency. This violates : FCRA 611 ( a ) ( 5 ) ( A ) : Requires deletion of unverifiable information FCRA 623 ( a ) ( 5 ) : Closed, paid accounts must not reflect derogatory status unless verified and accurate Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Timeline : XXXX : Loans paid in full via federal consolidation XX/XX/XXXX : XXXX Was XXXX marks appear across all accounts XX/XX/XXXX : Nelnet confirms they no longer submit corrections XX/XX/XXXX : CFPB complaint initiated Requested Resolution : Investigate Nelnets refusal to submit dispute corrections Require Nelnet to comply with FCRA 623 ( a ) ( 8 ) and 623 ( b ) ( 1 ) Direct XXXX, XXXX, and XXXX  to remove the inaccurate XXXX  Was XXXX marks Ensure updated tradeline data reflects accurate payment history Provide written confirmation of corrective actions taken These inaccurate marks were caused by administrative delays in the federal consolidation processnot borrower delinquency. I am prepared to provide supporting documentation upon request. 
Thank you for your prompt attention. I expect a written response within XXXX  days as required by law. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-11-17 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: MI

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-11-17 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: PR

Complaint narrative:
These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. 

XXXX XXXX ( Bank ) XX/XX/scrub> 2025XX/XX/XXXX ( Bank ) XX/XX/year>2025 XXXX ( Finance ) XX/XX/year> XXXX ( Finance ) XX/XX/year> 2025

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 2025-11-17 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: EQUIFAX, INC.
State: PR

Complaint narrative:
These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. 

XXXX XXXX ( Bank ) XX/XX/scrub> 2025XX/XX/XXXX ( Bank ) XX/XX/year>2025 XXXX ( Finance ) XX/XX/year> XXXX ( Finance ) XX/XX/year> 2025

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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:
The FTC portal is currently unavailable due to the government shutdown, so I am submitting my sworn identity-theft declaration directly to the CFPB and the credit reporting agencies.

This complaint concerns Experian, Equifax, and TransUnion collectively, as all three credit reporting agencies are reporting fraudulent accounts, inaccurate personal information, and data resulting from identity theft and a documented data breach. My sworn identity-theft declaration applies to all three bureaus.

This declaration is being submitted under 15 U.S.C. 1681c-2 ( FCRA 605B ) and 28 U.S.C. 1746 as a sworn statement of identity theft.

The accounts, inquiries, addresses, and information listed on my credit report do not relate to any transaction or activity by me. These items appeared on my report without my authorization and are the result of identity theft.

I have attached : My sworn identity-theft declaration My police report Screenshots proving a data breach involving my personal information Proof of identity Despite providing evidence, the fraudulent accounts and incorrect personal information continue to appear on my credit report, causing harm to my credit, housing opportunities, and financial stability.

I am requesting CFPB intervention to ensure full compliance with the FCRA because the bureaus and furnishers have failed to properly investigate or block the fraudulent data as required by law.

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 2025-11-17 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:
The FTC portal is currently unavailable due to the government shutdown, so I am submitting my sworn identity-theft declaration directly to the CFPB and the credit reporting agencies.

This complaint concerns Experian, Equifax, and TransUnion collectively, as all three credit reporting agencies are reporting fraudulent accounts, inaccurate personal information, and data resulting from identity theft and a documented data breach. My sworn identity-theft declaration applies to all three bureaus.

This declaration is being submitted under 15 U.S.C. 1681c-2 ( FCRA 605B ) and 28 U.S.C. 1746 as a sworn statement of identity theft.

The accounts, inquiries, addresses, and information listed on my credit report do not relate to any transaction or activity by me. These items appeared on my report without my authorization and are the result of identity theft.

I have attached : My sworn identity-theft declaration My police report Screenshots proving a data breach involving my personal information Proof of identity Despite providing evidence, the fraudulent accounts and incorrect personal information continue to appear on my credit report, causing harm to my credit, housing opportunities, and financial stability.

I am requesting CFPB intervention to ensure full compliance with the FCRA because the bureaus and furnishers have failed to properly investigate or block the fraudulent data as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-11-17 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: KS

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute. 

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

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 2025-11-17 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: CO

Complaint narrative:
asked company to remove accounts that didn't belong to me< that i did not open and it wasn't resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I sent this letter TO EXPERIAN on XX/XX/XXXX, XXXX they recieved via certified mail on XX/XX/year> to the address Experian national consumer assistance center XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Final Escalation Illegal Bankruptcy Reporting To Whom It May Concern, This is my FINAL NOTICE to Experian regarding the XXXX XXXX XXXX being illegally reported on my file. I have already provided full proof of my identity ( Social Security card, drivers license, utility bill ), sent via certified mail # XXXX and delivered/signed on XX/XX/year>. Experian acknowledged receipt. Additionally, I submitted a signed letter from the XXXX XXXX  XXXX XXXX XXXX confirming that the court does NOT furnish, verify, or authorize reporting of consumer records to any credit bureau. 
Despite this irrefutable proof, Experian continues to report this bankruptcy using XXXX as the only source. XXXX is not an original furnisher and has no legal authority to verify my XXXX. Reporting unverifiable data is a direct violation of FCRA 611 and constitutes willful noncompliance.

Therefore, you are hereby DEMANDED to delete this bankruptcy entry within FIFTEEN ( 15 ) DAYS of receipt of this letter. Experian is further placed on notice that any additional stall tactics, duplicate requests for identification, or continued reporting of this unverifiable bankruptcy will be treated as intentional violations of federal law. If this information is not removed, I will immediately escalate by filing complaints with the CFPB, FTC, XXXX, and the Attorney Generals office. I am also prepared to pursue civil action against Experian for damages, attorneys fees, and statutory penalties. 
This is your FINAL OPPORTUNITY to comply. 
Sincerely, XXXX XXXX NOTHING WAS DONE TO FIX 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 explanation
Consumer complaint received 2025-11-17 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: IL

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-11-17 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: CT

Complaint narrative:
I recently did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S.C. 1681c-2 requires that credit reporting agencies block fraudulent information within four ( 4 ) business days of receiving proof of identity theft, which I have provided in the form of my FTC Identity Theft Report. Per 15 U.S.C. 1681g ( a ), consumers have the right to complete and accurate data reporting. 15 U.S.C. 1681e ( b ) : Responsibility to ensure maximum accuracy. 15 U.S.C. 1681n and 1681o outline liability for failure to comply with these requirements, including potential damages for willful or negligent violations. Please immediately delete and block the following fraudulent items from my credit report. 
XXXX XXXX : Account number XXXX XXXX  : Account number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review.

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 2025-11-17 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: MOHELA
State: CA

Complaint narrative:
I am formally disputing the MOHELA/XXXX  accounts currently reporting as an open account on my credit file. I believe these accounts are inaccurate and the result of issues connected to my personal information being compromised in a confirmed data breach. This has led to accounts and information appearing on my credit report that I can not verify as mine. 

Despite multiple disputes and validation requests, MOHELA/XXXX  has not provided required documentation proving the accuracy or ownership of these accounts. I specifically requested validation including a signed contract, itemized account history, proof of assignment or servicing rights, and details of their verification procedures. None of these documents have been provided. 

MOHELA/XXXX  failed to properly investigate or verify this account as required under federal law, including : 15 USC 1681i ( a ) ( 1 ) : duty to conduct a reasonable reinvestigation 15 USC 1681e ( b ) : duty to ensure maximum possible accuracy 15 USC 1681i ( a ) ( 7 ) : duty to provide a description of the verification process 15 USC 1692g : requirement for debt validation 15 USC 1692e ( 8 ) : prohibition of reporting information known or suspected to be inaccurate The continued reporting of an account that has not been properly verified violates these protections and has caused me hardship, including inaccurate reporting, denials, and damage to my creditworthiness.

I request that the CFPB investigate this matter and compel MOHELA/XXXX  to either provide full verification of these accounts or immediately remove and cease reporting it to ensure compliance with federal law and restore the accuracy of my credit file. 

Unauthorized accounts listed below : 1 ) MOHELA/XXXX  Amount : {$7300.00} Date XXXX XXXX ) MOHELA/XXXX  Amount : {$8100.00} Date XXXX XXXX ) MOHELA/XXXX  Amount : {$19000.00} Date XXXX XXXX ) MOHELA/XXXX  Amount : {$16000.00} Date XXXX XXXX ) MOHELA/XXXX  Amount : {$2900.00} Date XXXX XXXX ) MOHELA/XXXX  Amount : {$10000.00} XXXX XXXX ) MOHELA/XXXX  Amount : {$7700.00} Date XXXX XXXX ) MOHELA/XXXX  Amount : {$6400.00} XXXX XXXX ) MOHELA/XXXX  Amount : {$15000.00} Date XXXX XXXX ) MOHELA/XXXX  Amount : {$1800.00} Date XXXX

Company response to consumer: Closed with explanation