vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
accounts are reporting closed and affecting my credit score

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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX  AND I WON'T ALOW IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: MI

Complaint narrative:
At the end of XXXX, I intended to make {$2500.00} in payments against the interest of my loans. I made XXXX payments, totaling exactly {$2500.00}, the last being on XX/XX/XXXX. I made these payments with the intent of them being applied " interest only '' On XX/XX/XXXX, only after I received my 1098-E for XXXX from Nelnet did XXXX see that only ~ {$1300.00} was applied to interest did I reach out to Nelnet requesting an explanation and to have the payments corrected, which the servicer stated he would do to reallocate the full {$2500.00} to the interest and send a corrected XXXX. 

The reallocation was made on XX/XX/XXXX. 

On XX/XX/XXXX, however when I checked on the 1098-E, as I was told to do so by Nelnet, I was told by a different rep that they would not send a corrected 1098-E. When I inquired and requested explanation and a correction, I was sent to a different employee who seemed to be needlessly elongating the phone call, with long bouts of silence, seemingly in an attempt to have me hang up. He was named XXXX XXXX. 

At one point, XXXX said " the IRS says we can't do that, '' to which I responded " can you cite me the PRS Publication stating that, '' to which he said " No. I can't. But the IRS said we can't send a corrected form. '' XXXX XXXX was saying that his supervisor, XXXX, was the one telling him not to offer a corrected 1098-E. I had XXXX XXXX fill out an official complaint, citing his statement of the IRS and stating the relief I am requesting. 

RELEIF REQUESTED : A corrected 1098-E from Nelnet for XXXX showing {$2500.00} Reasoning : XXXX ) The payments were made in XXXX. 
XXXX ) The evidence ( {$2000.00} paid on XX/XX/XXXX ) demonstrates that the payments were intended to be completed before the XXXX tax deadline showing the payments made outside the suggested pay-schedule-amount were only intended for tax purposes. 
XXXX ) The sole reason the payments were not applied to interest was due to Nelnet 's software and online payment system improperly classifying the payments toward principal instead of being " interest only '' payments XXXX ) Nelnet 's refusal to correct the 1098-E, mistaken because of their actions or inactions, are creating economic harm to the debtor, XXXX XXXX XXXX who has demonstrated good standing and proper adherence to payment schedules before they are due. 

I am requesting that the CFPB work with Nelnet to provide an updated 1098-E for XXXX showing {$2500.00} so I can accurately report this to the IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: NC

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding in accuracies in my credit report. Despite my submissions. Equifax consistently responds in 24 hours stating the accounts is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i which mandates reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: IL

Complaint narrative:
I am writing to inform you that the account in question was opened using my identity without my knowledge or consent. This is a clear case of unauthorized and fraudulent activity. I did not authorize, nor was I aware of, any actions related to the creation of this account. The use of my personal information in this manner is a violation of my privacy and security.

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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I urgently request the removal of this inaccurate late payment from my account. I've consistently made timely payments, and this entry is causing me undue stress. Please rectify this error promptly by updating my account.

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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I urgently request the removal of this inaccurate late payment from my account. I've consistently made timely payments, and this entry is causing me undue stress. Please rectify this error promptly by updating my account.

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 2025-02-13 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:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX MD XXXX XXXX XX/XX/XXXX Subject : Dispute of Inaccurate Information under Section 1681O - Civil Liability for Negligence Noncompliance Dear XXXX, I am writing to formally dispute an entry on my credit report that I believe to be inaccurate, and to assert my legal rights under Section 1681O of the Fair Credit Reporting Act ( FCRA ), which provides for civil liability for negligence when credit reporting agencies fail to comply with the law. 

I have identified the following inaccurate information in my credit report : Account Name : XXXX Inaccurate Information : XXXX XXXX XXXX Date of the Report : XX/XX/XXXX Under FCRA Section 1681O, I am entitled to dispute any information that is not accurately reported, and I believe this information is not in compliance with the requirements set forth by the FCRA. I respectfully request that you investigate the inaccuracies in the information listed and correct it immediately. If the information can not be verified or is found to be inaccurate, I ask that it be removed from my credit report in accordance with the law. 

In accordance with Section 1681i ( a ) ( 1 ) ( A ) of the FCRA, I request that you conduct a reasonable investigation of the dispute and notify me in writing of the outcome within the 30-day period. Additionally, if you determine that the information is indeed inaccurate, I request that you promptly update my credit report and notify any parties who may have received my report in the past six months.

Please confirm that you are following the procedures required by the FCRA, and provide a complete and accurate report upon completion of your investigation. 

I appreciate your immediate attention to this matter, and I expect a prompt resolution. Should you fail to properly investigate or correct the inaccurate information as required under the FCRA, I reserve the right to pursue all available remedies, including seeking civil liability for any negligence or noncompliance with the law. 

Thank you for your cooperation. 

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 non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX MD XXXX XXXX XX/XX/XXXX Subject : Dispute of Inaccurate Information under Section 1681O - Civil Liability for Negligence Noncompliance Dear Experian, I am writing to formally dispute an entry on my credit report that I believe to be inaccurate, and to assert my legal rights under Section 1681O of the Fair Credit Reporting Act ( FCRA ), which provides for civil liability for negligence when credit reporting agencies fail to comply with the law. 

I have identified the following inaccurate information in my credit report : Account Name : XXXX Inaccurate Information : XXXX XXXX XXXX Date of the Report : XX/XX/XXXX Under FCRA Section 1681O, I am entitled to dispute any information that is not accurately reported, and I believe this information is not in compliance with the requirements set forth by the FCRA. I respectfully request that you investigate the inaccuracies in the information listed and correct it immediately. If the information can not be verified or is found to be inaccurate, I ask that it be removed from my credit report in accordance with the law.

In accordance with Section 1681i ( a ) ( 1 ) ( A ) of the FCRA, I request that you conduct a reasonable investigation of the dispute and notify me in writing of the outcome within the 30-day period. Additionally, if you determine that the information is indeed inaccurate, I request that you promptly update my credit report and notify any parties who may have received my report in the past six months. 

Please confirm that you are following the procedures required by the FCRA, and provide a complete and accurate report upon completion of your investigation. 

I appreciate your immediate attention to this matter, and I expect a prompt resolution. Should you fail to properly investigate or correct the inaccurate information as required under the FCRA, I reserve the right to pursue all available remedies, including seeking civil liability for any negligence or noncompliance with the law. 

Thank you for your cooperation. 

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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: GA

Complaint narrative:
XX/XX/year> Dear CFPB, This is my final complaint regarding Equifax, which has failed to comply with my previous dispute concerning the XXXX XXXX XXXX account. 

XXXX and XXXX have complied and removed this account. 

Equifax has refused to comply, continuing to report this inaccurate and damaging information. 

My initial dispute was submitted on XX/XX/year>, and as of today, XX/XX/year>, XXXX business days have passed. 

Equifax has XXXX business days remaining to comply with federal law before officially violating the FCRAs required timeframe. 

Ongoing FCRA Violations by Equifax 1. Failure to Investigate & Correct Errors ( 15 U.S.C. 1681i ( a ) ) Equifax has failed to verify or remove the inaccurate XXXX XXXX Services account within the required timeframe. 

2. Reporting False Information ( 15 U.S.C. 1681e ( b ) ) This account should not be on my report, yet Equifax continues to report knowingly false information, damaging my credit.

3. Unfair & Deceptive Practices ( 15 U.S.C. 45 FTC Act ) Equifax is willfully engaging in unfair and deceptive practices by knowingly reporting false information after multiple disputes.

Requested Action I demand that Equifax remove this inaccurate account immediately and provide written confirmation within 3 business days, by XX/XX/year>. If Equifax fails to comply, I will pursue additional legal action, including filing complaints with the FTC, Attorney General, and potential legal claims for damages. 

Please take immediate action to enforce compliance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Dear CFPB Representative, I am submitting this formal complaint against LVNV Funding regarding an inaccurate and improper reporting of an alleged debt in the amount of {$470.00} on my credit report. 

I disputed the alleged debt pursuant to 15 U.S.C. 1692g and formally requested that LVNV Funding provide me with verification of the debt. This verification required a sworn statement affirming the truth of the matter, with firsthand knowledge and notarization. Despite my request, LVNV has failed to provide adequate verification.

Under the Fair Debt Collection Practices Act ( FDCPA ), once I disputed the alleged debt, LVNV was required to cease all collection activities, which includes reporting the debt to the consumer reporting agenciesExperian, XXXX, and XXXX. However, LVNV has continued to report this alleged debt, thereby violating the FDCPA.

Additionally, LVNV Funding does not have my consent to communicate with me through any medium. Furthermore, I did not authorize LVNV to obtain, use, or report my personal and private information. This unauthorized action constitutes aggravated identity theft. I also did not consent to LVNV reporting this information in my name to the consumer reporting agencies.

I request the CFPB to investigate this matter and take appropriate action against LVNV Funding for its failure to comply with federal law. I also request the immediate removal of this alleged debt from my credit reports with XXXX, XXXX, and XXXX. 

Please provide me with a response regarding this complaint at your earliest convenience. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

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

Company 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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MO

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

Company 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