vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 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: NY

Complaint narrative:
I am writing to formally file a complaint against XXXX, my XXXX XXXX XXXX servicer, for reporting inaccurate negative information on my credit report and failing to comply with several federal consumer protection laws. 
XXXX has reported three 90-day late payments on my credit file. I dispute these reports as inaccurate and unlawful for the following reasons : 1. Violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681XXXX failed to meet its obligations under the FCRA, which requires furnishers of credit information to report data that is accurate and complete. The reported late payments are not only damaging to my credit profile but were placed without proper verification or notice. 
2. Failure to Notify Under the Higher Education Act & Consumer Protection LawsXXXX is required by federal law, including the Higher Education Act and consumer protection statutes, to notify borrowers when their accounts become delinquent. I was never informed of any missed payments or delinquency. I received no calls, letters, emails, or other forms of communication from XXXX regarding late or missed payments.

3. Lack of Due ProcessAs a borrower and consumer, I was denied the opportunity to bring my account current or dispute the validity of any alleged missed payments in a timely manner because XXXX did not fulfill its legal duty to inform me. This lack of communication and transparency is unacceptable and unlawful. 
As a college student actively managing my finances and working toward academic and professional success, the reporting of these three 90-day late payments has had a profoundly negative impact on my creditworthiness and overall financial well-being. 
I respectfully request that the Consumer Financial Protection Bureau investigate this matter and compel XXXX to : * Immediately remove the inaccurate 90-day late payment marks from my credit report with all major credit bureaus. 
* Provide written confirmation that the entries have been removed.

* Conduct a full audit of my loan servicing history to ensure compliance with all applicable laws.

Thank you for your time, and I trust the CFPB will handle this matter with the seriousness it deserves.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX XXXX has been sending notices saying that I owe a debt to them. I have sent notices requesting that they provide the original purchase agreement, copy of the contract that I have with them stating that I owe them any amount of money. They are falsely reporting that I owe a debt to them despite of my submission of an identity theft report which list the original creditor as also misreporting an account that does not belong to me. XXXX has no proof of claim neither does the alleged original creditor. XXXX and XXXX has deleted this account ( alleged original creditor ) however XXXX has this account reporting as collections on XXXX. I have attached copies of my XXXX and XXXX CFPB complaint report that showcases the removal of this account. I have also attached a copy of my identity theft report along with a cease and desist letter to XXXX. This XXXX account needs to be removed 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 non-monetary relief
Consumer complaint received 2025-04-14 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: MA

Complaint narrative:
XXXX XXXX XXXX has falsely reported late payments on my consumer report, despite all payments being made on time, in full, and by their due dates. These late fees are fraudulent and appear to be the result of a billing error or predatory practice. This incorrect reporting has caused serious harm to my reputation, character, lifestyle, and my familys well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: AL

Complaint narrative:
I am a victim of XXXX XXXX  The information listed below, which appears on my credit report, is the result of that XXXX  I received a copy of my credit report and found the following items to be in error. 
1. the personal information is incorrect. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX {$3700.00} XXXX {$2100.00} XXXX XXXX {$230.00} XXXX XXXX XXXXXXXX {$220.00} XXXX XXXX XXXX {$620.00} Please block this information and remove it from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In XX/XX/XXXX, I discovered an entry on my credit report that I did not authorize. This account was not opened by me and appears to be the result of identity theft. 

The fraudulent account includes : XXXX XXXX XXXX Opened on XX/XX/XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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:
There are fraudulent items on my credit report that I did not authorize, did not benefit from, and have no connection to. I have already reported this matter to the Federal Trade Commission, yet these items remain unresolved on my report. This is completely unacceptable. The continued presence of these entries is a violation of my rights and must be addressed immediately. I demand their permanent removal without further delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: TX

Complaint narrative:
I don't agree with the account listed below which still appears on my credit report, even after your Investigation. I would like this account immediately re-investigated. These inaccuracies are highly injurious to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.

Please forward me an updated credit report after you have completed your Investigation and corrections.

Your cooperation and prompt attention are greatly appreciated. 


ACCOUNT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: TX

Complaint narrative:
I don't agree with the account listed below which still appears on my credit report, even after your Investigation. I would like this account immediately re-investigated. These inaccuracies are highly injurious to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.

Please forward me an updated credit report after you have completed your Investigation and corrections.

Your cooperation and prompt attention are greatly appreciated. 


ACCOUNT # 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 2025-04-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
VALIDATION AND CEASE AND DESIST Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Connecticut XXXX Dear Midland Credit Management. 

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

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

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

4. Proof that the original creditor securitized the debt.

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

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

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

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

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: NY

Complaint narrative:
I am writing to formally file a complaint against XXXX, my XXXX XXXX XXXX servicer, for reporting inaccurate negative information on my credit report and failing to comply with several federal consumer protection laws. 
XXXX has reported three 90-day late payments on my credit file. I dispute these reports as inaccurate and unlawful for the following reasons : 1. Violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681XXXX failed to meet its obligations under the FCRA, which requires furnishers of credit information to report data that is accurate and complete. The reported late payments are not only damaging to my credit profile but were placed without proper verification or notice. 
2. Failure to Notify Under the Higher Education Act & Consumer Protection LawsXXXX is required by federal law, including the Higher Education Act and consumer protection statutes, to notify borrowers when their accounts become delinquent. I was never informed of any missed payments or delinquency. I received no calls, letters, emails, or other forms of communication from XXXX regarding late or missed payments.

3. Lack of Due ProcessAs a borrower and consumer, I was denied the opportunity to bring my account current or dispute the validity of any alleged missed payments in a timely manner because XXXX did not fulfill its legal duty to inform me. This lack of communication and transparency is unacceptable and unlawful. 
As a college student actively managing my finances and working toward academic and professional success, the reporting of these three 90-day late payments has had a profoundly negative impact on my creditworthiness and overall financial well-being. 
I respectfully request that the Consumer Financial Protection Bureau investigate this matter and compel XXXX to : * Immediately remove the inaccurate 90-day late payment marks from my credit report with all major credit bureaus. 
* Provide written confirmation that the entries have been removed.

* Conduct a full audit of my loan servicing history to ensure compliance with all applicable laws.

Thank you for your time, and I trust the CFPB will handle this matter with the seriousness it deserves.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Nelnet has made no attempt to reach out to me by phone call or any attempt to notify me before XXXX were past due. I have worked with another federal loan lender to repay so I didnt even know Nelnet XXXX responsible for my loan. On XXXX XXXX Nelnet suddenly reported my loan accounts as XXXX  days past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/scrub> 2025, I submitted a formal written dispute regarding the account listed as XXXX, which is still appearing inaccurately on my credit report. The dispute letter was dated, time-stamped, and mailed with proper documentation, yet no investigation was conducted, and I received no response. I have attached a copy of that original dispute for reference. Furthermore, under FCRA Section 623 ( a ) ( 3 ), you are required to place a notice of dispute on any account under investigation. This legal obligation was not fulfilled, as no such notice appears on the reported tradeline. This account also displays materially inconsistent datamost notably conflicting dates of last activity and continued monthly charge-off reporting on a settled and inactive accountclear violations of the Fair Credit Reporting Act, including 15 U.S.C. 1681s-2 and 15 U.S.C. 1681c regarding re-aging and reporting limits. Per TransUnion v. Cushman, furnishers and CRAs are obligated to perform reasonable investigations of disputed information. Transunions failure to act upon my properly submitted dispute and ongoing inaccurate reporting constitutes a willful violation of the FCRA. Due to your failure to investigate and failure to properly flag the account as disputed, I am demanding immediate removal of the XXXX account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX SSN : XXXX DOB : XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute the following outdated, inaccurate, or unverifiable personal information currently listed on my TransUnion credit report dated XX/XX/XXXX. As required under the Fair Credit Reporting Act ( FCRA ), please conduct an investigation and remove the following information from my file. 

Addresses to Remove : 1. 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Phone Numbers to Remove : 1. ( XXXX ) XXXX 2. ( XXXX ) XXXX 3. ( XXXX ) XXXX 4. ( XXXX ) XXXX 5. ( XXXX ) XXXX 6. ( XXXX ) XXXX 7. ( XXXX ) XXXX 8. ( XXXX ) XXXX 9. ( XXXX ) XXXX 10. ( XXXX ) XXXX 11. ( XXXX ) XXXX Employment Information to Remove : 1. XXXX 2. XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) 3. XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) 4. XXXX XXXX ( XX/XX/XXXX ) 5. XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) 6. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX ( XX/XX/XXXX ) 7. XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) Under the FCRA, you are required to maintain accurate and up-to-date information on consumer reports. Since these records are no longer valid or verifiable, I respectfully request their immediate removal. 

Above is the only information that should be on my credit profile. 

Please provide written confirmation of the results of your investigation. 

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My account was never late! I have had exceptional payment history 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 to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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!

Update the late payments from my consumer reports

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