vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: AL

Complaint narrative:
When I enrolled at XXXX XXXX  XXXX XXXX XXXX ( XXXX ), one of the key selling points emphasized by admissions representatives and marketing materials was their strong job placement support after graduation. I was repeatedly assured that the school had a dedicated career services team, industry partnerships, and resources that would help me secure a job in my field shortly after earning my degree. 
Throughout my time there, I was led to believe that career assistance would be readily available, including internship opportunities, resume help, interview prep, and job placement services. However, after graduation, the reality was very different. 
The career services department provided little to no meaningful support. They rarely responded to inquiries, offered outdated job leads, and failed to provide the hands-on guidance I was promised. 
In hindsight, I feel I was misled into enrolling under false pretenses. The institution used job placement promises as a major incentive, but ultimately did not deliver on those commitments, leaving me to navigate the job market alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Account XXXX XXXX XXXX  XXXX. I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification to, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I had a loan modification done in XXXX due to my husband 's fatal motorcycle incident in XXXX. I reviewed the modification agreement and when the loan was with XXXX XXXX XXXX and contacted them about the amount being more than my balance when I purchased my home in XXXX. They then changed their company name to Shellpoint and I am still unable to get any resolution on this. 

I feel I was taken advantage of because of the situation I was in and grieving the death of my husband and truly was just trying to save my home from foreclosure. I have the modification agreement and the Assignment of Deed showing what my original purchase price was. I have been in my home now for 19 years and I originally purchased it for {$180000.00} and as of today I still owe around {$160000.00}. I really need someone to help me. 

I have a XXXX and XXXX mortgage

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 2025-06-02 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: AR

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
Account name : XXXX XXXX account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Acount # XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-02 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. Nor therefore any such that in fact, therefore exist. ( please remove these accounts before I see litigation for defamation of character ) XXXX  network balance {$2400.00}, XXXX card balance {$10000.00}, XXXX  XXXX balance {$3000.00}, XXXX  Balance {$0.00}, XXXX  XXXX balance {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. Nor therefore any such that in fact, therefore exist. ( please remove these accounts before I see litigation for defamation of character ) XXXX  network balance {$2400.00}, XXXX card balance {$10000.00}, XXXX  XXXX balance {$3000.00}, XXXX  Balance {$0.00}, XXXX  XXXX balance {$0.00}.

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 2025-06-02 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: MS

Complaint narrative:
Im XXXX XXXX Im hate keep going through this with Experian, Equifax and TransUnion I wish they would correct my information my name is XXXX XXXX my social security number is incorrect they have me and my twin sister XXXX XXXX social security number swap Im starting to get angry I have wrote letters to each of them telling them that the social security they have number XXXX XXXX is not mines its my twin sister XXXX XXXX Im trying finance a car I cant even do that because they saying it mismatch in identity because they have my social incorrect can someone please fix this asap Im getting irritated with This not hard we have different names they need to stop getting us mixed up making my life hard

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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Im XXXX XXXX Im hate keep going through this with Experian, Equifax and TransUnion I wish they would correct my information my name is XXXX XXXX my social security number is incorrect they have me and my twin sister XXXX XXXX social security number swap Im starting to get angry I have wrote letters to each of them telling them that the social security they have number XXXX XXXX is not mines its my twin sister XXXX XXXX Im trying finance a car I cant even do that because they saying it mismatch in identity because they have my social incorrect can someone please fix this asap Im getting irritated with This not hard we have different names they need to stop getting us mixed up making my life hard

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: NY

Complaint narrative:
I am submitting this complaint to dispute late payment reports associated with a credit card account I have no knowledge of and did not authorize. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), furnishers of information are required to report only accurate and verifiable data.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, it is illegal to use false, deceptive, or misleading representations regarding debts. Reporting a debt or payment delinquency on an unauthorized account constitutes a violation of this law. I further demand that the reporting creditor be required to provide concrete evidence proving I opened this account. If no such proof is provided, I request that all associated late payments and derogatory information be removed from my credit reports.

These inaccurate reports are negatively impacting my credit profile and causing me undue harm. I assert my rights under federal law to have only accurate information reported to credit bureaus. 

MY FTC REPORT # 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 2025-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I am a victim of a scam through PayPal involving a XXXX seller named. 

This person sent me {$68.00} through PayPal and told me to purchase a product from their XXXX XXXX, give it a XXXX review, and I would keep the product and receive a small commission. I purchased the item as agreed. However, after that, the person filed a false claim through PayPal saying they never received the item even though they never bought anything from me, and I never agreed to sell anything. 

PayPal wrongly decided in their favor and refunded them. I submitted my receipt and proof of the arrangement, but PayPal claimed the case does not qualify under their protection policy while still returning the money to the scammer. This is contradictory and unfair. PayPal is rewarding fraud and punishing the victim. 

I demand that PayPal correct this decision and remove the negative balance from my account. This scammer is using PayPal and XXXX to trick multiple people. 

Please help me get justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-02 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX. XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XX/XX/XXXX -- {$440.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XX/XX/XXXX -- {$980.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00}

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 2025-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the account referenced in my credit file, which I believe has been added as a result of fraudulent activity. I did not open this account, nor did I authorize anyone else to do so on my behalf. I believe my personal information may have been used without my knowledge or consent.

I first became aware of this account when reviewing my credit report and immediately took steps to investigate the matter. Since discovering this issue, I have reported the suspected fraud to the appropriate authorities, including a complaint with the FTC, and have initiated a fraud alert with the credit bureaus. 

I respectfully request that this account not be reported against my credit history, as it does not reflect my financial behavior or responsibility. I am a victim of identity theft, and any negative marks associated with this fraudulent account would unfairly damage my creditworthiness. 

Please consider this statement as part of my formal dispute. I am prepared to provide any supporting documentation necessary to verify my identity and assist in resolving this issue. 

Thank you for your time and understanding in addressing this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am currently reviewing my Equifax credit report and there are addresses reporting on my credit report that are not mine. 
Below is a list of the addresses that I would like to have permanently deleted : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX. XXXX XXXX XXXX CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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:
Date : XX/XX/year> To : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX CC : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX Washington, XXXX XXXX Subject : Formal Dispute and Permanent Deletion Request Unauthorized Accounts Reporting on Credit File Dear Equifax Dispute Department, I am writing to formally dispute the following accounts currently appearing on my Equifax credit report, which I believe are reporting in error and without proper authorization : XXXX. XXXX Balance : {$1400.00} XXXX. XXXX ( XXXX XXXX XXXX XXXX  ) Balance : {$12000.00} XXXX. XXXX XXXX  Balance : {$11000.00} These accounts are not mine. I have no existing relationship with these creditors, and I did not authorize them to access or report my personal credit information. The presence of these accounts on my credit file constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, which restricts the use of consumer reports to entities with a valid and permissible purpose.

Applicable Legal Grounds for Removal : 15 U.S.C. 1681b Permissible Purpose : A credit report may only be accessed or used for specific legal purposes. Since these accounts are unauthorized, their appearance on my credit file is unlawful.

15 U.S.C. 1681e ( b ) : Equifax is required to use reasonable procedures to ensure the maximum possible accuracy of the information it reports. These accounts violate that obligation.

15 U.S.C. 1681i : When a consumer files a dispute, the agency must promptly reinvestigate and remove unverifiable or inaccurate entries within 30 days.

My Formal Requests : 1. Immediately delete the accounts listed above from my Equifax credit file.

2. Permanently block these accounts from being reinserted unless fully verified, as required under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

3. Provide a written response confirming the results of your reinvestigation.

These unauthorized tradelines are damaging my credit profile and personal credibility. If these items are not removed within the time prescribed by law, I will pursue further action by working with the Consumer Financial Protection Bureau and considering other legal remedies under 15 U.S.C. 1681n & 1681o.

Thank you for your prompt attention to this matter. I am prepared to provide further documentation if needed and expect a resolution in full compliance with federal consumer law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The items listed below are reported on my credit file and were found in my reports with the credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or valid proof that I opened, authorized, or created this. Since this is a strict violation of FCRA laws, I need the items removed from my 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 2025-06-02 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: RFNA, LP
State: GA

Complaint narrative:
My report credit with XXXX XXXX and XXXX took a drop on my credit report because I requested old and closed accounts to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: NC

Complaint narrative:
I recently reviewed my credit report and noticed XXXX account was not reported accurately. There is XXXX late payment on XXXX account that I paid on time. The consumer reporting agencies should report all information properly. This account does not have any late payments. I have uploaded a copy of the report shows the late payment with the following date ( XX/XX/year> ). I'm requesting an investigation and provide proof showing that I had a late payment. If the informaton can not be accurately proven I demand that the information to be updated to paid on time. Thank you for understanding and prompt action

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 2025-06-02 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: NC

Complaint narrative:
I recently reviewed my credit report and noticed XXXX account was not reported accurately. There is XXXX late payment on XXXX account that I paid on time. The consumer reporting agencies should report all information properly. This account does not have any late payments. I have uploaded a copy of the report shows the late payment with the following date ( XX/XX/year> ). I'm requesting an investigation and provide proof showing that I had a late payment. If the informaton can not be accurately proven I demand that the information to be updated to paid on time. Thank you for understanding and prompt action

Company response to consumer: Closed with non-monetary relief