vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-01 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: PA

Complaint narrative:
I would like to file a formal complaint against my loan servicer, Nelnet. I do not believe they are handling my loans correctly and are deceptively allocating payments exclusively to one loan and not across loans which is an intended behavior designed to maximize interest fees. Also, Nelnet has been negligent in applying payments timely to decrease in daily interest compounding and increasing their earnings through interest.

Delay in processing I have been tracking the behavior of Nelnet. Recently, I have scheduled a group of daily payments. Nelnet processes the payments at the END OF BUSINESS DAY allowing Nelnet to collect interest for the day. It is taking 2-3 days for Nelnet to process a scheduled payment and there is no retroactive change to the {$9.00} daily interest I am paying. 

Payments are not being applied to my account timely AND not at all I made {$400.00} in payments via a bank check, both checks have been cashed and both checks have not been applied to my account. When I inquired, I was told I was wrong. When I filed a complaint with the Department of Education, I was told it takes XXXX ( XXXX ) days even though I submitted proof and feel as though there is no sense of urgency. Furthermore, HOW DOES THIS HAPPEN?!?!?! How do we have {$400.00} USD freely in a pay bucket and not applied to my account? 

Nelnet is not applying the payments across my XXXX loans and/or Fails to correctly apply or allocate borrower payments to their accounts We learned from the Navient lawsuit that the loan servicer is supposed to apply borrower payments across multiple loan. In XXXX, I made {$880.00} in payments and XXXX of my loans have not received any payments since XXXX of 2024. 

In addition, my loan was formerly serviced by Navient. I would like to know if my account has been properly audited for misconduct and would like a full account printed document of ALL payments received throughout the life of the loan. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
[ XXXX XXXX ] [ XXXX Sleepy XXXX XXXX [ XXXX, Texas XXXX [ XXXX ] [ XXXX ] [ XX/XX/year> ] [ Experian ] [ XXXX Experian XXXX ] [ XXXX Texas, XXXX ] Subject : Dispute of Missing Information and Request for Debt Removal Dear [ Experian ], I am writing to formally dispute inaccurate and incomplete information on my credit report and request the removal of an invalid debt. Upon reviewing my credit report, I discovered that the following account contains missing or incorrect information, which has resulted in an inaccurate reporting of my financial status. 
Disputed Account Details : Creditor Lender Names : XXXX XXXX XXXX account:XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXXXXXX The reported debt is inaccurate due to [ inaccurate payment history, payments not reflected, account closed but still reporting a balance, fraudulent activity, or any other valid dispute reason ]. I have enclosed supporting documentation, such as account statements, payment records, and correspondence with the creditor, to substantiate my claim. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this account be thoroughly investigated and, if found to be incorrect or unverifiable, be removed from my credit report immediately. 
Additionally, I request a written confirmation once the correction has been made. 
Please consider this letter a formal request for resolution, and I expect a response within 30 days as required by law. I appreciate your prompt attention to this matter and look forward to hearing from you.

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 2025-02-01 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:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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

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 2025-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
XXXX XXXX, {$2800.00} and it was a cheque issued by mortgage company and I deposited it to my checking account and they closed my account and did not inform me. I had to call them and they said the issuing company has to contact them to verify the cheque is legit. They have my money and they have not released it to me. its XXXX. I exhausted all options and now this is my last option.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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 am filing a formal complaint against Experian for failing to conduct a reasonable investigation into the disputes I have submitted regarding inaccuracies on my credit report. Despite my repeated submissions, Experian consistently responds w

ithin 24 hours, asserting that the disputed account is accuratewithout providing any substantive evidence that a thorough investigation has been conducted. This practice directly violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires consumer reporting agencies to perform a reasonable investigation of disputed information. Additionally, Experian 's conduct may also be in violation of the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 )
( A ) - ( B ), as evidenced by the Consumer Financial Protection Bureaus recent administrative proceeding ( File No. 2025-CFPB-0002 ) against the company for similar infractions. 

I respectfully request that the CFPB take appropriate action to ensure Experian adheres to federal law and provides consumers with adequate proof that a legitimate investigation has been conducted in response to credit report disputes. 

The following addresses are inaccurate and should be purged and Permanently deleted from the report XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX following social is inaccurate and should be purged and Permanently deleted from the report XXXX No phone numbers or employers should be reported as I did not give written permission for such and they too are INACCURATE ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX The Name XXXX XXXX Is Inaccurate and should be purged and Permanently deleted from the report These are the accounts that I've marked as inaccurate XXXX XXXX XXXX XXXXXXXX XXXX XXXX bankruptcy discharged Reference number XXXX The following injuries are inaccurate and should be purged and Permanently deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-01 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: NY

Complaint narrative:
I am filing a formal complaint against Experian for failing to conduct a reasonable investigation into the disputes I have submitted regarding inaccuracies on my credit report. Despite my repeated submissions, Experian consistently responds w

ithin 24 hours, asserting that the disputed account is accuratewithout providing any substantive evidence that a thorough investigation has been conducted. This practice directly violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires consumer reporting agencies to perform a reasonable investigation of disputed information. Additionally, Experian 's conduct may also be in violation of the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 )
( A ) - ( B ), as evidenced by the Consumer Financial Protection Bureaus recent administrative proceeding ( File No. 2025-CFPB-0002 ) against the company for similar infractions. 

I respectfully request that the CFPB take appropriate action to ensure Experian adheres to federal law and provides consumers with adequate proof that a legitimate investigation has been conducted in response to credit report disputes. 

The following addresses are inaccurate and should be purged and Permanently deleted from the report XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX following social is inaccurate and should be purged and Permanently deleted from the report XXXX No phone numbers or employers should be reported as I did not give written permission for such and they too are INACCURATE ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX The Name XXXX XXXX Is Inaccurate and should be purged and Permanently deleted from the report These are the accounts that I've marked as inaccurate XXXX XXXX XXXX XXXXXXXX XXXX XXXX bankruptcy discharged Reference number XXXX The following injuries are inaccurate and should be purged and Permanently deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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 non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

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 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I reached out to equifax Experian and TransUnion about accuracy on my consumer report and they come back verified and accurate but I pulled my report it was not and they violated my consumer rights FCRA laws, I ask for a reinvestigation but they refused to perform I circle a list of inaccurate accounts that was violated and is not accurate plus I submitted a attachment of all the accounts thats not accurate XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Please check the attachments for mre

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 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: CA

Complaint narrative:
In XX/XX/scrub> 2023 I submitted a dispute about a car loan that was on my credit report which numerous discrepancies and inaccurate information XXXX ended up deleting the account from my credit report because the company failed to show proof of the information that I was disputing. I then proceeded to dispute with the other two credit reporting agencies and about 3-4 times already I have disputed and submitted proof of the inaccurate information and all 4 times they have came back and said the information came back as accurate and verified. and they NEVER show proof of the information their " investigation '' came back with. the information on the car loan from XXXX XXXX  located in Arizona has multiple inaccuracies such as reason for contract being terminated, dates of last payments, amounts of payments received, length of loan, dates when loan was first approved, etc.

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 2025-02-02 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: HW Holding, Inc
State: GA

Complaint narrative:
I am filing this complaint against multiple XXXX XXXX who are repeatedly contacting me via phone and email about a debt that does not belong to me. Despite my clear communication that this debt is not mine, they continue to harass me with persistent calls and messages. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692b & 1692d, XXXX XXXX  are prohibited from harassing consumers, including making repeated or unnecessary contact about a debt they do not owe. Their continued actions are causing unnecessary stress, and they have no legal right to keep contacting me. 

I request that the Consumer Financial Protection Bureau take action to stop these unauthorized collection attempts. If this harassment continues, I will be forced to pursue legal action for violations of the FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Permanent Deletion of Negative Items from Credit Report Dear Equifax, I am writing to request the permanent deletion of the following negative items from my credit report, as per the provisions of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). The information provided is inaccurate and has caused significant harm to my creditworthiness and financial well-being. 
The negative items in question are : XXXX XXXX XXXX XXXX. 
I have previously submitted disputes regarding these inaccuracies and have not received satisfactory responses or corrections. Under the Fair Credit Reporting Act, you are required to conduct a reasonable investigation of disputed information and correct or delete any information found to be inaccurate, incomplete, or unverifiable. 
Please be advised that if these items are not permanently deleted from my credit report within 30 days, I will be left with no choice but to pursue legal action to enforce my rights under the Fair Credit Reporting Act. 
I have enclosed copies of my previous dispute letters, credit reports, and any supporting documentation for your reference. I expect your immediate attention to this matter and a prompt resolution. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: TX

Complaint narrative:
AFTER RECENTLY GOING OVER MY CREDIT REPORT I LEARNED THAT I AM A VICTIM OF IDENTITY THEFT, AS A RESULT OF THAT, MY CREDIT HAS BEEN AFFECTED TREMENDOUSLY DUE TO ALL OF THE FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CREDIT. PER THE CONSUMER LAW, WHEN A IDENTITY THEFT REPORT OR A POLICE REPORT HAS BEEN PRESENTED THE ACCOUNT MUST BE REMOVED FROM ONES CREDIT FILE IMMEDIATELY. ATTACHED YOU WILL FIND AN IDENTITY THEFT REPORT. PLEASE REMOVE ALL FRAUDULENT ACCOUNT, INQUIRIES, AND ADDRESS IMMEDIATELY PER THE CONSUMER LAW RIGHTS. 

ADDRESS ARE : XXXX XXXX XXXX XXXX XXXXXXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NV 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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
AFTER RECENTLY GOING OVER MY CREDIT REPORT I LEARNED THAT I AM A VICTIM OF IDENTITY THEFT, AS A RESULT OF THAT, MY CREDIT HAS BEEN AFFECTED TREMENDOUSLY DUE TO ALL OF THE FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CREDIT. PER THE CONSUMER LAW, WHEN A IDENTITY THEFT REPORT OR A POLICE REPORT HAS BEEN PRESENTED THE ACCOUNT MUST BE REMOVED FROM ONES CREDIT FILE IMMEDIATELY. ATTACHED YOU WILL FIND AN IDENTITY THEFT REPORT. PLEASE REMOVE ALL FRAUDULENT ACCOUNT, INQUIRIES, AND ADDRESS IMMEDIATELY PER THE CONSUMER LAW RIGHTS. 

ADDRESS ARE : XXXX XXXX XXXX XXXX XXXXXXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NV XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: GA

Complaint narrative:
I am writing to formally dispute an inaccurate account on my credit report, as I am a victim of identity theft. I recently discovered an account that I did not authorize, contract, or consent to. The details of the fraudulent account are as follows : FTC Report Number : XXXX Equifax engagement number XXXX XXXX XXXX Acct # XXXX Amount : {$7600.00} Date Opened : XX/XX/XXXX XXXX Acct # XXXX Amount {$8200.00} Date Opened XX/XX/XXXX XXXX  Acct # XXXX Amount {$2300.00} Date Opened XX/XX/XXXX XXXX  Acct # XXXX Amount {$1700.00} Date Opened {$1700.00} XXXX Account # XXXX Amount {$2000.00} Date Opened XX/XX/XXXX This account does not belong to me, and I had no knowledge of its existence until reviewing my credit report. I request that this account be investigated and removed immediately as it is negatively impacting my credit. Please find attached any supporting documentation for your review. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief