vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-06 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: TN

Complaint narrative:
On XX/XX/2023 I submitted my Teacher Loan Forgiveness application. About a month later, I received the denial letter in the mail stating that the CAO signature was predated, which it can not be, and that I needed the CAO for all locations served to sign the form. However, the application states that if a CAO at an organization has access to records to verify for all locations, then they are able to do so as long as the other service locations are listed on a separate page, which I had done. 

On XX/XX/2023 I resubmitted my application with the requested adjustments. About a month later, I received a denial letter in the mail stating that one of the CAOs was missing a signature and a printed title next to their name. 

On XX/XX/2023 I resubmitted my application with the requested adjustments. About a month later, I received the denial letter in the mail, stating that the date next to one of the CAOs signatures was cut off ( the last digit in 2023 was halfway missing on the scan ). And that I needed to submit a separate page 1 for all page 2s. I hadnt submitted a separate page 1 in the other two submissions, so I am not sure why that was only mentioned on the third denial. 

On XX/XX/2023, I resubmitted my application with the requested adjustments. About a month later, I received the denial letter in the mail, stating that all of the page 2s were illegible and needed to be resubmitted. However, the same page 2s had been submitted 4 times now, with minor changes to fix the errors and not once was it mentioned that they were illegible. When looking at them, they are, in fact, very legible ( attached to this submission ). 

I have reached out to them several times to see what needs to be done to get this taken care of, as it seems that they are simply trying to delay the forgiveness process now that payments have started again. I can not get through to anyone who can answer my questions and I am getting frustrated with this. The CAOs are also becoming increasingly frustrated, as theyve had to fill out the paperwork for me on four separate occasions now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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: PA

Complaint narrative:
A letter acknowledging and submitting my rights to a fair and equitable credit report was not only received by this company, it was also IGNORED. While XXXX XXXX, who is backed by XXXX XXXX XXXX continues to ignore these documents they also continue to harass me by hindering my credit file, XXXX XXXX continues to report my non-public personal information to the credit reporting agencies despite having my consent. As defined by 15 USC 6809 ( 4 ) ( A ), this is a CLEAR violation of the law. The proof of this file sent to the company will be enclosed with my complaint.

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 2023-10-06 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: PA

Complaint narrative:
A letter acknowledging and submitting my rights to a fair and equitable credit report was not only received by this company, it was also IGNORED. While XXXX XXXX, who is backed by XXXX XXXX XXXX continues to ignore these documents they also continue to harass me by hindering my credit file, XXXX XXXX continues to report my non-public personal information to the credit reporting agencies despite having my consent. As defined by 15 USC 6809 ( 4 ) ( A ), this is a CLEAR violation of the law. The proof of this file sent to the company will be enclosed with my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
A letter acknowledging and submitting my rights to a fair and equitable credit report was not only received by this company, it was also IGNORED. While XXXX XXXX, who is backed by XXXX XXXX XXXX continues to ignore these documents they also continue to harass me by hindering my credit file, XXXX XXXX continues to report my non-public personal information to the credit reporting agencies despite having my consent. As defined by 15 USC 6809 ( 4 ) ( A ), this is a CLEAR violation of the law. The proof of this file sent to the company will be enclosed with my complaint.

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 2023-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: UT

Complaint narrative:
This written notice confirms receipt of the communication dated XX/XX/XXXX from CREDIT COLLECTION SERVICES to consumer and natural person that the account with the alleged original creditor XXXX, will be returned to the alleged original creditor. On XX/XX/XXXX, I viewed XXXX accounts reporting on my consumer reports with national consumer reporting agencies, XXXX and XXXX. One account had an alleged original creditor, XXXX, and the second account had an alleged original creditor, XXXX. I sent a notice of dispute letter to CREDIT COLLECTION SERVICES on XX/XX/XXXX disputing any and all alleged debts with this debt collector, resulting in the communication from CREDIT COLLECTION SERVICES dated XX/XX/XXXX. On XX/XX/XXXX, I placed a phone call to CREDIT COLLECTION SERVICES to gain clarity on which accounts were being returned to the alleged original creditor. I spoke with a representative, who attempted to collect payment for the alleged debt with XXXX, and then was immediately transferred to a supervisor who then also attempted to collect both alleged accounts. I advised supervisor that I was calling to see what CREDIT COLLECTION SERVICES was doing with both accounts as the communication dated XX/XX/XXXX only referenced a single account. XXXX clarified that both accounts from alleged original creditors, XXXX and XXXX, would be returned to the alleged original creditor. He also advised me that the call was being recorded. Please reference my phone number on XX/XX/XXXX to listen to the recording. 
CREDIT COLLECTION SERVICES is in default of the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and Utah Consumer Credit Code 70C-7-107. As such, I am offering CREDIT COLLECTION SERVICES the opportunity to cure this default by paying the attached invoice. If CREDIT COLLECTION SERVICES fails to cure this default, civil action will be initiated in a federal venue after XXXX days but not more than XXXX days from the date of receipt. Be advised that the action initiated will seek all actual and statutory damages allowed by law. Govern yourself accordingly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. 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 2023-10-06 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX  ACCT. # XXXX, has violated my rights. 

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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: Cascade CISS Holdings, LLC
State: OH

Complaint narrative:
I was shopping for Mortgage and auto loan. All of a sudden I get all this inquiries more than XXXX inquiries which has affected my credit. At this moment my loan cant be approved if they are not removed. Without this loan I will lose it all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-10-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
Sunrise Credit claims I owe a debt to XXXX XXXX XXXX XXXX. I have never opened a mobile account with XXXX XXXX XXXX and this is an attempt to collect a false or fraudulent debt. 

I want Sunrise Credit to furnish supporting documents of said debt including signatures, photo ID, address associated with the account, payment used to open the account, and where the account was opened. 


SUNRISE CREDIT SERVICES XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NY 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 2023-10-06 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: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I never received a letter to dispute. I never lived at the address attached to my name. I mailed a certified letter to National Credit Systems for validation, and never received it. My request was mailed certified XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
I have sent a dispute to IDEAL COLLECTION SERVICES regarding account XXXX to removed and delete account XXXX because it was Identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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: LD Holdings Group, LLC
State: CA

Complaint narrative:
this is against loan depot for reporting 30 day late payment on my mortgage. i called to setup an automatic payment and bi weekly setup. they did not set it up and told me i should be setting it up myself. They went ahead and reported me. I want justice against loan depot for ruining my credit report unjustly and unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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: NC

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to XXXX party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately. 

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to XXXX party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX ACCT. # XXXX, has violated my rights. 

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.

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 2023-10-06 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. 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 2023-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Never apply for XXXX XXXX Now all of my 3 credit bureaus reporting someone try to open the account. Recently, I i noticed couples of hard inquiry that I did not noticed and over 30 soft inquires in 1 month! The XXXX XXXX got applied by someone even before I moved to my new house in Texas. Every time I dispute with a credit bureau for stuff like this they never removed for me. Reason why I have to complaint to CFPB. T I did called XXXX XXXX  Police XXXX and they only provided the case number XXXX for credit bureau to call ask for report. thank You so much for your time helping me.

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 2023-10-06 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: TX

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information 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 explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: FL

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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