vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
Master promissory note does not have Nelnet listed on contract. Furthermore Nelnet has not provided any documentation with my signature given the right to share my personal information or data. They have effectively destroyed my credit worthiness. When I called, back in the month of XXXX, this company did not have any answers and ability to correct issue. I was not properly informed before action took place. I believe this company has violated FERPA, 15 U.S.C. 6801, FCRA ) Gramm-Leach-Bliley Act ( GLBA ) Lack of Permissible Purpose Fair Credit Reporting Act ( 15 U.S.C. 1681b ) Violation of 15 U.S. Code 6801 Protection of Nonpublic Personal Information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a complaint to formally dispute several inaccurate and/or unverifiable entries currently listed on my credit report, which I obtained from your bureau. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe to be incomplete, inaccurate, or not verifiable. I am exercising that right and requesting that you conduct a reasonable investigation into the accounts listed below. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: FL

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 2025-05-16 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: SC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$2200.00} XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Experian XXXX NC XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XX/XX/XXXX Equifax XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-16 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: MN

Complaint narrative:
I am filing a complaint because my creditor is reporting closed accounts on my account starting in XXXX ( XXXX  ), XXXX ending in XXXX, XXXX starting in XXXX, XXXX  XXXX starting with XXXX, XXXX starting in XXXX, and XXXX starting with XXXX ; that are inaccurate and not properly verified. I have disputed this directly with the credit bureaus and the furniture but the late payments remain without proper validation or documentation. Under 15 usc 1681 s 2A, a furnitures must report accurate information under 15 usc 1681 I, the credit bureaus must perform a reasonable investigation within 30 days. Neither of them have provided sufficient evidence to support the negative reporting.

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 2025-05-16 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: NV

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: NV

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed 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 2025-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
I started a charity on paypal in XXXX. Paypal says XXXX was part of the reason my account was locked. I havnt recieved any funds or ben able to access my. data. Its been active over seas receiving funds for my charities. nonprofit. I havnt been able to take care of the chariable relations. The site was unlocked XX/XX/XXXX and now im baned on the site. but there is a lot of funds owed to my organizations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: GA

Complaint narrative:
I was referred to Lexington Law Services by a friend because she and her husband were using them. So. I decided to give Lexington Law a chance with help dissolve my unwanted debt. So, when I called the company to try there Services I was told that I had to do bank draft payments to pay them so I did. Lexington Law started disputing my items on my credit report. But for months nothing wasn't being removed. I was always being told to just be patient things like this takes time, So, I continued to wait and make my monthly payments until I realized that my money nothing ever came off my report but they would always call to inform me to make sure that my payment would be available for them to draft out there monthly payments even though my debt never changed. But, they continued to get money without providing any results!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
Charge off information was reported on my credit report from a company that I have no knowledge of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at XXXX : XXXX. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$5900.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1900.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at XXXX : XXXX. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$5900.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1900.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXX/XX/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 2025-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: GA

Complaint narrative:
I am writing to formally dispute fraudulent accounts and inquiries that have appeared on my credit report due to identity theft. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S. Code 1681c-2 ) and the Fair Credit Billing Act ( FCBA ), I am requesting that these fraudulent items be blocked, investigated, and permanently deleted from my credit report. 
I recently became aware of fraudulent activity on my credit report on XX/XX/year>, when I attempted to apply for an auto loan. Upon review, I discovered unauthorized accounts and hard inquiries linked to my personal information. I have never applied for, authorized, or conducted any transactions related to these accounts. Additionally, I have received official notice that my personal data was compromised in the XXXX  data breach, which further supports my claim of identity theft.

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 2025-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/2025 Credit inquiries from several companies and did not receive anything from or want their service

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 2025-05-16 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year>XXXX  - TU

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
There are accounts reporting on my consumer report along with addresses I've never lived and Inquires I did not give my permission to companies to retrieve my Consumer report, I've written all Three Credit Bureaus Transunion, Equifax I even sent the Data Breach document I was able to retrieve from there website stating my information had been breached and Experian with much detail asking to please Verify and validate the reported debt, I can't for the life of me understand how The Credit Bureaus can receive information from the listed companies Stating " The account was Verified '' however when I've contacted some of the companies via phone, or simply writing disputing the information reported several of the companies could not verify my personal information and informed me the information I disputed would be removed to no avail the information is still reporting. I'm asking the listed information be removed, According to the Fair Credit Reporting Act ( FCRA ), under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. In the case of Trans Union LLC v. Ramirez, the court emphasized the importance of accuracy in credit reporting and the potential harms that can arise from inaccuracies.

1. Debt Collector : XXXX XXXX : XXXX XXXX Account Number : XXXX Amount : XXXX Open Date : XX/XX/XXXX XXXX. Debt Collector : XXXX XXXX Account Number : XXXX Amount : {$190.00} Open Date : XX/XX/XXXX XXXX. Debt Collector : XXXX XXXX XXXX Account Number : XXXX Amount : {$830.00} Open Date : XX/XX/XXXX XXXX. Debt Collector : XXXX XXXXXXXX XXXX Account Number : XXXX Amount : {$12000.00} Open Date : XX/XX/XXXX XXXX. Debt Collector : XXXX XXXX XXXX Account Number : XXXX Amount : {$830.00} Open Date : XX/XX/XXXX XXXX. Debt Collector : XXXX XXXX XXXX Account Number : XXXX Amount : {$830.00} Open Date : XX/XX/XXXX 7. Debt Collector : XXXX XXXX Account Number : XXXX Amount : {$2000.00} Open Date : XX/XX/XXXX 8. Debt Collector : XXXX XXXX XXXX  Account Number : XXXX Amount : {$2900.00} Open Date : 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 2025-05-16 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:
In accordance with the Fair Credit Reporting Act ( FCRA ), the accounts listed below appear to be in violation of my federally protected consumer rights to privacy and confidentiality, as outlined under 15 U.S. Code 1681. 

Account Name : XXXX XXXXXXXX XXXX XXXX XXXX  Account # : XXXX Account Name : XXXX XXXXXXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX  Account # : XXXX Upon reviewing my consumer reports, I noticed inaccurate late payment entries on accounts for which I have always made timely payments. I have never missed a payment on the following accounts. Reporting Agencies have a responsibility to ensure the accuracy of the information they report, and it is essential that this standard is upheld. 

I am requesting a full investigation into these discrepancies. Please provide documentation such as account statements supporting the reported late payments. 

If you are unable to produce such evidence, I insist that the records be corrected immediately to reflect the accurate, on-time status of these payments, as I have consistently met my payment obligations without delay.

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