vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I discovered that Experian had added a fraud alert to my credit file. I did not authorize or request this alert. I have contacted Experian to request that it be removed. I provided all required identity verification documents and complied with their procedures, but the alert remains. 

This incorrect fraud alert is causing delays and denials in my credit applications, resulting in financial harm. I am requesting that Experian promptly remove the fraud alert from my credit file and provide written confirmation once it has been removed.

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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: FL

Complaint narrative:
What happened? 
In XX/XX/2023, my federal student loan servicing was transferred from Great Lakes to Nelnet. For years under Great Lakes, I maintained a perfect payment history with XXXX late payments. At the time of the transfer, I had recently moved and no longer had access to the email address on file. As a result, I did not receive proper login credentials or instructions for accessing my new Nelnet account. 

Nelnet placed my account into a XXXX administrative forbearance through XX/XX/2023, with my first payment scheduled for XX/XX/2023, as directed by the U.S. Department of Education XXXX However, because of the lack of timely account access and missing notifications, I was unaware that payments were showing as past due after XXXX. 

In reality, only two months of payments were late before I noticed and immediately paid the full past-due balance. But because my account is structured as 10 individual loans, Nelnet reported each loan as late for those two months resulting in 20 separate late-payment notations across my credit reports. 

This has caused severe and disproportionate damage to my credit profile. My credit score dropped from XXXX to XXXX in a matter of weeks. This has triggered credit limit reductions on my existing credit cards, denials for new credit, and negative impacts on my business financing ability. 

I contacted Nelnet and explained the circumstances including the fact that the missed payments were directly tied to the servicer transition, that relief measures ( COVID forbearance ) were still in effect during this period, and that my prior servicers record shows years of on-time payments. Despite this, Nelnet stated they can not or will not send any correction to the credit bureaus, placing the burden solely on me, even though their own transition process caused the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: FL

Complaint narrative:
American Coradius International LLC is reporting an alleged debt to the credit bureaus without ever sending me the required debt validation notice under FDCPA 15 U.S.C. 1692g ( a ). I check my mail every single day and have never received any letter, phone call, or email from them about this debt before it appeared on my credit report. I do not recognize this debt, and I was never given the legally required 30 days to dispute it or request validation. 

To this day, they have still not provided me with any documents verifying the debt or proving that I owe it. This is a direct violation of the FDCPA and shows complete disregard for my consumer rights. 

After my first CFPB complaint, they sent me a letter dated XX/XX/2025 that completely misrepresented my position. They falsely claimed I said I was a victim of fraud or identity theft and demanded a police report or affidavit. I never made such a claim and the online record of my original CFPB complaint proves it. My dispute has always been about their failure to comply with the law, not identity theft. 

This false statement appears to be a deliberate attempt to avoid addressing their legal violations and to shift the burden onto me. It is deceptive, misleading, and abusive. They are taking advantage of me by continuing to report unverified information, knowing they have not followed the required steps to validate the debt. 

I will be attaching proof of my original CFPB complaint and a copy of the misleading letter they sent me so there is a clear record of their false statements and ongoing non-compliance. 

I request that the CFPB require this company to : 1. Immediately delete this account from all consumer credit reports XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 

2. Cease all collection activity. 


If they continue to misrepresent my statements, withhold verification, or report unverified information, will result in further formal complaints to the CFPB, FTC, the New York State and Florida State Attorney GeneraI, and I will pursue damages to the fullest extent allowed under the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
I am disputing an account reported by Amsher Collection Services. This account does not belong to me and was opened fraudulently without my authorization. I have previously attempted to get this account removed, but it remains on my credit report and continues to harm my credit. I request that Amsher Collection Services remove the fraudulent account from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: EQUIFAX, INC.
State: IL

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 explanation
Consumer complaint received 2025-08-09 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: IN

Complaint narrative:
I have made numerous attempts to get TransUnion to remove a couple of closed accounts on my credit report and they denied them continuously and I even went to the bank and the place that I have the accounts with and they said it should have been dropped off already the car loan is paid in full already and it's been paid since the last payment date and they won't remove it because it's showing negative payment history on my credit report and I asked them many times to remove it and they keep denying it and I have proof that they have denied it more than once.

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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This account is being reported inaccurately and incompletely. It shows a balance of {$800.00} but fails to report the Amount Past Due, Date of Last Payment, and Account Type. Additionally, I dispute the accuracy of the status Collection/Charge-off. Please verify this account with full documentation from the furnisher, including complete payment history and original agreement, or delete it from my credit file per FCRA 611.

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 2025-08-09 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: GA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-08-09 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:
To Whom It May Concern, I am writing to formally dispute inaccurate and/or fraudulent personal information currently listed in my credit file. The only correct and verified personal information for my file is as follows : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/year> Last XXXX of XXXX : XXXX Current Address : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX Phone Number : XXXX Any other personal information appearing in my credit file is incorrect, outdated, or fraudulent and must be removed immediately. 

This letter serves as my formal request, under the Fair Credit Reporting Act ( FCRA ), that you investigate and correct these inaccuracies promptly. I am enclosing copies of my identification and proof of address to verify my identity. 

If I do not receive a response confirming the completion of this investigation and the correction of my personal information within the time frame required by law, I will pursue further legal action to protect my rights. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX Enclosures : Copy of Drivers License or State ID Copy of Utility Bill / Proof of Address

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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:
To Whom It May Concern, I am writing to formally dispute inaccurate and/or fraudulent personal information currently listed in my credit file. The only correct and verified personal information for my file is as follows : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/year> Last XXXX of XXXX : XXXX Current Address : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX Phone Number : XXXX Any other personal information appearing in my credit file is incorrect, outdated, or fraudulent and must be removed immediately. 

This letter serves as my formal request, under the Fair Credit Reporting Act ( FCRA ), that you investigate and correct these inaccuracies promptly. I am enclosing copies of my identification and proof of address to verify my identity. 

If I do not receive a response confirming the completion of this investigation and the correction of my personal information within the time frame required by law, I will pursue further legal action to protect my rights. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX Enclosures : Copy of Drivers License or State ID Copy of Utility Bill / Proof of Address

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 2025-08-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
I told the company that XXXX XXXX XXXX service member in the XXXX, and I would like to use the SCRS benefits to lower down my interest rate, they asked me for my military orders which I sent them the same day. 2 weeks after they told me that they will not allow the use of SCRA because a company policy will not allow it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
The Synchrony bank said that i had been promoted with a discount to pay up my entire amount in XXXX, but i wasn't told nor signed up for that! I asked if they offer credit cards to be paid overtime with minimum payments, & now my balance is all interest because the XXXXXXXX XXXX who helped me opening the account was rushing me to open the account & hang up by answering yes to all my questions & i don't think he/she understood what i was asking for! 
I had some furniture from amazon back in XXXX & i decided to finance them with synchrony bank, but turned out that not only me, oh dear XXXX, but soo many other people too had the same issue. That can't be a bank, it's a scam. 
I have an image shows how many people have submitted a horrible review about that scam, synchrony bank, for evidence.

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 2025-08-09 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: NY

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-09 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:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681c2.

The listed credit reporting agency is reporting accounts, inquiries, and/or collections that do not belong to me and were added without my consent. These items resulted from the unauthorized use or distribution of my personal information and qualify under the legal definition of identity theft.

I have submitted an official FTC Identity Theft Report detailing the affected items. I am requesting the immediate block and deletion of all unauthorized or unverifiable accounts, inquiries, and collections under federal law.

The CRA has no permissible purpose or verifiable source to continue reporting these items. If they can not verify each disputed item with documented evidence, they are legally required to remove them within 4 business days under 15 USC 1681c2.

I am attaching : FTC Identity Theft Report My government-issued ID Social Security card Proof of address A list of disputed accounts/inquiries Please investigate and remove the accounts and all associated negative information immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have reported this to you multiple times at this point Im at a loss as to why were still dealing with this. I should have a XXXX balance. These were fraudulent transactions and I reported them to you and you just kept letting people the criminal use the card over and over again I was in none of these places You claim you have a XXXX fraud liability but you wont even investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the forementioned accounts, collections, and hard inquiries are the results of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: Central Portfolio Control Inc.
State: AZ

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the forementioned accounts, collections, and hard inquiries are the results of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-08-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: PA

Complaint narrative:
About two months ago, out of the blue i received a XXXX XXXXXXXX XXXX and an XXXXXXXX XXXX XXXX  I never requested either credit card ( I am currently of work due to XXXX and a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX payments from XXXX ). I have started receiving emails and text messages for the XXXXXXXX XXXX card totaling {$70.00}, I HAVE NOT activated the card at all and did not request this card. Any kind of help would be appreciated and to help fellow consumers that may be in the same position as I am.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: NJ

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
This is not my debt! I recently checked my credit report and saw this. This must be deleted immediately!

Company response to consumer: Closed with explanation