vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: WI

Complaint narrative:
It's real simple, Sloan are con artists and awful people. I've tried to resolve this issue for 61 phone calls and was hung up on everytime for being " inprofessional ''. Let that sink in, someone who doesn't even know it's unprofessional getting tough and XXXX. The reg amount due I'm told doesn't show up as XXXX, my last XXXX. They've called me a liar over 400 times, all recorded for my lawyer. I'm attaching the screenshot and see for yourself who's the im-proffesional liar. By the way, ripping people off isn't my profession so it makes sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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:
I am begging for help because these misleading accounts are still appearing on my credit report and nothing has been taken off. I am pleading with you to go through the documents I attached carefully so I can finally stop living in fear and stress over this.

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 2025-10-23 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:
It fails to represent my real financial standpoint.

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 2025-10-23 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: MI

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXXThe bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXXThe bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
I opened this master card account with Fortiva, and since day one, I put the account on ACH, there was no problem and suddenly, a call about late payment. I argued, because they get paid. 
But the representative refuse and keep saying that I have a late payment. I wanted to speak to a supervisor, when she came to the phone said to me, our record show, you have a late payment. I make a payment with a debit card. the following month, they want me to pay 4 times more, of what I should pay. 
Please help me, so those people going to mess up my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: MD

Complaint narrative:
I am filing this complaint against Equifax, Experian, and TransUnion for unlawfully reporting a charge-off account from XXXX XXXX Account XXXX XXXX XXXX 

This account is being reported inaccurately and in violation of the Fair Credit Reporting Act ( FCRA ). The bureaus have failed to ensure maximum possible accuracy as required by 15 U.S.C. 1681e ( b ), and continue to publish damaging information that can not be verified.

Additionally, any reinsertion or continued reporting of this account after prior deletion or dispute without proper certification from the furnisher violates 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which mandates that a credit bureau must obtain written certification before re-adding previously removed information. 

The bureaus ongoing publication of this charge-off despite its questionable accuracy constitutes reckless disregard for the consumers rights. The failure to conduct a reasonable reinvestigation, as highlighted in XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), and the failure to maintain reasonable procedures, as seen in XXXX v. XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), are clear violations of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
ON XX/XX/year> I WAS A VICTIM OF IDENTITY THEFT THIS ACCOUNT LVNVFUNDINGLLC AMOUNT OF {$3600.00} DOES NOT BELONG TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
XX/XX/XXXX - Three ATM withdrawals, all in the amount of XXXX were completed in XXXX XXXX, all between XXXX. 
XXXX XXXX Reported to Venmo XXXX 
XXXX Claim denied. 
XXXX - Appeal initiated. 
XXXX Appeal Denied. 
XXXX Called Venmo and instructed to furnish proof of fraud. 
XX/XX/XXXX - A copy of my hospital discharge report ( which noted that I was hospitalized at time of fraud activity ) XXXX Called Venmo, who reported that the appeal was once again denied. 

I'm out XXXX dollars, even though I provided proof there was no way I could have withdrawn from an ATM machine that was 50 miles from where I was currently hospitalized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: LA

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My late husband and I opened a joint account with XXXX more than 10 years ago. When my husband passed away, I reported it to XXXX. 

Today I received a credit alert that my available credit had been reduced by {$6000.00}, the amount available on the XXXX account. 

When I logged into the account, my name had been removed and only my late husband 's name was shown. I called Synchrony and they confirmed that I was not on the account and that I had erroneously been removed from the account. 

I am extremely concerned about the damage done to my credit through no fault of my own. Had I not signed up for credit alerts, this situation could have continued indefinitely. XXXX has requested 48 hours to correct their error.

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 2025-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I received a collection notice from XXXX XXXX XXXX claiming to collect a {$2000.00} debt on behalf of LVNV Funding LLC, originally from TXXXX XXXX XXXX XXXX. I dispute this account in full. The collector has not provided any validation or documentation proving I owe this debt or that they are legally authorized to collect in my state. I requested full validation including a signed original contract, a complete payment ledger, proof of assignment from the original creditor, and a copy of their state license to collect. Until this is validated, their collection and reporting are unauthorized and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am submitting this complaint against Equifax, Experian, and TransUnion for their willful and unlawful reporting of the tradeline XXXX XXXX Account XXXX XXXX, which continues to appear as a charge-off on my credit reports. 

Under 15 U.S.C. 1681e ( b ), credit bureaus are legally required to follow reasonable procedures to assure maximum possible accuracy. Reporting this account despite lack of verified accuracy is a clear violation of that standard. 
Additionally, 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) prohibits the reinsertion of previously deleted or disputed data unless the furnisher provides a certification of accuracy and the consumer is notified within five business days. None of these procedures were followed.

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 2025-10-23 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: TN

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
In early XXXX, I was offered an XXXX XXXX credit card at the store checkout. The cashier completed the registration at the counter, but I never received or activated any physical card. I assumed my purchase had simply gone through my existing personal credit card. 

Months later, while applying for a mortgage, I discovered that late payments for XXXX, XXXX, and XX/XX/year> had been reported on my credit report. I was shocked, as I had never received any communication or card from the bank.

After realizing this, I called Comenity Banks customer service multiple times, offering my SSN and address to verify my identity and make the payment by phone. However, they refused to assist me because I didnt have a card number which I never received. 

After days of trying to reach someone, one representative finally called me back. During that call, I paid the {$38.00} balance online ( something I was very hesitant to do ), and the representative confirmed that my address had been entered incorrectly and that the card had never been activated. 

Despite this clear error, the late payments remain on my credit report and have negatively impacted my credit score. I have already filed disputes with XXXX XXXX XXXX XXXX but they have not corrected it. I am therefore requesting that the CFPB investigate this issue and require Comenity Bank to remove the inaccurate late payment records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: GA

Complaint narrative:
I, XXXX XXXX XXXX XXXX, am filing this complaint against TransUnion LLC for multiple violations of the Fair Credit Reporting Act ( FCRA ) related to the XXXX  TransUnion data breach, which compromised consumer personal and financial information, including mine. Following this breach, I have identified inaccurate, incomplete, and unverifiable information appearing on my TransUnion credit report. 
Despite submitting disputes and documentation to correct these errors, TransUnion has failed to conduct a proper reinvestigation as required under Section 611 ( 15 U.S.C. 1681i ). Furthermore, TransUnion has not provided adequate verification, notice, or resolution regarding the handling and exposure of my personal data, in violation of Sections 607 ( a ) and 623 ( b ) of the FCRA.

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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I, XXXX XXXX XXXX XXXX, am filing this complaint against TransUnion LLC for multiple violations of the Fair Credit Reporting Act ( FCRA ) related to the XXXX  TransUnion data breach, which compromised consumer personal and financial information, including mine. Following this breach, I have identified inaccurate, incomplete, and unverifiable information appearing on my TransUnion credit report. 
Despite submitting disputes and documentation to correct these errors, TransUnion has failed to conduct a proper reinvestigation as required under Section 611 ( 15 U.S.C. 1681i ). Furthermore, TransUnion has not provided adequate verification, notice, or resolution regarding the handling and exposure of my personal data, in violation of Sections 607 ( a ) and 623 ( b ) of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I was contacted on XX/XX/XXXX by email stating I owe a debt by XXXX XXXX XXXX account was sold to Resurgent Capital Services LP on XX/XX/XXXX. Ive never heard of this company nor do I owe them any money. According to their records this account was opened XXXX XXXX. If I did owe this debt it would be XXXX XXXX XXXX. The statue of limitation in XX/XX/XXXX is XXXX XXXXThis 'd debt collector has breaching the contract by trying to reopen this old debt XX/XX/XXXX code XXXX XXXX ( a ) states a debt collector has 6years therefore this debt has expired. I wish not to be contacted by phone or email or harassed. This debt is a form of identity theft. I have screenshot information about this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I sent a debit validation letter, and its been more than a month, no answer, and still reporting on my credit 2 time a month with increased the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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:
Make certain that disputed accounts are removed promptly, per the law.

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 2025-10-23 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: AR

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-10-23 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: FL

Complaint narrative:
This letter serves as formal notice of violation under the Fair Credit Reporting Act ( FCRA ). Your agency has falsely claimed to have verified an account that remains inaccurately listed on my consumer report. This constitutes a violation of 15 U.S.C. 1681i, 1681s-2, 1681c, and 1666. The inaccurate account ( s ) must be deleted within seventy-two ( 72 ) hours of receipt of this notice to avoid legal action seeking {$1000.00} per violation for willful noncompliance under 1681n.

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 2025-10-23 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 begging for help because these misleading accounts are still appearing on my credit report and nothing has been taken off. I am pleading with you to go through the documents I attached carefully so I can finally stop living in fear and stress over this.

Company response to consumer: Closed with explanation