vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 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: CA

Complaint narrative:
I am filing a formal complaint against Nelnet regarding improper interest accrual and mismanagement of my student loan account during and after my enrollment in the SAVE repayment plan.

Before consolidating my loans, I had a principal balance of {$260000.00} and {$20000.00} in accrued interest. That interest was capitalized and added to the principal during consolidation, raising my balance significantly. I was never clearly informed that this would occur.

During the lengthy processing period of my consolidation application, an additional {$5500.00} in interest accrued by the time I was placed in the SAVE program. I did not receive proper disclosure that interest would accumulate during this time. I called several times, and multiple representatives apologized for the misinformation. This is in the call logs. 

In XX/XX/year>, I submitted my IDR recertification. Shortly after, I received a letter from Nelnet stating that my loans would be placed in forbearance and would not accrue interest during this time. Despite this assurance, my interest has now ballooned to over {$9000.00}. This contradicts Nelnets written communication and represents a misrepresentation of loan servicing terms.

I have attempted to resolve this directly with Nelnet, but I continue to receive inconsistent responses, no clear accountability, and no correction of the errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: NC

Complaint narrative:
Only have around XXXX in student loan debt. I am currently XXXX XXXX XXXX. And enrolled in loan forgiveness and saving plan where my payments are {$0.00}. MOHELA is reporting to the credit bureaus I and behind in payments and I have over XXXX in student loans. I have not been to college since 2016. My credit score has dropped over XXXX points. I also do strongly believe my personal and financial information was compromised without my authorization which should be protected by XXXX XXXX Rights and Privacy Act ( XXXX ) protects the confidentiality of student records. I should not be collecting interest while XXXX in forbearance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/XXXX, a charge of {$16000.00} was made on my credit card by XXXX, XXXX. After the transaction, XXXX was placed under SEC  receivership and later confirmed by a federal court to have operated as a Ponzi scheme. I was identified by the FBI as a victim of this fraud. I submitted a written dispute to the credit card company in XX/XX/XXXX, along with supporting documentation including SEC filings, court orders, FBI notices, emails from XXXX, and certified mail receipts. 

Despite the overwhelming evidence of fraud, the credit card company refused to reverse the charge. Their written response dated XX/XX/XXXX, stated that while I may have a valid complaint with the merchant, they determined the transaction was valid and would remain on my account. This decision appears to be based on internal policy or timing, not the facts or applicable consumer protection laws. The charge has now been added back to my statement and reported to credit bureaus despite being tied to a federally confirmed Ponzi scheme.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: PA

Complaint narrative:
My account with EXPERIAN 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. 


EXPERIAN 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 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 2025-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I have a collection account for my company called IC system for {$290.00} I disputed it on XXXX XXXX at least XXXX times they keep saying it's my account I have no idea who they are or where this came from

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 2025-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to formally request validation of the alleged debt mentioned above, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ). It has come to my attention that this debt is currently being reported on my credit report, and I would like to resolve this matter. 

Please provide : XXXX. * * Documentation that verifies the debt * * : Proof that I agreed to the terms which led to this debt, including the original signed agreement if applicable. 

XXXX. * * Detailed accounting of the debt * * : An itemized statement providing a breakdown of how the alleged amount was calculated. 

XXXX. * * Verification that your company is legally entitled * * to collect this debt : Details such as licensing documentation if required in my state. 

Furthermore, should you be able to validate the debt, I am willing to discuss an appropriate settlement arrangement to satisfy any legitimate and validated obligations. As part of this resolution, I would request that you provide written confirmation that upon payment, the negative entry related to this account will be deleted from all major credit reporting agencies ( Experian, XXXX XXXX XXXX ). 

If you are unable to validate this debt, I respectfully request that you cease collection activities and remove any erroneous credit report entries related to this account in accordance with the Fair Credit Reporting Act. 

Please respond in writing within 30 days of receipt, acknowledging this dispute and providing the requested validation documentation. All future communication regarding this matter should be in writing. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I just checked my Experian credit report # XXXX. I noticed that there were several inaccuracies with my personal information. The following names need to be Deleted : - XXXX XXXX Name ID # XXXX - XXXX XXXX XXXX Name ID # XXXX I also need the following phone numbers Deleted because they are inaccurate also : - XXXX - XXXX - XXXX I also need the following addresses Deleted because they are inaccurate : - XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Address ID # XXXX - XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Address ID # XXXX - XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Address ID # XXXX - XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Address ID # XXXX My only and current address is XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX My only and current phone number is : 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 2025-04-17 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: AR

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: AZ

Complaint narrative:
Having to deal with these wrong items on my report has taken a serious toll. Ive worked hard to stay on track financially, but these mistakes have made it feel like none of that matters. Ive been rejected and questioned over things I know aren't right, and its exhausting.

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 2025-04-17 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: GA

Complaint narrative:
Subject : Notice of Data Breach and Identity Theft - Request for Immediate Blocking of Fraudulent Accounts Under FCRA Section 605B To Whom It May Concern, I am writing formally you that my personal information was compromised due to a data breach, which has led to identity theft and fraudulent activity on my credit report. Specifically, I am referencing the [ Experian/Equifax/TransUnion ] data breach , which exposed sensitive personal information, putting me at significant risk. 

Under 15 U.S. Code 1681c-2 ( FCRA Section 605B ), you are required to block any accounts or inquiries within four business days of receiving this request. I demand immediate action to remove the fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: GA

Complaint narrative:
Subject : Notice of Data Breach and Identity Theft - Request for Immediate Blocking of Fraudulent Accounts Under FCRA Section 605B To Whom It May Concern, I am writing formally you that my personal information was compromised due to a data breach, which has led to identity theft and fraudulent activity on my credit report. Specifically, I am referencing the [ Experian/Equifax/TransUnion ] data breach , which exposed sensitive personal information, putting me at significant risk. 

Under 15 U.S. Code 1681c-2 ( FCRA Section 605B ), you are required to block any accounts or inquiries within four business days of receiving this request. I demand immediate action to remove the 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 non-monetary relief
Consumer complaint received 2025-04-17 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: TN

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-04-17 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: NJ

Complaint narrative:
I, XXXX XXXX XXXX, XXXX on behalf of XXXX XXXX assert that my credit report across all three credit Bureaus is incorrect and Fraudulent. As per House XXXX XXXX XXXX XXXX All debts are obligations of the United States and have been settled. Debts in my name and any variation of my name have been paid in full. XXXX, any negative inquiries in my credit report should be removed and shouldn't be impacting my credit score. Any bank or banking institutions claiming that they have " lent '' or have the power to lend any credit to me upon requiring me to provide my social security number is seen as fraud. As per 15 U.S.C. 1602, I am the sole creditor and my signature is what produces the credit along with my social security number under 15 U.S.C. 1602 ( I ). My social security number is a form of credit, therefore any person who has access or use of my credit without providing any benefit to the card holder is unauthorized use as per 15 U.S.C. 1602 ( P ). Whereas banks who have access to my social security number upon requiring it for a loan and deny me credit is seen as fraud and an act of dishonor. Under 12 CFR 202.9 denying me credit for a bad credit score is an insufficient reason to deny me. I can not be denied credit as I am the one that is extending credit to myself through the use of my social security number. Furthermore I do not recognize any of the inquiries in my credit report in all XXXX credit Bureaus and consider it fraud.

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 2025-04-17 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: NJ

Complaint narrative:
I, XXXX XXXX XXXX, XXXX on behalf of XXXX XXXX assert that my credit report across all three credit Bureaus is incorrect and Fraudulent. As per House XXXX XXXX XXXX XXXX All debts are obligations of the United States and have been settled. Debts in my name and any variation of my name have been paid in full. XXXX, any negative inquiries in my credit report should be removed and shouldn't be impacting my credit score. Any bank or banking institutions claiming that they have " lent '' or have the power to lend any credit to me upon requiring me to provide my social security number is seen as fraud. As per 15 U.S.C. 1602, I am the sole creditor and my signature is what produces the credit along with my social security number under 15 U.S.C. 1602 ( I ). My social security number is a form of credit, therefore any person who has access or use of my credit without providing any benefit to the card holder is unauthorized use as per 15 U.S.C. 1602 ( P ). Whereas banks who have access to my social security number upon requiring it for a loan and deny me credit is seen as fraud and an act of dishonor. Under 12 CFR 202.9 denying me credit for a bad credit score is an insufficient reason to deny me. I can not be denied credit as I am the one that is extending credit to myself through the use of my social security number. Furthermore I do not recognize any of the inquiries in my credit report in all XXXX credit Bureaus and consider it fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: CO

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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My account with 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. 


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 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 2025-04-17 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:
I am formally disputing the accuracy and validity of the XXXX XXXX charge-off account ending in XXXX with a reported balance of {$17000.00}, opened on XX/XX/year>, as I believe it is either inaccurately reported, no longer legally collectible, or lacks proper validation, and I request immediate investigation and removal of this entry from all credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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 am formally disputing the accuracy and validity of the XXXX XXXX charge-off account ending in XXXX with a reported balance of {$17000.00}, opened on XX/XX/year>, as I believe it is either inaccurately reported, no longer legally collectible, or lacks proper validation, and I request immediate investigation and removal of this entry from all credit reporting agencies

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