vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc.
State: NM

Complaint narrative:
Subject I am filing this complaint against Unifin , Inc. for violations of the Fair Debt Collection Practices Act ( FDCPA ).

Unifin is attempting to collect an alleged debt referenced as # XXXX, which I dispute in full. Despite my dispute, Unifin has continued to contact me through repeated phone calls and text messages, including from XXXX, XXXX, and via UnifinXXXX. 

I have demanded that Unifin cease all phone and text communications and provide proper debt validation, including proof of ownership of the alleged debt ( bill of sale, chain of title, and any forward flow agreement ). To date, Unifin has failed to provide legally required validation while continuing collection activity. 

This conduct constitutes : Harassment and unauthorized communication Failure to validate a disputed debt Continued collection activity during a dispute Unifins actions violate 15 U.S.C. 1692c and 1692g.

I am requesting that the CFPB require Unifin to : Cease all collection activity immediately Stop all phone calls and text messages Provide proper debt validation or close the account Correct any inaccurate credit reporting, if applicable I am documenting these violations and reserve my right to pursue further remedies. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: GA

Complaint narrative:
Date : XX/XX/year> To : Nelnet Servicing , LLC XXXX : Credit Reporting Disputes Address : XXXX XXXX XXXX XXXX XXXX XXXX RE : NOTICE OF DISPUTE PURSUANT TO 15 U.S.C. 1681s-2 & 15 U.S.C. 1692g Consumer Name : XXXX XXXX To the Compliance Department of Nelnet : I, XXXX XXXX, am formally disputing the accuracy of the above-referenced account. This letter serves as a formal demand for the immediate investigation and verification of the alleged debt as required under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Legal Basis for Dispute : Inability to Verify Signature : Pursuant to 15 U.S.C. 1692g, I demand that you produce the original, authenticated " wet ink '' signature or a certified electronic signature ( e-sign ) certificate that links this debt to me. I have no record of authorizing this account. A computer printout is insufficient evidence of a contract under the Uniform Commercial Code ( UCC ). 

Impact of Data Breach & PII Compromise : It is a matter of public record that Nelnet has experienced significant data breaches, compromising the Personal Identifiable Information ( PII ) of millions of borrowers. Due to this breach, your internal records are fundamentally compromised. I maintain that my identity has been used without my consent, and your records can not be relied upon as a " source of truth '' to verify this debt. 

Violation of FCRA 623 : Under 15 U.S.C. 1681s-2 ( a ) ( 8 ), you have a legal duty to provide accurate information to Credit Reporting Agencies ( CRAs ). Reporting unverified or fraudulent data following a breach constitutes a willful violation of the law. 

Demand for Competent Evidence : I demand you provide a complete chain of title and the original promissory note. Failure to provide a verified signature that matches my own proves that you are reporting inaccurate data. 

Notice of Required Action : Under 15 U.S.C. 1681i, you have thirty ( 30 ) days to conduct a reasonable investigation. If you can not provide the specific documentation requested above to verify the authenticity of my signature, you must immediately : Cease all reporting of this account to XXXX XXXX XXXX XXXX 
Request the permanent deletion of this trade line from my credit file. 
Failure to comply will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and I reserve the right to seek statutory damages of up to {$1000.00} per violation plus attorney fees under 15 U.S.C. 1681n. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: MD

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-12-29 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: TX

Complaint narrative:
Good day, This letter serves as a formal and final notice regarding TransUnions continued reporting of an account that you have explicitly confirmed as deleted, yet remains present on my TransUnion credit report. 

This letter is sent in good faith to provide TransUnion one final opportunity to correct its error before escalation.Govern yourself accordingly.

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 2025-12-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
During the XXXX period, Capital One closed a credit card account due to delinquency without providing any notice by mail or email and without offering options to resolve or pay the balance. I was never warned that the account would be closed and was suddenly locked out of the account with no opportunity to address the delinquency. 

The negative credit reporting related to this closed account did not appear until XX/XX/year>, when my husband added me as an authorized user on his new Capital One credit card account that he opened. At that point, the previously closed account and associated negative information began appearing on my credit reports. 

I later filed a CFPB complaint requesting an explanation of why the account was closed without notice, whether any notice had been sent, what resolution or payoff options were offered before closure, and how Capital One investigated these issues. The dispute included sufficient information to identify the account, and XXXX XXXX acknowledged receipt of the dispute by assigning a case number and responding in writing. 

Despite acknowledging the dispute, Capital One stated that it was unable to tie the specifics of the concern to the account and closed the complaint without addressing the lack of notice, the lack of resolution options, or providing evidence of an investigation. Capital Ones written response acknowledges receipt of the dispute but does not explain why no notice was sent, why no resolution options were offered, or what investigation, if any, was conducted. 

The account remains closed and continues to be reported negatively to XXXX, XXXX, and XXXX  based on events that occurred without notice and without an opportunity to resolve the account. I am submitting this complaint because the investigation did not address or fix the underlying issue, and the reporting harm remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: TX

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

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 2025-12-29 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: MD

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-12-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Servicer under contract with Federal Student Aid
State: GA

Complaint narrative:
Product : Student loan / Credit reporting Issue : XXXXnaccurate credit reporting & failure to communicate accurate account status I am filing this complaint regarding inaccurate credit reporting and extended communication failures by XXXX following my FAFSA update. 

I submitted updated information through FAFSA as required. Due to failures in processing and communication between FAFSA and XXXX, my updated information was not properly reflected in XXXX system for several months. During this time, I received no accurate billing information and no clear notice of my actual loan status. 

I first became aware that there was an issue only after reviewing my credit report and discovering that my credit score had dropped by approximately XXXX points due to late payments reported by XXXX. This was the first time I learned that XXXX considered my account delinquent. 

As soon as I became aware of this in May, I immediately contacted XXXX and set up payments in good faith. Had I been properly informed of my account status earlier, I would have made timely payments. The late reporting occurred solely because XXXX failed to provide accurate and timely information regarding my loan status. 

Despite this, XXXX reported the account as delinquent to the credit bureaus. This reporting is inaccurate and misleading under the Fair Credit Reporting Act and does not reflect my actual payment responsibility.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-29 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:
On XX/XX/year> I submitted a complaint to Equifax, complaint number XXXX Transunion complaint number XXXX and Experian complaint number XXXX, as you can see the complaint was sent to the companies the same day, well it took 49 days for TransUnion to respond,54 days for Equifax to respond and 60 days for Experian to respond and according to the fcra they have and average of 30 to 45 days to respond and seeing that it took a lot longer that collection from XXXX XXXX XXXX should be removed from my account immediately, and since it was not done at that time I am not required to wait another 30 -45 days, so could you please removed this collectionrom all three of my credit reports Experian, Equifax and Transunion immediately, never to be put on there again whether it be by the original creditor XXXX XXXX XXXX or whether it's sold to another entity

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 2025-12-29 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: FL

Complaint narrative:
On XX/XX/year> I submitted a complaint to Equifax, complaint number XXXX Transunion complaint number XXXX and Experian complaint number XXXX, as you can see the complaint was sent to the companies the same day, well it took 49 days for TransUnion to respond,54 days for Equifax to respond and 60 days for Experian to respond and according to the fcra they have and average of 30 to 45 days to respond and seeing that it took a lot longer that collection from XXXX XXXX XXXX should be removed from my account immediately, and since it was not done at that time I am not required to wait another 30 -45 days, so could you please removed this collectionrom all three of my credit reports Experian, Equifax and Transunion immediately, never to be put on there again whether it be by the original creditor XXXX XXXX XXXX or whether it's sold to another entity

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: CA

Complaint narrative:
I am filing this complaint with the Illinois Attorney General because the issue concerns my former XXXX XXXX address at XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, IL XXXX. I was unemployed from XX/XX/XXXX through XX/XX/XXXX and moved out of this address in XX/XX/XXXX. During my unemployment, I contacted XXXX to resolve my balance and was assured the account was handled due to my financial hardship. 

I recently learnedonly through a credit monitoring alertthat Contract Callers , Inc. reported a collection account. I was never contacted by phone, mail, or email, and received no notice or opportunity to resolve or dispute the account. This lack of notice is improper and has serious consequences for me professionally. I now work as a Qualified Individual under NMLS requirements, and this collection could jeopardize my ability to obtain state licensing. 

I am requesting that Contract Callers remove this collection from my credit report immediately, and that XXXX honor the hardship resolution previously discussed. I no longer have the original correspondence due to the time that has passed, but I acted in good faith and relied on XXXX representations. 


I have conducted research on this company as well and have identified that they use pressure tactics like never reaching out to customers and placing collection accounts on credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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:
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 2025-12-29 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
I became aware of this alleged rental-related debt more than three months ago when a collection account appeared on my consumer credit reports reported by National Credit Systems in the amount of {$5000.00}.

I contacted National Credit Systems shortly after discovering the account to request information regarding the alleged debt. I was not provided any written notice or debt validation as required under 15 U.S.C. 1692g ( a ) of the Fair Debt Collection Practices Act ( FDCPA ). Instead, I was only provided with online login information to submit payment.

No initial written notice was ever mailed to me within five days of the first communication, and I have never received documentation identifying the original creditor, an itemized accounting of the charges, a copy of the lease, or proof that I am legally responsible for the alleged amount.

Additionally, National Credit Systems has failed to provide proof of legal standing or assignment demonstrating that it has the authority to collect this alleged landlord debt. 

Despite the failure to provide the legally required notice and validation, National Credit Systems continues to report the alleged debt to consumer reporting agencies, which constitutes continued collection activity in violation of the FDCPA. The continued reporting of this unverified account also violates the Fair Credit Reporting Act ( FCRA ), as the information being furnished is inaccurate, incomplete, and unverifiable. 

I dispute this alleged debt in its entirety and am requesting regulatory review and appropriate corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: IL

Complaint narrative:
I am submitting this formal dispute and legal demand concerning multiple inaccurate personal identifiersincluding names and addressesthat are currently being reported across my credit files. 
I hereby affirm that I have never used, authorized, or been associated with the listed aliases, and I have never resided at the reported addresses appearing on my consumer reports. These entries are false, misleading, and unverifiable, and they have no lawful connection to me or my financial history. 

The continued reporting of these incorrect names and addresses constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy in the information they furnish. Additionally, under 15 U.S.C. 1681i ( a ), you are legally required to conduct a prompt and thorough re-investigation of disputed information upon receiving notice of inaccuracy. 
The presence of this false personal information creates a heightened risk of identity confusion and potential fraud, directly harming my ability to obtain credit, employment, or housing under fair and accurate conditions. These errors may also indicate negligent data handling in light of ongoing national identity theft and data breach concerns.

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