vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: CA

Complaint narrative:
1. Cease and Desist Communication : I demand that XXXX XXXX Consumer Center immediately cease all forms of communication with me, including phone calls, letters, emails, text messages, and communications through third parties. Continued contact will constitute violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the California Rosenthal Fair Debt Collection Practices Act ( Cal. Civ. Code 1788 et seq. ). 2. Debt Validation : I demand written validation of the alleged debt as required under federal and state law. This includes the exact amount claimed, the name of the original creditor, and documentation proving you are authorized to collect this debt. Failure to provide proper validation is a violation of my legal rights. 3. Credit Reporting Opt-Out : I formally instruct
Lexis Nexis Consumer Center to cease reporting any information regarding any alleged debt to all credit reporting agencies, including XXXX XXXX XXXX XXXX XXXX. Any attempt to report, update, or maintain negative information regarding this matter on my credit file will be considered a direct violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-08-28 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: MA

Complaint narrative:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting.

I never had an account with Professional Debt, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law.

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

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 2025-08-28 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:
I hope this message finds you well. I am reaching out not to dispute any debts or deny my financial responsibilities, but to respectfully request that several entries on my credit file be re-evaluated for accuracy and completeness, in line with my rights under the Fair Credit Reporting Act ( FCRA ). 

Over the past few years, Ive faced personal and financial hardshipsincluding a family emergency, job loss, and relocationthat temporarily affected my ability to stay current on some payments. However, I have made every effort to recover and honor my obligations, and I continue to do so today. 

Late Payments Open Accounts These accounts are currently open and active. I request a good-faith review of the late entries associated with them, as they occurred during difficult life events and do not reflect my current payment behavior. 

XXXX Account ending in XXXX Opened : XX/XX/XXXX | Balance : {$0.00} 30 Days Late : XX/XX/XXXX Explanation : This delay happened during a family emergency. The balance is now {$0.00}, and the account remains in good standing. 

XXXX XXXX Account ending in XXXX Opened : XX/XX/XXXX | Balance : {$26000.00} 30 Days Late : XXXX XXXX, XXXX, XXXX XXXX 60 Days Late : XX/XX/XXXX Explanation : A period of extreme financial XXXX  caused by job loss and relocation. I am continuing to pay down this balance responsibly. 

XXXX  Account ending in XXXX ( Open ) Opened : XX/XX/XXXX | Balance : {$780.00} 30 Days Late : XX/XX/XXXX Explanation : A paycheck delay over the holidays caused a short-term issue. The account has remained active and current since. 

Late Payment Closed Account XXXX Account ending in XXXX ( Closed ) Opened : XX/XX/XXXX | Balance : {$780.00} 30 Days Late : XX/XX/XXXX Note : This appears to be the same account as the one listed above under open status, potentially duplicated or misclassified. I request review to avoid redundant or inaccurate reporting of the same late entry. 

Applicable FCRA Laws My request is grounded in the following provisions of the Fair Credit Reporting Act : FCRA 602 ( A ) : Requires credit reporting to be fair, equitable, and respectful of consumer rights.

FCRA 607 ( b ) : Requires credit reporting agencies to maintain maximum possible accuracy of information.

FCRA 609 ( a ) : Grants consumers the right to access complete and clear information regarding their credit files.

FCRA 611 ( a ) : Allows consumers to request correction or reinvestigation of any item believed to be incomplete or inaccurate.

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 2025-08-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: VA

Complaint narrative:
My student loan servicer, AES, provided me with a private student loan student misconduct application. The first denial came in XX/XX/year>, less than one full day from my first CFPB complaint. I am submitting a new complaint because a second denial has been sent ( without my asking ) today XX/XX/year>, with yet another vague denial and no specific reasoning. One minute they're telling me discharge/forgiveness isn't possible at all, and the next vague reason is " the loan forgiveness request is denied because the private student loan is not eligible for forgiveness based on the information provided. '' - which one is it? When I asked for what specific evidence would be helpful for my case, then I'm met with well your loan holder doesn't offer forgiveness. Why was I sent an application in the first place, if it's going to be mass denied for zero actual explanation?

I fully believe AES and my original loan holder TOWD POINT are unfairly denying my rightful application for school misconduct loan discharge without even reading my application. I believe this because none of the evidence and my application wording has been considered or discussed. This should be an unlawful practice, private loan lenders need to be held accountable.

They are also taking a significant amount of time to send me a copy of my master promissory note. They requested 20 plus business days. And they are sending it by USPS, instead of my electronic inbox just as they have been sending me these denial letters electronically. Every action by both AES & my loan holder is confusing, not being clarified, and unjust.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: CA

Complaint narrative:
XXXX  XXXX account number XXXX XXXX has inaccuracies on it Equifax TransUnion hazard at XXXX Experian hazard at 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 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
On XX/XX/year>, I visited XXXX XXXX, California to inquire about the possibility of purchasing a vehicle. I only authorized XXXX XXXX to check my credit in relation to that potential purchase. 

However, shortly after, I received multiple notifications of hard credit inquiries from different lenders with whom I never had contact and to whom I never gave permission, including : Santander Consumer USA Inc ( XX/XX/year> ) Global Lending Services ( XX/XX/year> ) Ally Financial ( XX/XX/year> ) XXXX XXXX XXXX XXXX XXXX ( XX/XX/year> ) These inquiries were not authorized by me, and at no point did the dealership inform me that my personal information would be shared with multiple banks or financial institutions.

As a result, my credit score has been negatively impacted, and I have started to receive denial letters from lenders to whom I never applied directly. Most importantly, this damage has directly affected my ability to qualify for a rental home, which has created a real and significant hardship in my life.

I am requesting that this situation be investigated, that the unauthorized inquiries be removed from my credit reports, and that XXXX XXXX be held accountable for improperly sharing my personal information in violation of the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-08-28 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: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: GA

Complaint narrative:
On XX/XX/year>, someone had access to my phone and stole all my money from checking, savings and credit card. I use the Chime bank. XXXX $ was stolen from me, XXXX $ was sent using the pay anyone feature in Chime and XXXX $ was stolen using XXXX XXXX, withdrawing all my funds to there. Before doing this, the person emptied all my savings and credit card into my checking account then moved my money. I have spoken with XXXX Police about the theft and they are investigating, my issue lies with Chime, despite providing proof I contacted the police they refuse to help me. They close every dispute I have within XXXX hours of opening and they wont even credit me any money. Ive had no money since XX/XX/XXXX and relying entirely on my credit card which is about to be maxed out. I just really need help and I think Chime and XXXX XXXX have totally abandoned me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: PA

Complaint narrative:
I am writing to you as the holder of account number XXXXXXXX XXXX XXXX XXXX XXXX  auto loan, to report an issue negatively impacting My credit. report. this issue appears to be in violation of the provisions of 15 U.S. code 1666b and other relevant sections of the fair credit reporting act ( FCRA ). Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. code 1681s-2.

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. below are the details of the affected payments Date of reported late payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nelnet, Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/year> SS # XXXX XXXX To : Nelnet XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Hardship Request for Removal of Late Payments Account : XXXX Dear Nelnet Customer Service XXXX XXXX am writing to respectfully request a goodwill adjustment regarding late payment entries reported on my student loan account listed above. 

Unfortunately, during XXXX XXXX XXXX I faced financial hardship caused by job loss. This situation made it temporarily difficult for me to keep up with my student loan payments, which led to late reporting. 

Since then, my circumstances have improved, and I have taken concrete steps to ensure all future payments are made on time. 

I fully recognize my responsibility to meet my loan obligations and sincerely regret the missed payments. However, I kindly ask that Nelnet consider removing the late payment notations from my credit report as a gesture of goodwill. This adjustment would greatly assist me in rebuilding my credit standing, which is critical for my financial stability. 

Please know that I value my relationship with Nelnet and appreciate the support you provide to borrowers. I am committed to remaining current on my account and preventing any further delinquencies. 

Thank you for your time and consideration. I hope you will find it possible to honor this request. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am over this XXXX XXXX different credit bureaus reporting XXXX different credit scores. Whats my real XXXX score XXXX, XXXX or XXXX? Some deleting old charge off accounts the other credit bureaus still showing this XXXX. The madness needs to stop. These accounts are old the charge off according to 15 US Code 1681 ( c ) 2 and 15 US code 1692 ( g ) and 16 USCode1666 b all of these collections and late payments should be removed off of my credit files. I demand you remove all of this negative information from my files. The XXXX and XXXX both have been brought by other companies and additional fees processed. Please remove this immediately off all three bureaus. 
I request immediately deletions of these old XXXX accounts. Where is the darn verified proof for these accounts. And when I received the free reports in the mail why they printed XXXX down and I dont understand how to read this information too much together not an organized account information detail. XXXX credit bureaus deleted all my old addresses some want. Where is the freaking consistency across these firms. First I didnt give my permission to furnish my information or to give too no one lets start there please fix all this immediately. If its closed take it off these creditors have received their monies. Let me have the freedom I deserve again. Sending me XXXX pages XXXX the heck down. XXXX XXXX educators has changed my status and the bureaus still reporting this old XXXX information. Why are you modifying any of this the information is older than 7 years. I demand deletion of all these negative accounts immediately!!! 
XXXX. XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX with my name on it that you furnished my information to without my freaking consent I demand Transunion, XXXX XXXX XXXX  to remove this XXXX immediately!!! XXXX tired I need this fixed and if they will fall off of my report within the next XXXX months anyways remove the collections or late payments. I need a fresh start!!!! 
XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
REQUESTED THAT COLLECTION VERIFY AND PROVIDE THE DEBT ACCURATE AND BELONG TO ME. NO RESPONSE WAS RETURN TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: TX

Complaint narrative:
I have disputed these accounts before with Transunion and they have not sent me any information as to how these accounts were verified as mine. I have sent them numerous documents to show that these accounts are inaccurately being reported on my credit 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 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am formally disputing a late payment reported on my account. According to my verified records, all payments were made on time, making this entry false and misleading. This misreporting negatively impacts my credit profile and creates an inaccurate reflection of my financial responsibility.

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 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
According to 15 U.S.C 1692C ; you have violated my right by in lawful communications. Please remove this collection off of my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am extremely frustrated that unauthorized inquiry is still appearing on my credit report today, and I have no explanation as to why. Even after refreshing, nothing was removed. I urgently need you to carefully review the documents I sent so I can finally stop dealing with this ongoing issue.

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