vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: CO

Complaint narrative:
Nelnet can not maintain a reliable, usable, functional website to access loan information, make payments, or anything else regarding the student loans they administer. The web site goes down weekly, preventing any access. Today it's been down for hours, I can't log in, when I think I might log in I get an error and told to " refresh my browser '' which only produces the same error. This has been an issue since my loans were moved over, over a year ago. It's time they fixed their XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: FL

Complaint narrative:
This letter serves as my final attempt to resolve this matter before I initiate legal action against your agency for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite numerous disputes and opportunities to correct the inaccuracies on my credit report, you have failed to comply.

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 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This letter serves as my final attempt to resolve this matter before I initiate legal action against your agency for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite numerous disputes and opportunities to correct the inaccuracies on my credit report, you have failed to comply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
This letter serves as a formal demand that XXXX XXXX XXXX immediately cease and desist all collection efforts and communications regarding the above-referenced account ( # XXXX ). 

Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692c ( c ), I am invoking my right to demand that you cease all contact with me regarding this alleged debt. This includes, but is not limited to : Phone calls ( to my home, work, or mobile ) Letters or written correspondence Emails or text messages Any further attempts to collect this alleged debt Furthermore, I have previously requested validation of this debt under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681g, yet you have continued reporting inaccurate and unverifiable information to the credit bureaus, knowingly damaging my creditworthiness. This is a willful violation of federal law, and I intend to pursue legal action if this matter is not resolved immediately. 

Intent to Sue If XXXX XXXX, XXXX does not immediately : Cease all collection activities, Remove any inaccurate or unverified information from my credit report, and Provide written verification of the debt with all supporting documents, I will file a lawsuit against XXXX XXXX, XXXX for : Willful and negligent violations of the FCRA and FDCPA Knowingly reporting inaccurate information to the credit bureaus Failure to validate the debt upon request Emotional distress and financial harm caused by your actions Additionally, I am prepared to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals Office. Should this matter escalate to litigation, I will seek statutory damages, attorney fees, and punitive damages as allowed by law. 

Please provide written confirmation that you have received this request and will immediately comply by ceasing all collection activities and correcting the inaccurate reporting. If you fail to comply, be advised that I am fully prepared to take legal action without further notice. 

This letter serves as my final warning before legal proceedings begin. I expect full compliance under federal and state 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 non-monetary relief
Consumer complaint received 2025-02-28 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: RI

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( 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 2025-02-28 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: NH

Complaint narrative:
I request the immediate deletion of the fraudulent information on my credit report within XXXX  days of reciept. The following addresses must be removed : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; and XXXX XXXX XXXX XXXX XXXX XXXX. The only correct address is XXXX XXXX XXXX, XXXXXXXX XXXX XXXX. Incorrect names ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), birthdates ( XX/XX/XXXX, XX/XX/XXXX ), phone numbers, XXXX, XXXX ), and email addresses ( XXXX, XXXX, XXXX, XXXX ) must also be removed. Additionally, I did not authorize the following fraudulent accounts : Credit Cube ( XXXX, XX/XX/XXXX ), XXXXXXXX XXXX ( XXXX, XX/XX/XXXX ), XXXX ( XXXX, XX/XX/XXXX ), and XXXX XXXX ( XXXX, XX/XX/XXXX ) and the following fraudulent inquiries XX/XX/XXXX XXXX XXXX ; XX/XX/XXXX XXXXXXXX XXXX ; XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Asset Recovery Bureau LLC
State: FL

Complaint narrative:
This specific company would call but the number they would call from would tell me to call another number to talk to someone. I then got a text from my brother and they would not identify who they were to him but that they have third party ways to try and get in contact with me. Said they had 3 other people on their list but would not disclose who they were. I left a message to them because they did not answer when I called, and told them not to ever call anyone else ever again because thats just straight up harassment. I spoke with them today trying to ask questions and they were nothing but rude to me and was told Im just matching energy when I was asking legitimate questions and refused to answer my questions. Oh and then straight up said they were going to tell their client that I was just not going to pay when that wasnt what I said at all. They didnt bother to ask me where my financial situation was or do anything to try and resolve the issue but be rude and nasty for literally no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: CT

Complaint narrative:
XXXX XXXX, XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of DEPT OF ED/AIDVANTAGE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent XXXX inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 non-monetary relief
Consumer complaint received 2025-02-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( XXXX ). They must be deleted from my 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 explanation
Consumer complaint received 2025-02-28 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

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 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 1. XXXXXXXX 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 2025-02-28 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: NC

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( 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 non-monetary relief
Consumer complaint received 2025-02-28 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: SC

Complaint narrative:
I called credit acceptance to remove certain items on my Equifax and Trans Union credit report and they refuse to remove it and theyre still showing a balance of XXXX on the credit report and not showing it removed off the credit report and I asked them to move it from Trans Union and Equifax And Trans Union and Equifax refused to remove it

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 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a victim of XXXX XXXX XXXX XXXX XXXXe. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-02-28 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-28 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Climb Credit Inc.
State: NY

Complaint narrative:
I am writing to formally lodge a complaint regarding the financial practices of your company in connection with my student loan and the educational services provided. I believe that your company has been involved in a deceptive and exploitative educational scam, and I am deeply concerned about the high fees charged for a program that did not meet the advertised standards. 

On XX/XX/year>, I enrolled in a program with the understanding that it would provide a legitimate and valuable education. However, after making the payment of {$250000.00} for the program and a remaining balance of {$3900.00}, I have encountered several issues that suggest that the program was neither legitimate nor of educational value. These issues include, but are not limited to : Misleading or false advertising : The program was marketed as a legitimate education program. 

Unreasonably high fees : The costs of the program, as well as the associated student loan charges, were disproportionately high for the value and quality of education received. 

Lack of proper support and resources : There was insufficient educational support and no real opportunities to gain the skills that were advertised. 

Predatory loan practices : The loan terms and conditions seemed excessive, leading to an unreasonable financial burden, with little to no return on the investment. 

The following outlined above have led me to believe that I have been subjected to an educational scam. This situation has not only caused significant financial strain but has also left me without the benefits I was promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am writing to formally file a complaint regarding an issue with XXXX XXXX and Synchrony Bank concerning the financing terms of my purchase and the improper application of interest charges to my account. 

On XX/XX/XXXX, I visited XXXX XXXX and financed a sectional, chaise, and two chairs through Synchrony Bank under a 36-month promotional financing plan. The contract I was presented and signed clearly stated that I would not be charged interest ( 29.99 % APR ) as long as the balance was paid within the 36-month period.

I made my monthly payments as agreed, expecting my balance to be {$900.00} in XX/XX/XXXX. However, I was shocked to discover that interest had been added to my account in XX/XX/XXXX, drastically increasing my balance to $ XXXX nearly {$1300.00} in interest. 

Upon realizing this discrepancy, I immediately reached out to Synchrony Bank via chat and phone support, only to receive conflicting information. I was informed that a dispute was placed and that it would take up to 60 days for review. However, despite following up multiple times, I was never given a clear resolution. During this period, I missed a payment, resulting in my account being 30 days past due. Subsequently, Synchrony Bank closed my account, which negatively impacted my credit score. 

When I contacted Synchrony Bank again in XX/XX/XXXX, I learned that no dispute had ever been opened in XX/XX/XXXX, despite my numerous attempts and submission of supporting documents. On XX/XX/XXXX, I filed another dispute, providing both the digital and printed contract proving that interest was not to be charged until the 36-month period ended. Today, I checked the status and found that Synchrony Bank had closed my dispute without resolution. 

At this point, all I am requesting is for the improperly charged interest to be removed and for all my prior payments to be applied toward my original remaining balance of {$900.00} before the incorrect interest was added. While I accept that my account has been closed, I want this matter resolved fairly, as I will never do business with this company again. 

I sincerely hope that we can reach a fair resolution. This is my final attempt to resolve this issue before seeking further action. I appreciate your time and assistance.

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