vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX  Balance : {$1500.00} Open Date XX/XX/XXXX XXXX XXXX XXXX : {$2900.00} Open Date XX/XX/XXXX XXXXXXXX XXXX XXXX Balance : {$1200.00} Open Date XX/XX/XXXX Inquiries : XXXXXXXX XXXX Date XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX  Date XX/XX/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 2025-05-13 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: PA

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 explanation
Consumer complaint received 2025-05-13 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: PA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: MI

Complaint narrative:
Bank errors related to billing and reporting are negatively impacting my credit. Under TILA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  creditors are required to accurately reflect payments and credits, but several issues have arisen : payments I made were not properly recorded, and there are clear calculation errors in the reported amounts. Additionally, I was not provided with the required XXXX notice before a payment was due, making any late payment marks invalid. These inaccuracies are a clear violation of federal law and unfairly harm my credit standing.

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 2025-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
A unauthorized purchase and money transfer from my bank chase to XXXX XXXX. was made on XXXX - XXXX XXXX by a unauthorized user. I reported it to my bank to investigate the issue to see who made that unauthorized purchase or transfer money. I would never make a purchase for that amount of XXXX and why it doesn't show the merchant name to whom it was paid to which I would never make a purchase or transfer from XXXX XXXX  from my bank unless I Authorize it myself by not disputing any charges i made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Mortgage debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Nexus Nova LLC
State: GA

Complaint narrative:
XX/XX/year> an unannounced man came to the door and slid an unmarked letter in the door frame of our home, subverting offical channels of service while in an active suit filed at the XXXX XXXX XXXX XXXX ( XXXX XXXX, Georgia ). The letter was addressed to an alleged 'borrower ' and that they should contact their mortgage servicer. The phone number on the unmarked letter traced back to Rosegate Mortgage LLC, the respondents in my suit and I on behalf of trust res exercise fiduciary responsibilty of the trust property. 

Despite my continued private and public efforts with administrative processes they've continued and have escalated their threats, intimidation and most recently advanced on our home disrupting our right to peaceful enjoyment.

They may have shared my personal information to this unknown man. 

The case file number is XXXX. I do consent to the case being public and have properly redacted. 

Due to the limited space, I am unable to upload all the material evidence or the entire police report, and suit wherein my cease and desist is on record. 

Definitions defined ; They ; Rosegate Mortgage LLC a subsidy of XXXX, who acts on behalf of XXXX as debt collector. 

I do swear under and in covenant with God that the statements are true to the best of my knowledge.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
Formal Dispute Demand for Immediate Removal of Inaccurate Late Payment Reporting ( AFFIRM Account ) This letter serves as a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, concerning the inaccurate reporting of a 30-day late payment for the month of XX/XX/2025 on my AFFIRM account. 

Summary of Dispute : The reported late payment is factually incorrect. This account has been under automatic payment, and the payment in question was made on time. I can attach documentation substantiating that no payment was missed or late during the month in question. 

On XX/XX/2025, I contacted Affirm customer service by phone at XXXXXXXX XXXX and was informed that payment was received on time. I was explicitly advised that the issue lies with the credit reporting and should be disputed with your agency. Nevertheless, the erroneous late mark remains on my credit report. 

This misreporting is causing unwarranted harm to my credit reputation and is a direct violation of the FCRA, which requires furnishers of credit information to report accurate data and promptly correct any known errors. 

Demand for Resolution : I am demanding the immediate deletion of this inaccurate late payment record from all consumer reporting agencies ( Equifax, TransUnion, and Experian ), and that my account history be corrected to reflect a timely payment for XX/XX/2025. 

Please provide written confirmation that this derogatory mark has been removed, along with updated copies of my credit report reflecting the correction. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: WA

Complaint narrative:
never received updated on my account. see attached document

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 2025-05-12 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: WA

Complaint narrative:
never received updated on my account. see attached document

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX Subject : Request for Deletion of Inaccurate Student Loan Reporting DEPTEDNELNET To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of my student loan account with DEPTEDNELNET on my credit reports. This account is being reported by TransUnion, Experian, and Equifax, and the data is inconsistent, incomplete, and incorrect across all three bureaus. 



Account Details : Creditor : DEPTEDNELNET Account Number : XXXX * * * * Type : Educational Installment Loan Balance : {$3900.00} Status : Open / Current Date Opened : XX/XX/XXXX Inaccuracies Identified : XXXX. Conflicting Date of Last Payment : XXXX  and XXXX  report XX/XX/XXXX. 
Equifax reports XX/XX/XXXX. 
Only XXXX of these can be correct this must be investigated and corrected. 
XXXX. Incorrect Loan Term Reporting : Equifax reports XXXX  months ( term ), while XXXX and XXXX show XXXX  months, which is accurate for a XXXX student loan. 
XXXX. Outdated Dispute Comments : All three bureaus list phrases such as Consumer disputes after resolution and Dispute resolved ; consumer disagrees. 
I am no longer disputing this account, so these comments should be removed immediately. 
XXXX. Incomplete Payment History : XXXX record shows gaps and missing payment history, making the account reporting incomplete and unreliable. 



Requested Action : Due to the significant number of reporting errors and the negative impact on my credit profile, I am requesting the complete deletion of this DEPTEDNELNET account from TransUnion, Experian, and Equifax under the Fair Credit Reporting Act ( FCRA ). 

Please conduct an investigation and provide me with written confirmation of the outcome within the XXXX  days required by law. If the information can not be verified and corrected, it must be permanently removed. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: TX

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 2025-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
LVNV Funding LLC XXXX. XXXX XXXX XXXX, SC XXXX Subject : Formal Cease and Desist Unauthorized Collection and Reporting Activities under 15 U.S.C. 6802 To Whom It May Concern : This letter serves as a formal demand that LVNV Funding LLC immediately cease and desist from any and all efforts to collect, report, or disclose information related to an alleged debt claimed under my name.

I am asserting my rights under federal law, specifically 15 U.S. Code 6802, which prohibits the unauthorized use and disclosure of nonpublic personal information without providing proper notice and obtaining the consumers consent. To date, I have received no such notice nor have I provided authorization to disclose, collect, or report any personal financial data associated with this alleged debt. 

Therefore, I am requesting the following : 1. That all collection activity and communications cease immediately, including phone calls, mail, email, or third-party contact ; 2. That you provide documented proof of the alleged debt, including the original creditor, full account history, and your legal right to collect ; 3. That you identify any third parties to whom my personal financial information has been disclosed ; 4. That you remove any and all negative entries made to my credit report in connection with this alleged account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
I recently received a notification stating that my American Express account ending in XXXX has been canceled due to alleged misuse, with no possibility of reinstatement or retrieval of my Membership Rewards points. However, I was not given any specific details regarding the nature of this " misuse. '' I have been a loyal American Express customer since 2000, diligently earning and accumulating over XXXX XXXX reward points over the past decade. I am deeply concerned and disappointed by the sudden cancellation of my account and the forfeiture of my points without any clear explanation. 

I have already reached out to customer service for clarification, but I was not provided with a satisfactory response. I respectfully request a detailed explanation of why my account was canceled and why my earned rewards were taken away. Transparency in such matters is crucial, and I believe I deserve a fair assessment of my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Aldous & Associates, PLLC
State: LA

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint and dispute regarding a debt reported by Aldous & Associates on my credit report. This debt stems from a lease I signed in XX/XX/year>, but I never moved into the property due to unsafe and uninhabitable living conditions that put the safety of myself and my children at risk. 

Despite never taking possession of the unit, receiving keys, or residing at the property, Aldous & Associates has now reported a collection account to the credit bureaus. This action is not only inaccurate, but it also violates several federal consumer protection laws, including : 1. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) : Under the FDCPA, I have the right to request validation of the alleged debt, including : The name and address of the original creditor Proof that I owe the debt Documentation that shows I took possession of the leased unit To date, Aldous & Associates has failed to provide this documentation. Reporting a disputed, unvalidated debt to the credit bureaus while under dispute is a violation of the FDCPA.

2. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) : This act prohibits the reporting of inaccurate or incomplete information to credit reporting agencies. Since I never took possession of the apartment or incurred a balance, this debt is factually incorrect. Reporting this as a valid debt is misleading and violates the FCRA.

3. Failure to Investigate and Correct Errors : Aldous & Associates, and any associated credit bureaus, have an obligation under FCRA 1681i ( a ) to investigate disputes and remove unverifiable or inaccurate information.

I am requesting the CFPB intervene to ensure : Immediate deletion of this account from all credit reporting agencies.

Written confirmation from Aldous & Associates regarding the status of this debt.

Proof that the debt is valid and legally collectible ( which, again, it is not ). 

I respectfully request a full investigation and resolution of this matter, as it is affecting my ability to obtain safe housing for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Date : XX/XX/XXXX Subject : Formal Dispute Inaccurate Reporting of XXXX XXXX XXXX XXXX Account To Whom It May Concern, I am writing to dispute inaccurate and inconsistent information being reported on my credit file regarding the following account : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Type : Unsecured Installment Loan Balance : {$2000.00} Date Opened : XX/XX/XXXX Status : Charge-Off / Collection Reporting Bureaus : TransUnion, Experian, Equifax The following reporting issues violate the Fair Credit Reporting Act ( FCRA ) : 1. Inconsistent High Credit Limit : TransUnion and Experian report a high credit of {$2000.00}, while Equifax reports {$2000.00}.

2. Missing Date of Last Payment : TransUnion and Experian fail to provide a last payment date, while Equifax shows XX/XX/XXXX. This omission is material and affects how long the account can legally be reported. 
3. Conflicting Payment History : TransUnion has no payment history.

Experian shows over 20 months of consecutive charge-off ( CO ) marks, which is excessive. 
Equifax shows all OK payments until a sudden XXXX delinquency highly inconsistent with other reports.

4. Incorrect Use of Credit Limit Field : All three bureaus list a {$0.00} credit limit, which is incorrect and not applicable to an installment loan.

These discrepancies are significant and are causing unnecessary and unfair damage to my credit report. Under the FCRA ( 15 U.S. Code 1681i ), I am formally requesting a full investigation into this account. If the data can no
t be verified and corrected in full, I request complete deletion of the account from all three credit bureaus.

Please complete the investigation within the 30-day period allowed by law and provide a written response confirming the outcome. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: CITIBANK, N.A.
State: OR

Complaint narrative:
I applied for a Best Buy credit card after being told by the store employee that the application would not affect my credit score. I agreed to proceed only because I was assured it would be a soft inquiry. However, Citibank placed a hard inquiry on my Experian report without my informed consent. This was misleading and I am requesting removal of the inquiry.

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 2025-05-12 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Date : XX/XX/XXXX Subject : Request for Deletion of Inaccurate Student Loan Account DEPTEDNELNET To Whom It May Concern, I am writing to request the immediate deletion of a DEPTEDNELNET student loan account from my credit reports with TransUnionXXXX XXXX XXXX XXXX due to multiple reporting inaccuracies that violate the Fair Credit Reporting Act ( FCRA ). 



Account Information : Creditor : DEPTEDNELNET Account Number ( partial ) : XXXX * * * * Status : Open Balance : {$3900.00} and {$2400.00} ( reported inconsistently ) Monthly Payment : {$39.00} and {$23.00} ( reported inconsistently ) Inaccuracies Identified : XXXX. Duplicate Account Reporting The same account is being reported twice under the same number with different balances and terms. This falsely inflates my total debt and affects my credit profile. 
XXXX. Conflicting Date of XXXX XXXX TransUnion XXXX XXXX  report XX/XX/XXXX, while XXXX lists XX/XX/XXXX. Only one can be correct, and conflicting data suggests unverifiable reporting. 
XXXX. XXXX XXXX XXXX XXXX incorrectly shows 0 months, while TransUnion and XXXX report 120 months. The loan term must be reported accurately and consistently. 
XXXX. Outdated Dispute Comments My reports still include language such as dispute resolved consumer disagrees. I no longer dispute this account, and these comments must be removed. 
XXXX. Incomplete Payment History Several months of payment history are missing or inconsistently reported, particularly on TransUnion. 



XXXX Requested : Given the serious and repeated inaccuracies in how this account is being reported, and the inability of the bureaus to provide consistent, verifiable, and accurate data, I am requesting a full deletion of this DEPTEDNELNET account from my credit reports with : TransUnion LLC XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX 

Please complete your investigation and provide a written response within the XXXX period required by law under the Fair Credit Reporting Act ( FCRA ). 

Sincerely, 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