vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 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: FL

Complaint narrative:
On XX/XX/year> My credit report dropped XXXX points from XXXX to XXXX. It stated this derogatory remark was reported by a company named XXXX XXXX. I called them and they stated they purchased my XXXX XXXX from XXXX. I was not informed that they now owned my XXXX XXXX. All my payments to XXXX were done through my phone. My payment history according to my credit reports was 100 %. 
I spoke with XXXX asking them why they didnt you notify me that they now owned my loan. I received nothing stating they now owned it. 
They stated they emailed my under the email address they received from XXXX. The email address is incorrect. I should have been notified by mail or by phone and I never was. 
XXXX stated there is nothing they can do to resolve this issue. I called them XXXX to 4 times, spoke with different personnel asking from help. 
I have notified the credit Bureau on this mater. 

I did pay the full amount they stated was past due and I paid the upcoming month payment as well. See attached receipt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Jonathan Neil & Associates, Inc
State: CA

Complaint narrative:
XXXX XXXX representing Jonathan Neil & Associates , Inc has been contacting our company numerous times last several months. There has been several instances that XXXX called our company XXXX XXXX XXXX disclosed debt amount to employees who are not in charge of accounts payable and demanded to be paid owed balance. 
On XX/XX/XXXX XXXX called XXXX XXXX line again talked to XXXX and disclosed debt amount and demanded to be paid. ( Phone recording attached ). 
There was another instance when called to XXXX XXXX and again disclosed debt amount to our employee XXXX and demanded debt to be paid. This phone recording also could be provided upon request. 
I would like to bring it to your attention that XXXX XXXX actions has caused me and our company significant XXXX, financial XXXX and XXXX  in our organisation. Several employees has left our company in fear of not being paid in the future due to panic was caused by XXXX XXXX unprofessional and prohibited debt collection actions. Currently due to employees leaving our company our office employees are overwhelmed and in panic. 
I have personally suffered significant XXXX with dealing with daily XXXX and instability that was caused by XXXX XXXX. We received today as well phone call from XXXX XXXX regarding same matter. 
I would like to bring this to your attention and hopefully resolve this matter as soon as possible. Hopefully with your help Jonathan Neil & Associates , Inc will cease and desist and will stop its prohibited behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: NY

Complaint narrative:
On XX/XX/year>, I submitted a formal identity theft dispute to Experian regarding a fraudulent XXXX XXXX XXXXXXXX account ( # XXXX * * * * * * * * XXXX ) reported on my credit file without my knowledge or consent. I included a valid FTC Identity Theft Report ( # XXXX ), identification, and proof of address in full compliance with FCRA 1681c-2. 

Experian has failed to block this account within the statutory timeframe. This failure has resulted in the ongoing reporting of false and harmful information, violating the following federal statutes : 15 U.S.C. 1681c-2 failure to block identity theft-related data ; 15 U.S.C. 1681b ( 2 ) impermissible access and distribution of my credit file ; 15 U.S.C. 1681a ( 4 ) failure to safeguard my personal information.

This inaction has caused measurable reputational and financial harm, including denial of credit and emotional distress.

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 2025-06-25 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: TX

Complaint narrative:
This letter serves as my formal demand for the immediate deletion of the following inaccurate, unverified, and non-compliant data being reported on my credit file. The report I received contains alarming inaccuracies and unsubstantiated claims that violate my consumer rights under the Fair Credit Reporting Act ( FCRA ) and fail to meet XXXX XXXX reporting standards. 

You are required by law to ensure maximum possible accuracy under 15 U.S. Code 1681e ( b ). Any claim, account, inquiry, or personal identifier listed below that lacks verified evidence, documented ownership, or permissible purpose must be deleted immediately. 

PERSONAL INFORMATION BEING CHALLENGED : Incorrect Current Address : 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 XXXX XXXX XXXX XXXX XXXX  DEMAND FOR COMPLIANCE : I demand full validation of each account and inquiry, including : Permissible purpose Original application or signature Chain of custody for data entry XXXX XXXX field compliance per the 2020 CRRG Authorized business relationship Failure to respond with verifiable proof within 30 calendar days, as required by FCRA 611 ( 15 U.S. Code 1681i ), will result in an immediate complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and potential legal action for willful noncompliance under FCRA 616 & 617.

If you can not validate the accuracy and legal basis of the above entries, you must DELETE them from all records and provide an updated copy of my credit report reflecting those deletions. 

I expect full compliance without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: DC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: FL

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: MS

Complaint narrative:
I am not the owner of those account i would like them to stop reporting to my credit report agencies. I was as to open the account

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 2025-06-25 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: MS

Complaint narrative:
I am not the owner of those account i would like them to stop reporting to my credit report agencies. I was as to open the account

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 2025-06-25 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: MS

Complaint narrative:
I am not the owner of those account i would like them to stop reporting to my credit report agencies. I was as to open the account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Reponse XXXX XXXX XXXX XX/XX/year> I am requesting ip address of anyone who profited from this loan. Also reason originator and creditor did not sign the notes. How was l notified about 3 days cancelation period. By phone, email or download that l was not expecting. The originator of this loan modification should have the payoff amount from the original {$65000.00} or balance after 27 years. She would also have access to my signatures.

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 2025-06-25 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: CA

Complaint narrative:
I am disputing an inaccurate redeemed or reinstated repossession remark reported on my XXXX XXXX account by XXXX XXXX and XXXX. This remark has been on my credit reports for over XXXX years and is false because there was never a sale or auction of my vehicle. I still have the car and am actively making payments while exercising my right to the loan. 

I have submitted multiple disputes and requests for verification to XXXX XXXX and all three credit bureaus under the Fair Credit Reporting Act. However, none have provided proper documentation to support this remark, and the credit bureaus continue to report this inaccurate information based solely on XXXX XXXX unverifiable claims. 

This incorrect reporting has caused a severe and unfair drop in my credit scores. I request the CFPB investigate XXXX XXXX and the credit bureaus and require removal or correction of this inaccurate remark.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: CA

Complaint narrative:
I am disputing an inaccurate redeemed or reinstated repossession remark reported on my GM Financial account by XXXX, Experian, and XXXX. This remark has been on my credit reports for over two years and is false because there was never a sale or auction of my vehicle. I still have the car and am actively making payments while exercising my right to the loan.

I have submitted multiple disputes and requests for verification to GM Financial and all three credit bureaus under the Fair Credit Reporting Act. However, none have provided proper documentation to support this remark, and the credit bureaus continue to report this inaccurate information based solely on GM Financials unverifiable claims.

This incorrect reporting has caused a severe and unfair drop in my credit scores. I request the CFPB investigate GM Financial and the credit bureaus and require removal or correction of this inaccurate remark.

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 2025-06-25 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: NC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-25 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: NC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: IL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally rebut TransUnions response to my fraud complaint regarding inaccurate or fraudulent information on my credit report.

TransUnion responded with a generic interim message, and if they later provide a final response that the item ( s ) have been verified without including any supporting documentation or explanation, I believe they are in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Specifically : I submitted [ a police report, FTC identity theft affidavit, and email confirmation from the XXXX Police DePArtment. 

TransUnion failed to demonstrate a reasonable reinvestigation or offer any evidence validating the accuracy of the item.

Under FCRA 1681i ( a ), they are obligated to review all relevant information I provided and correct or delete inaccurate or unverifiable information.

I am requesting CFPB oversight and that TransUnion : Deletes the disputed item ( s ) unless verifiable documentation is provided, Provides a detailed explanation and proof of its verification process, And is reminded of its legal obligations under the FCRA.

I appreciate your help in ensuring that credit reporting agencies conduct lawful and fair investigations. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: CO

Complaint narrative:
Nelnet, the servicer of my federal student loans, has repeatedly increased the balance on my student loan over time despite the loan being under the XXXX XXXX XXXX XXXX mandated due to federal court action. While this has happened several times in the past amounting to additional thousands of dollars being added to the current balance, it most recently happened on XX/XX/2025, when Nelnet added {$1200.00} to my balance without justification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. I am filing this FTC Identity Theft Affidavit to report nine fraudulent account ( s ) appearing on my consumer FICO Equifax credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number ending in XXXX with a balance of {$20000.00} ; a credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number ending in XXXX  with a balance of {$5600.00} ; a credit card account opened at XXXX XXXX  XXXX XXXX XX/XX/XXXX under the account number ending in XXXX with a balance of {$29000.00} ; a credit card account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number ending in XXXX with a balance of {$6700.00} ; a credit card account opened at XXXX - XXXX on XX/XX/XXXX under the account number ending in XXXX  with a balance of {$0.00} ; a credit card account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number ending in XXXX with a balance of {$24000.00} ; a credit card account opened at XXXX XXXX  XXXX XXXX XX/XX/XXXX under the account number ending in XXXX with a balance of {$21000.00} ; another credit card account opened at XXXX XXXX  XXXX XXXX XX/XX/XXXX under the account number ending in XXXX with a balance of {$30000.00} ; and a credit card account opened at XXXX XXXX  XXXX XX/XX/XXXX under the account number ending in XXXX with a balance of {$2500.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX, XXXX and 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. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with non-monetary relief