vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: OR

Complaint narrative:
I applied and won a borrowers defense claim against the art institute of XXXX in XX/XX/year>. Now, XXXX years later, the final part of the discharge remains in the status of in process. I call every couple of months to check on an updated status as to when the final processing will be complete, but they are not able to give me any kind of a timeline or estimation. The debt remains on my credit report, even though it is technically been XXXX. Its been over two years and I cant get any kind of timeline or estimate as to when this process will eventually be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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:
This late payment record is inaccurate and does not represent my consistent payment behavior. I have maintained timely payments, and I request its removal to ensure my account reflects accurate information.

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 2025-06-09 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: SC

Complaint narrative:
What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian, Transunion, and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX under the account number ( XXXX ) with a balance of {$800.00}, as well as another account under XXXX XXXX ( XXXX ) on XX/XX/XXXX under account number ( XXXX ) with a balance {$780.00}, a collections account opened at XXXX Funding ( REVVI ) on XX/XX/XXXX under the account number ( XXXX ) with a balance of {$800.00}, a credit card account opened at XXXX XXXX Bank on XX/XX/XXXX under the account number ( XXXX ), another account under First Premier on XX/XX/XXXX under account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: MI

Complaint narrative:
Ive been unable to access or manage my credit report through XXXX website due to technical and verification issues. Ive attempted multiple times to contact their customer service through all published phone numbers ( including XXXX and XXXX ), but I have not been able to reach a live agent. The automated system either hangs up or loops endlessly. 

I need to urgently resolve this matter due to a pending financial transaction, but Experian has made it functionally impossible to speak with a person. Their system is preventing me from freezing/unfreezing my credit, and I can not verify my identity through their portal. 

I am requesting that Experian contact me directly to assist with resolving this issue. This is a time-sensitive matter and Ive exhausted all normal communication channels.

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 2025-06-09 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: TN

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute and file a complaint regarding multiple inaccurate, misleading, and potentially duplicative Charge Off entries and erroneous address information appearing on my credit report, which are severely damaging my creditworthiness. Despite my prior dispute attempts, these issues remain unresolved. 
The inaccuracies include, but are not limited to, the following incorrect addresses associated with my credit file : XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX, XXXX, TN XXXX These addresses do not belong to me and their inclusion on my credit file is misleading and inaccurate. Furthermore, the following account continues to report a charge-off status erroneously : XXXX XXXX Account # XXXX * * * * * * * o High Balance : {$320000.00} o Date Opened : XX/XX/year> o Status : Late Payment ( incorrectly reported as charge-off ) Under the Fair Credit Reporting Act ( FCRA ), XXXXXXXX XXXX XXXXXXXX et seq., credit reporting agencies are required to maintain maximum possible accuracy of the information reported. Reporting inaccurate or duplicative negative information, such as charge-offs and incorrect addresses, constitutes a violation of the FCRA and causes unwarranted harm to my credit profile. 
I demand a thorough investigation into these inaccuracies, immediate deletion or correction of all erroneous entries, and confirmation of these actions in writing. Failure to comply with the FCRA will leave me no option but to pursue further legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Please treat this matter with the utmost urgency and ensure full compliance with all applicable laws. I expect a written response within XXXX  days of your receipt of this complaint. 
Thank you for your prompt attention to this serious matter.

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 2025-06-09 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: TN

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute and file a complaint regarding multiple inaccurate, misleading, and potentially duplicative Charge Off entries and erroneous address information appearing on my credit report, which are severely damaging my creditworthiness. Despite my prior dispute attempts, these issues remain unresolved. 
The inaccuracies include, but are not limited to, the following incorrect addresses associated with my credit file : XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX, XXXX, TN XXXX These addresses do not belong to me and their inclusion on my credit file is misleading and inaccurate. Furthermore, the following account continues to report a charge-off status erroneously : XXXX XXXX Account # XXXX * * * * * * * o High Balance : {$320000.00} o Date Opened : XX/XX/year> o Status : Late Payment ( incorrectly reported as charge-off ) Under the Fair Credit Reporting Act ( FCRA ), XXXXXXXX XXXX XXXXXXXX et seq., credit reporting agencies are required to maintain maximum possible accuracy of the information reported. Reporting inaccurate or duplicative negative information, such as charge-offs and incorrect addresses, constitutes a violation of the FCRA and causes unwarranted harm to my credit profile. 
I demand a thorough investigation into these inaccuracies, immediate deletion or correction of all erroneous entries, and confirmation of these actions in writing. Failure to comply with the FCRA will leave me no option but to pursue further legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Please treat this matter with the utmost urgency and ensure full compliance with all applicable laws. I expect a written response within XXXX  days of your receipt of this complaint. 
Thank you for your prompt attention to this serious matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: IL

Complaint narrative:
Fraudulent Account stopping me from getting a house with my family

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 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
I am writing in response to your recent communication dated [ insert date ], which requested additional documentation in order to continue processing my dispute. I would like to remind you that under the Fair Credit Reporting Act ( FCRA ), you are required to resolve my dispute within 30 days from the receipt of my initial request.As per 15 U.S. Code 1681i ( a ), once a consumer submits a dispute, the Consumer Reporting Agency ( CRA ) must conduct an investigation and resolve the dispute within 30 days unless the dispute is deemed frivolous. You are also required to notify me of the results of your investigation within the same timeframe.In the case of XXXX v. XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX ( XXXX XXXX 2018 ), the court ruled that CRAs have an obligation to conduct a reasonable investigation when a consumer disputes inaccurate information. The ruling emphasized that the CRA can not simply rely on the information provided by the furnisher of the data without conducting an independent investigation. The court found that the CRAs failure to properly investigate the dispute and resolve it within the required 30-day period was a violation of the FCRA.Moreover, the case XXXX XXXX Equifax XXXX XXXX XXXX XXXX, 2018 XXXX XXXX ( XXXX XXXX XXXX  ), clarified that if a CRA is unable to verify the accuracy of the disputed information, it is obligated to delete or correct the inaccurate information. The court held that under the FCRA, if a CRA can not verify the disputed information within the statutory period, it must remove the item from the consumers credit report.Given these legal precedents, I respectfully request that you proceed with resolving my dispute in compliance with the FCRA. I have already provided all the necessary documentation to substantiate my claim. If you are unable to verify the disputed information within the required 30-day period, I ask that you delete the entry from my credit report.If you fail to resolve the dispute properly and within the required timeframe, I will consider this a violation of the FCRA, and I will pursue all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and taking further legal action if necessary.Please provide me with the results of your investigation within the statutory period and confirm receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
Hi, I am writing to correct my personal information on my credit report as it is inaccurate and I am having trouble with my credit applications because of it which is extremely frustrating. Please take action on this as soon as possible.

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 2025-06-09 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: OH

Complaint narrative:
Upon reviewing my credit report, I discovered inaccurate and damaging information concerning an account falsely marked as having a late payment. Specifically : XXXX reported a late payment for XX/XX/year>. 

This report is completely false and misleading. I made all required payments on time, and at no point did I default, delay, or violate any payment agreement with this creditor. 

This inaccurate reporting not only harms my creditworthiness but violates multiple federal statutes under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws : Violations of the Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681e ( b ) Reasonable Procedures for Maximum Accuracy Credit bureaus must follow reasonable procedures to ensure the maximum possible accuracy of consumer reports. Reporting a false delinquency shows a failure to comply with this legal obligation.

15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) Duty of Furnishers to Provide Accurate Information Furnishers like XXXX are legally required to report only truthful, complete, and updated data. False reporting of late payments is a direct violation of this provision.

15 U.S. Code 1681s-2 ( b ) Duty to Investigate Disputed Information Once I submitted my dispute, both the furnisher and the credit bureaus were required to conduct a complete and reasonable investigation. If they can not substantiate the data with concrete evidence, they must promptly correct or delete it. Failure to do so is a clear violation of federal law.

15 U.S. Code 1666b Billing Error Rules on Timing Creditors may not legally report a late payment unless they can prove that billing statements were delivered at least 21 days before the due date. If this was not followed by XXXX, the resulting delinquency entry is illegally placed and must be removed immediately. 

15 U.S. Code 1681i ( a ) Duty of Reinvestigation The credit bureaus are required to complete a reinvestigation within 30 days of receiving my dispute. If the reported late payment can not be verified, it must be deleted from my report.

XXXX  to Me as a Consumer : These violations have caused : Damage to my credit score Loss of credit opportunities Financial harm Mental 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 non-monetary relief
Consumer complaint received 2025-06-09 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Equifax credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all XXXX XXXX XXXX REMOVED from my credit report, except for XXXX XXXX XXXX XXXX XXXX  listed below : Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX VA XXXX ACCOUNTS : XXXX FIN - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$2700.00} UNAUTHORIZED COLLECTION - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$980.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: VA

Complaint narrative:
I am writing to file a formal complaint regarding a recent security breach that has compromised my personal educational records. It has come to my attention that my information, which is protected under the Family Educational Rights and Privacy Act ( FERPA ), was exposed or accessed without my consent as a result of this breach.

Under FERPA, educational institutions are required to protect the privacy of student records, including personally identifiable information ( PII ), and are prohibited from disclosing this data without the student 's consent, except in specific circumstances ( 20 U.S.C. 1232g ; 34 CFR Part 99 ). However, due to the recent breach, my academic records, personal identification details, and potentially other sensitive information have been accessed by unauthorized parties, violating my rights under this law. This violation of FERPA raises serious concerns about the security of my educational records and the institution 's ability to protect student data ( U.S. Department of Education, FERPA Guidelines ).

I request that immediate corrective actions be taken, including a thorough investigation into the breach, notification to those affected, and any necessary steps to safeguard personal information from further exposure. As the U.S. Department of Educations FERPA guidelines ( https : //www.ed.gov/policy/gen/guid/fpco/ferpa/index.html ) state, institutions are responsible for providing affected individuals with written notification if their records have been compromised. 

Please provide written confirmation regarding the investigation and the corrective measures taken. 

Thank you for your prompt attention to this critical issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: CA

Complaint narrative:
XXXX XXXX Bank XX/XX/year> XXXX XXXX Bank XX/XX/year>

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 2025-06-09 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: CA

Complaint narrative:
XXXX XXXX Bank XX/XX/year> XXXX XXXX Bank XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am filing a joint complaint about TD Auto Finance and XXXX XXXX at XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX concerning my XX/XX/year> auto loan : XXXX. * * TD Auto Finance * * : I informed TD Auto that the vehicle was giving me several issues and that I was still within the XXXX  day warranty agreement with XXXX  XXXX. TD Auto Deferred my payments to the loans back-end via phone, but failed to inform me payments would be applied to interestnot principalleading to mounting balance and damage to my credit. 

XXXX. * * XXXX XXXX * * : Sold me a vehicle with recurrent mechanical issues within XXXX  days of the XXXX day warranty agreement with no communication from XXXX XXXX the Sales consultant and misrepresented ownershipmy stepfather and I were co-buyers, yet the title shows only me, and many other printed paper work showing misrepresnted owenership. Their service attempts failed and the car was totaled in XX/XX/year>. I've also explained all of these misrepresented ownership paper work and mechanical issues to TD auto. 

Despite multiple service visits, the defects persisted. The lender and dealer failed to properly handle the issues or disclose my payment structure. The vehicle was totaled, resulting in collection activity and harm to my credit report.

Company response to consumer: Closed with explanation