vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 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: OK

Complaint narrative:
I am disputing two Dept. of EducationXXXX accounts on my credit reports. These accounts are fraudulent and the result of identity theft. I have filed an FTC Identity Theft Report, placed a fraud alert with the credit bureaus, and confirmed that my personal information was part of a known data breach. Despite this, both Experian and XXXX have continued to report these accounts and derogatory payment history. 



Details of the Violations : 1. FCRA 605B ( 15 U.S.C. 1681c-2 ) Upon receiving my identity theft report, both Experian and XXXX  were required to block these accounts from my file within 4 business days. Neither party complied.

2. FCRA 611 ( 15 U.S.C. 1681i ) Experian failed to conduct a reasonable reinvestigation. I have disputed these accounts multiple times, providing proof of identity theft and data breach, yet Experian verified the accounts without providing a valid method of verification.

3. FCRA 623 ( a ) ( 6 ) ( 15 U.S.C. 1681s-2 ( a ) ( 6 ) ) XXXX  may not report information they know or have reason to believe is the result of identity theft once notified. They continue reporting despite my FTC report and disputes.

4. FCRA 623 ( b ) Duties of furnishers after notice of dispute. XXXX  failed to investigate or cease reporting after Experian forwarded my disputes. 
XXXX. FCRA 609 ( a ) ( 1 ) ( 15 U.S.C. 1681g ( a ) ( 1 ) ) I have the right to request all information in my file, including the original signed contract or application for this debt. Neither Experian nor XXXX has produced the original signed agreement. 
XXXX. FCRA 611 ( a ) ( 5 ) ( B ) If an account is deleted, it may not be reinserted without proper certification and consumer notification. I demand this protection if these accounts are removed.

7. CFPB Regulation V ( 12 CFR Part 1022 ) Both Experian and XXXX are in violation of CFPB rules by continuing to report fraudulent tradelines and failing to block them. 
XXXX. Failure to consider data breach evidence I provided proof that my personal information was compromised in a known data breach. This is a strong indicator of identity theft. Experian and XXXX ignored this evidence, violating their obligation to conduct a reasonable reinvestigation under FCRA 611.

Damages : Credit score harm from false late payments. 
Denial of credit and higher interest rates. 
Emotional distress and wasted time repeatedly disputing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: Nelnet, Inc.
State: OK

Complaint narrative:
I am disputing two Dept. of Education/Nelnet accounts on my credit reports. These accounts are fraudulent and the result of identity theft. I have filed an FTC Identity Theft Report, placed a fraud alert with the credit bureaus, and confirmed that my personal information was part of a known data breach. Despite this, both XXXX  and Nelnet have continued to report these accounts and derogatory payment history. 



Details of the Violations : 1. FCRA 605B ( 15 U.S.C. 1681c-2 ) Upon receiving my identity theft report, both XXXX  and Nelnet were required to block these accounts from my file within 4 business days. Neither party complied.

2. FCRA 611 ( 15 U.S.C. 1681i ) Experian failed to conduct a reasonable reinvestigation. I have disputed these accounts multiple times, providing proof of identity theft and data breach, yet XXXX  verified the accounts without providing a valid method of verification. 
3. FCRA 623 ( a ) ( 6 ) ( 15 U.S.C. 1681s-2 ( a ) ( 6 ) ) Nelnet may not report information they know or have reason to believe is the result of identity theft once notified. They continue reporting despite my FTC report and disputes.

4. FCRA 623 ( b ) Duties of furnishers after notice of dispute. Nelnet failed to investigate or cease reporting after XXXX  forwarded my disputes. 
5. FCRA 609 ( a ) ( 1 ) ( 15 U.S.C. 1681g ( a ) ( 1 ) ) I have the right to request all information in my file, including the original signed contract or application for this debt. Neither XXXX  nor Nelnet has produced the original signed agreement. 
6. FCRA 611 ( a ) ( 5 ) ( B ) If an account is deleted, it may not be reinserted without proper certification and consumer notification. I demand this protection if these accounts are removed.

7. CFPB Regulation V ( 12 CFR Part 1022 ) Both XXXX  and Nelnet are in violation of CFPB rules by continuing to report fraudulent tradelines and failing to block them. 
XXXX. Failure to consider data breach evidence I provided proof that my personal information was compromised in a known data breach. This is a strong indicator of identity theft. XXXX  and Nelnet ignored this evidence, violating their obligation to conduct a reasonable reinvestigation under FCRA 611.

Damages : Credit score harm from false late payments. 
Denial of credit and higher interest rates. 
Emotional distress and wasted time repeatedly disputing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: CA

Complaint narrative:
I am sending this complaint to TRANSUNION regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. 

I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: NY

Complaint narrative:
I am the verified victim of identity theft and have provided Equifax and the furnisher, XXXXXXXX XXXX XXXX XXXX XXXX, with an FTC Identity Theft Report, police report, and multiple dispute letters. Despite my disputes, this fraudulent account remains on my Equifax credit report in violation of the Fair Credit Reporting Act ( FCRA ) 605B and 623. 

Fraudulent Account Details : Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Account Type : Revolving ( Individual ) Date Opened : XX/XX/year> Status : Paid / Current Balance : {$0.00} I have never opened, authorized, used, signed for, or benefited from this account in any way. This account is the direct result of identity theft. Equifaxs continued reporting of this account after receiving proper identity theft documentation is unlawful under FCRA 605B, which mandates permanent blocking of such information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Nationwide Capital Services, LLC
State: LA

Complaint narrative:
Multiple phone calls to me, my spouse, family members and job

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I declare that incorrect late payment entries on my accounts violate 15 USC 1666. I have always paid promptly, and any errors in this reporting are unfair and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: TX

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: NC

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: TX

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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:
On XX/XX/XXXX, I sent a formal written dispute to XXXX XXXX XXXX, XXXX regarding inaccurate and unverifiable late payment reporting on my FHA mortgage account ending in XXXX. I requested specific documentation, including : Proof of billing statement delivery at least 21 days before each due date, as required by TILA 1666b.

Copies of written notifications of each derogatory entry furnished to credit bureaus, as required by FCRA 1681s-2 ( a ) ( 7 ).

Proof of consistency and accuracy across all credit bureaus under FCRA 1681i ( a ).

Legal justification for reporting derogatory data without prior verification. 

On XX/XX/XXXX, XXXX responded but did not provide the requested documentation. 

On XX/XX/XXXX, I sent a second formal demand, reiterating my request. 

On XX/XX/XXXX, and XX/XX/XXXX, XXXX again replied with generic letters, copies of mortgage statements, and contract excerpts. They failed to provide the required proof of timely delivery or notification and did not address the discrepancies between credit bureaus. 

My XX/XX/XXXX credit reports show material inconsistencies : TransUnion : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX late. 

XXXX  : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX late. 

XXXX  : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX late. 

This conduct violates : FCRA 1681i ( a ) : Failure to ensure complete and accurate reporting across bureaus.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Furnishing information known to be inaccurate.

FCRA 1681s-2 ( a ) ( 7 ) : Failure to notify consumer of negative reporting.

TILA 1666b : Failure to adopt reasonable procedures to ensure billing statements are delivered at least 21 days before due date.

FDCPA 1692e ( 8 ) : Reporting disputed information without proper notation or investigation. 

Despite multiple opportunities to comply, XXXX has not provided the legally required verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: NC

Complaint narrative:
On XX/XX/XXXX, I sent a formal written dispute to XXXX XXXX XXXX, XXXX regarding inaccurate and unverifiable late payment reporting on my XXXX  mortgage account ending in XXXX. I requested specific documentation, including : Proof of billing statement delivery at least 21 days before each due date, as required by TILA 1666b. 

Copies of written notifications of each derogatory entry furnished to credit bureaus, as required by FCRA 1681s-2 ( a ) ( 7 ).

Proof of consistency and accuracy across all credit bureaus under FCRA 1681i ( a ).

Legal justification for reporting derogatory data without prior verification. 

On XX/XX/XXXX, XXXX responded but did not provide the requested documentation. 

On XX/XX/XXXX, I sent a second formal demand, reiterating my request. 

On XX/XX/XXXX, and XX/XX/XXXX, XXXX again replied with generic letters, copies of mortgage statements, and contract excerpts. They failed to provide the required proof of timely delivery or notification and did not address the discrepancies between credit bureaus. 

My XX/XX/XXXX credit reports show material inconsistencies : TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX late. 

Experian : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX late. 

This conduct violates : FCRA 1681i ( a ) : Failure to ensure complete and accurate reporting across bureaus.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Furnishing information known to be inaccurate.

FCRA 1681s-2 ( a ) ( 7 ) : Failure to notify consumer of negative reporting.

TILA 1666b : Failure to adopt reasonable procedures to ensure billing statements are delivered at least 21 days before due date.

FDCPA 1692e ( 8 ) : Reporting disputed information without proper notation or investigation. 

Despite multiple opportunities to comply, XXXX has not provided the legally required verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: NC

Complaint narrative:
On XX/XX/XXXX, I sent a formal written dispute to XXXX XXXX XXXX, XXXX regarding inaccurate and unverifiable late payment reporting on my XXXX  mortgage account ending in XXXX. I requested specific documentation, including : Proof of billing statement delivery at least 21 days before each due date, as required by TILA 1666b. 

Copies of written notifications of each derogatory entry furnished to credit bureaus, as required by FCRA 1681s-2 ( a ) ( 7 ).

Proof of consistency and accuracy across all credit bureaus under FCRA 1681i ( a ). 

Legal justification for reporting derogatory data without prior verification. 

On XX/XX/XXXX, XXXX responded but did not provide the requested documentation. 

On XX/XX/XXXX, I sent a second formal demand, reiterating my request. 

On XX/XX/XXXX, and XX/XX/XXXX, XXXX again replied with generic letters, copies of mortgage statements, and contract excerpts. They failed to provide the required proof of timely delivery or notification and did not address the discrepancies between credit bureaus. 

My XX/XX/XXXX credit reports show material inconsistencies : XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX late. 

Equifax : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX late. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX late. 

This conduct violates : FCRA 1681i ( a ) : Failure to ensure complete and accurate reporting across bureaus.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Furnishing information known to be inaccurate.

FCRA 1681s-2 ( a ) ( 7 ) : Failure to notify consumer of negative reporting.

TILA 1666b : Failure to adopt reasonable procedures to ensure billing statements are delivered at least 21 days before due date. 

FDCPA 1692e ( 8 ) : Reporting disputed information without proper notation or investigation. 

Despite multiple opportunities to comply, XXXX has not provided the legally required verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
This account, Sync/care credit card is used for medical payments and medical procedures which all of this balance, as of XX/XX/year> was used for with a balance of $ {$760.00}. After being critically injured in the line of duty as a law enforcement official, I had to take a police disability pension and social security disability pension. This account was used for medical treatment and payments but was unable to continue to pay the monthly payments. I called the creditor and explained my situation. I was then placed in a customer assistance program, paying {$14.00} a month till paying back $ {$160.00} of the {$760.00}. The balance, which is {$580.00} would be forgiven in the issue of a XXXX form sent by the creditor and would need to be reported as earned income to my tax filing at end of the year. After completing this program, care credit never sent me the XXXX form but then also placed this balance that was to be forgiven on my credit report as potentially negative next to it. This care credit card was used entirely for medical expenses and billing and per Federal law, its illegal to report medical debt on my credit report which they have done. Im filing this complaint to the CFBP to have this medical debt removed from my XXXX credit reporting agencies by Synchrony bank, for my care credit that was entirely used for medical debt, payments and medical procedures. If this medical debt is not immediately removed from my credit report, I will file a formal Federal Trade Commission complaint and another with the NJ Attorney Generals office for violating my consumer protection rights and non compliance of the Federal law of reporting medical debt on my personal credit report. I have tried to dispute this several times with XXXX  on line dispute department but still will not comply. Another pending dispute is in progress again with XXXX, see attached pic but I believe same result will be received, denied as in the past. This is illegal and my next action would to file a civil complaint as per my rights under the Federal Fair Debt Collection Practices Act and Federal Laws on reporting medical debt on my personal credit 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