vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. I would like to assert that no permissible purpose under XXXX XXXX XXXX ( XXXX ) has been established and under the Fair Credit Reporting Act this must be established. 

XXXX XXXX XXXX ( a ) A financial institution XXXX not, directly or through anya affiliate, disclose to a non affiliated XXXX XXXX  any nonpublic personal information. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX section XXXX A Section XXXX : XXXX a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of XXXX  which antedates the report by more than XXXX  years. 

XXXX U.S.C XXXX ( a ) ( XXXX ) 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. 

XXXX XXXX XXXX XXXX ( XXXX ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX U.S.C XXXX ( a ) Time to make payments, A credit XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX U.S.C XXXX ( a ) ( XXXX ) 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. 

XXXX XXXX XXXX XXXX ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
I am disputing Portfolio Recoverys collection of a XXXX XXXX account. XXXX XXXX confirmed a balance of {$2800.00} via email on XX/XX/year>. Portfolio is attempting to collect {$3900.00}, which is an inflated and inaccurate amount. Additionally, this same account is also being collected by another agency ( XXXX XXXX XXXX XXXX ), which violates FDCPA 807 and FCRA 623. Portfolio has not provided validation of the debt and has reported misleading information to credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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:
The Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Servicer under contract with Federal Student Aid
State: TN

Complaint narrative:
I was notified of a change in my credit report. Upon reviewing my credit report I discovered that a Student Loan through XXXX XXXX XXXX out of XXXX Tennessee was reported on XXXX XXXX XXXX XXXX XXXX The loan was for {$800.00} for XXXX Nevada University XXXX contacting XXXX XXXX I was informed that they only service the loans that are issued through the XXXX Department of Education. They were extremely difficult to deal with and I had requested a dispute of the charged to which they informed me they would send me a fraud report packet via email, which I never received. 

This same form of identity theft happened to me in XXXX  and the same issue where someone took out a fraudulent loan in my name from the Department of Education XXXX XXXX Nevada University and the delinquent bill was sent to XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent Inquiries from my credit report. My private personal information XXXX have been leaked in a data breach. I have mentioned the fraudulentInquiries below. XXXX  Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-06-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: General Motors Financial Company, Inc.
State: IA

Complaint narrative:
I am writing to formally request the removal of a charge-off that appears on my credit report under the account number ( XXXX ). This letter serves as a dispute of the reporting in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Under Section 623 of the FCRA ( 15 U.S.C. 1681s-2 ), data furnishers are required to report accurate and complete information. After reviewing the details of the charged-off account, I believe that the information being reported may be incomplete, misleading, or inaccurate. I request that you perform an investigation into the accuracy of this entry, as required by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: GU

Complaint narrative:
I recently applied for a Chase Credit sometime in the middle of XX/XX/year>. I received a letter in the mail from Chase Bank. The letter stated that my application was denied due to the reason that someone may be using my personal information fraudulently. I tried reaching out to chase through the customer service contact numbers provided but was unable to speak to a live representative. The only information I got from an automated voice recording was that my application was undergoing review. How can I find out more if I end up being a victim of fraud and how can I move forward knowing I can apply for credit cards without future issue? I am concerned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I wasted I had to make a deposit now learning I should not have made a downpayment on a used car

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: WI

Complaint narrative:
Knowing that our family would have one of the primary earners go onto XXXX XXXX military XXXX to the XXXX XXXX, we decided that we would work aggressively to reduce the amount of principal owed on my student loans. We paid off a vehicle and decided to use the money that was allocated to that, to apply to the principal of the student loans. I adjusted online the amount being paid, through the NelNet portal. Unbeknownst to me, Nelnet applied my extra student loan payments ( approximately $ XXXXmonth starting XX/XX/XXXX ) to advance future due dates instead of reducing principal on my highest-interest loans. As a result, many of my loans now show no payment due until XX/XX/XXXX, despite continuing to accrue interest. My trust that my loan servicer would put the extra payments towards principal was violated. 

I was never clearly notified this would happen, and it violates my understanding and intention as a borrower. These practices have delayed my repayment, increased interest costs, and undermined my efforts to pay off debt efficiently. 

My family includes an XXXX XXXX servicemember currently XXXX overseas, and weve worked hard to pay down debt faster. Nelnets practices have disproportionately impacted us, and feel exploitative. 

I am requesting : Retroactive reallocation of payments toward principal reduction Full transparency in how payments are applied Oversight to ensure other borrowers, especially military families, are protected from these practices I have requested the action from NelNet to include the retroactive reallocation of my payments in writing, and via a phone call on XX/XX/XXXX, which was when it was first discovered that this deceptive practice was occuring. I was assured that they would stop this practice of advance due date behavior, from the phone conversation on XX/XX/XXXX. I do not know yet if they will retroactively apply my payments to the principal, and adjust the interest owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: FL

Complaint narrative:
My wallet was stolen with all my cards in it while I was in XXXX on a trip back in XX/XX/year>. My cash app card was used for a transaction I didnt make. I did a dispute with cash app XXXX  times and they keep saying they cant refund me my money. Also they said I made the transaction but I didnt. The transaction was for XXXX from a company named edreams. Only transaction I used my old cash app card ( ending in XXXX ) was for my hotel before I got my new cash app card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: NV

Complaint narrative:
XXXX XX/XX/year>, I was contacted by IQ International to collect a debt of {$180.00} from a property I previously resided in. During the initial phone call, I encountered a highly unprofessional individual who resorted to name-calling and made me feel dejected and worthless. Despite my repeated attempts to explain my situation, the company showed a complete lack of understanding. 
On XX/XX/XXXX, I was contacted again by an agent from IQ International, who informed me that I had refused to pay the debt. I had already explained my circumstances to the agent during my first contact on XX/XX/XXXX, which included the unfortunate news of my mothers passing, which necessitated my absence from work. 
The agent then proceeded to insult me, stating that I was irresponsible and that in todays economic climate, anyone should have {$80.00} in their bank account. He further demanded that I ask anyone I know who is responsible and has {$80.00} in the bank to assist me. I declined his request, as my family had already paid for my mothers funeral expenses in the amount of {$14000.00}. Which is said now your family has XXXX dollars. Unbelievable Despite my explanation for my financial constraints, the agent continued to treat me with disrespect and unprofessionalism, making me feel worthless and insignificant.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc.
State: AL

Complaint narrative:
EASTERNACCOS is falsely reporting on my credit. I have never had any accounts with them. Per my research EASTERNACCOS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: TN

Complaint narrative:
I disputed inaccurate information on my TransUnion credit report. My name is incorrectly listed as XXXX XXXX XXXX XXXX, which is not my legal name. I submitted a written dispute on XX/XX/year>, along with my ID and proof of address, asking TransUnion to correct my name and investigate all accounts reported under the wrong identity. 

I specifically requested that they investigate a XXXX XXXX account showing late payments and verify that it was correctly associated with me. I also asked that any unverifiable or inaccurate information be removed from my report under the Fair Credit Reporting Act. 

I have already paid this XXXX account, yet the negative information remains. TransUnion failed to remove or correct it despite being linked to an incorrect identity. I am now filing this complaint to request that the CFPB investigate and ensure my credit report is corrected properly.

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 2025-06-27 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc.
State: LA

Complaint narrative:
I have an account through NCB Management Services that has appeared on my Experian, Equifax and TransUnion credit reports. I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete account as soon as possible from my credit report or I will have to take legal action.

Company response to consumer: Closed with explanation