vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-14 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 explanation
Consumer complaint received 2025-06-14 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: VA

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 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 2025-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
On XX/XX/year>, I sold a bike and received a Zelle payment of {$1900.00} from the buyer. At the time, my phone number was not actively enrolled in Zelle with my XXXX XXXX account, so I re-enrolled the number and accepted the payment. Zelle confirmed the payment was accepted, but the funds never appeared in my XXXX account. 

Attempts to Resolve : I contacted Zelle the same day ; they advised I wait 24 hours. 

After 24 hours, the money still had not arrived. I contacted Zelle again. They provided no new information and transferred me to XXXX XXXX. 

XXXX confirmed they have no record of the transaction because Zelle has not completed the transfer. 

The senders bank confirms the transaction is marked completed on their end and can not be reversed. 

Current Status : Zelle appears to be holding the funds in limbo. They refuse to acknowledge the status of the transaction, provide a reference number, or take steps to resolve it. XXXX XXXX can not help because the funds were never deposited. The money is now stuck without a clear resolution path.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: FL

Complaint narrative:
What happened is I had a direct deposit to my cash app they decided you just hold it they say they declined it and send it back but they didn't cuz I just called him in a lie on their customer service saying they still have it so they're and crooks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIRST NATIONAL BANK OF OMAHA
State: WI

Complaint narrative:
I had three charges on my XXXX XXXX XXXX XXXX on XX/XX/year> for {$970.00}, {$290.00} and {$210.00} from XXXX. I disputed it with my credit card company and on XX/XX/year> they put the charges back on my account. I have a XXXX account and none of the past charges were on my 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 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EdFinancial Services
State: MD

Complaint narrative:
XX/XX/year> Dear Sir/Madame : I am writing to file a formal complaint regarding incorrect information related to my student loan account ( s ) that is currently being reported on my credit report. I have reviewed my credit report from the three major credit bureaus ( XXXX XXXX XXXX XXXX  ) and noticed several discrepancies with the information provided about my student loan ( s ) which I believe is being reported inaccurately.

All debts are over 7 years.

Request for Action : I respectfully request the Consumer Financial Protection Bureau investigate the inaccurate information being reported by the loan servicer and ensure that the credit bureaus update my credit report to reflect the correct details of my loan ( s ). Specifically, I request the following actions : Remove the inaccurate loan reporting from my credit report. Information is over 7 years old.

Ensure that the loan servicer complies with credit reporting guidelines to accurately report loan status. This should be removed after 7 years.

Impact on My Credit Report : As a result of this inaccurate reporting, my credit score has been negatively impacted, and I am facing unnecessary financial and emotional stress. This has affected my ability to qualify for loans, credit, or employment.

I have attempted to resolve this matter directly, but despite my efforts, the issue has not been corrected.

Conclusion : I request the CFPB 's assistance in ensuring that this issue is resolved promptly and that the necessary corrections are made. If further documentation or clarification is needed, please let me know. I appreciate your attention to this matter and look forward to your timely response.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
This is a formal complaint against one or more credit reporting agencies ( CRAs ) for the continued and willful reporting of fraudulent accounts, unverifiable late payments, unauthorized inquiries, and incorrect personal data, in violation of federal and state consumer protection laws. 
I. Unauthorized Inquiries Names of Entities : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations : FCRA 604 No permissible purpose FCRA 607 ( b ), 611 ( a ) Inaccurate reporting and failure to investigate FDCPA 1692g No debt validation Request : Immediate removal of all unauthorized inquiries and verification documentation for each.

II. Enforcement Demanded I demand that the CFPB enforce the following : 1. Removal of all late payments, fraudulent accounts, and unauthorized inquiries.

2. Correction of all inaccurate personal data and account statuses.

3. Issuance of corrected reports to prior recipients ( FCRA 1681i ( d ) ).

4. Penalties against furnishers and CRAs for repeated violations.

5. Written confirmation of every reinvestigation and correction action.

III. Supporting Evidence ( To be Submitted if Available ) Copy of government-issued ID Social Security card Police report ( if identity theft ) Prior dispute letters Screenshots or report excerpts showinginaccuracies

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 2025-06-14 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc.
State: CT

Complaint narrative:
Loan was at first forgiven then reappeared on my credit report with threats of garnished wages. 
I accepted a payment plan for just over {$90.00}. However, my payments are XXXX. Nearly double what I agreed on. I am now entering financial turmoil because of these payments I never agreed on. 
In addition nelnet has delayed the acceptance of my payments for so long some months, that they I have come close to not being able to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: TN

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 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 2025-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Finance Company, LLC
State: CT

Complaint narrative:
This letter is to inform you that I am formally disputing the alleged account being reported by your company on my credit report. As required under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g ( b ), I am exercising my right to request full validation of this debt.

To date, you have failed to provide any of the legally required documentation that would establish this debt as valid, including : 1. A copy of the original signed contract or agreement bearing my signature.

2. A complete itemized accounting of the alleged debt from inception.

3. A full chain of assignment showing legal transfer of the debt from the original creditor to your company, with dates, signatures, and details of consideration exchanged. 
Please be advised that a generic letter stating that you own or have been assigned this debt is not adequate validation under federal law. A written assertion from your company alone does not meet the standard for debt validation as established under the FDCPA and supported by case law, such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2, data furnishers must report accurate and verifiable information. Reporting unverifiable debt is a violation of my rights under federal 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 explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Source Receivables Management LLC
State: IL

Complaint narrative:
Source Receivables Management re-reported a collection to XXXX  that was already deleted. The original creditor was XXXX XXXX XXXX XXXX This new agency ( Source Receivables MNG ) is now reporting it as a new account opened on XX/XX/year>, with a balance of {$340.00} updated as of XX/XX/year>. 

This is a reinsertion of an old debt, and I was not given written notice as required under FCRA Section 611 ( a ) ( 5 ) ( B ). Additionally, the dates make it appear as though the debt is new, which is form of re-aging.

I am requesting an investigation and that this account be permanently removed from my credit report. Ive also contacted Experian and requested deletion through their dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: TN

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 non-monetary relief
Consumer complaint received 2025-06-14 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: IL

Complaint narrative:
I am filing this complaint because there are unauthorized and false hard inquiries on my credit report that I did not initiate or approve. Under Section 604 of the Fair Credit Reporting Act ( 15 U.S. Code 1681b ), a credit report may only be accessed with my written permission or for a permissible purpose such as a credit transaction I initiated. These inquiries do not meet those criteria and were made without my consent. I did not apply for credit with the companies in question, nor did I authorize any third party to do so on my behalf. These inquiries are negatively impacting my credit score and violate my rights under federal law. I am requesting that the FTC investigate these unauthorized inquiries and hold the responsible parties accountable for violating the FCRA. I am also requesting their removal from my credit file immediately. FTC report number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: DC

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

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 2025-06-14 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: TN

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 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 2025-06-14 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: VA

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 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 2025-06-14 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I am writing to formally request a factual investigation regarding inaccuracies that have been identified on my credit report. I accept no responsibility of any debt owed to Ally Financial. Ally is activity reporting a charge-off to my consumer credit report. This inaccuracy is affecting my ability to obtain credit and should be verified under the Fair Credit Reporting Act ( FCRA ). 

Ally has failed to provide an odometer statement to furnish an actual odometer reading that would support evidence of the excess mileage charge. 

Ally mentions that their records indicate that I signed an odometer statement in connection with returning the vehicle on XX/XX/year>, but they have NOT presented such signed documentation. Please provide this document along with my signature. 

In addition, Ally misrepresented dates printed on the Account Settlement letter and XXXX XXXX Statement. The requested XXXX XXXX Statement Third Party Inspection form was mailed to me months after the return of the vehicle in XX/XX/year>. Because of the prolonged duration in which the vehicle had already been return, an accurate mileage reading could not be performed that time. The Account Settlement letter also was not mailed to me on XXXX XXXX but at much later date. Ally uses IMB ( intelligent mail barcodes ) when mailing customers letters so there should have been no discrepancies on dates when letters were sent. See enclosed mailed letter. 

I have spoken with Allys Executive Customer Relations, XXXX phone XXXX extension XXXX who refused to provide details regarding my concerns. I am relying on the CFPB to help assist me with this complaint because the company has violated my rights under FCRA. It is to my knowledge that Ally is overcharging me. I am requesting that Ally remove the charge-off from my credit report to settle this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: EGL US, LLC
State: TX

Complaint narrative:
BMG Money keeps reporting to credit bureaus that my payments are late when they are refusing to take my payments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: CA

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

Company response to consumer: Closed with explanation