vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-25 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: DE

Complaint narrative:
I kindly request that you update and validate the items I previously mentioned, as they are still incorrectly reported on my account. I have already provided all the necessary details for this 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 non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section XXXX of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items.

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 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
On XX/XX/XXXX, I mailed a dispute letter via XXXX to TransUnion regarding inaccurate and/or unverifiable accounts on my credit report. I mailed a second dispute letter on XX/XX/XXXX due to receiving a letter stating that TransUnion thought I was using a XXXX party credit repair service. I did not receive any formal investigation results or verification documents within 30 days as required by the Fair Credit Reporting Act ( FCRA ). 

Instead, TransUnion sent me an email stating they were waiting for a response from the creditor, but they did not provide me with any results, proof of investigation, or evidence that the accounts belong to me. This response is not compliant with the FCRAs requirement to reinvestigate disputes and respond within 30 days. 

I took all necessary steps to properly file these disputes, including sending them directly by mail. Despite my efforts, TransUnion failed to conduct a timely investigation or provide verification. The accounts in question still remain on my credit report without proper documentation or deletion. 

Please see the following accounts that I disputed : XXXX  XXXX Revolving account opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX account opened on XX/XX/XXXX and a balance of {$2100.00}. 

XXXX XXXX account opened on XX/XX/XXXX and a balance of {$1200.00}. 
. 
XXXX account from XXXX XXXX and a balance of {$0.00}. 

XXXX account from XXXX and a balance of {$2300.00}.

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 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There are three separate XXXX XXXX entries appearing on my credit report, all bearing the exact same account number ( XXXX ). These entries are not only duplicative but also contain conflicting and inaccurate information regarding : Inconsistent open dates Varying payment history with reported late payments Status showing the account as open, then closed inconsistently These discrepancies are in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) : Failure to maintain accuracy and integrity of credit information.

15 U.S. Code 1681e ( b ) : Duty to follow reasonable procedures to assure maximum possible accuracy.

Additionally, the reporting of multiple accounts with identical numbers, yet conflicting data, suggests negligent or willful reporting practices that damage my creditworthiness and violate my consumer rights. 

I am requesting the removal of all negative marks, including late payments, and the correction or complete deletion of these duplicative and inaccurate XXXX XXXX entries. If the information can not be verified and corrected, it must be removed as required under FCRA 1681i ( a ) ( 5 ) ( A ).

I have already submitted disputes with the credit bureaus, and now I am requesting the CFPB conduct a thorough investigation into XXXX XXXX reporting practices, as they appear to be reckless and potentially deceptive.

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 2025-04-25 00:00:00
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Cannot graduate, receive diploma, or get transcript due to money owed
Company: Servicer under contract with Federal Student Aid
State: FL

Complaint narrative:
was a student at XXXX XXXX in XXXX XXXX, FL, starting in XX/XX/XXXX. During my third semester, in XX/XX/XXXX, the college abruptly changed the curriculum with only a two-week notice. This new system was completely untested, and students were essentially treated as test subjects for a pilot program that had not been properly implemented or evaluated. 

As a direct result of this sudden and poorly managed transition, a large number of students across various campuses and states failed their courses. The stress caused by this situation was overwhelming and led to serious consequences for me personally. I suffered the loss of my unborn child due to the emotional and physical toll this experience took on me. 

Given these circumstances, I made the very difficult decision to withdraw from the college. Despite returning the financial aid I received, XXXX XXXX is now claiming that I owe a balance of {$1000.00}. They are also withholding my transcripts, which is preventing me from transferring to another institution and continuing my education. 

I believe this situation is unjust, especially considering the mishandling of the curriculum change and the devastating impact it has had on my health and future.

Company response to consumer: Untimely response
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been a victim of identity theft. my information has been involved in Mutiple data breaches. I tried to dispute these 2 inquires with TransUnion on Mutiple occasions and they wouldn't remove these inquires and didn't give me a reason on why they couldn't be removed.

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 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There is fraud information on my credit report pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ). I am a victim of identity theft, and the following information on my credit report does not belong to me and must be blocked as required by law. 
XXXX bank account XXXX Under FCRA Section 605B, you are required to block the reporting of any information in my credit file that resulted from identity theft within four business days of receiving this request, provided I submit the necessary documentation. I've added all Information. 
If you fail to comply with the requirements of FCRA Section 605B, I reserve the right to pursue all available legal remedies.

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 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This correspondence serves as a formal follow-up and final notice regarding your continued noncompliance with the Fair Credit Reporting Act ( FCRA ), despite my previous dispute dated XX/XX/XXXX. To date, you have failed to conduct a proper reinvestigation of the disputed account listed below, nor have you provided the legally required verification documentation in response to my demand under FCRA 611 ( a ).

Let me remind you that under FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ), you are obligated to complete a reasonable reinvestigation of disputed information and to delete or modify any unverifiable data. Additionally, under FCRA 623 ( b ), data furnishers must investigate and report the results of the reinvestigation to the credit reporting agency in a timely and accurate manner. Your failure to do so not only undermines the integrity of the credit reporting system but also exposes your organization to significant legal liability under FCRA XXXX for damages resulting from your willful or negligent noncompliance. 


Documentation Still Required : Despite my prior request, you have not produced any of the following : 1. A copy of the original creditor agreement bearing my signature ( if applicable ) ; 2. Records or communications used to verify the accuracy of the disputed information ; 3. Documentation outlining your reinvestigation procedure and final findings.

Without this verification, continued reporting of inaccurate information violates FCRA 611 ( a ) ( 5 ) ( A ), which explicitly requires deletion if information can not be verified.

Continued Noncompliance Legal Implications You are now in a clear pattern of willful noncompliance. I remind you of the precedent set in : XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) where failure to conduct a reasonable reinvestigation was held as willful noncompliance ; XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) where damages were awarded due to inaccurate reporting and failure to properly reinvestigate. 

I reserve all rights to pursue monetary damages, including : Statutory damages up to {$1000.00} per violation ; Punitive damages for willful noncompliance ; Compensation for actual damages, including emotional distress and credit denials ; Legal fees and court costs, if litigation becomes necessary. 
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 non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I am writing to formally dispute and request the removal of negative information reported by the following financial institutions from my ChexSystems consumer file : XXXXXXXX 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 2025-04-25 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 
XXXX, GA XXXX XX/XX/year> JEFFERSON CAPITAL SYSTEMS LLC Re : Cease Communication and Deletion Request under 15 U.S.C. 1692c ( c ) Account Number : XXXX To Whom It May Concern, I am formally requesting that you immediately cease all communication with me in accordance with my rights under the Fair Debt Collection Practices Act, 15 U.S.C. 1692c ( c ). Furthermore, I demand that you delete this account from all credit reporting agencies to which it may have been reported.

I have reason to believe that this alleged debt is inaccurate, unverifiable, or otherwise not legally enforceable. If you can not provide complete and documented validation of the debtincluding a signed agreement, full accounting, and proof that you have the legal right to collectit must be removed from any credit reporting agency as reporting inaccurate or unverified information is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

Failure to comply with this request may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney General of my state. I also reserve the right to pursue legal remedies for any continued collection activity or reporting of unverifiable debt.

This is a final notice. Please consider this my formal request for you to cease all further contact and remove all references to this account from my credit file immediately. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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 non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Strategic Automotive Servicing, LLC
State: MS

Complaint narrative:
On XX/XX/XXXX I purchased a vehicle from XXXX XXXX auto sales. The suv ran hit the next day and I was stranded on the side of the road with my daughter. I was given a loaner vehicle with similar issues. After a month all four tires have ogine flat on multiple occasions. The back and front brakes are bad and scrubbing. The engine had ran out twice. There is no front bumper and the radiator is visible. Im paying for a lemon Im scared to drive. I was given a higher loan for a vehicle that I have to service with no warranty at all. I found out later this car lot rigs cars for sales then leaves families to foot the bill. Several bad reviews online but I was desperate and I dont know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I attempted to deposit funds to my PNC account ending in XXXX, unaware that the account had been closed due to a charge-off. However, the system still accepted the deposit of {$340.00} via XXXX XXXX on XX/XX/year> and XX/XX/year>. The account is closed, yet PNC did not reject or return the funds as per standard banking procedures. 

I contacted PNC customer service, and the rep acknowledged that the funds were visible in the system, but claimed they could not help and referred me to Default Management. I have not received a refund, and no explanation has been given as to where the funds are. 

I am requesting a full refund of the deposit or a formal written explanation of how the funds were handled and where they are now. This incident is financially damaging and violates basic consumer trust and transparency. 

Screenshots of transactions and chats are available to support this complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Between XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXheck was mailed to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Check was stolen from mail and reported to XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX confirmed Bank of America issued check was forged endorsement and paid to the order of XXXX last name beginning with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3900.00} Cashed illegally fraudently and against bank policy and state and federal law on XX/XX/XXXX. Bank supervisor requested direct contact from XXXX ( pending ) but confirmed that check should never have been cashed with secondary signature unless teller was involved. Electronic endorsement info : BofA, na ( BofA ) XX/XX/XXXX XXXX XXXXXXXX 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 2025-04-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: N.A.R., Inc.
State: UT

Complaint narrative:
I am filing this complaint against NAR , Inc., a debt collection agency attempting to collect on an emergency medical debt related to XXXX  services I received during a XXXX  at XXXX XXXX, an in-network provider. The XXXX  was administered by XXXX XXXX XXXX, an out-of-network provider. As this was an emergency procedure, the debt is protected under the federal No Surprises Act and the Utah No Surprises Medical Billing Act, which prohibit balance billing for out-of-network services in emergencies. 

Despite this legal protection, NAR, Inc. sent me a collection notice attempting to collect on the debt. I disputed the debt formally, in writing, via certified mail with return receipt, as well as by email. 

Instead of properly verifying the debt as required by XXXX XXXX. XXXX ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), NAR responded by mailing me a letter declaring my dispute unfounded and/or frivolous, falsely suggesting that I was required to submit evidence despite the law placing the burden of validation on the collector. 

More seriously, their response included a detailed billing statement containing my confidential medical information, which they could only have received through an unauthorized disclosure by XXXX XXXX XXXX. This is a clear violation of federal XXXX regulations, as my written authorization was never provided for the release of this protected health information ( PHI ) to a third-party debt collector. 

This complaint is supported by : A copy of the letter sent to me by NAR , Inc. 
A copy of the detailed medical bill showing XXXX. 
A copy of the HIPAA complaint I filed with the U.S. Department of Health and Human Services Office for Civil Rights.

I believe NAR , Inc. has violated the FDCPA by : Attempting to collect on a debt that is not legally valid under the No Surprises Act, Failing to properly validate the debt upon dispute, Misrepresenting the consumers obligation to provide evidence, Participating in the unlawful handling of protected health information. 

I respectfully request that the CFPB investigate this matter and ensure that NAR, Inc. is held accountable for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: InDebted Corporation
State: CA

Complaint narrative:
I believe the account is invalid. InDebted USA , Inc. needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.InDebted USA, Inc. XXXX

Company response to consumer: Closed with explanation