vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. CXXXXe 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 XXXX US CXXXXe XXXXB 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 2025-05-06 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. CXXXXe 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 XXXX US CXXXXe XXXXB 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 2025-05-06 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 received a copy of my credit report, and there is inaccurate information that is being reported on my credit report. XXXX XXXX AGREED TO DELETE ALL DEROGATORY COMMENTS ONCE THE ACCOUNT WAS PAID IN FULL. AS YOU CAN SEE, THE ACCOUNT WAS PAID IN FULL. PLEASE DELETE ACCOUNT FROM MY CREDIT REPORT DUE TO INACCURATE INFORMATION. I disputed the ACCOUNT WITH XXXX, AND THEY DID AN investigation and DELETED ACCOUNT OFF MY REPORT. EQUIFAX, EXPERIAN, AND TRANSUNION ALL STATED ACCOUNT WAS VERIFIED, BUT NEVER SENT ME PROOF OF THE METHOD OF VERIFICATION. I HAVE A SCREENSHOT PROVING XXXX DID INVESTIGATION AND TOOK ACTION ON MY ACCOUNT. 
XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DELETE FROM 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
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> To Whom It May Concern, I am writing to formally dispute a debt that has been reported under my name in connection with XXXX XXXXXXXX XXXX XXXXXXXX XXXX. I am the victim of identity theft, and I have no knowledge of, nor did I authorize, any application, lease, or associated financial obligations with this property. 
The account or debt in question does not belong to me and was fraudulently opened or incurred by someone using my personal information without my 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 2025-05-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: NY

Complaint narrative:
Complaint Statement : I purchased a phone from XXXX XXXX in 2024 and the device was marked as delivered. However, I never received the phone. It was signed for by someone else at a different location, and I have a copy of the proof of delivery showing the signature and image of the person who fraudulently received the device. 

I contacted XXXX and informed them immediately, but they did not resolve the issue. Instead, they reported the balance to a debt collector ( Diversified Adjustment Service ), and now Im being held responsible for {$1300.00} for a device I never received. 

This has negatively impacted my credit report, and I am disputing this debt as it is not valid. I request that the debt be removed and my credit report be corrected accordingly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I am writing to formally file a complaint against Nelnet concerning the misreporting of my federal student loan account. Despite my timely and full payments, Nelnet has inaccurately reported my account as delinquent to the credit bureaus, resulting in an unjustified and significant drop in my credit score. 

This action is in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), which stipulates that a furnisher of credit information must not report inaccurate information to a consumer reporting agency. Furthermore, under 15 U.S. Code 1681s-2 ( b ), once a consumer disputes the accuracy of any reported information, the furnisher is legally obligated to conduct a reasonable investigation and promptly correct any inaccuracies found. 

I have made all required loan payments on time and in full, and I have documentation to prove this. Nelnets failure to correct this errordespite my repeated efforts to resolve it directlyconstitutes not only negligence but potential willful noncompliance with federal consumer protection laws. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and compel Nelnet to : Immediately correct the inaccurate delinquency report with all credit reporting agencies. 

Notify all affected credit bureaus of the correction as required under 15 U.S. Code 1681i ( a ) ( 5 ) ( A ). 

Provide written confirmation of the correction and explanation for the initial error. 

The misreporting has already caused material harm to my financial standing, including diminished access to credit and potentially higher interest rates. I seek a full remedy and restoration of my credit profile as it existed prior to this incorrect delinquency report. 

Please let me know if you require any further documentation. I appreciate your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received a call from Regions Bank saying that {$9000.00} had been deposited on my business account in the course of XXXX month by mistake. These payments seem to have been deposited weekly by mistake, my company receives weekly, biweekly and monthly payments from several clients so these deposit did not raise a flag for me. 

They now want to withdraw the {$9000.00} dollars from my account all at once without written proof that the money belongs to someone else and even though I dont even have {$9000.00} in my account. By no means do I think Im entitled to the money or have refused to give it back, but I politely asked the bank to provide a payment plan to return it considering that I dont have the money at this time and it was their mistake. They mistakenly made deposits to my account for XXXX months and instead of claiming responsibility, theyre putting a huge financial burden on my business. 

The employee who called was disrespectful and offer no solutions or options whatsoever.

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 2025-05-06 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: MI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-06 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-06 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: OH

Complaint narrative:
Between XX/XX/XXXX and XX/XX/year>, I submitted a series of formal credit disputes to Experian via Certified Mail with Return Receipt. My disputes included multiple issueslate payments, charge-offs, collections, personal information inaccuracies, and hard inquirieseach backed by citations of relevant FCRA statutes, including 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ) ( A ), 1681s-2 ( b ), and 1681i ( a ) ( 7 ).

Despite including all legally required documentation ( proof of ID, address, a notarized affidavit, and tracking numbers for compliance ), XXXX  issued a dispute resolution dated XX/XX/year>, stating most accounts were verified as accurate without any documentation or a Method of Verification ( MOV ). They did not provide the source, furnisher information, or how they verified the data.

Additionally, I requested a Method of Verification under FCRA 1681i ( a ) ( 7 ), but this was ignored. This suggests the investigation was not conducted in good faith and may have been routed through e-OSCAR without manual reviewcontrary to XXXX v. XXXX, which requires a reasonable investigation. 

As of this submission, I have still not received any MOV response, nor were my original requests acknowledged in detail.

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 2025-05-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: NerdWallet, Inc.
State: NY

Complaint narrative:
I have been trying to recover my {$4500.00} security deposit from XXXX by NerdWallet since XX/XX/year>2025, when I requested to close my credit card. Despite fulfilling all requirements ( paying outstanding balance, providing identity verification multiple times, and updating my address ), they have failed to return my funds after four months. 

On XX/XX/scrub> 2025, I cleared my remaining {$2.00} balance but couldn't transfer my security deposit due to a {$500.00} transfer limit. On XX/XX/XXXX, I was informed that all accounts were disabled as the program was closing on XX/XX/scrub> 2025, and refunds would be issued. 

On XX/XX/XXXX, I was told refunds would be issued " by the end of XX/XX/scrub> 2025. '' When XXXX ended with no refund, I followed up. On XX/XX/year>2025, their representative XXXX claimed my check was issued on XX/XX/XXXX and " should have been delivered roughly by today. '' Today is XX/XX/XXXX, and I still have not received any check. 

The company has repeatedly required me to verify my identity ( four separate times ), delayed responses, provided vague timelines, and recently closed my support ticket despite the unresolved issue. Each time I follow up, they restart the verification process instead of addressing the status of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
On XX/XX/year>, I contacted Midland XXXX XXXX to settle a debt. The first representative informed me that a settlement could be arranged. I was then transferred to a XXXX, to whom I offered to pay approximately XXXX % of the total balance as a settlement. I requested a written confirmationeither by email or letterstating that this payment would satisfy the debt in full. 

The XXXX refused to provide such documentation and instead began making threatening remarks. He stated that the matter would be escalated to their attorney and taken to court, implying that a judgment would be filed and suggesting it could affect my employment. At the end of the call, when I asked whether I should proceed with paying them or prioritize settling with XXXX other companies, the XXXX told me not to pay Midland at all, simply because the amount I offered was not acceptable to him. 

I am filing this complaint because I believe the XXXX 's comments and tactics were inappropriate, unprofessional, and potentially in violation of debt collection laws. The use of intimidation and refusal to provide written documentation of a settlement agreement raise serious concerns.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: MS

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 2025-05-06 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX Balance : {$2000.00} Open Date XX/XX/XXXX Inquiries : XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  Date XX/XX/XXXXXXXX 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 2025-05-06 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: AZ

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my 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
Consumer complaint received 2025-05-06 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: MO

Complaint narrative:
I am a victim of the Equifax data breach please see attachments below.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX & TransUnion credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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.

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