vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-09 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: WI

Complaint narrative:
XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Experian XXXX  XXXX XXXX, PA XXXX Equifax XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX SSN ( Last XXXX ) : XXXX Date : XX/XX/XXXX Subject : Request for Investigation and Deletion of Inaccurate/Unverifiable Information FCRA XXXX Dear Credit Bureau Representative XXXX I am exercising my rights under the Fair Credit Reporting Act ( FCRA, XXXX U.S.C. XXXX ) to ensure all information in my credit file is accurate, complete, and verifiable. After reviewing my report dated XX/XX/XXXX, I found multiple entries that are inaccurate, outdated, or unverifiable. 

Please conduct a full reinvestigation and delete or correct all negative and/or derogatory items that can not be verified with original source documentation. Specifically, this includes but is not limited to : Any collections, including XXXX. XXXX XXXX and any others. 

Any accounts listed as derogatory, delinquent, charged off, or past due. 

Any incorrect name variations ( e.g., XXXX XXXX XXXX, XXXX XXXX XXXX ). 

Any outdated or incorrect addresses other than my current address above. 


Under FCRA XXXX ( a ), you must verify each item with the original data furnisher within 30 days or remove it entirely. If verification can not be obtained, deletion is mandatory. Please provide an updated report reflecting all corrections. 

Sincerely, XXXX XXXX XXXX ( signature )

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 2025-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIRST NATIONAL BANK OF OMAHA
State: VA

Complaint narrative:
I am writing to report that I am a victim of identity theft and to dispute fraudulent activity on my account Firat Bank of Omaha account number ending in XXXX on my credit report. I have not initiated the following transactions or opened the following accounts : First Bank of Omaha XX/XX/year> in the amount of {$2600.00}. 
I am requesting that you immediately take the following actions : Delete any finance, other charges and negative information related to this fraudulent activity from this 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 2025-11-09 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF XXXX  OR XXXX LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER XXXX  LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-09 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: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
I found an inaccurate negative item on my credit report. I contacted the creditor, received no verifiable response, and am requesting a full investigation under the Fair Credit Reporting Act ( FCRA ). According to the 15 U.S. C 1681 there should be no damages on my credit report it is a defamation of to my character. Please remove this unverifiable item. ''

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 2025-11-09 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2025-11-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
I applied for loan forgiveness during the COVID-19 pandemic. I was under the understanding it was approved. 
I also learned that this school does not provide certifications from XXXX, XXXX, or XXXX  like advertised, I have not received a registered paralegal certificate. They provided no support in procuring any job opportunities in my field of study, as advertised. 
I just today received a very large bill to pay in full that I can not afford to pay. 
I dont know what to do. I believe I was taken advantage of as a single mom and them knowing my financial background that I would be able to get a better job. Then Covid hit, no one was hiring, when it ended my credentials were basically non existent since my school didnt provide certification.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Klima, Peters & Daly, P.A.
State: VA

Complaint narrative:
I am submitting this rebuttal as XXXX XXXX XXXXXXXX and Klima , Peters & Daly , P.A . provided false and misleading information in their response to the CFPB and continued collection activity despite being notified of a fraud dispute. Velocity stated to the CFPB that the account was placed on hold while the account is investigated and that no further action would occur until the investigation was concluded. This statement is untrue and materially misleading. No investigation was conducted, no findings were provided to me, and legal collection efforts continued. Violations & Misconduct 1. Misrepresentation to the CFPB XXXX response falsely claims an investigation was initiated and the account was placed on hold. In reality, they proceeded with legal enforcement actions, including moving forward with garnishment. Providing false or misleading information to the CFPB is a direct violation of federal consumer protection standards. 2. Continued Collection Activity During a Fraud Dispute Once a fraud dispute is raised, a collector is required to pause collection efforts pending review. Instead, Velocity and its legal counsel continued pursuing judgment enforcement. This constitutes improper and abusive collection conduct. 3. Failure to Provide Any Investigation Results or Debt Validation Velocity stated the consumer would be notified at the conclusion of the investigation. To date, I have received no investigation outcome, no validation, and no communication whatsoever. Closing a dispute without investigating is a direct violation of a reasonable review standard and fails to meet basic requirements of a fair credit dispute process

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: GA

Complaint narrative:
TransUnion is reporting this account as open but is not reporting accurate required fields. There is no status, no payment history, no terms and this makes it incomplete, inaccurate and unverifiable. I am requesting deletion based on non-compliant furnishing.

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 2025-11-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: AXOS FINANCIAL, INC.
State: LA

Complaint narrative:
I received an email Friday, XX/XX/XXXX around XXXX telling me your account may be suspended and I had to submit a copy of my ID song with a current picture of myself. I immediately did the requested instructions and called their customer service number asking my next step. I was told my info was submitted to their fraud prevention department and it could take XXXX business days for review. Keep in mind this account has been opened for a week before so this happened. In my opinion this should have been verified BEFORE letting me deposit over XXXX into a savings account with them. Axos locking me out of my account is a huge inconvenience due to me not having access to my money. But hey, they understand my frustration or so I am told.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: KY

Complaint narrative:
I had too my car to a XXXX for mechanic work. There was a lot of mechanical issues with engine and XXXX XXXX XXXX. About a week after they had my car the government shut down due to XXXX. I had contacted XXXX after a few weeks of not hearing anything from XXXX on my car status. They had informed me my car would not start so they would need to check some more stuff and they would get back to me. After approximately XXXX more weeks I had contacted XXXX again to check the status. XXXX informed me that my car was sold by XXXX and the credit acceptance approved this sale. Credit acceptance removed the lean on my vehicles title and allowed XXXX to sell the car because I was behind on my payment due to a car wreck I was in a few months prior to the car purchase. I underwent XXXX surgeries and then XXXX shut down everything. The amount that my car sold for should have been taken off of my balance. When I contacted credit acceptance about this issue they denied giving me any documentation about the car after it sold from XXXX. I also contacted XXXX and they told me that it was approved my the creditor but they had no documentation either. My car should not have been sold without my knowledge I could have paid the loan off in full with my settlement from my car accident just a month later but they way I was treated was wrong. I was a single mother, raising my sister and my daughter and in a horrible car accident where I had to have XXXX surgeries and move states away so that I could have help from family and friends during my recovery from XXXX. P

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 2025-11-09 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF XXXX  OR XXXX LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER XXXX  LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: CL Holdings LLC
State: MO

Complaint narrative:
I have absolutely no knowledge of this account and believe it was open fraudulently

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I state that the false late payment entries on my accounts are in violation of 15 USC 1666. I have consistently paid on time, and any inaccuracies in this reporting are both unfair and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: TX

Complaint narrative:
My cash app account was closed by cash app themselves for an undisclosed reason. I can not access the account through any of the available channels. My disability check was direct deposited to the above-mentioned account after cash app closed it. Cash app is refusing to send the money back from where it originated ( the social security office ). Within the terms of agreement it states : " Any direct deposit sent to an account that has been closed will be returned to the place of origin within 1-3 business days. It has been well over one month since the direct deposit was received by the closed account. Cash app is thereby violating the terms of agreement thus barring me from receiving my disability check that I rely on. In order for me to receive my disability check the direct deposit must be returned to the social security office.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I am filing a formal complaint regarding inaccurate credit reporting by Santander. I previously disputed this account with XXXX XXXX XXXX XXXX, but they verified the information without providing any proof of accuracy. 

Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681 requires all credit reporting to be fair, accurate, and verified. 
XXXX hold furnishers and credit bureaus liable for willful or negligent noncompliance. 

The companys reporting stems from predatory lending practices, which raises reasonable doubt about the accuracy and validity of the reported data. 

I am requesting that the CFPB investigate this matter and ensure full compliance with FCRA standards including deletion of any unverifiable or inaccurate information from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I respectfully request that the CFPB require Affirm Inc. to immediately delete or correct all inaccurate information being furnished to the credit bureaus and to cease reporting any accounts it no longer owns or services. Affirm has confirmed in writing that certain loans were sold to XXXX XXXX XXXX XXXX XXXX, yet it continues to appear as the furnisher of record. This is misleading and violates the Fair Credit Reporting Act ( FCRA 605B ).

I am requesting a full investigation and verification of each account. Affirm should provide written confirmation that all transferred loans have been removed from my credit file and that any remaining charge-off accounts are accurate, verified, and lawfully reported. I seek full correction of my credit reports to reflect only accurate and authorized information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: COLLECTECH DIVERSIFIED, INC.
State: TX

Complaint narrative:
My credit report shows collection accounts that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to an accurate credit report. I am requesting these entries be reviewed, and if they can not be verified as correct, they should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I am disputing all information currently reported on my ChexSystems consumer file. The following occurred : Inaccurate Personal Information : Multiple addresses, phone numbers, and email addresses reported in my file are incorrect and do not belong to me.

Fraudulent Account Reporting : XXXX XXXX  reported an account as suspected fraud activity with an original charge-off of {$1000.00} and an unpaid closure status. I have never authorized this account or conducted any transactions associated with it. 

Unauthorized Inquiries : Numerous inquiries from financial institutions and services ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX inaccurate or unauthorized. I did not initiate or authorize these inquiries.

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 2025-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
During the pandemic by bank account was frozen can I was not able to get to my friends so that I can pay my rent and live my life so I became homeless so Bank of America needs to compensate me for this so for XXXX years. I lost a family I'm not going to get into detail but you can imagine

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 2025-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally requesting the removal of this inaccurate account from my credit report, as I did not authorize its creation or use. Attached are the necessary documents to support my claim.

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 2025-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: COLLECTECH DIVERSIFIED, INC.
State: TX

Complaint narrative:
I am formally requesting the removal of this incorrect account from my credit report, as I did not authorize its creation or usage. Attached are the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2025-11-09 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: LA

Complaint narrative:
I found an inaccurate negative item on my credit report. I contacted the creditor, received no verifiable response, and am requesting a full investigation under the Fair Credit Reporting Act ( FCRA ). According to the 15 U.S. C 1681 there should be no damages on my credit report it is a defamation of to my character. Please remove this unverifiable item. ''

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