vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-03 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: AL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this complaint against XXXX XXXX XXXX XXXX XXXX and XXXX XXXX regarding a collection account that has been wrongfully reported on my credit report. 

The debt in question allegedly stems from a XXXX account with a date of first delinquency listed as XX/XX/XXXX. However, I was born on XX/XX/XXXX, and was only XXXX XXXX XXXX at that time. Under Alabama law, the legal age to enter into a binding contract is XXXX. Therefore, I was not legally able to consent to or be held liable for any contract with XXXX  when the account was allegedly opened or became delinquent. 

I have submitted proof of my age and XXXX age of majority law to both XXXX XXXX XXXX and XXXX in a formal dispute, requesting the removal of this invalid debt from my credit reports. Despite this, the account remains on my report, causing ongoing damage to my credit and financial opportunities. 

This reporting is a violation of my consumer rights and appears to be in conflict with the Fair Credit Reporting Act and possibly other consumer protection laws. 

Attached is documentation verifying my date of birth and previous dispute efforts. Please let me know if additional information is required. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Comerica
State: FL

Complaint narrative:
My card expired, I never received a new one, I cant get through by phone when Ive called over XXXX times even at XXXX am and no answer but its says they are open XXXX 7 days a week, and My benefits are locked on the card and I have to update my address and I cant do it through the app or transfer the funds. So Im completely locked out!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$400.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$30000.00} CHARGE OFF XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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: RI

Complaint narrative:
Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have received a copy on my consumer reports and I notice you have furnished transactions on my consumer report that is excluded by law as per the FCRA 15 USC 1681a 2Ai.

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 2025-08-03 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: RI

Complaint narrative:
Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have received a copy on my consumer reports and I notice you have furnished transactions on my consumer report that is excluded by law as per the FCRA 15 USC 1681a 2Ai.

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 2025-08-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: CO

Complaint narrative:
My personal and financial information was compromised without my authorization. 

The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC
State: OH

Complaint narrative:
I am submitting this complaint to request immediate compliance with my rights under the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. I am formally requesting that Core Logic XXXX : Provide a Full Consumer Disclosure Report This includes all information in my file, including archived, suppressed, and secondary database records, as well as the source and method of verification for each item reported. 

Provide Documentation of Original Contracts For each account listed on my file, I am requesting copies of any original, signed Master Promissory Notes or legally binding agreements from each furnisher. If such documentation can not be produced, the account must be deleted as unverifiable. 

Remove Any Inaccurate, Duplicate, or Unverifiable Accounts Core Logic XXXX is obligated to ensure maximum possible accuracy under FCRA 602 ( A ) and to promptly delete any information that can not be verified under FCRA 1681i ( a ). 

I am also placing Core Logic XXXX on legal notice that if this request is not fulfilled within a reasonable time, I will escalate this matter by filing complaints with the XXXX XXXX XXXX XXXX XXXX XXXX  and the Federal Trade Commission ( FTC ). 

This complaint seeks immediate compliance, transparency, and the lawful removal of any unverifiable or frivolous accounts from my file.

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 2025-08-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I wanted to reach out to let you know that I've recently experienced a data breach that has put my personal information at risk. This situation has raised serious concerns for me about the safety of my sensitive data. As a result of the breach, fraudulent accounts and debts have been opened in my name. I would be grateful if you could take this into account when reviewing my credit report and take the necessary steps to address any inaccuracies or fraudulent activities.

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 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
I have obtained copies of my consumer credit reports and I have noticed that you are furnishing transaction information that is excluded by law under FCRA 15 U.S. Code 1681a ( 2 ) ( A ) ( i ).

There are late payments on this account that have already exceeded the 7-year reporting limit, and they must be immediately deleted in accordance with 15 U.S. Code 1681c ( a ) ( 5 ), which clearly states :

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 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Subject : Unverified and Inaccurate Mortgage Account Reporting Request for Full Deletion Details : I am filing a complaint regarding inaccurate and unverifiable reporting of a mortgage account by TransUnion for [ XXXX XXXX company / XXXX Last XXXX digits of Loan Number ]. 
I previously disputed this account directly with both the lender and TransUnion. The lender has failed to provide proof that the reported information is accurate, complete, and verifiable. 
Under FCRA 15 USC XXXX ( a ) ( XXXX ) ( A ), all furnishers of information must ensure that what they report to consumer reporting agencies is accurate and verifiable. Since the lender has failed to verify the account, TransUnion is required by FCRA XXXX to delete the disputed information. 

Additionally, mortgage lenders are required to comply with XXXX  15 USC XXXX, which requires full and accurate disclosure of loan terms and servicing details. The lender has not provided sufficient documentation proving that the reporting of this account is accurate or that they properly complied with these disclosure obligations.

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 2025-08-03 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: AL

Complaint narrative:
To Whom It May Concern, I am writing to urgently request the removal of fraudulent accounts on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter.

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 2025-08-03 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: TX

Complaint narrative:
I am writing regarding an account you are reporting under my name : Creditor : XXXX XXXX XXXX This account is currently showing as charged off and written off on my credit reports with XXXX XXXX XXXX TransUnion. 
This account also shows on my credit report that my credit information was sold and shared without my knowledge to XXXX XXXX XXXX XXXX in which I have no knowledge why this company is reporting on my credit. 
According to IRS guidelines, when a debt of {$600.00} or more is canceled or forgiven, the creditor is required to issue a Form XXXX ( Cancellation of Debt ) to the borrower. I have not received such a form from XXXX XXXX XXXX regarding this account. 


Therefore, I am formally requesting the following : I'm requesting that they provide me with a copy of the IRS Form XXXX that should have been issued for this account. 

If no XXXX was issued and the debt was not properly forgiven, remove this account from all three major credit reporting agencies ( XXXX TransUnionXXXX XXXX XXXX XXXX XXXX as continued reporting of the account as a charged-off/write-off without proper IRS documentation is inaccurate and incomplete. 

Please treat this as a formal dispute under the Fair Credit Reporting Act ( FCRA ) and a request for validation under the Fair Debt Collection Practices Act ( FDCPA ). 

I respectfully request a written response within the XXXX period allowed by law. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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: TN

Complaint narrative:
I am filing this complaint against Experian Information Solutions , Inc. due to their continuous failure to maintain accurate information on my credit report, as well as their disregard for federal law during the dispute reinvestigation process.

The account in question is : XXXX Account XXXX Summary of the Issue : I have been disputing an inaccurate 30-day late payment being reported for XX/XX/year> on this account. This is completely incorrect, as I have never been late on this account.

Despite my formal dispute, Experian closed the investigation with a generic response, failing to provide any supporting documentation that verifies the late payment reporting. The account has been paid in full and closed since XX/XX/year>, with a {$0.00} balance, yet Experian continues to report derogatory information that is harming my credit profile.

Additionally, Experians reporting shows inconsistencies when compared to other bureaus, such as discrepancies in credit limit, account type, and creditor remarks, which further proves that Experian is not upholding its duty to ensure data accuracy.

Violations by Experian : Failure to Conduct a Reasonable Reinvestigation ( FCRA 611, 15 U.S.C. 1681i ( a ) ) : Experian failed to perform a lawful reinvestigation, disregarding their obligation to verify the accuracy of the disputed information with credible documentation.

Failure to Maintain Maximum Accuracy ( FCRA 607 ( b ), 15 U.S.C. 1681e ( b ) ) : By continuing to report conflicting and inaccurate information, Experian is not fulfilling its legal duty to report information with the maximum possible accuracy.

Failure to Provide Verification Results ( FCRA 611 ( a ) ( 6 ) ) : Experian has not provided me with any documentation from the data furnisher ( XXXX ) proving that this late payment is legitimate.

Continued Reporting of Unverifiable Information ( FCRA 611 ( a ) ( 5 ) ( A ) ) : When Experian is unable to verify an items accuracy, the law mandates its deletion. Experians refusal to remove unverifiable data is a direct violation.

Breach of Transparency under TILA ( Truth in Lending Act ) : While TILA primarily regulates creditors, Experians failure to ensure that the furnishers ( like XXXX ) provide complete and transparent reporting misaligns with the core principles of consumer disclosure rights under TILA. Experian has an obligation to prevent the dissemination of misleading credit data to lenders, which could result in adverse credit decisions.

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 2025-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America Over four months ago, the bank decided to close my account, which had a remaining balance of {$15000.00}. To this day, that amount has not been refunded. Every time I call to inquire about the status of the funds, I receive no clear response. Moreover, I have repeatedly experienced discriminatory treatment throughout this process. There is no valid justification for the bank to continue withholding my money after such a long time. I demand that the full amount be returned to me immediately.

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 2025-08-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am submitting a complaint regarding a fraudulent account that is being reported to my consumer report for XXXX XXXX. I am submitting this formal complaint concerning a fraudulent account in my name reported by CAPITAL ONE to XXXX XXXX XXXX XXXX. This account is the direct result of identity theft, and I have notified all three major credit reporting agencies. 

despite my repeated notifications, identity theft reports, and supporting documentation. 

This is now my third formal complaint, and the continued reporting of this account constitutes willful noncompliance with the Fair Credit Reporting Act ( FCRA ). 

Pursuant to 15 U.S.C. 1681c2, a consumer reporting agency must block the reporting of any information the consumer identifies as the result of identity theft within 4 business days of receiving : 1. Proof of identity 2. Identity theft report 3. Written statement identifying the fraudulent information 4. Statement that the information is not from any transaction initiated by the consumer I have submitted all required documentation more than three months ago, yet CAPITAL ONE continues to report derogatory remarks, and XXXX XXXX XXXX XXXX continue to allow it. 

The following violations are being committed by CAPITAL ONE, XXXX XXXX XXXX : FCRA Violations : 15 U.S.C. 1681b Reporting without a permissible purpose or written consent 15 U.S.C. 1681c2 Failure to block information identified as identity theft 15 U.S.C. 1681n Willful noncompliance ( each violation subject to statutory damages ) 15 U.S.C. 1681o Negligent noncompliance 15 U.S.C. 1681s2 ( a ) ( 1 ) ( A ) Furnishing information with actual knowledge of error 15 U.S.C. 1681s2 ( b ) Failure to investigate and correct after consumer dispute 15 U.S.C. 1681 ( a ) ( 4 ) & ( b ) Failure to maintain reasonable procedures to ensure accuracy, fairness, and relevance All necessary documents have been submitted with this complaint. Any further inaction by XXXX XXXX XXXX  or CAPITAL ONE will constitute continued willful noncompliance and will be pursued through legal action, including potential civil lawsuits and regulatory enforcement. 

This account is not mine. The reporting is fraudulent, the damage is severe, and the law is clear. I have acted in good faith by notifying all parties multiple times. I now demand resolution and compensation in accordance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED 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 FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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: FL

Complaint narrative:
I am filing a formal complaint against TransUnion for reporting an outdated and unverifiable " charge-off '' account from XXXX ( Account # : XXXX ). 

This account was opened on XX/XX/XXXX, and the last payment was made on XX/XX/XXXX. TransUnion is still reporting this account as charged off with a balance of {$100.00}, and last updated it on XX/XX/XXXX. 

This violates my rights under the Fair Credit Reporting Act ( FCRA ) for the following reasons : 1681c ( a ) ( 4 ) Negative accounts must be removed 7 years after the date of first delinquency.

1681e ( b ) Failure to ensure maximum possible accuracy.

1681i ( a ) Failure to investigate and verify information after my dispute.

1681i ( a ) ( 5 ) ( A ) Obligation to delete unverifiable or outdated data.

Additionally, this account is not reported by XXXX  or XXXX, further raising questions about its accuracy and relevance. The small balance ( {$100.00} ) has not been verified and is well beyond the reporting window. 

I previously disputed this entry with TransUnion more than 30 days ago and did not receive proper documentation. I request its immediate deletion.

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 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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