vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 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: CA

Complaint narrative:
I am formally disputing the accuracy of one or more tradelines listed in my TransUnion credit file.

Pursuant to 15 U.S.C. 1681i, you are legally obligated to conduct a reasonable reinvestigation and remove or modify any information that is inaccurate or unverifiable.

In light of the 2023 CFPB enforcement action ( CFPB & FTC v. TransUnion ), in which your agency was fined {$23.00} XXXX for systemic reporting failures, I hereby request that my dispute be handled with due diligence and in full compliance with federal law.

Specifically, I request : 1. Deletion or correction of the inaccurate entry ( ies ).

2. A copy of any verification documents received from the furnisher.

3. A statement describing your reinvestigation method under 611 ( a ) ( 6 ) ( B ) ( iii ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-13 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: IL

Complaint narrative:
Dear TransUnion Dispute Department, I am writing to formally dispute multiple inaccurate and potentially damaging items reported on my credit file. These items have negatively impacted my creditworthiness and appear to reflect the types of violations outlined in the class action Norman v. TransUnion, where the company was found to have reported inaccurate or misleading dataparticularly related to public records and watchlist information. 
I believe that due to similar systemic issues described in that case, the following accounts have been inaccurately reported or mishandled on my credit 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 non-monetary relief
Consumer complaint received 2025-05-13 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: MA

Complaint narrative:
I am formally disputing the accuracy of one or more tradelines listed in my TransUnion credit file. The disputed item ( s ) include : Pursuant to 15 U.S.C. 1681i, you are legally obligated to conduct a reasonable reinvestigation and remove or modify any information that is inaccurate or unverifiable. 

In light of the 2023 CFPB enforcement action ( CFPB & FTC v. TransUnion ), in which your agency was fined {$23.00} XXXX for systemic reporting failures, I hereby request that my dispute be handled with due diligence and in full compliance with federal law. 

Specifically, I request : 1. Deletion or correction of the inaccurate entry ( ies ).

2. A copy of any verification documents received from the furnisher.

3. A statement describing your reinvestigation method under 611 ( a ) ( 6 ) ( B ) ( iii ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: AR

Complaint narrative:
I am XXXX XXXX XXXX. I attend XXXX XXXX XXXX XXXX of Business in XXXX XXXX, AR. This school no longer exists. When I was in my early XXXX, I borrowed only {$5000.00}. After marrying, my husband and I filed XXXX. We knew that the loan could not be XXXX. At this time, it was XXXX XXXX. XXXX XXXX wrote my loans off, {$0.00} balance was shown on my credit report for 11 years. When I got older and re-enrolled, the Department of Education blocked a loan and reported that I had a loan that was defaulted. When I checked then, a represented said, find the documentation and it will be noted. After doing so, it did no good. If you look at my history, all of a sudden, {$40000.00} was placed for student loan collection. 
I have tried fighting this for years. I do not think that it is fair to me. I was XXXX XXXX, not XXXX and the student loan was not a part of XXXX. Of course, it has been too many years too many years for a credit report. The school doesn't exist, and the department of education updated this part of my total student loans as if I signed a new contract and attended school for that amount of money. I DID NOT SIGN A CONTRACT. I DID NOT ATTEND ANYONE 'S SCHOOL FOR THAT AMOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally dispute certain items on my credit report that I believe are being reported inaccurately and in violation of state and federal laws, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
The collection accounts reported against me, as outlined below, appear to violate my rights under these consumer protection laws. Therefore, I demand the immediate deletion of the following items from my credit report due to the lack of substantiated and verifiable documentation. 
Account that are in question are as follow : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ) states that if a consumer notifies a debt collector in writing that they refuse to pay a debt, the collector must cease all further communication, except to notify the consumer of specific actions, such as filing a lawsuit. If a debt collector continues to communicate after receiving such notice, it violates the FDCPA. In such cases, the collection or charge-off should be deleted from the consumer 's credit report because it represents a breach of the consumer 's legal rights. Continuing collection efforts after a refusal to pay can lead to harassment or unlawful practices, and the consumer may be entitled to have the entry removed as a result.

Additionally, I want to emphasize the legal implications of failing to comply with these laws. I will impose a {$1000.00} fine for each inaccurate or unverified claim you continue to report, as permitted under applicable consumer protection laws. If these items are not removed immediately, I will pursue litigation to protect my rights. Legal precedents, such as XXXX v. TransUnion XXXX and XXXX v. XXXX, show that consumers have successfully sued credit bureaus for reporting inaccurate information, and I will not hesitate to do the same if my rights are violated further.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My address is wrong, and I want only my legal name and one address reporting on my credit report. I have sent this request several times ATTENTION DISPUTE DEPARTMENT I have reviewed my report recently. There were names and addresses on it that are incorrect - spelling errors or just plain wrong from my credit report, as allowed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and the Metro 2 credit reporting guidelines. It has come to my attention that the following information on my credit report is incorrect : PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : 1. PLEASE UPDATE MY NAME TO : XXXX XXXX XXXX. PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX. MY ONLY SOCIAL SECURITY NUMBER : SS # : XXXX XXXX. MY ONLY AND CORRECT DATE OF BIRTH : Date of Birth : XXXX 5. MY ONLY EMPLOYER IS : I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. 
Moreover, I request the removal of any other personal information currently listed on my credit report that is inaccurate and does not pertain to me. Specifically, I demand the removal of all other addresses from my report, as they are not deliverable to me by the U.S. Post Office and are not reportable under the FCRA due to their inaccuracy.

I have attached a copy of my identification card and a recent { bank statement/utility bill/ID } for verification purposes, as required by the FCRA.

Under the FCRA Section 611 ( a ) ( 1 ) ( A ), I am entitled to a free copy of my credit report once you have completed the necessary updates. Kindly provide me with an updated credit report so that I may verify its accuracy.

As the FCRA stipulates, if you are unable to complete the investigation within the 30-day timeframe, you must remove the disputed information from my credit report. Additionally, I would like to remind you that under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to notify me of the results of the investigation within five business days after it is completed.

Thank you for your assistance in resolving this dispute. I look forward to receiving an updated credit report from your agency. 
Sincerely, XXXX XXXX SS # : 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 2025-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: NV

Complaint narrative:
I pumped gas on Friday XX/XX/2025. XXXX XXXX ( stop placed a hold for {$150.00} on my card. After pumping {$59.00} in gas, CashApp notified me that the transaction settled for the final amount and the hold was lifted. That all happened while still on the property at the pump. Well, fast forward to Monday XX/XX/2025, and the final charge of {$59.00} is posted but the hold for {$150.00} is still pending. I find this a little appalling considering that I've already been charged for the amount of fuel i pumped into my vehicle. I will be filing additional complaints against XXXX XXXXXXXXXXXX XXXX XXXX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: MD

Complaint narrative:
I've recently reviewed a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-12 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: MD

Complaint narrative:
I've recently reviewed a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-13 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 
I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 1

5 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
never received updated on my account. see attached document

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CO

Complaint narrative:
I sent a cease and desist letter via certified mail along with a request to provide debt validation from Columbia debt recovery Llc and proof that they are legally able to operate as a business in the state of Colorado.They sent back a document that lacked any type of signature, verification or agreement between the involved parties. Their possession of any type of my personal information without my given permission constitutes a clear violation of my right to privacy according to 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: MN

Complaint narrative:
I am filing this complaint because the account in question contains reporting errors. I have previously disputed this with the credit bureau ( s ), but the issue remains unresolved. Specifically, the last payment date and the last date of activity reported on the account are inaccurate. I have attached supporting documentation showing these discrepancies.

I am requesting that the inaccurate information be corrected, or that the account be deleted from my credit file if the furnisher can not provide accurate and verifiable reporting.

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 2025-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: FL

Complaint narrative:
On XX/XX/XXXX I received an email from the Discover Card Customer Protection service department asking for additional documentation to verify my identity. My account was up to date at that time, there had been no changes on my end.

I asked why they were requesting these documents, like if there was a problem or breach of security. I was told that there was no reason and that this info could be requested at any time.

I decided that I wanted to close the account. However, the account was still open for atleast a year afterwards and still accumulating late fees and interest. I then went through a process called " XXXX XXXX '' to bring my account current. 

I payed {$130.00} each month and noticed that the outstanding balance was not decreasing. So I decided to cease payments until I had the amount to pay the entire amount in full. I then received an email stating that I will be taken to court unless I make a payment by XX/XX/XXXX. 

I then contacted Discover again in the attempt to resolve this issue. The representative said if I could make a payment of XXXX on XX/XX/XXXX she would be able to deduct XXXX from my balance owed, but when I informed her I wouldn't be able to make that payment amount until XX/XX/XXXX she said she would only be able to deduct XXXX. She added that I would have to pay an additional $ XXXX late fee because I'm making the payment after XX/XX/XXXX. 

If my card had of been closed back in XX/XX/XXXX like I initially requested, I would have not accrued any interest or late fees. My credit card balance is almost {$1000.00} over the limit of {$2500.00} due to late fees and interest that continued to accumulate after I closed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: GA

Complaint narrative:
This company is breaking the law by failing to provide proper validation details as required under XXXX XXXX XXXX ( b ) ( XXXX ). Despite this, they've added a collection to my credit report. 

I've already tried to resolve these issues directly with them, but they continue to violate my rights. For each violation listed, I am entitled to {$1000.00}. They must either compensate me or remove these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I am filing this complaint because I have been overcharged and denied a refund despite providing proof and following all required steps. My rights as a consumer under Regulation E have not been upheld by Sofi during the dispute process. 

In XX/XX/XXXX, I made a down payment of {$1200.00} to XXXX XXXX using my husbands XXXX credit card. Later, at my appointment, the XXXX office refused service, claiming I had not paid. I showed them proof, but they insisted I pay out of pocket ( {$1000.00} ) to proceed, promising to refund the duplicate charge later. I also paid {$330.00} extra for XXXX XXXX, which I agreed to deduct from the refund amount. 

Despite multiple calls and emails over several months, XXXX XXXX has failed to provide proof of refund. Theyve given inconsistent answers, and no refund has been received on either my debit card or my husbands XXXX account ( the only refund they processed was unrelated, for his XXXX XXXX  ). 

I disputed this with my bank, Sofi, in XX/XX/XXXX, originally requesting {$720.00} back, but later corrected the amount to {$910.00}, based on what I actually overpaid ( XXXX - XXXX + XXXX ). Despite providing transaction records, screenshots, and detailed explanations, Sofi denied my claim, saying there was insufficient proof even though I submitted clear evidence that I was double charged and never refunded. 

I have also provided Sofi with chat records showing my efforts to correct the dispute amount and provide additional documentation. I have call records showing I repeatedly contacted XXXX XXXX over a XXXX period, attempting to resolve this directly, but I was given the runaround. 

I am requesting that CFPB investigate this matter and require Sofi and XXXX XXXX to provide proof of refund or issue me the refund I am owed. I am also requesting that Sofi be required to follow proper dispute resolution procedures as outlined under Regulation XXXX. 

Documents Attached : -Receipts from XXXX XXXX XXXX credit card statements showing the original charge and lack of refund Screenshots and records of my payments and communications Dispute denial letter from Sofi Phone call logs showing repeated attempts to resolve this with XXXXXXXX XXXX Chat logs from Sofi showing my efforts to correct and provide more information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This inquiry was made online without my knowledge or permission. I didnt authorize it, I didnt initiate anything with this company, and I had no idea it even happened until I reviewed my report. Thats not okay.

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