vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-11 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: CA

Complaint narrative:
Recently I looked at a copy of my credit report and notices several inaccuracies on my account.This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy, Here is the item I am asking to to verify as accurate : Account name - Open XXXX XXXX XXXX Account Number- XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 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: CA

Complaint narrative:
Recently I looked at a copy of my credit report and notices several inaccuracies on my account.This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy, Here is the item I am asking to to verify as accurate : Account name - Open XXXX XXXX XXXX Account Number- XXXXXXXX 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 2025-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I changed bank accounts and updated my Automatic payment with Capital Bank, 2 weeks before payment was due.

Payment was due on XX/XX/XXXX, a Sunday. On Friday XXXX, no money was yet taken from my bank account so I assumed that payment would come out on the Monday and that that was the due date. 

On Monday, no money was taken out of my bank account nor credited into the credit card account so I made a manual payment to the credit card using my debit card. 

Later on the same Monday, I call Capital to check everything is ok and they suggest that I make a payment then ( which i had done in the morning, as explained in paragraph above ) .They tell me that it is ok then. I did state that the original bank account where the money comes from did not have enough cash to fund both transactions : the automated payment and the payment i made in the morning ; they did not think it was an issue as long as one was made 4 days later, on the XXXX, I am charged {$59.00} for interest. 

I have called Capital bank about this. They explained that the charges are because i missed my deadline by one day.

My statement shows one payment coming out on the XXXX, one on the XXXX and a reversal of the payment on the XXXX ( I assume that it is the automatic payment that reverses but I am not sure ). 

I am extremely unhappy at this as i made everything in my hand to pay my dues on time. They have credited my payment on Monday morning as Tuesday payment. 

They refuse to listen anymore and they have no complaint procedure internally. I have never spoken to a coldest person in my life. 

Their system, doesn't show the real day when they are crediting the money so I feel deceived and was unable to control the situation because neither Capital nor my bank, XXXX, showed any payment son the XXXX so, understandably, i made the second payment, worried that something will go wrong. 
Capital are not taking any responsibility over anything and they just don't seem to care. 
I asked for a refund on the basis of unfairness but also the fact that they do not accept my card payment made on Monday morning, even though it is accepted on their website and was the suggested by them in order to meet the deadline. 
Note : the statement from them shows 3 payments and 2 of them returned before the XXXX XXXX. 
I attach the statement I also attach a screenshot of the webpage that shows that the automatic payment was ok, according to them.At that point, i would not be able to see the transactions occurred before the XXXX, they only appear on the statement, which may have been amended a posteriori

Company response to consumer: Closed with monetary relief
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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
Lvnv funding llc {$9100.00} This letter Is being sent in response too Be aware this is not a refusal to pay but notice sent pursuant fair debt collection Act. This is not a request for verification or proof of my mailing address, but a request for validation made pursuant of the above name title and section I respectfully request your office to provide me with competent evidence that I have any legal obligation to pay you.

I also will inform you if you office have reported invalidated information to any of the major 3 credit bureau this action may constitute fraud under reports by your company that you representif any if any negative mark is found on my credit by your company I will not hesitate to bring legal action against you or your client for the following voilation of the fair debt collection practices Act, And deflamation of character. 
During which time all collection activity must cease and desist. Also during this validation period. If any action is taken which could be detrimental to any of my credit reports. I will consult with my legal counsel or suit. This includes any information to a credit repository that can be inaccurate If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request should be sent to me immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: IL

Complaint narrative:
Nelnet is reporting inaccurate monthly repayment amount balances from my student loans on my credit report. I've called the company multiple times, however, they make it very difficult to actually speak to a person. After seeing that Nelnet is going through a class action lawsuit, I did the calculations for my monthly repayments, and Nelnet is reporting miscalculated information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: CT

Complaint narrative:
Formal Complaint Regarding Unverified Debt Reporting by XXXX XXXX XXXX  To Whom It May Concern, I am filing a formal complaint against XXXX XXXX XXXX for reporting an alleged debt on my credit file without valid proof or contractual agreement. This account shows a balance of {$470.00} and is marked as Placed for collection with a dispute remark of Dispute resolved subscriber disagrees, last reported on XX/XX/year>. 

I have never signed or agreed to any contract with XXXX XXXX XXXX, and I did not provide a hard ( wet ) signature authorizing this debt or acknowledging responsibility for it. Therefore, this account is being reported without my direct consent or legal agreement, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Additionally : XXXX. No original signed contract has been provided by the furnisher to validate this alleged debt. 
XXXX. I have disputed this debt multiple times, and the account continues to be reported with an unresolved status that is misleading and damaging. 
XXXX. XXXX XXXX  failure to verify or remove the account after dispute suggests unfair and deceptive reporting practices. 

I respectfully request that the CFPB investigate this matter and require XXXX XXXX to provide the original signed contract bearing my signature. If they are unable to produce such documentation, I request the account be removed immediately from my credit report across all reporting agencies. 

Thank you for protecting consumers and for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XX/XX/year> 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 2025-05-11 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: CT

Complaint narrative:
Formal Complaint Regarding Unverified Debt Reporting by XXXX XXXX XXXX  To Whom It May Concern, I am filing a formal complaint against XXXX XXXX XXXX for reporting an alleged debt on my credit file without valid proof or contractual agreement. This account shows a balance of {$470.00} and is marked as Placed for collection with a dispute remark of Dispute resolved subscriber disagrees, last reported on XX/XX/year>. 

I have never signed or agreed to any contract with XXXX XXXX XXXX, and I did not provide a hard ( wet ) signature authorizing this debt or acknowledging responsibility for it. Therefore, this account is being reported without my direct consent or legal agreement, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Additionally : XXXX. No original signed contract has been provided by the furnisher to validate this alleged debt. 
XXXX. I have disputed this debt multiple times, and the account continues to be reported with an unresolved status that is misleading and damaging. 
XXXX. XXXX XXXX  failure to verify or remove the account after dispute suggests unfair and deceptive reporting practices. 

I respectfully request that the CFPB investigate this matter and require XXXX XXXX to provide the original signed contract bearing my signature. If they are unable to produce such documentation, I request the account be removed immediately from my credit report across all reporting agencies. 

Thank you for protecting consumers and for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XX/XX/year> 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 2025-05-11 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: MT

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : 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 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

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 2025-05-11 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: CBC Companies, Inc.
State: FL

Complaint narrative:
bXXXX XXXX\nDOB XXXX\nSOCIAL SECURITY # XXXX\nXXXX XXXX XXXX XXXX XXXX XXXX FL XXXX\nXXXX\nXXXX\n\nInnovis XXXX XXXX\nPXXXX XXXX XXXX, PA XXXX\n\nSubject: Urgent Request for Removal of Fraudulent Accounts Within 7 Days\n\nTo Whom It May Concern,\n\nI am writing to urgently dispute fraudulent accounts that have been wrongfully reported on my Innovis credit file. These accounts were opened without my knowledge or authorization and are the result of identity theft.\n\nThe following accounts are fraudulent and must be removed from my credit report immediately:\nXXXX XXXX\nClosed on XXXX XXXXXXXX XXXX\n\nXXXX\nClosed on XXXX XXXX XXXX\n\nXXXXnClosed on XXXX XXXX XXXX\n(Include additional accounts as needed)\n\nI am formally requesting that these accounts be removed from my report within 7 days of receipt of this letter, due to the serious and damaging impact they are having on my credit standing and personal security.\n\nI have enclosed copies of the following documents to support my claim:\n\t\tA copy of my government-issued identification\n\t\tProof of my current address\n\t\tA copy of the police report and/or identity theft affidavit\n\t\tAny relevant documentation proving the accounts are fraudulent\n\nPlease confirm in writing that these accounts have been deleted from my file. If I do not receive a response within 7 days, I will escalate the matter to the Consumer Financial Protection Bureau (CFPB) and other relevant authorities.\n\nThank you for your prompt attention to this urgent matter.\n\nSincerely,\nXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a victim of XXXX XXXX this is my second attempt of notifying the bureau

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 2025-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
CFPB Complaint filed on XX/XX/year> My identity was used to obtain utility accounts, an apartment, and I believe funding for housing in my name in the XXXX area. 

The companies that allowed the fraud, dates accounts were opened and debt collectors : XXXX XXXX XXXX XXXX account opened XXXX Transworld Systems IncXXXX Alleged debt owed {$1900.00} This was for utilities in XXXX or XXXX XXXX I know that because there are addresses listed on my credit report for several XXXX, TX addresses and 2 for XXXX, TX. I have NEVER lived in XXXX and don't know anyone who does. 

I do not live in the XXXX area and have not for 45 years, and no longer have any family or friends there- we literally have to that area. I can not tell you the last time I stepped foot in XXXX or the surrounding area. I am retired XXXXXXXX XXXXXXXX XXXX, and XXXX XXXX living in XXXX, Texas with my husband XXXX for almost 10 years. These companies were allowed to open accounts in my name without proper verification of who I was and I am not happy about it. When you contact the companies, you get the run around and they say the debt has been sold and when you contact the debt collectors they won't listen and try to make things almost impossible for me to correct fraud they are now supporting- they want to collect the debt. I am a XXXX XXXX XXXX and I do not understand why I would need to file a police report for these things I wasn't even aware of years later. I think my sheriff 's office would think I was losing it if I came in and asked to file a police report for something that occurred in XXXX area years ago that I wasn't even aware of and is not within their jurisdiction. I shouldn't have to prove a negative, but I am willing to sign affidavits and provide my XXXX providers, and proof of residency and home ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: CA

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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 AND XXXX. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: WI

Complaint narrative:
Experian keeps adding this fraudulent XXXX  account to my credit report. Every month they delete this account then add it back.

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 2025-05-11 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 submitted a dispute regarding a XXXX XXXX  account. The bureau responded stating the account was verified without providing documentation. This violates FCRA 611 ( a ) ( 6 ). I believe this item was previously deleted and reinserted without proper notice ( FCRA 611 ( a ) ( 5 ) ). I am requesting full removal or proper documentation from the original creditor.

Lack of Clarity on Dispute Outcome It vaguely states that fields have been modified ( Closed Date, Scheduled Payment ), but doesnt explain what the original information was, how it changed, or why.

It says the item belongs to you, but doesnt specify if the dispute was upheld, partially accepted, or fully rejected.

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 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I submitted a dispute regarding a XXXX XXXX  account. The bureau responded stating the account was verified without providing documentation. This violates FCRA 611 ( a ) ( 6 ). I believe this item was previously deleted and reinserted without proper notice ( FCRA 611 ( a ) ( 5 ) ). I am requesting full removal or proper documentation from the original creditor.

Lack of Clarity on Dispute Outcome It vaguely states that fields have been modified ( Closed Date, Scheduled Payment ), but doesnt explain what the original information was, how it changed, or why.

It says the item belongs to you, but doesnt specify if the dispute was upheld, partially accepted, or fully rejected.

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 2025-05-11 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: GA

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

Company response to consumer: Closed with explanation