vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
I am requesting a debt validation, including the assignment contract, and a detailed list of the payment history on this debt. I want to see the original signature contract that I agreed to for this debt. Has there been any insurance claim found on the debt? And any other validation available from this debt collector : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I am filing a complaint against XXXX  XXXX XXXX and several furnishers for reporting inaccurate and unverified negative accounts that have harmed my credit health. Despite prior disputes under the Fair Credit Reporting Act ( FCRA 611 ), these items remain on my credit file without proper verification. The accounts include XXXXXXXX XXXX XXXX XXXX XXXX XXXX I request that the CFPB investigate these violations, require the furnishers to provide documented validation, and ensure the removal or correction of all unverifiable data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate and unverifiable information that continues to appear on my credit report. Under 15 U.S.C. 1681i, I have the legal right to dispute any information on my credit report that is inaccurate, incomplete, or can not be verified.

I have previously submitted multiple disputes to your agency ; however, the disputed items continue to appear as updated or verified without any proper reinvestigation. To date, I have not received any documentation or evidence verifying the accuracy of the reported accounts. 



Specifically, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$500.00} company has failed to provide : Verification of the debt, The original signed contract bearing my signature, and A complete explanation of the amount owed and how it was calculated. 

Additionally, I have already provided proof of identity theft, including a police report and supporting documentation. Despite this, the disputed accounts remain on my credit report without proper validation or investigation, which is a clear violation of my rights under the FCRA.

I am demanding that you conduct a reasonable reinvestigation of the disputed items and delete any information that can not be verified as accurate and complete. If you continue to report this information without proper verification, it may constitute willful noncompliance under 15 U.S.C. 1681n.

Please provide written confirmation of your reinvestigation results, including copies of all documents and evidence used to verify the accuracy of the information.

Thank you for your prompt attention to this matter.

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 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate and unverifiable information that continues to appear on my credit report. Under 15 U.S.C. 1681i, I have the legal right to dispute any information on my credit report that is inaccurate, incomplete, or can not be verified.

I have previously submitted multiple disputes to your agency ; however, the disputed items continue to appear as updated or verified without any proper reinvestigation. To date, I have not received any documentation or evidence verifying the accuracy of the reported accounts. 



Specifically, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$500.00} company has failed to provide : Verification of the debt, The original signed contract bearing my signature, and A complete explanation of the amount owed and how it was calculated. 

Additionally, I have already provided proof of identity theft, including a police report and supporting documentation. Despite this, the disputed accounts remain on my credit report without proper validation or investigation, which is a clear violation of my rights under the FCRA.

I am demanding that you conduct a reasonable reinvestigation of the disputed items and delete any information that can not be verified as accurate and complete. If you continue to report this information without proper verification, it may constitute willful noncompliance under 15 U.S.C. 1681n.

Please provide written confirmation of your reinvestigation results, including copies of all documents and evidence used to verify the accuracy of the information.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 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: SC

Complaint narrative:
Having trouble repaying cant get a budget to fit my needs

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I am writing to formally express my concern regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle many times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed that recovering my lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: PA

Complaint narrative:
This complaint concerns inaccurate credit reporting by the U.S. Department of Education regarding my student loan. The account first became delinquent in XXXX and has remained in default ever since. Despite this, XXXX  now shows the account as if the delinquency occurred in XXXX, with an on record until date of XXXX. This reporting is inaccurate and violates FCRA 623 ( a ) ( 5 ), which requires furnishers to report the actual Date of First Delinquency ( DOFD ) that led to default and was never again brought current. A forbearance in XXXX did not erase the original delinquency or reset the XXXX reporting clock. Reporting the account as newly delinquent in XXXX constitutes illegal re-aging, which artificially extends how long the derogatory information remains on my credit report. I previously disputed this with the prior servicer ( XXXX ). Their response acknowledged assignment errors but did not provide documentation of any payments after XXXX that would justify resetting the DOFD. They failed to correct the record. I am requesting that the Department of Education correct the DOFD to XXXX and adjust the credit reporting accordingly so the account ages off by XXXX. If the furnisher can not provide documented proof that the account was ever brought current after XXXX, the tradeline should be deleted entirely as unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 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: PA

Complaint narrative:
This complaint concerns inaccurate credit reporting by the U.S. Department of Education regarding my student loan. The account first became delinquent in XXXX and has remained in default ever since. Despite this, XXXX  now shows the account as if the delinquency occurred in XXXX, with an on record until date of XXXX. This reporting is inaccurate and violates FCRA 623 ( a ) ( 5 ), which requires furnishers to report the actual Date of First Delinquency ( DOFD ) that led to default and was never again brought current. A forbearance in XXXX did not erase the original delinquency or reset the XXXX reporting clock. Reporting the account as newly delinquent in XXXX constitutes illegal re-aging, which artificially extends how long the derogatory information remains on my credit report. I previously disputed this with the prior servicer ( XXXX ). Their response acknowledged assignment errors but did not provide documentation of any payments after XXXX that would justify resetting the DOFD. They failed to correct the record. I am requesting that the Department of Education correct the DOFD to XXXX and adjust the credit reporting accordingly so the account ages off by XXXX. If the furnisher can not provide documented proof that the account was ever brought current after XXXX, the tradeline should be deleted entirely as unverifiable.

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 2025-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Chime Financial Inc
State: IL

Complaint narrative:
Company continued to take money out my account ach even when my card is locked its an unknown business

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: VA

Complaint narrative:
I am filing this complaint because this Consumer Reporting Agency LexisNexis Risk Solutions is furnishing or maintaining an inaccurate and unverifiable Bankruptcy Public Record on my consumer file. 

Timeline and Actions Taken : Date of Dispute : On XX/XX/year>, I sent a formal written dispute, via Certified Mail, to LexisNexis Risk Solutions at their official dispute address. 

Disputed Item : The dispute challenged the accuracy and verifiability of a Bankruptcy Public Record that is currently listed on my consumer report. 

FCRA Obligation : I notified the company that this record is inaccurate, incomplete, or belongs to another individual, and requested that they conduct a reasonable reinvestigation under the Fair Credit Reporting Act ( FCRA ). 

Issue : The company has failed to correct this inaccurate public record information and/or has not completed a proper and reasonable reinvestigation within the required timeframe after receiving my dispute letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc.
State: IN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NC

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPB findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established. 

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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