vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-13 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Re : Final Notice Before Legal Action Failure to Remove Inaccurate & Unverified Accounts To Whom It May Concern, This letter is a final demand for the deletion of inaccurate and unverified information appearing on my credit report. I have formally disputed the following accounts with TransUnion beginning in XX/XX/XXXX, and again in XXXX and XXXX, yet they continue to be verified without proof : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX Despite my procedural request for verification and my repeated good-faith efforts, TransUnion has not provided any documentation from the original creditors confirming the validity of these accounts. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S. Code 1681i Failure to reasonably reinvestigate disputed information 1681e ( b ) Failure to maintain maximum possible accuracy 1681s-2 ( b ) Reporting information known to be inaccurate Furthermore, I have filed a complaint with the Consumer Financial Protection Bureau XXXX CFPB ) documenting these failures. 

You are hereby given 10 days from the date of this letter to delete these accounts from my credit report and confirm removal in writing. If you fail to comply, I will move forward with legal action to pursue all available remedies including statutory and punitive damages. 

Please consider this your final opportunity to resolve this matter without litigation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga 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 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCB Management Services Inc.
State: OK

Complaint narrative:
XXXX of the accounts are paid, and the other accounts is not mine, Both accounts show the same account number, and different dates in which the account was opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: NV

Complaint narrative:
My private information was shared Under these circumstances, I request the immediate cancellation and discharge of my student loan debt in full, as my rights have been severely violated. Below are the key reasons for my request : Violation of the Family Educational Rights and Privacy Act ( FERPA ) : My student records were disclosed without my consent, violating FERPA 's strict confidentiality protections. 
Breach of the 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 2025-04-13 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: GA

Complaint narrative:
I previously reviewed my credit report and noticed that your company is reporting a debt under the above-referenced account number. I do not recognize this debt and am formally disputing its validity under the Fair Debt Collection Practices Act ( FDCPA ) and Regulation F ( 12 CFR Part 1006 ). Additionally, I am requesting full validation of the debt under my rights provided by the Fair Credit Reporting Act ( FCRA ). 
Debt Validation Request Under Regulation F & FCRA To comply with federal regulations, I request that you provide : 1. Creditor Information : The name and address of both the original creditor and the current creditor who owns the debt. 
2. Debt Verification : o A breakdown of the debt amount, including principal, interest, fees, and other charges as required under 12 CFR 1006.34 ( c ). 
o Proof of a valid contract or agreement establishing the alleged debt and my obligation to pay it. 
3. Itemization Date : Provide the specific reference date you used in your itemization ( such as the last statement date, charge-off date, or last payment date ). 
4. Assignment Records : Copies of all assignments or transfers demonstrating the chain of ownership of this debt from the original creditor to your agency. 
5. Proof of Permissible Purpose : o Documentation explaining the permissible purpose under which you accessed and reported this debt to the credit bureaus, per 15 U.S.C. 1681b ( Fair Credit Reporting Act ). 
6. Cease Collection Until Validation Is Provided : If you can not provide proper validation, I request that you immediately cease all collection activities and remove this account from my credit report. 
7. Credit Reporting Requirements : o If this alleged debt is reported to the credit bureaus, I request that it be marked as disputed by consumer per 15 U.S.C. 1681s-2 ( a ) ( 3 ). 
o If this debt can not be validated, I demand that it be deleted from my credit reporto I request confirmation that no negative information will be furnished to the credit bureaus during the validation process, per Regulation F guidance. 
8. Notification to Future Collectors : If you transfer or sell this account to another agency, they must also be informed of my dispute per 12 CFR 1006.30 ( d ) ( 1 ). 
Next Steps Please provide a written response to this request within the legally required timeframe. If you can not validate this debt, I expect you to promptly remove it from my credit report and cease all collection efforts. 
Additionally, I do not consent to any form of contact via email, phone, or text message. I request that all communications be conducted strictly via mail. 
Thank you for your immediate attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: MOHELA
State: KY

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
XXXX XXXX repossessed the car and didn't account for proceeds of sale and still wants to collect the entire balance of original sale price.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX  NEEDS TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY BECAUSE IT'S FRAUDULENT INFORMATION AND IT'S INACCURATE AND IT'S VIOLATING MY CONSUMER RIGHTS I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to 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 2025-04-13 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 hoping you can help resolve this issue. I have spoken to several individuals at XXXX and no one can seem to make sense of my issue so they directed me to this email address. My name is XXXX XXXX ( previously XXXX ). I co-signed for XXXX XXXX XXXX for my XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX ), XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Upon the date of repayment for these loans after the govt extensions, my children were set up with their payment plans. I spoke with XXXX several times in regards to these loans and XXXXXXXX XXXX  were sent to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We had all the loans broken out appropriately. Several months later my credit was hit with late notices on the loans that my kids are currently pay on. I again reached out to XXXX and they claimed it would be handled and corrected. I assumed it was corrected, but in XXXX my credit took another huge hit for late payments on the same loans. I reached out to XXXX and was told my loans were sold to XXXX and I would have to contact XXXX. I have attached my loan information from Student aid. gov and XXXX as well as all the loans XXXX XXXX XXXX  are paying on. 
I dont know what else to do at this point besides reach out to my state rep and hire an attorney. 
If you could shed any light on this it would be greatly appreciated. 

I have compared my loans to my kids loans and they are definitely paying on loans that are showing as unpaid on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am hoping you can help resolve this issue. I have spoken to several individuals at XXXX and no one can seem to make sense of my issue so they directed me to this email address. My name is XXXX XXXX ( previously XXXX ). I co-signed for several student loans for my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ). Upon the date of repayment for these loans after the govt extensions, my children were set up with their payment plans. I spoke with XXXX several times in regards to these loans and XXXX loans were sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We had all the loans broken out appropriately. Several months later my credit was hit with late notices on the loans that my kids are currently pay on. I again reached out to XXXX and they claimed it would be handled and corrected. I assumed it was corrected, but in XXXX my credit took another huge hit for late payments on the same loans. I reached out to XXXX and was told my loans were sold to XXXX and I would have to contact XXXX. I have attached my loan information from Student aid. gov and CRI as well as all the loans XXXX and XXXX are paying on. 
I dont know what else to do at this point besides reach out to my state rep and hire an attorney. 
If you could shed any light on this it would be greatly appreciated. 

I have compared my loans to my kids loans and they are definitely paying on loans that are showing as unpaid on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to formally dispute the presence of unauthorized late payments and inquiries on my credit report. The following accounts and entries have been inaccurately reported, and I am requesting their immediate investigation and removal in accordance with the Fair Credit Reporting Act ( FCRA ) and CDIA Metro 2 reporting guidelines. 

Disputed Items Fraudulent Account # 1 Creditor : XXXX XXXX XXXX Account Number : XXXX Date Fraud Commenced : XX/XX/XXXX Date Discovered : XX/XX/XXXX Fraudulent Amount : {$76000.00} Fraudulent Account # XXXX Creditor : XXXX Account Number : XXXX Date Fraud Commenced : XX/XX/XXXX Date Discovered : XX/XX/XXXX Fraudulent Amount : {$720.00}

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 2025-04-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
TRANSUNION HAS VIOLATTED FCRA AND FACTA. 
MY NAME : XXXX XXXX XXXX. I AM A VICTIM OF IDENTITY THEFT AND FRAUD. 
ATTACHED IS MY XXXX POLICE DEPT. IDENTITY THEFT REPORT AND FTC IDENTITY THEFT REPORT. 
NONE OF THESE ACCOUNTS ARE MINE ON TRANSUNION. 
BLOCK IMMEDIATELY. 
FTC LETTER ATTACHED.

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 2025-04-13 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing a formal complaint against Truist Bank ( XXXX XXXX XXXX XXXX ) for repeatedly pulling my credit report without my authorization or a permissible purpose in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( f ). 
Upon reviewing my credit reports, I discovered that XXXX XXXX XXXX  has accessed my credit file approximately XXXX ( XXXX ) times between XXXX and XXXX under the names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I never applied for credit with XXXX XXXX XXXX never established a relationship with them, and never authorized these inquiries. I have also never received any written notice or explanation of these credit pulls. Therefore, there is no permissible purpose for XXXX XXXX XXXX to have accessed my credit file, and each inquiry appears to be unauthorized. 
I sent a formal notice to XXXX XXXX XXXX  and their registered agent in Florida demanding deletion of these entries and a full explanation. As of the date of this complaint, I have received no resolution or adequate response.

I am requesting the CFPB to investigate and enforce the following : Immediate deletion of all 30 unauthorized inquiries from my credit file ; Full itemized explanation of each inquiry ; Enforcement of statutory penalties under FCRA ; Coordination with the credit reporting agencies to ensure these are permanently removed ; Support for restitution of {$30000.00} in statutory damages ( {$1000.00} per violation ) under 15 U.S.C. 1681n for willful violations.

These repeated, unauthorized inquiries have harmed my credit profile and exposed me to additional risk. XXXX XXXX XXXX must be held accountable.

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 2025-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Global Lending Services LLC
State: FL

Complaint narrative:
Subject : Concern Regarding Loan Extension Terms and Deceptive Practices Hello all, I am writing to formally express my concern regarding the handling and communication of the terms related to my loan extension during the COVID-19 pandemic.

At the time, I was advised by a representative that I could defer my past due payments and have them added to the end of my loan term. I was explicitly told that I would only need to continue making my regular payments with interest until the deferred balance was fully paid. However, I was recently informed that over {$4000.00} is now due at the end of my loan term. This information was never disclosed to me during our discussions. 

This lack of transparency has placed an unexpected financial burden on me and appears to be a clear case of deceptive communication. I believe this misrepresentation was intentional and carried out with assistance from the representatives. 

I am requesting a full review of my loan and the communications I received. I also ask that you provide request recordings of conversations and terms I was given during my initial extension discussions. 

I look forward to your prompt response and resolution of this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: TN

Complaint narrative:
FEMA deposit they reported it as fraud when it wasnt so Ive been waiting on my check to come in the mail. I called and checked up on it and they still didnt send it out after I got email confirmation it was sent out I called to check in and it wasnt sent out still.

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 2025-04-13 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: IN

Complaint narrative:
I'm a victim of Identity Theft, got an FTC affidavit notarized that had listed all of the fraudulent accounts, along with my identifying documents, mailed it off certified mail to Experian, they received it on XX/XX/XXXX, initially all of the fraudulent accounts were removed around the 30 day point with the completed results not being available online, then while fixing up the personal information, one of the fraudulent student loan accounts was then readded to the credit report, to create an inaccuracy on the credit report that they refuse to now remove

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 2025-04-14 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I am filing this complaint against XXXX ( XXXX XXXX XXXX Citibank XXXX regarding account # XXXX for inaccurate and harmful reporting. Although the account is marked as 'Current / Terms Met ' and 'In Good Standing, ' it falsely reports '0 % of payments made on time ' and two 30-day late paymentsone in XX/XX/XXXX and one in XX/XX/XXXX. This is contradictory, misleading, and materially false. Additionally, the report lists 'Worst Payment Status : Unknown, ' which is both inaccurate and noncompliant with federal law. I formally disputed the account in XX/XX/XXXX, and it remained unchanged despite obvious errors. 
TILA Challenge and 21-Day Notice Requirement Under the Truth in Lending Act ( TILA ), Section 1637 ( b ), a creditor must provide a periodic billing statement that is clear and mailed or delivered at least 21 days before the payment due date. If such a statement is not properly delivered, a reported late payment may be invalid and unlawful. Despite disputing the XX/XX/XXXX and XX/XX/XXXX late payments, they were verified without any evidence or disclosure of compliance with this requirement. I was never shown proof that Citibank/THD mailed or delivered these billing statements 21 days in advance. Therefore, I am demanding that these late payments be immediately deleted under TILA 1637 ( b ) and FCRA compliance, as they are unsupported and harmful.

Violations of Law 1. FCRA 1681e ( b ) Inaccurate and contradictory reporting : '0 % on-time ' despite the account being listed as current.

2. FCRA 1681s-2 ( a ) False payment history and worst status representation.

3. FCRA 1681i ( a ) ( 5 ) Failure to correct or delete inaccurate information after reinvestigation.

4. FCRA 605B Failure to block false data after receiving sworn affidavit and supporting documentation.

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 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Radius Global Solutions LLC
State: OK

Complaint narrative:
Disputed on XXXX XXXX {$640.00}, no action was taken by company.

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 2025-04-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
The Lessor has added {$9800.00} to an already paid lease fulfilling 39 payments as contracted. No new contract was initiated nor signed with Lessor. I am requesting for the Lessor to provide signed agreement for the {$9800.00} additional amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
To whom it may concern, I am writing to express my concerns regarding Equifaxs investigation into my disputes of inaccurate information on my credit report, which I believe has not been conducted fairly or in compliance with my rights under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that consumer reporting agencies, such as Equifax, conduct reasonable and thorough investigations into disputed information to ensure accuracy. I am requesting a proper investigation into the inaccuracies I have previously reported, as mandated by federal law. 

The persistent presence of incorrect information on my credit report is causing me significant stress and negatively impacting my well-being. I note that the Consumer Financial Protection Bureau recently took legal action against Experian for failing to properly investigate disputes and adhere to Metro 2 compliance regulations. Such inadequate investigations undermine consumer trust and violate legal standards. I urge Equifax to avoid similar sham investigations and to review my disputes with the diligence required under the FCRA.

Company response to consumer: Closed with explanation