vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This account with XXXX XXXX XXXX for XXXX was settled, but I no longer have the payment documentation. 
The collection continues to report as unpaid, which is inaccurate. 
I am requesting that the credit bureaus and the furnisher verify this information. 
If they can not provide documentation proving it remains unpaid, the item should be deleted under FCRA Section 611.

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 2025-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I went to Bank Of Ameirca at XXXX today XX/XX/year> and tried to close my XXXX XXXX XXXX XXXX account at Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX and spoke with Assoc : XXXX she would not provide a name and she refused to close the account. I asked a banker, who is a XXXX, at this location to close the account and she refused to close the 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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 XXXX years. 

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.

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 2025-10-16 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Demand for Permanent Deletion Fourth Investigation Account Name : First Premier Bank Account Number : XXXX ( ending XXXXXXXX XXXX XXXX XXXX XXXX  ) To Whom It May Concern : This letter serves as my fourth formal dispute and demand for deletion of the above-referenced account from my TransUnion credit file. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), 1681i, and 1681i ( a ) ( 5 ), I am demanding that TransUnion immediately delete this account because the information furnished by XXXX XXXX XXXX remains inaccurate, incomplete, and unverifiable after multiple investigations. 

Your files continue to report the following conflicting data : Opening Dates : XX/XX/XXXX ( TransUnion ) vs. XX/XX/XXXX ( XXXX ) Credit Limit and High Credit : inconsistent ( {$500.00} vs. {$1400.00} vs. {$0.00} ) High Credit showing {$0.00} under XXXX, which is factually impossible for a revolving account that was charged off. 
Reported Status : Collection/Charge-off, yet account still coded as Revolving / Individual with $ 0 monthly payment a data contradiction. 

Repeatedly verifying an account with such discrepancies violates your statutory obligation to ensure maximum possible accuracy under 1681e ( b ). Additionally, under 1681i ( a ) ( 5 ) ( A ), if an item can not be verified, it must be deleted not updated. 

I demand the following actions : XXXX. Permanent deletion of this XXXX XXXX XXXX  account from my credit file. 
XXXX. Written confirmation of deletion within the FCRAs statutory timeframe. 
XXXX. Notification to all other CRAs and furnishers of the correction or deletion, as required by 1681i ( a ) ( 5 ) ( D ). 
XXXX. Provision of a free updated credit report reflecting the removal, per 1681i ( a ) ( 6 ) ( B ) ( ii ). 

Failure to comply constitutes willful noncompliance under 1681n and 1681o and will result in a formal CFPB and FTC complaint attached with this letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: CA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX 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 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 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 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 2025-10-16 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 XXXX years. 

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.

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 2025-10-16 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: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 XXXX years. 

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Servicer under contract with Federal Student Aid
State: LA

Complaint narrative:
I recently learned of a legal settlement in a suit filed by CFPB against XXXX. I was never notified by any party of this settlement and believe I am entitled to relief. From XXXX through XXXX, XXXXXXXX XXXXNavient repeatedly applied monthly payments I made to interest and late fees with NONE of it applied to the principal. Payments were late by two weeks but made each month. This was not made known to me for during most of this time. When I was finally informed, I requested that the payment date be changed so payments could be made on time, but they refused. 

I have two consolidated loans, now serviced by XXXX. After making payments for 25 years, I have paid {$360000.00} in total. Of that, {$270000.00} has been paid in interest, {$9100.00} in penalties, and only {$82000.00} has been applied to principle. 

This is as bad as owing a loan shark! Please tell me that I am entitle to relief as part of the above settlement.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was notified by my employer that my wages were going to be garnished and I then called lobel financial in regards to when they had me served, they stated they served me in XXXX of XXXX at an address I hadn't lived at for over XXXX years. I let them know this and could prove this but they stated that they got the judgment and there was nothing that could or would be done about it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: MOHELA
State: DE

Complaint narrative:
I recently received a letter from XXXX  about a data breach therefore I am trying again to have my student loan and collections removed.

Company response to consumer: In progress
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I did not give this company permission to securitize this debt.

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 2025-10-16 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: AZ

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-16 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: MT

Complaint narrative:
I am submitting this complaint against Credit Control , LLC for failure to provide validation of an alleged debt after receiving my written request under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ).

The validation request was mailed via USPS Certified Mail on XX/XX/year>, and delivered on XX/XX/year> at their XXXX XXXX, MO office ( USPS Tracking # XXXX ). 
As of XX/XX/year>, no validation or supporting documentation has been received.

Despite non-compliance with the FDCPA, this collector continues to report this account to XXXX, XXXX, and XXXX  as an open and past-due collection for {$1500.00}, which directly violates : FDCPA 809 ( b ) failure to cease collection activity until debt is verified, FCRA 623 ( a ) ( 1 ) ( A ) furnishing information known or believed to be inaccurate, and FCRA 611 ( a ) ( 5 ) ( A ) failure to delete unverifiable data after notice of dispute.

This continued reporting is unlawful, misleading, and harmful to my consumer credit profile.

Requested Resolution : I respectfully request that the CFPB compel Credit Control , LLC to : 1. Immediately delete all tradelines related to this account from XXXX, XXXX, and XXXX.

2. Cease all collection activity on the unverified debt.

3. Provide written confirmation of full deletion within 15 days of notice.

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 2025-10-16 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Loan opened without my consent or knowledge
Company: EdFinancial Services
State: CA

Complaint narrative:
In XX/XX/year>, I was notified by my credit card company that my credit score had dropped by over XXXX points. Upon further investigation, I discovered that the cause was ED Financial. Through my own research, I learned that an individual had fraudulently used my stolen Social Security numberlikely obtained through another companys data breachto take out approximately {$10000.00} in student loans in my name. No government-issued identification was required or verified during this process, which allowed the individual to obtain the loans without my knowledge or consent. No payments have been made on these loans, and as a result, my credit score has been severely impacted, with the risk of being sent to collections. It has been verified that these loans were issued for attendance at XXXX XXXX XXXX in XXXX XXXX, an institution that has been linked to numerous fraudulent ghost student loan cases. I have reported this identity theft to ED Financial, XXXX XXXX XXXX, the Social Security Administration, the U.S. Department of Educations Office of Federal Student Aid, and the Internet Crime Complaint Center ( IC3 ). I have also filed a police report and placed security freezes with all three major credit bureaus. Despite these efforts, the fraudulent claims remain unresolved. The email address, physical address, and phone number attached to the fraudulent student loans were not mine. I provided documentation proving this with ID government verification and electric bills

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: TX

Complaint narrative:
b'Dear CFPB\n\nI hope this message finds you well. \n\nI am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act (FCRA). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law.\n\nAs per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C.  1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C.  1681, Section 604(a)(2) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question.\n\nIn light of these regulations, I must highlight that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information.\n\nI kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward.\n\nThank you for your attention to this matter. I look forward to your prompt response.\n\nSincerely,  \nXXXX XXXX \nXXXX  \nXXXX XXXX XXXX XXXX\nXXXX XXXX XXXX  \nXXXX

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 2025-10-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Kriya Capital, LLC
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Email : XXXX Date : XX/XX/year> Credence Resource Management , LLC XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Cease and Desist for Account Number XXXX To Whom It May Concern, This letter is being sent to you in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692c ( c ). 
I am formally requesting that you cease and desist all communication with me regarding the above-referenced account. I do not wish to be contacted by phone, email, text message, or mail regarding this matter. 
If you believe this debt is valid, you are required under the FDCPA to cease communication unless : You are informing me that further collection efforts are being terminated ; You are notifying me of specific remedies that may be invoked ; You are notifying me that you intend to invoke a specific remedy. 
Please be advised that if you continue to contact me after receiving this letter, you will be in violation of federal law, and I will not hesitate to report your company to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
I request that all future correspondence, if any, be conducted in writing only and sent to the address listed above. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief