vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-17 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: TX

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 2025-08-17 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: KY

Complaint narrative:
PLEASE SEND CONSENT LETTER I WROTE TO GIVE PERMISSION TO FURNISH UNAUTHORIZED ACCTS ON MY CONSUMER REPORTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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: KY

Complaint narrative:
PLEASE SEND CONSENT LETTER I WROTE TO GIVE PERMISSION TO FURNISH UNAUTHORIZED ACCTS ON MY CONSUMER REPORTS

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 2025-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am submitting this complaint to the CFPB regarding violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by multiple debt collectors and debt buyers who are inaccurately and unlawfully reporting accounts on my credit reports. 

Despite sending formal disputes and debt validation requests, these entities have continued to : Report unverifiable debts, Fail to provide validation documentation, Ignore cease-and-desist notices, and Continue collection activity in violation of federal law. 

II. Disputed Debt Collector Accounts The following accounts continue to appear on my XXXX, XXXX, and XXXX  reports : XXXX XXXX XXXX Debt Buyer Account, Balance : {$2300.00} Status : Collection account, opened XX/XX/2022 LVNV Funding LLC ( multiple accounts ) Acct XXXX  XXXX Balance : {$1500.00} | Original Creditor : XXXX XXXX  Acct XXXX XXXXXXXX Balance : {$1400.00} | Original Creditor : XXXX XXXX XXXX XXXX 

Acct XXXX XXXXXXXX Balance : {$1100.00} | Original Creditor : XXXX XXXX XXXX XXXX 

Acct XXXX XXXXXXXX Balance : {$1000.00} | Original Creditor : XXXX XXXX XXXX XXXX 

XXXX XXXX ( Progressive Insurance ) Balance : {$740.00} Status : Collection account XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2500.00} Status : Collection account | Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$540.00} Status : Collection account | Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

Balance : {$260.00} Status : Collection account | Original Creditor : XXXX XXXX III. Basis of Complaint 1. FCRA Violations ( 15 U.S.C. 1681e, 1681i ) Failure of furnishers and credit reporting agencies to maintain maximum accuracy. 

Failure to conduct proper reinvestigations despite my disputes. 

Failure to provide results and corrected reports within statutory timelines.

Continued reporting of accounts marked as Consumer disputes this account without resolving the inaccuracies.

2. FDCPA Violations ( 15 U.S.C. 1692g, 1692c, 1692e ) Failure to provide debt validation within 30 days of dispute.

Continued collection activity ( including credit reporting ) without validation.

Ignoring cease-and-desist requests. Reporting and attempting to collect without producing a cha
in of title or proof of ownership of debt. Case law such as Green v. Portfolio Recovery Associates , LLC establishes that debt buyers must prove continuous chain of assignment, which has not been provided here.

3. Deceptive & Unfair Practices The continued reporting of unvalidated debts constitutes deceptive practices under the FTC Act ( 15 U.S.C. 45 ) and violates CFPB Regulation F ( validation notice and reporting requirements ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: TX

Complaint narrative:
I am disputing an account reported by XXXX XXXX XXXX that TransUnion continues to report despite it being deleted from XXXX  and never appearing on XXXX. This account is inaccurate and unverifiable. 

I previously requested validation from the furnisher ( XXXX XXXX ) and the documentation they provided does not prove ownership of my account. The " Bill of Sale '' and " Transfer and Assignment '' are generic and do not list my name or account number. No clear chain of title was provided, and no complete billing history was produced from account opening to charge-off. Without this, ownership of the alleged debt can not be verified. 

Under the Fair Credit Reporting Act ( FCRA ), TransUnion must ensure all information it reports is accurate and can be substantiated. Continuing to report this account after I disputed it, and without full validation, violates FCRA 611 ( 15 U.S.C. 1681i ).

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 2025-08-16 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: NC

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-08-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
The XXXX XXXX XXXX XXXX account for Santander Consumer USA is reported inaccurately. Payment history, balance, and account status are missing or unverifiable. I requested full verification under the FCRA, and if the information can not be verified, the account should be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Block, Inc.
State: MS

Complaint narrative:
I was locked out of my account for some odd reason I don't know. Around XX/XX/year> and I had around {$180.00} to XXXX on my cash app and I will love to get my refunds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: FL

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: Nelnet, Inc.
State: TX

Complaint narrative:
I have been consistently been trying to make a payment on XXXX ' to pay back my student loans, and every time I put in a payment, it does not process and now I am overdue and owe MORE than when I tried to make a payment. It is extremely unfair and I want the interest reversed to when I first started trying to make a payment. HELP!!!!!!!!!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: CA

Complaint narrative:
Edfinancial reported late payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX resulting in XXXX days of late payments, while I was granted a deferment, beginning XX/XX/XXXX and ending XX/XX/XXXX. ( Please see attached ). Please is now preventing me from closing on my home loan, XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I dont believe this information is accurate. I should not have a XXXX reported 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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Atlanticus Services Corporation
State: RI

Complaint narrative:
According to FCRA section,605B its illegal to report my information without my permission please remove

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: ROBINHOOD MARKETS INC.
State: NH

Complaint narrative:
I booked a flight on XXXX on XX/XX/year>. I have not received the XXXX  code for the flights, and therefore, contacted XXXX to ask what is going on. They told me to wait XXXX, as they escalated the issue - nothing, called again - told me to wait XXXX - again, nothing. Disputed the charge with RobinhoodXXXX XXXXXXXX XXXX XXXX the credit card that I have with them ). After two months, they closed the claim, although I provided all the information that the flight was never provided ( I messaged the airline several times, and the airline confirmed that there is no booking made, although more than three months passed ). RobinhoodXXXX XXXX XXXX  do not even have a phone number, and the only communication is via text. They did not even allow me to appeal the dispute claim! I sent all the information, and they still refused! I'm mentally drained, and the money was charged, but the service requested was not even provided! XXXX told me that the tickets were confirmed with the airline, however, the airline again confirmed that no tickets were made for the names indicated on the booking! This is fraud, and RobinhoodXXXX XXXX XXXX  did not do anything to protect me as a customer! I demand an action for all the companies included in this message!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: OneMain Finance Corporation
State: PA

Complaint narrative:
I only agreed to have my report pulled once and it was pulled a lot. I now have to many inquiries and its enabling me from moving forward with other things I need. Please remove inquiry thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have been on the phone with XXXX for the past 2 months to remove this remark. I have informed them Im no longer disputing. They remove it and then add on again the next day. When I call they tell me the collector is the one adding the remarks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: GA

Complaint narrative:
Experian is reporting an account that was fraudulently opened while I was incapacitated. I have provided documentation that this is a fraudulent account and that this account is now being prepared for litigation.

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 2025-08-16 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
To Whom It May Concern, I am demanding immediate action regarding XXXX disputed items on my credit report, with particular focus on the account reported by XXXX XXXX XXXX ( originally XXXX ). 

Let me be clear : * * this account is entirely fraudulent * *. Not only do I deny any association with this alleged debt, but the dates reported are also categorically false. I had a legitimate XXXX account that was * * paid in full in XXXX * * there was no activity in XXXX, and any claim to the contrary is both inaccurate and misleading. If this account is being reported based on that prior relationship, it is being done so * * dishonestly and in violation of federal law * *. 

The Barclays account in question is equally problematic. It includes * * fraudulent charges and incorrect dates * *. I explicitly requested * * verifiable proof * * that the information being reported is accurate and valid. To date, I have received * * no documentation, no supporting evidence, and no legitimate verification * * because such proof simply does not exist. 

Furthermore, the handling of my disputes has been unacceptable. They have repeatedly failed to respond within the * * XXXX period required by the Fair Credit Reporting Act ( FCRA ) * *. On multiple occasions, they claimed to have verified these accounts without providing * * any explanation or evidence * *, which constitutes * * a direct violation of my rights * * as a consumer. 

This is a formal demand for the * * immediate deletion * * of these inaccurate and unverified accounts from my credit report. If this matter is not resolved promptly and in full compliance with the FCRA, I will not hesitate to escalate this issue including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and considering legal action for damages resulting from the continued reporting of false information. 


Relevant Legal Citations ( FCRA ) FCRA 611 ( 15 U.S. Code 1681i ) Requires credit reporting agencies to investigate disputes within 30 days and delete unverifiable information.

FCRA 607 ( b ) ( 15 U.S. Code 1681e ( b ) ) Requires all information to be reported with maximum possible accuracy.

FCRA 623 ( 15 U.S. Code 1681s-2 ) Furnishers of information must not report data they know or have reason to believe is inaccurate.

FCRA 605 ( 15 U.S. Code 1681c ) Prohibits the re-aging of accounts and reporting of outdated negative information beyond legal limits.

FCRA 616 & 617 ( 15 U.S. Code 1681n & 1681o ) Allows for civil liability, legal fees, and punitive damages for willful or negligent noncompliance.

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 2025-08-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, at XXXX gas station # XXXX in XXXX, CA, my credit card was charged twice for the same purchase in the amount of {$45.00}. I only fueled once. Both transactions had the same station ID and timestamp within seconds. 

I filed a dispute with Bank of America. However, instead of properly reviewing the duplicate charges, the bank closed my case, stating that only one transaction occurred. XXXX confirmed in writing that they processed only one transaction and advised me to resolve the duplicate charge with my bank.

The problem is that the bank refuses to resolve my billing dispute and closed the claim without correcting the error. I am now left with an extra {$45.00} charge that I did not authorize. 

I am requesting CFPBs assistance to make Bank of America properly review this case and resolve the duplicate charge.

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 monetary relief
Consumer complaint received 2025-08-16 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: MN

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: TX

Complaint narrative:
The account with XXXX XXXX is reported as a Charge off and delinquent account when the account is open and current. I reached out to the company and was told the information was updated however it still reflects inaccurate information on my credit report.

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 2025-08-16 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: TX

Complaint narrative:
The account with XXXX XXXX is reported as a Charge off and delinquent account when the account is open and current. I reached out to the company and was told the information was updated however it still reflects inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: TX

Complaint narrative:
The account with XXXX XXXX is reported as a Charge off and delinquent account when the account is open and current. I reached out to the company and was told the information was updated however it still reflects inaccurate information on my credit report.

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