vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
Dear Sir/Madam, I am filing this complaint against XXXX XXXX XXXX  and Rent recovery solutions regarding a {$410.00} move-out charge that was sent to collections without prior notice, which has negatively impacted my credit report. 
Details of the Complaint : I was a tenant at XXXX XXXX XXXX, and my lease ended in XX/XX/XXXX. 
At the time of my move-out, I had no rent or other fees outstanding. 
I received no phone call, email, letter, or invoice from XXXX XXXX XXXX  about any move-out charges. 
In XX/XX/XXXX, over a year later, I received a phone call from a collection agency ( Rent Recovery Solution ) stating I owed {$400.00} in move-out fees. 
I paid the {$410.00} immediately upon receiving the collection call. 
Despite this, a collection account was placed on my credit report, damaging my credit standing. 
My Concerns : I was never notified of this fee prior to it being sent to collections, which violates fair notice practices. 
I was not given a chance to dispute or settle the charge directly with the apartment management. 
The collection was paid immediately, yet it is still reported on my credit report, unfairly affecting my financial reputation. 
I believe this situation may constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ) and possibly the Fair Credit Reporting Act ( FCRA ) due to the lack of proper notice and failure to give me an opportunity to resolve the issue before impacting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-07-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: PA

Complaint narrative:
Payments were made in the amount of {$6000.00} as a bank to bank transfer. Unfortunately, the student loan account # was not on those payments so they did not post them to our account. We called hundreds of times and provided a XXXX page document from our bank with all the tracking numbers and proof of payments and XXXX year later they still refuse to post them to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: NV

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
On XX/XX/XXXX, XXXX or also known as Transworld Systems Inc reached out to me regarding a debt. The original conversation on that date : TSI informed me of the debt inquired if i was able to make a payment i advised i was not able to make a payment towards the debt they asked when would i be able to make a payment advised i was not sure due to my financials at the time and being in school. I then advised the individual that i would like to not receive contact over the phone the individual went silent and disconnected the call. On XX/XX/XXXX, the same individual called back with the same line of questions. I then inquired when was the last time i spoke with him and if he recalls the conversation held that date. He then became combative advised they are calling because the balance is over 7 days late i advised him not an issue but i told them on XX/XX/XXXX that i wish to not receive contact over the phone. He then said he didnt note that. I reintegrated the call held on the XXXX and that he isnt suppose to call to collect after requested not to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I am filing this complaint regarding the handling of my Home Equity Line of Credit ( HELOC ) by Shellpoint Mortgage Servicing. 

I closed on my HELOC on XX/XX/year>, and immediately attempted to repay {$150000.00} to avoid incurring unnecessary interest on funds I did not need. However, Shellpoint took 10 days to create my online account, during which time I was unable to make any payments. Despite making multiple phone calls during this time, I was told I had to wait until the account setup process was completed. 

As a result of this delay, I was charged interest I had actively tried to avoid. I consider this a failure in customer service and account management, which caused me financial harm through no fault of my own. 

In addition, I am unable to obtain an itemized statement. The only documentation I receive is the monthly payment amount, with no breakdown or explanation of how that figure was calculated. The amount is much higher than my calculation.This lack of transparency is unacceptable and raises serious concerns about the accuracy of the billing.

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 2025-07-16 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: NY

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-16 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: MO

Complaint narrative:
I have recently reviewed a copy of my credit report and noticed I have a fraudulent account on my report. Please remove this account from my report, it is hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: FL

Complaint narrative:
I have been a victim of identity theft. My personal information was used without my authorization to open completely fraudulent accounts. This situation has caused me immense emotional XXXX  and put my financial well-being at risk. I urgently request that the following fraudulent accounts and inquiries be blocked and deleted immediately, as they do not belong to me and are severely damaging my personal and credit history : XXXX - XXXX  - Date Opened : XX/XX/XXXX XXXX  XXXX - Installment - Date Opened : XX/XX/XXXX XXXX XXXX  - Collection - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX - Collection - Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX  - Collection - Date Opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion immediately block and permanently remove multiple fraudulent accountsXXXX XXXX opened on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXor {$520.00}, XXXX opened on XX/XX/XXXX under account number XXXX XXXX  for {$8500.00}, and XXXX opened on XX/XX/XXXX under account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for $ XXXXXXXXthat were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report # XXXX and # XXXX along with supporting documentation, including proof that my personal data was compromised in the Equifax data breach. 

I am filing this FTC Identity Theft Affidavit to report XXXX ( XXXX ) fraudulent accounts appearing on my consumer FICO TransUnion credit report which I do not recognize and which are the result of identity theft and fraud. These fraudulent collection accounts were opened at XXXX XXXX on XX/XX/XXXX under account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$520.00}, at XXXX on XX/XX/XXXX under account number XXXX XXXX for {$8500.00}, and at XXXX on XX/XX/XXXX under account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$16000.00}. These accounts were created without my knowledge or authorization and have resulted in multiple fraudulent hard inquiries and damaging collections on my credit file. I demand that these fraudulent items be removed from each of my consumer credit reports and that all related collection activity cease immediately, as provided under the FCRA and FDCPA. 

It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within XXXX ( XXXX ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.

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 2025-07-16 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: FL

Complaint narrative:
I am filing this complaint to dispute an inaccurate and unauthorized collection account reported by XXXX XXXX XXXX ( XXXX ) on my credit reports with Experian, Equifax, and TransUnion. 

Account Details : Collection Agency : XXXX XXXX XXXX XXXX : {$1800.00} Account Number : XXXX Nature of Dispute : No knowledge of debt / No contractual relationship / No prior notice Basis of Dispute : I have no contractual relationship with XXXX XXXX XXXX and have never been notified of this alleged debt by them. I only discovered this collection account after reviewing my credit reports. This tradeline was placed on my reports without my knowledge, consent, or verification, which is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires data furnishers and credit reporting agencies to maintain maximum possible accuracy.

Further, under FCRA 611 ( 15 U.S.C. 1681i ), I am exercising my right to dispute the accuracy of this item. I have also submitted a direct dispute to XXXX XXXX XXXX under FDCPA 809 ( 15 U.S.C. 1692g ) requesting proper validation and documentation of this alleged debt, including proof of assignment, account history, and a signed agreement bearing my name. To date, no such documentation has been provided. 

The continued reporting of this unverified and potentially fraudulent account is damaging my credit profile and may cause financial harm. I am formally requesting that all three credit bureaus Experian, Equifax, and TransUnion immediately : Initiate a reinvestigation under FCRA 1681i ; Require the furnisher ( XXXX XXXX XXXX ) to provide full documentation of the alleged debt ; Permanently delete the account from my credit reports if validation can not be provided within the statutory period. 

If the account is not promptly deleted or corrected, I will pursue all legal remedies available under the FCRA and other applicable consumer protection laws.

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 2025-07-16 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: NC

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$250.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$640.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$53.00}

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 2025-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-07-16 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: EQUIFAX, INC.
State: MD

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this formal complaint against the credit reporting agencies for failing to ensure accurate, complete, and verifiable reporting of my personal credit file. I have identified multiple inaccurate data entries, including a wrong address, incorrect late payment notations on accounts, and unauthorized or unverified hard inquiries, all of which violate my rights under the Fair Credit Reporting Act ( FCRA ), particularly Sections 602 ( A ), 604, 605, 607 ( B ), and 611. I have tried to resolve these issues directly with the credit bureaus without success, and I am requesting the Consumer Financial Protection Bureau ( CFPB ) to investigate and compel the credit bureaus and furnishers to correct or delete the inaccurate data. 
XXXX XX/XX/2024 - Inquiry Issue : Duplicate and unauthorized inquiry Law : FCRA 604 ( a ) ( 3 ) Story : This appears to be a duplicate or fraudulent inquiry, as I did not submit any credit application on this date. Please delete immediately. 
I am requesting a full investigation by the CFPB into the inaccuracies listed above. I demand that the credit reporting agencies either provide verified documentation supporting these accounts, inquiries, and address as accurate or delete them completely from my credit file. If no proof is provided within the required time period as per FCRA Section 611 ( a ) ( 1 ) ( A ), I expect immediate deletion. These errors have caused me serious financial and emotional distress. I request that the CFPB hold the responsible data furnishers and credit bureaus accountable and ensure these violations are corrected without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future 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 2025-07-16 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: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX XXXX  Date : XXXX XXXX XXXX  Date : XXXX XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX  Date : XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX XXXX  Date : XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX Date : 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 2025-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation