vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: KS

Complaint narrative:
XX/XX/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 XXXXXX/XX/XXXX - called the loan department who never recognizes my information XX/XX/XXXX is when all loans were brought to current. The previous balances were paid off XX/XX/XXXX all monthly payments for each loan in the total amount of XXXX was arranged on auto pay XX/XX/XXXX the only e-mail I received stating my request to remove the missed payments were denied In between XX/XX/XXXX and XX/XX/XXXX I made the payments, updated my contact information, and submitted the disputes On XX/XX/XXXX my dispute was resolved by the XXXX On XX/XX/XXXX it was removed without notice There is no current amount due for any of the loans The loans were grouped together XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - monthly payment is XXXX Group XXXX - monthly payment is XXXX Total autopay debit is XXXX All payments were made current and set up on auto pay between XXXX and XXXX in addition to the dispute being made. 

All account information shows there is no previous balance due, no current payment due, and the next debit is XX/XX/XXXX You can see this from the links labeled XXXX XXXXXXXX, XXXX In addition, they never called to inform me the dispute status is not going to remain, for whatever reason. I was not contacted about a balance increase or asked to make any additional payments. They just changed it from resolved to disagree.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: MI

Complaint narrative:
I received a copy of my credit report and contacted each company in regards to the information they had but none was accurate to me.

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 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I received a copy of my credit report and contacted each company in regards to the information they had but none was accurate to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: CA

Complaint narrative:
The following debt MUST be removed as per federal law since it is related to the Consumer Financial Protection Bureau ( CFPB ), Regulation V, XXXX XXXX XXXX : XXXX account with account number ending in XXXX XXXX  on my credit report. 
XXXXXXXX XXXX account reporting under collections Because the reporting of these account violates the provisions of XXXX XXXX XXXX, I demand that Equifax immediately remove the XXXX account [ Account Ending in XXXX XXXX  ] and [ XXXX XXXX collections account ] from my credit report. 

I insist on written confirmation of this removal within XXXX ( XXXX ) days of receipt of this letter. 

I am prepared to take further action to protect my rights, including filing complaints with relevant regulatory agencies and pursuing legal remedies, if necessary. 

Thank you for your prompt attention to this critical matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: DE

Complaint narrative:
You are reporting this collection as an open account which is not under FCRA compliance. This is inaccurate reporting and it needs to be removed immediately. Please send me a copy of my credit report when below collection is deleted and has been removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SOFI TECHNOLOGIES, INC.
State: CO

Complaint narrative:
I am writing to formally submit a complaint regarding my SoFi personal loan, which was originated on XX/XX/year>, for the amount of {$10000.00}. This loan was intended for a balance transfer to XXXX to consolidate existing debt. However, to date, the funds have never been properly transferred or made available to me, despite repeated efforts to resolve the matter. 

Here is a summary of the events : The balance transfer to XXXX never reached my XXXX account. 

After numerous calls with both XXXX and SoFi, XXXX informed me they found the check from SoFi in their general funds and returned it to SoFi.

Despite receiving the returned check, SoFi failed to return the funds to my bank account or notify me. Instead, the funds remained in SoFis general account without my knowledge.

After further calls and escalation, SoFi located the funds linked to the original check number. I was assured that the money would be deposited into my personal bank account. 

Instead of depositing the funds into my bank account, SoFi applied the funds to close out the loan account.

I contacted SoFi again and was assured the account would be reopened and that my most recent loan payment would be refunded. Neither of these actions occurred. 

I requested a refund for all interest charged since XX/XX/year>, as I have never had access to the loan funds. Another complaint was opened on my behalf, but I have yet to receive a resolution or any communication. 

This experience has been extremely frustrating and disappointing. I have spent more than XXXX hours on the phone with SoFi customer service and supervisors, consistently receiving assurances that the issue was resolved or would be corrected yet the issue remains unresolved nearly XXXX months later. 

This experience has been extremely frustrating and disappointing. I have spent more than XXXX hours on the phone with SoFi customer service and supervisors, consistently receiving assurances that the issue was resolved or would be corrected yet the issue remains unresolved nearly XXXX months later.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
Cease and Desist Dear I C SYSTEM, ( ACCT. # XXXX ) This notice is Pursuant to 15 U.S. Code 1692 ( c ) I am telling your company that I refuse to pay this alleged debt and that you cease communication regarding this debt through all mediums. Mediums would be phone, email, consumer 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
Consumer complaint received 2025-04-26 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: OR

Complaint narrative:
upon checking my report with Experian, there is still an account appearing on my credit report that has been verified as unauthorized ( fraudulent ). Ive sent FTC & police reports to the company in which they deemed it verified as unauthorized. 
Account Name : XXXX XXXX XXXX Account # : XXXX 2 out of 3 credit reporting agencies have already removed the account from my reports. Experian is the only credit reporting agency that has not only violated my rights as a federally protected consumer, but continues to inaccurately report this fraudulent account. This account needs to be removed immediately. Otherwise im forced to take legal action. Ill attach below the email confirmation from XXXX themselves confirming the accounts should be removed from all 3 reporting agencies.

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 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
In my independent study of my consumer rights under federal law, I have discovered that consumers have a right to dispute information furnished to credit reporting agencies, and that upon receipt of a dispute, furnishers must investigate and cease reporting inaccurate or unverifiable information pursuant to 15 U.S.C. 1681s-2 ( a ) and 1681s-2 ( b ). In good faith, I exercised my right to dispute the alleged debt with GM Financial by way of multiple certified letters, requesting validation and investigation. Despite being on notice of an active dispute, GM Financial continued to furnish derogatory information to the consumer reporting agencies without completing a lawful reinvestigation, without proper disclosure, and without validating the debt. 

On about XX/XX/year>, I sent a formal written dispute to GM Financial via certified mail, challenging the validity of the alleged account. My letters specifically requested the original wet-ink signed contract, a full ledger of the alleged account, and proof of legal authority to collect. Did the company respond? Yes, however, the response was inadequate.GM Financial responded by sending a " Non-Authoritative Copy '' of the alleged contract, which was clearly marked as not the original. They failed to provide a fully executed authoritative copy of the contract, the full payment ledger, or proof that they are the legal holder-in-due-course of the alleged obligation. 

Additionally, while the account was in active dispute, I received further adverse updates to my credit file relating to this account, including late payments, status changes to dispute resolved by data furnisher, and a premature charge-off without resolving the underlying dispute. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and 1681i, requiring accurate reporting and proper reinvestigation during disputes. This raises concerns of willful or negligent noncompliance under 15 U.S.C. 1681n and 1681o.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX XXXX regarding their improper handling of my dispute and their ongoing unlawful reporting of an account to the credit reporting agencies. 

I disputed an alleged debt with XXXX XXXX and formally requested validation on multiple occasions, including my most recent data validation. XXXX XXXX responded to my latest request by refusing to provide validation, claiming they " already provided it three times '' in the past ( XXXX, XXXX, and XXXX ). They also stated that because the prior notices were not returned as undeliverable, they assume I received them and refuse to send any further validation. 

Violations Identified : FDCPA Violation 15 U.S.C. 1692g ( b ) : XXXX XXXX failed to provide proper validation after receiving my dispute, as required by law. A consumers right to debt validation does not expire simply because a collector claims to have sent it before. Each new written dispute demands a proper response or else all collection activities, including credit reporting, must cease. 

FCRA Violation 15 U.S.C. 1681s-2 ( b ) : Upon receipt of my dispute, XXXX XXXX had a legal obligation to conduct a reasonable investigation and either validate, correct, or delete the account from reporting. By refusing to validate and continuing to report the account to Equifax, Experian, and XXXX, they have violated the Fair Credit Reporting Act. 

FDCPA Violation 15 U.S.C. 1692e : XXXX XXXX made deceptive and misleading statements by claiming that they are no longer required to validate the debt, and by assuming receipt of previous mailings without providing any proof of actual delivery. 

Relief Requested : I respectfully request that the CFPB take action to ensure that XXXX XXXX immediately : Ceases all reporting of the disputed account to the credit bureaus ; Deletes the account from Equifax, Experian, and XXXX  ; Provides proper written confirmation of account deletion ; and Is held accountable for their violations of federal law. 

I have attached supporting evidence of XXXX XXXX response letter admitting their refusal to validate, and will not provide any additional documents upon request. 

Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: LA

Complaint narrative:
In Accordance with the Fair Credit Reporting Act the account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681c Account XXXX XXXX XXXX  Account no XXXX has violated my rights I looked on my credit report on XX/XX/2025 and noticed somethings are incomplete and not accurate, And according to the Fair Credit Reporting Act whenever a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( c ) ( b ) .And acc to 15 USC 1681 if they are suppose to do this ( 5 ) treatment of inaccurate of unverifiable information ( A ) regenerate after reinvestigation under paragraph of any information disputed

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 2025-04-26 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: IL

Complaint narrative:
I am writing regarding my previous dispute submitted on [ insert date of your first letter ] concerning multiple inaccuracies on my credit report ( Report XXXX : XXXX ). Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable investigation and promptly delete any information that can not be properly verified. 

To date, you have either failed to provide me with valid documentation supporting the continued reporting of these accounts or have issued a blanket verified statement without producing the actual records of verification. This is a direct violation of my rights under FCRA 611 ( 15 U.S.C. 1681i ). 

Additionally, I am disputing several unauthorized credit inquiries appearing on my report. I did not initiate, authorize, or consent to these inquiries. Under FCRA 604 ( 15 U.S.C. 1681b ), consumer reporting agencies must ensure that all inquiries were made for permissible purposes and with the consumers consent. Failure to validate these inquiries requires their immediate removal.

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 2025-04-26 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: IL

Complaint narrative:
I am writing regarding my previous dispute submitted on [ insert date of your first letter ] concerning multiple inaccuracies on my credit report ( Report XXXX : XXXX ). Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable investigation and promptly delete any information that can not be properly verified. 

To date, you have either failed to provide me with valid documentation supporting the continued reporting of these accounts or have issued a blanket verified statement without producing the actual records of verification. This is a direct violation of my rights under FCRA 611 ( 15 U.S.C. 1681i ). 

Additionally, I am disputing several unauthorized credit inquiries appearing on my report. I did not initiate, authorize, or consent to these inquiries. Under FCRA 604 ( 15 U.S.C. 1681b ), consumer reporting agencies must ensure that all inquiries were made for permissible purposes and with the consumers consent. Failure to validate these inquiries requires their immediate removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: NC

Complaint narrative:
I am requesting that you provide me with the validation of this debt as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Please provide the following : The amount of debt, the name of the creditor to whom the debt is currently owed, a detailed statement of copy of the original agreement showing that I am legally obligated to pay, the name and address of the original creditor, if different from the current creditor, proof that you are authorized to collect debts in my state. 

Upon receipt of your complete response, I will require 30 days to review the information. During this time, and until this matter is fully validated, you are requested to cease all collection activities, including reporting this debt to credit bureaus. 

If you can not provide this information, you must cease collection efforts and delete any reported information from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: KS

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - called the loan department who never recognizes my information XX/XX/XXXX is when all loans were brought to current. The previous balances were paid off XX/XX/XXXX all monthly payments for each loan in the total amount of XXXX was arranged on auto pay XX/XX/XXXX the only e-mail I received stating my request to remove the missed payments were denied In between XX/XX/XXXX and XX/XX/XXXX I made the payments, updated my contact information, and submitted the disputes On XX/XX/XXXX my dispute was resolved by the XXXX On XX/XX/XXXX it was removed without notice There is no current amount due for any of the loans The loans were grouped together XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - monthly payment is XXXX XXXX  XXXX - monthly payment is XXXX Total autopay debit is XXXX All payments were made current and set up on auto pay between XXXX and XXXX in addition to the dispute being made. 

All account information shows there is no previous balance due, no current payment due, and the next debit is XX/XX/XXXX You can see this from the links labeled XXXX XXXXXXXX, XXXX In addition, they never called to inform me the dispute status is not going to remain, for whatever reason. I was not contacted about a balance increase or asked to make any additional payments. They just changed it from resolved to disagree.

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