vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 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: AZ

Complaint narrative:
I am formally disputing the following accounts on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, and the Truth in Lending Act ( TILA ) 15 U.S.C. 1641 ( g ). 
I have identified multiple legal violations regarding these accounts, and failure to correct these errors within 30 days will result in formal legal action against your agency for willful noncompliance. 
ACCOUNTS IN DISPUTE : Account- XXXX - XXXX XXXX ( b ) Reporting Accuracy Furnishers and credit bureaus must ensure the maximum possible accuracy. 
XXXX contradictory and outdated reporting violates this requirement. 


1681i Reinvestigation Obligations If previously disputed, failure to reconcile discrepancies in dates, payment status, and comments could constitute willful noncompliance. 


1681s-2 ( b ) Duty to Correct and Update XXXX  continued reporting of this account as derogatory despite it being paid shows a failure to update or correct verified information. 
Account- XXXXXXXX XXXX  XXXX XXXX XXXX ( b ) Failure to Maintain XXXX XXXX Equifax XXXX reporting an inaccurate status ( Late 120 Days ) instead of Collection. 
Equifax also lists an incorrect balance and omits the Date Opened. 




XXXX ( b ) Failure to Correct or Update Inaccurate Information If previously disputed, and errors remain ( e.g., payment status, balance inconsistency ), the furnisher XXXX be in violation of their obligations to investigate and correct. 
1681i Failure to Reinvestigate If the consumer has filed a dispute, and this contradictory reporting remains unresolved, the bureau XXXX be in violation

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 2025-06-03 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: VA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX, XXXX, XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: Nelnet, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, IL XXXX Date XX/XX/XXXX Prior CFPB case number : XXXX Complaint narrative I am disputing a federal student-loan tradeline Nelnet continues to report even though I was the victim of identity theft and have NO knowledge of these loans. 
What happened Nelnet mailed responses on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX claiming I owe {$16000.00} and supplied only redacted electronic Master Promissory Notes ( MPNs ) with no wet-ink signatures or ESIGN audit trail. 
I provided an FTC Identity-Theft Affidavit and an Illinois police report. Under FCRA 605B Nelnet must block or delete the tradeline within 4 business days, but it has not.

Nelnet refuses to stop furnishing the disputed tradeline, stating it is required to report. 
The loans originated with XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ) and Great Lakes ( XXXX XXXX ) and were transferred multiple times. I never applied for or benefited from them. 
The continued reporting has lowered my credit scores and caused credit denials. 
Why this violates the law FCRA 605B failure to block identity-theft information within 4 business days.

FCRA 607 ( b ) & 623 ( a ) ( 1 ) ( A ) furnishing information without reasonable procedures or verification. 
FCRA 611 ( a ) inadequate reinvestigation ; Nelnet only re-sent the same electronic images.

FTC Act 5 / UDAAP unfair and deceptive to report debt without authentic documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: OR

Complaint narrative:
This reporting is misleading, unverifiable, and violates the Fair Credit Reporting Act under 15 USC 1681, 1681i, and 1681e ( b ). No proper validation has been provided to justify this negative information remaining on my credit profile. This continued misreporting is causing significant and unjust harm to my financial standing.

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 2025-06-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
1. I fully paid all rental obligations through the lease end date, as outlined in the signed lease agreement. 
2. Upon vacating the premises, I did not receive a valid claim or communication for damages, unpaid rent, or other charges within the timeframe required by Texas Property Code 92.104. 
3. Texas law requires landlords to provide a written itemized list of any deductions from the security deposit within 30 days of move-out. I received no such notice or breakdown. 
4. No lawful debt was owed after move-out. Therefore, this collection is erroneous and not verifiable under FCRA standards ( 15 U.S.C. 1681i ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
Account XXXX XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible for my report or I will have to take legal action.

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 2025-06-03 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: TX

Complaint narrative:
Despite my repeated efforts to resolve the presence of fraudulent, inaccurate, and misleading information on my consumer report, these issues continue to persist without proper resolution. The ongoing inclusion of these unauthorized items has severely impacted my quality of life, creating substantial stress, anxiety, and financial hardship. I want to emphasize that I never authorized or provided consent for the association of this information with my personal identity, as I am a documented victim of identity theft. These fraudulent entries continue to damage my credit profile and prevent me from accessing legitimate financial opportunities that are rightfully mine.

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 2025-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On XX/XX/year> I had a recurring payment scheduled for XXXX XXXX XXXX in the amount of {$330.00} for my auto policy premium. The funds were scheduled to be withdrawn from my Bank of America account on XX/XX/year>. Bank of America declined the payment of {$330.00} due to insufficient funds at the time that XXXX XXXX XXXX attempted to receive payment. Bank of America stated that the payment to XXXX XXXX XXXX was declined due to insufficient funds as the account balance at the time of the payment attempt was approximately {$73.00}. The account Balance on XX/XX/year> is listed as {$1000.00}. On XX/XX/year> a check deposit of {$1000.00} was made to my checking account to cover the withdraw from XXXX XXXX XXXX on XX/XX/XXXX. The funds from the check posted to my account on XX/XX/year>. After much discussion with Bank of America they are offering no help in this matter and have concluded that I did in fact have the funds to cover the withdraw of {$330.00}. Bank of America has provided me a letter outlining the fact that the they show I had enough money in my account to pay for the XXXX XXXX XXXX XXXX of {$330.00}, but they did not make the funds available for payment. My truck was stolen a few weeks after this incident and as a result of the failed payment from Bank of America my insurance lapsed and I do not have insurance coverage to cover my stolen truck and I am left with a {$31000.00} loan on a stolen truck.

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 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( XXXX  ) and Equal Credit Opportunity Act ( 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 2025-06-03 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: VA

Complaint narrative:
These accounts are reporting fraudulently, please remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: VA

Complaint narrative:
These accounts are reporting fraudulently, please remove them.

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 2025-06-03 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: AL

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-06-03 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: AL

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-06-03 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: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have my XXXX XXXX checks deposited into capital one bank checking account they save they detected fraud activity from XXXX I explained to them my social security number was compromised years ago they told me my account is still until investigation and they still wont release the funds to me this has been happening since XX/XX/XXXX I have a total of XXXX that they wont release to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Samuel Whitaker & Associates LLC
State: OH

Complaint narrative:
Received call from XXXX at " XXXX XXXX XXXX '' stating that they are arbitrators for a XXXX XXXX  debt made in XXXX. ACCOUNT shows names of XXXX XXXX and XXXX XXXX, debt amount shown being {$4800.00} and now with 29.99 % interest, debt is in excess of {$12.00}, XXXX. Stated they are not debt collectors and gave me another number to call for more information ( also XXXX XXXX XXXX ) and to settle the debt. Phone number being XXXX with a case number of XXXX. They knew our names, addresses, social security numbers, and dates of birth. They gave me options either to pay the {$4800.00}, or ignore these warnings and go to court and be charged the $ XXXX, or lose my home to settle the debt. The trouble is, this is not my debt. I believe it to be a scam and I wanted to report it. Maybe you can shut them down? Synchrony bank shows no debt for either one of us. When they discovered my husband has died and I have nothing to give them, they offered to leave the debt in my husband 's name only and forgive the debt so I won't lose my home. IN spite of this, I had no debt with XXXX XXXX  to begin with. My debts are paid.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX Account Number XXXX Balance : {$1000.00} Open Date XX/XX/XXXX XXXX XXXX Account Number XXXX Balance : {$990.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Account Number XXXX Balance : {$740.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number XXXX Balance : {$20000.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX Balance : {$0.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX Balance : {$530.00} Open Date XX/XX/XXXX XXXX XXXX XXXXXXXX Account Number XXXX Balance : {$0.00} Open Date XXXX XXXX, XXXX XXXX XXXX XXXX Account number XXXX Balance {$18000.00} Open Date XX/XX/XXXX XXXXXXXX XXXX XXXX Account number XXXX Balance {$15000.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Balance {$4000.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Balance {$3200.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Balance {$1600.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Account number XXXX Balance {$1500.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX Balance {$640.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX Balance {$260.00} Open Date XX/XX/XXXX XXXX XXXX Account number XXXX Balance {$230.00} Open Date XX/XX/XXXX inquiries XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, and XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
his letter serves as my final demand for the immediate deletion of an unauthorized and invalid hard inquiry from my Equifax credit report. Despite my previous disputes, Equifax continues to report an inquiry that I did not authorize and for which no written or verbal consent was given.

Company response to consumer: Closed with explanation