vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-26 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: FL

Complaint narrative:
I am filing this complaint to report multiple fraudulent accounts, addresses, and inquiries appearing on my consumer credit report that are the result of identity theft and inaccurate reporting. I previously submitted an FTC Identity Theft Affidavit to document this issue and will submit another report once the government shutdown ends and the FTC system becomes available again. In the meantime, I am requesting the CFPBs assistance in having these items removed from my credit report. The fraudulent accounts, addresses, and inquiries include the following : Fraudulent Addresses : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Fraudulent Accounts : XXXX XXXX ( # XXXX, # XXXX, # XXXX, # XXXX ) XXXX  ( # XXXX ) Fraudulent Inquiries : XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX ) XX/XX/year> XXXX XXXXXXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX In addition to the identitytheftrelated accounts and inquiries listed above, I am also disputing late payment reporting from XXXX XXXX XXXXXXXX. The account was not late, and I have already contacted XXXX  XXXX XXXX directly to request correction. However, the company advised me to contact the credit bureaus instead, while the credit bureaus directed me back to XXXX  XXXX XXXX. This has left me unable to resolve the issue despite multiple goodfaith attempts. I previously submitted an FTC Identity Theft Affidavit and intend to submit another as soon as the FTC system becomes available following the government shutdown. Despite multiple good-faith attempts to resolve the issue directly with XXXX XXXX XXXX and the credit reporting agencies, I have been referred in circles between them. The Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ) provide consumers the right to dispute inaccurate and fraudulent information, and require both furnishers and credit reporting agencies to conduct a reasonable investigation and delete unverifiable or fraudulent data. However, despite these legal obligations, neither XXXX XXXX XXXX nor the credit bureaus have corrected the inaccurate late payment or removed the identity theft-related items. 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 non-monetary relief
Consumer complaint received 2025-10-27 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: GA

Complaint narrative:
I am submitting this seventh follow-up complaint to dispute the continued reporting of multiple charge-off accounts inaccurately reflected on my credit file. These accounts are being listed as Profit and Loss or Charged Off with outstanding balances, even though they have been forgiven, settled, or written off without any corresponding IRS Form XXXX filing, which is legally required when a creditor cancels or forgives a debt of {$600.00} or more. 
Accounts in Dispute : XXXX BANK XXXX Balance : {$5900.00} XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$6000.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$11000.00} XXXXXXXX XXXX XXXX  XXXX Balance : {$4500.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$940.00} Under the Fair Credit Reporting Act ( FCRA ) 607 ( b ), credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of information reported. Continuing to report these accounts as charge-offs or profit-and-loss write-offs without proper documentation of debt forgiveness is incomplete, misleading, and inaccurate. 
Pursuant to XXXX XXXX. XXXX, a creditor is required to file IRS Form XXXX when a debt of {$600.00} or more is cancelled or forgiven. The issuance of this form signifies that the debt has been legally XXXX and can no longer be reported as an outstanding or collectible obligation. The failure of creditors to issue this form while maintaining charge-off or profit and loss reporting constitutes both tax reporting noncompliance and credit reporting inaccuracy.FCRA 623 ( a ) ( 1 ) ( A ) prohibiting furnishers from reporting information they know or should know is inaccurate.

FCRA 607 ( b ) requiring maximum possible accuracy in consumer reporting.

FCRA 611 ( 15 U.S.C. 1681i ) giving me the right to dispute information and requiring full reinvestigation and verification by the bureau and data furnishers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am sending to formally dispute inaccurate accounts that appears on my credit report. The following accounts do not accurately reflect my financial history, and I am requesting a full reinvestigation under the Fair Credit Reporting Act ( FCRA ). When I first reviewed my report, I was surprised to see entries that did not match my own records or payment history, which raised immediate concern about how this data was verified. Under FCRA 1681i ( a ) ( 1 ), I have the right to request a reasonable reinvestigation of any disputed information, and I am exercising that right now to ensure my report is both fair and factual. I take pride in maintaining my financial responsibilities, and I believe every consumer deserves an accurate representation of their creditworthiness. 
XXXX XXXXXXXX XXXX XXXXXXXX Balance - XXXX XXXX XXXXXXXX XXXX Balance {$200.00} XXXX & XXXX XXXX Original creditor : XXXX XXXXXXXX Balance {$240.00} XXXX XXXX Original creditor : XXXXXXXX XXXX XXXXXXXX Balance {$120.00}

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 non-monetary relief
Consumer complaint received 2025-10-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: IL

Complaint narrative:
Company said I owe them for phone but I never had this phone company even submitted to get phones from this company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, I insist that these items be thoroughly investigated and promptly removed from my credit report. It is my understanding that you are obligated to verify these items with the respective creditor. Should the creditor fail to substantiate the information, I kindly request that you eliminate it from my report. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am writing to formally dispute a transaction that occurred on my account. The bank has declined my claim, asserting that either I or an individual to whom I granted authorization utilized my account. I have submitted evidence indicating that I did not receive my ATM card, which includes a police report.

Bank of Americas policy dictates that an individual not listed on the account is prohibited from using it. The only circumstances under which another person may gain access to the account are if they are added as a joint account owner, designated as a Power of Attorney ( POA ), or granted specific online access for business accounts.

It is imperative to note that sharing personal account information, such as user IDs and passwords, constitutes a significant violation of the bank 's terms of service and compromises account security. I did not authorize anyone to utilize my account. Under the Electronic Funds Transfer ( EFT ) Act, negligence does not serve as a justification for denying reimbursement. I reiterate that I did not give authorization for anyone to access 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 2025-10-27 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: EQUIFAX, INC.
State: OH

Complaint narrative:
There has been unauthorized access to my credit report by multiple companies, which has directly harmed both my credit and my credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. However, that commitment has not been honored, and the inquiries remain. This continued inaction is entirely unacceptable. 

The presence of these unauthorized and potentially fraudulent entries is highly concerning and suggests possible identity theft. This ongoing issue has caused significant XXXX XXXX and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: TX

Complaint narrative:
b'On XXXX XXXX XXXX, MOHELA received a certified dispute letter (Tracking #XXXX XXXX XXXX XXXX XXXX XXXX, signature illegible) requesting reinvestigation of inaccurate and unverifiable credit reporting for a student loan account ending in XXXX, including errors in dates opened, dates last reported, payment history, and account status. Despite proper delivery and more than 30 days passing, MOHELA failed to respond or conduct the required reinvestigation under the Fair Credit Reporting Act (15 U.S.C.  1681s-2(b)), leaving inaccurate and incomplete information on file with the credit reporting agencies.'

Company response to consumer: Untimely response
Consumer complaint received 2025-10-27 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: PA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
Ive sent several letters to each bureau asking for these medical bills to be removed from my credit report as per federal law since each of them related to the consumer financial protection bureau, Regulation V, Senate Bill 5480 Each credit card was used for medical purposes. Please help remove the following : Portfolio RC ( original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX, I received a letter ( dated XX/XX/XXXX ) from L.L. Bean Mastercard stating my account had been closed and that I had XXXX days to redeem my rewards. ( I was also never informed by mail or email that they would be closing my account. ) I tried to use the reward dollars, valued at {$180.00} at L.L. Bean, a few days later, but was told there were no Bean Bucks on the account. 
I spoke with a customer service representative at L.L. Bean, on XX/XX/XXXX, and was told she would look into it by contacting the research department. I received an email from L.L. Bean saying they could not locate the Bean Bucks and that I would have to contact XXXX. XXXX XXXX XXXX. 
I spoke to a customer service representative named XXXX at XXXX XXXX on XX/XX/XXXX. I explained the situation to her, and she understood the situation and advised me to open a new L.L. Bean Mastercard, issued by Citibank, and that they would return the {$180.00} in Bean Bucks ( reward dollars ) to my new account. They said it would be on the account within XXXX hours. I called XXXX hours later and the representative referenced the notes and assured me it would be in my account but I have to wait longer. I gave them ample time to transfer the L.L. Bean Bucks to my new card. On XX/XX/XXXX, I reached out to XXXX and spoke with XXXX, a customer service XXXX, and explained the situation to her for over XXXX minutes. She said they would not return the {$180.00} rewards to my account. She stated that that is not their process. I asked her to pull up the conversation that was recorded with the previous ( XXXX XXXX representative, as the calls are recorded. She would not do that on the phone with me. She said XXXX had given me the wrong information. I asked if they would honor it because I felt I was forced to open a new credit card account. She refused to let me speak to anyone above her. She stated my account was inactive, which was not true because I had used the card in XXXX and XXXX of 2025. I gave her multiple creative options such as putting a credit on my account, or sending a bank check, but she said she would not do anything. 
I was cheated out of my reward dollars and fooled into opening another L.L. Bean Mastercard, which could affect my credit score. They had promised to add the value of my rewards ( {$180.00} ) if I opened a new credit card, and they are now not honoring that promise, which was recorded on XX/XX/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 monetary relief
Consumer complaint received 2025-10-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: TX

Complaint narrative:
b'On XXXX XXXX XXXX, Nelnet received a certified dispute letter (Tracking #XXXX XXXX XXXX XXXX XXXX XXXX) requesting reinvestigation of inaccurate and duplicate credit reporting for a Dept. of Education/Nelnet account ending in XXXX, including incorrect dates opened, dates last reported, comments, and payment history amounts. Despite proper receipt and more than 30 days passing, Nelnet failed to respond or conduct the required reinvestigation under the Fair Credit Reporting Act (15 U.S.C.  1681s-2(b)), leaving inaccurate balances and duplicate tradelines reported to XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, GA XXXX XX/XX/year> Online Information Services XXXX XXXX XXXX XXXX, NC XXXX Re : Request for Debt Validation Account Number : XXXX To Whom It May Concern : I am writing in response to your [ letter/phone call ] dated [ date ], regarding the collection of an alleged debt. I am requesting validation of this debt as provided for by the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. 



Please provide the following information : The name and address of the original creditor. 
The amount of the alleged debt, including an itemized breakdown of any interest, fees, or other charges. 
Verification that you are licensed to collect debts in my state, including your license number and issuing authority. 
Copies of any documents bearing my signature that show I agreed to assume this debt. 
Proof that you have the legal right to collect this debt ( e.g., a copy of the assignment or purchase agreement ). 




Until you provide this documentation, you must cease all collection activities, including reporting this alleged debt to credit reporting agencies. If you have already reported it, please inform them that the debt is disputed. 



Please be advised that I am keeping records of all correspondence regarding this matter. Failure to comply with this request will be considered a violation of the FDCPA and may be reported to the Consumer Financial Protection Bureau ( CFPB ) and the Attorney Generals office. 



I request that all future communications be in writing. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  account # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. This debt is past 7 years, the date opened on the account was XX/XX/year>. It is ILLEGAL to report a debt after 7 years on my credit report!

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

15 U.S.C. 1681c - Time limit on reporting!

15 U.S.C. 1692f - Unfair practices

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent account # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. This debt is past 7 years, the date opened on the account was XX/XX/year>. It is ILLEGAL to report a debt after 7 years on my credit report! 15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681c - Time limit on reporting!

15 U.S.C. 1692f - Unfair practices

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: EdFinancial Services
State: GA

Complaint narrative:
Ive been trying to get a grip on my student loans and i wanted them to not affect my credit so that is why im filling a complaint also while trying to apply for an apartment i noticed my credit dropped significantly due to these loans

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
This debt has already been resolved, yet Experian refuses to remove it from my credit report. They failed to properly investigate the matter and made no attempt to verify the resolution with the collections agency. Instead of conducting a legitimate reinvestigation, they simply updated the record with the same inaccurate information. The dispute process was flawed, and the information they provided was incorrect. Additionally, they did not allow me to upload supporting documentation to prove the debt was resolved. I am being denied a fair opportunity to present evidence, and this raises serious concerns about the integrity of the credit reporting process. I never even heard of this company.Its base out of georgia we all now this state is the scamming capital.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on an account that I actually paid on time. Consumer reporting agencies need to report all information with complete accuracy. This account has never been late on payments. Ive attached a copy of my report to this complaint, highlighting the inaccurate entries for the following date : XX/XX/year>. Im now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on an account that I actually paid on time. Consumer reporting agencies need to report all information with complete accuracy. This account has never been late on payments. Ive attached a copy of my report to this complaint, highlighting the inaccurate entries for the following date : XX/XX/year>. Im now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt 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 non-monetary relief