vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Zions Debt Holdings
State: TX

Complaint narrative:
This is my second formal complaint against Zions Debt Holdings. In my initial CFPB complaint ( referenced internally ), Zions claimed they would provide documentation validating the alleged debt to the email address on file with the CFPB. They never did.

Instead, Zions has continued to report this debt to TransUnion without providing any legally required validation under the Fair Debt Collection Practices Act ( FDCPA 809 ) and the Fair Credit Reporting Act ( FCRA 611 and 623 ). They have not provided : A signed agreement or contract linking me to the debt Itemized billing or transaction history Any documentation showing legal assignment or ownership of the debt They continue to submit meaningless updates to the credit bureau ( e.g., re-entering their address ), which falsely appear as verified activity but fail to address the substance of my dispute. This appears to be an intentional effort to mislead the credit reporting system and avoid legal compliance.

Their response is not only insufficientit is deceptive. I still have not received a single piece of documentation supporting the validity of the debt. Their continued reporting without proof violates FCRA 623 ( a ) ( 3 ) and 611 ( a ), and it demonstrates a pattern of noncompliance that requires regulatory attention.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: MS

Complaint narrative:
Affidavit of Fraud ( for XXXX XXXX XXXX ) Affidavit of Fraud I, XXXX XXXX, residing at XXXX XXXX XXXX, XXXX XXXX XXXX, being duly sworn, hereby make the following statement : XXXX Personal Information : Name : XXXX XXXX XXXX Date of Birth : XX/XX/year> Address : XXXX XXXX XXXX, XXXX, XXXX XXXX Social Security Number : XXXX Contact Number : XXXX XXXX Details of Disputed Account : Company Reporting : XXXX XXXX XXXX XXXX 
Address of Reporting Company : XXXX XXXX XXXX XXXX, FL XXXX, XXXX, IL Statement of Fraud : I am affirming that I did not authorize, apply for, or receive any goods, services, or credit from XXXX XXXX XXXX at any point in time. This account, as reported by the Experian credit bureau, is the result of fraudulent activity. I have not had any transactions, nor have I signed any agreements with XXXX XXXX XXXX regarding this credit account. Furthermore, I did not receive any benefit, financial gain, or product from the establishment of this 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 2025-05-12 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: IN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-05-12 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: OH

Complaint narrative:
I am submitting this complaint as a follow-up to a previous CFPB complaint I filed regarding inaccurate credit reporting by Equifax related to my student loans with XXXX. I do not have the option to add comments or documentation to the original complaint, so I am providing this update separately. 

Equifax is now requiring me to physically mail sensitive identity documents, including a copy of my Social Security card, government-issued ID, and pay stubs, in order to continue processing my dispute. This is despite the fact that my identity is not in question and I have already submitted identifying information through their online dispute system. 

This request is unreasonable, insecure, and appears to be a delay tactic to avoid properly investigating and resolving my credit dispute. I am not comfortable mailing documents that contain sensitive personal information due to identity theft concerns, especially when there are secure, modern alternatives available. 

I am requesting that the CFPB : Ensure Equifax proceeds with my dispute based on the information already provided, or Allow me to submit any required documents securely online, if absolutely necessary. 

This complaint is related to the original complaint I filed on [ XXXX ], regarding Equifax and the inaccurate reporting of my XXXX student loans. Please reference that case for additional context. 

Thank you for your assistance in resolving this matter fairly and securely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I am writing to formally dispute the accuracy of a XXXX charge off currently being reported on my credit file. Upon recently reviewing my credit reports, I was shocked to find this account is still listed despite having been fully paid. Several years ago, I worked with a Debt consolidation company and through this company this account was paid and settled. It was my understanding that upon payment, XXXX would remove the tradeline from my credit report. However, this collection remains, inaccurately reflecting a negative status and negatively impacting my credit profile. As a result, I have been unable to secure credit and it is jeopardizing my ability to obtain approval for a home loan. Under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into this matter and the removal of this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: TX

Complaint narrative:
I have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-05-12 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: CA

Complaint narrative:
I need you to go through every piece of information tied to this account and confirm that it actually belongs to me. If you can not fully certify that all of the data is accurate and linked to me without any doubt, then this account should not be on my credit report at all.

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 2025-05-12 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: AZ

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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 explanation
Consumer complaint received 2025-05-12 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: GA

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-05-12 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: LEXISNEXIS
State: GA

Complaint narrative:
On XX/XX/year> I requested a security freeze from Lexis Nexis XXXX Solutions. Lexis Nexis XXXX Solutions continues to report unvalidated information according to 15 USC 16 92G. I've asked for a detailed list of payments made to all accounts that they are validating, secondly, I've requested the signature that I put on the contract guaranteeing that I would pay that creditor that they are validating. Thirdly I've asked to see if there have been any insurance claims filed on the debt their reporting. Finally, I've asked for proof of the chain of title to collect on the debt. As of XX/XX/year> none of these requests have been fulfilled.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: MO

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 2025-05-12 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: WI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-05-12 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 noticed multiple hard inquiries on my credit report from companies such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX between XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. i did not authorize several of these inquiries and did not apply for credit with some of these companies. these inquiries may be the result of identity theft or an error. i have not received any communication or confirmation about applications from these companies. i would like these inquiries to be investigated and removed if they are found to be unauthorized, as they negatively affect my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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:
Initial Complaint ID : XXXX After filing an initial complaint against ( with supporting documentation ) Trans Union XXXX XXXX organization is attempting to " gas-light '' me - by suggesting that I did not send to them any proof of my identity. 
They sent to me a post card stating that I need to re-send all of the documents that was initially sent to them including : Registered XXXX Mail, copy of my current valid XXXX  XXXX XXXX, XXXX ( XXXX ) photocopy 's of paystubs that visibly shows my XXXX XXXX as well as a photocopy of my original XXXX XXXX  card, and finally a personal check - that includes my name and XXXX XXXX  clearly printed. 
The fact that they cashed the check shows that they received these required items, and profited off the top! They are not being truthful in suggesting that they need these items sent all over again ; they already have received what they needed to fulfill my request. This seems to be a delay tact or an attempt to commit fraud is my assertion. 
I need someone to call them out on their fraudulent practices at this point, and encourage Transunion to come clean, honor their customers time, money and privacy?!

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 2025-05-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: TX

Complaint narrative:
When my student loan was transferred from XXXX XXXX to Great Lakes Great Lakes imposed a {$1500.00} administrative fee to take over my student loan. I was paying on my student loan until I retired in XXXX. Great Lakes sold my account to Nelnet. Then covid happened and my student loan was put on pause until XXXX. My balance on my loan is still {$1700.00}, of which {$1500.00} is that excessive admin fee. If it was not for that fee my student loan would be paid by now. When it was Great Lakes I asked about that fee and they claimed everyone in default was charged that fee by Great Lakes. Its bad enough that we are struggling to make our payments but then to have a {$1500.00} admin fee on top of that is very unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: FL

Complaint narrative:
this is a idenity thefft case please see report attached, there has been data breaches on all credit bureaus. from transunion, 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 2025-05-12 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: FL

Complaint narrative:
this is a idenity thefft case please see report attached, there has been data breaches on all credit bureaus. from XXXX, experian

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