vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 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: SC

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company

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 2025-03-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Prosper Marketplace, Inc.
State: KY

Complaint narrative:
applied for a debt consolidation loan, approved for XXXX, but underwriter said i must pay off my loans obligations before the can give me the loan, which i already agreed too, in which that is why i applied for a debt consolidation loan in the first place

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 2025-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: MD

Complaint narrative:
Asked for debt verification but never received the paperwork. I sent a debt validation letter certified and the XXXX XXXX said it was delivered on XX/XX/year> to the debt collector, National recovery agency. However, they decided to call on XX/XX/XXXX to collect when they are supposed to seize all collections until debt was verified. I still haven't received any information on this debt therefore they need to stop collections.

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 2025-03-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and Transunion data breach.

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 2025-03-31 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. I want this unauthorized inquiries account blocked from my credit report within 5BD

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 2025-03-31 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: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-31 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: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-31 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-03-31 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: SC

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 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 2025-03-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Accounts ending in : XXXX Date : XXXX XXXX  Reference ID : XXXX Request IRP : XXXX I'm trying to recover my claim for {>= $1,000,000}. I tried calling twice to explain I'm protected by the Hippa Law in regards to providing sensitive information to support my claim you can contact the IRS if needed I have excellent credit and a voluntary repossession in my credit file for vehicle purchased at Momentum in XXXX, CA. I have incurred debt due to my finances not being available and please include pain and suffering I need the full amount I am asking for and when I called the representative wouldn't add my info to my claim and also used racist profanity because I'm XXXX  with XXXX please screen the phone calls.

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 2025-03-31 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: SC

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-03-31 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Dear Nelnet, I am writing in response to your letter dated XX/XX/XXXX, regarding the dispute I previously submitted about the inaccurate and false reporting of my student loan account ( Account : XXXX ). Your response does not properly address the violations of my consumer rights, and I demand immediate corrective action. 

Violations and Dispute Details : Failure to Provide Proper Notice : I did not receive any notice about my account before late payments were reported to the credit bureaus. This violates the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), which require proper notification before negative reporting. 

Incorrect and Misleading Reporting : My account was marked as 90+ days delinquent, even though no 30- or 60-day late payments were ever reported. This is an inaccurate reflection of my payment history and violates 15 U.S.C. 1681s-2, which mandates accurate credit reporting.

Failure to Honor Forbearance/HARDSHIP Protections : Given my financial hardship, I was under the impression that my account was covered by an on-ramp forbearance period or hardship assistance. If my account no longer qualifies, I was never properly notified or given the option to extend my forbearance or enroll in an alternative hardship program. This failure to provide necessary information and support is unacceptable.

Legal Precedents and Potential Liability : Under FCRA 607 ( b ), furnishers are responsible for ensuring the accuracy of the data they report. Your failure to do so violates my rights, and courts have ruled in cases like XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ), that inaccurate reporting without proper investigation is grounds for legal liability. 

Demand for Corrective Action : Immediate update of my account status to reflect forbearance or re-enrollment in a hardship program to prevent further harm to my credit standing. 

Immediate deletion of the inaccurate late payment reporting from all credit bureaus ( XXXX, XXXX, XXXX, and XXXX ). 

Correction of my account to its previous standing before this issue occurred. 

A written breakdown of all available options, including forbearance or other hardship programs. 

Immediate proof of any notifications or communication you claim to have sent regarding these late payments.

If this matter is not resolved within five ( 5 ) business days, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office.

This letter serves as official notice of your violations. Please confirm in writing the corrective actions taken. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: AR

Complaint narrative:
I am writing to follow up on my previous correspondence regarding several negative accounts appearing on my credit report due to identity theft, as detailed in my last letter. 

In my initial statement, I outlined the unauthorized transactions and accounts that have been fraudulently opened in my name, which have severely impacted my credit standing. I kindly requested the removal, blocking, or updating of these inaccurate entries, as well as a prompt response regarding the dispute 's timeline and process. 

Please provide an update on the current status of my case and confirm the steps that have been or will be taken to resolve this matter. If there is any additional information or documentation required, please let me know, as I am committed to assisting with the verification and correction process to ensure an accurate reflection of my credit report. 

I appreciate your time and consideration in addressing this issue. I look forward to your response and a timely resolution to restore the integrity of my credit record. 

Thank you once again for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
I am filing this complaint against Goldman Sachs Bank USA, the issuer of the Apple Card, regarding a long-standing unresolved credit card dispute. This dispute relates to a purchase I made in XX/XX/year> from XXXX XXXX with the amount of {$320.00} The item I purchased was never delivered. In XX/XX/year>, after contacting the merchant, I was instructed by XXXX XXXX to file a chargeback with my credit card company to initiate a refund. I submitted the dispute to Goldman Sachs promptly and provided all necessary evidence, including the merchants statement and my communication history. However, since then, the dispute has repeatedly been denied without a clear explanation. Each time I followed up, a new case would be opened, only to be closed again after several weeks or months. Most recently, the bank has left the dispute pending indefinitely and re-applied the charge to my account, effectively requiring me to pay for a product I never received. I have complied fully with the banks requests and deadlines, and I have continually supplied documentation demonstrating that the merchandise was not delivered. Under Regulation Z of the Truth in Lending Act ( 12 CFR 1026.13 ), I understand that I am entitled to a fair and timely resolution of billing errors, including non-delivery of goods. Goldman Sachs has failed to provide a reasonable investigation or explanation and has not acted in accordance with these regulatory obligations.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-03-31 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-31 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Since XX/XX/2024, Citi credit cards third-party payment processor no longer accepts electronic payments over a certain threshold ( Citi describes it as $ XXXX ), requiring customers using bill pay to have their bank issue paper checks and mail them to Citis processor. This has resulted in a delay of as much as 10 days between XXXX XXXX and credit to Citi credit card on the largest account payments, resulting in incalculable interest charges. Citi says policy can not be reversed since it is third partys, but offers ways to pay through Citi website.

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 2025-03-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Incorrect Account Status Reporting Dear Equifax Dispute Department, I am writing to formally dispute inaccurate information reported on my credit file. Specifically, my credit report reflects an account XXXXXXXX XXXX XXXXXXXX Acct # XXXX as open when it has been charged off/closed. This reporting error is a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2, which requires furnishers of credit information to report accurate and complete information. You have been provided multiple opportunities to correct this error but you have failed to do so. 



The incorrect reporting of this collection/charged-off account as open is misleading and negatively impacts my credit profile. According to consumer protection laws : 1. A charged-off account is considered closed and should not be reported as open, as doing so misrepresents the true status of the account.

2. Under the FCRA, Equifax is required to ensure maximum possible accuracy in reporting credit information ( 15 U.S. Code 1681e ( b ) ).

3. Misrepresenting account status may also constitute an unfair or deceptive practice under the Consumer Financial Protection Bureau ( CFPB ) guidelines. 



I request that Equifax immediately deletes this account due to inaccurate reporting of this account for years. Please provide written confirmation of the deletion within the 15-day period mandated by the FCRA.

If Equifax fails to correct this inaccurate reporting, I am prepared to escalate my dispute with the FTC and consider legal remedies. I appreciate your prompt attention to this matter. 



Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Account number : XXXX Subject : Request for Debt Validation under 15 U.S.C. section 1692g ( b ) & FCRA Compliance. 
To whom It my concern, This letter is a formal request for validation of the alleged debt referenced in your recent communication. I am asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.SOC. section 1692g, which requires that you provide validation of this debt before any further collection activity may continue.

Pursuant to this statute, I request the following : 1. A copy of the original contract or agreement bearing my signature that allegedly created this obligation.

2. A detailed accounting of how the amount claimed was calculated.

3. The name and address of the original creditor.

4. Documentation proves that you are legally authorized to collect this alleged debt.

5. Proof that the debt is not time-barred and that you are within the statute of limitations to pursue it. 
Additionally, under the Fair Credit Reporting Act ( 15 U.S.C. section 16812 ( b ) ), you are required to report accurate and verifiable information to any consumer reporting agency. If you are reporting this debt to any consumer reporting agency, and can not validate it, you must remove it immediately to remain compliant with federal law.

Failure to validate this alleged debt or continued collection activity without proper validation will result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state 's Attorney General. I reserve the right to pursue civil action Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief