vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 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: FL

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-11-21 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: UT

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ KLARNA ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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 2025-11-21 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: EQUIFAX, INC.
State: NV

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: NY

Complaint narrative:
I am disputing the following accounts on my credit report. I believe there are inaccuracies and inconsistencies that need to be corrected as per the Fair Credit Reporting Act ( FCRA ). Below are the details of the accounts in question, separated by each bureau. 

Charged Off Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-11-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: NY

Complaint narrative:
To Whom It May Concern, I am sending this letter in response to your company being listed as the current owner of a debt previously associated with XXXX XXXX, which was reportedly sold to Plaza Services in XX/XX/year>. 

This letter is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ). I am requesting full validation of the alleged debt before I proceed with any further communication or consideration of payment.

Please provide the following : 1. Complete validation of the debt, including : The original signed contract bearing my signature A full accounting of the alleged balance The date and amount of the last payment The exact date the account allegedly became delinquent Proof that your company has legal ownership or assignment of this debt Chain of custody / bill of sale with my account number specifically listed 2. Verification of your licensing to collect debts in the State of New York, including : Collection license number Registered agent information 3. Proof of reporting accuracy, including copies of what you have furnished to : XXXX XXXX XXXX 4. Verification this debt is not time-barred under NY law. 

Until these documents are provided, you are required to cease all collection activity, including : Reporting or updating information with any credit bureau Contacting me by phone Selling or transferring the account If you can not provide the above documentation, you must : 1. Cease collection activity, and 2. Delete all references to this account from every credit bureau under FCRA 605B and FDCPA 807. 

Please respond in writing only. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: GA

Complaint narrative:
I am disputing the following accounts listed under XXXX XXXX. The information reported for these accounts is inaccurate, and I request an immediate review and correction : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2500.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8200.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$29000.00} Regarding Late Payments, I dispute the accuracy of the following : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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 am a consumer attempting to fix my credit. Below are the accounts I am disputing with Experian : Charged Off Accounts XXXX XXXX XXXX  XX/XX/XXXX, {$24000.00XXXX XXXX XXXXXXXX XXXX, XXXX, XX/XX/XXXX, {$1000.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$2700.00} Inquiries ( There are no inquiries listed under EX ) Positive Accounts ( There are no positive accounts listed under EX ) Late Payment Accounts XXXX, XXXX ( Reported Late Payment )

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 2025-11-21 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: EQUIFAX, INC.
State: NV

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, 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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: NJ

Complaint narrative:
I am submitting this dispute to address discrepancies found on my credit report across the XXXX major credit bureaus : XXXX  ( XXXX ), Experian ( EX ), and XXXX  ( XXXX ). Below is a breakdown of the disputed items for each bureau, including charged off accounts, inquiries, late payments, and positive accounts. 
Charged Off Accounts : XXXX  XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$2900.00} Inquiries : XXXX XXXX, Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I was notified on my statement of payments that I owed {$630.00} on my Citibank Credit card for XX/XX/year> purchase. It noted it was XXXX internet payment. When I called, they said it was between me and my bank. I went to the bank and of course was told it was a credit card issue. I called the company and she said the same thing again and I demanded a response. I got a letter about XXXX weeks later saying in print what she said the first time. I paid everything on my card but that amount since it was in dispute. I then called the North Carolina Department of Justice and they told me to contact your agency first.

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 2025-11-21 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 am filing this complaint because TransUnion is reporting items that I believe are inaccurate or unverified. My disputes with TransUnion have not resulted in proper documentation or correction. 

XXXX XXXX TransUnion is not currently reporting charged-off accounts for dispute based on my latest disclosures. 

INQUIRIES I do not recognize several inquiries listed on my TransUnion report. I request proof of permissible purpose for each : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I do not recall applying for credit with these companies. 

I respectfully request that TransUnion validate these inquiries or remove them if they can not confirm appropriate authorization under the FCRA.

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 2025-11-21 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: OLD NATIONAL BANCORP
State: MN

Complaint narrative:
In XX/XX/year>, I took my XXXX checks from selling my XXXX XXXX XXXX XXXX XXXX XXXX and an insurance check to fix my home to the drive up window of Bremmer Bank. I asked the lady behind the glass for as much cash as possible, and said I would return to cash the other checks when the funds were available I signed all XXXX of my checks and handed them to her. She took the checks and walked away then a woman named XXXX XXXX walked interview shaking her head no I asked wheres my money whats going on? She finally walked up to the drive up window said sorry I cant give you your money. I said what do you mean? You cant give me my money and she told me that XXXX XXXX a ag loan officer directed her to take my entire income and only source of income from me for the entire year. This left me to live off of my credit card and elderly father for the year and unable to afford an attorney for my divorce trial that was XXXX months later. I was denied my rights, lied to by the judge and set up to be destroyed by a ruthless and well-known disgraceful lawyer surprised XXXX days before the trial yet denied a continuation to see council, and the perjury and fraud committed against me took my son from me. denied me child support in alimony, even though my son was with me for XXXX  % of the time robbed me of hundreds of thousands of dollars in our retirement account and lost XXXX acres  of land a building site and a pole shed intense of thousands of dollars in child support every year, resulting in my life being destroyed and me having to live in XXXX the rest of my life because of this despicable bank, this bank has decided to lie repeatedly to the consumer financial protection bureau. They have mocked me and ignored me. These people belong in prison, but yet this bureau protects them by doing nothing. I have prayed and prayed that someone with morals would stand up and do their job, but theres not a good person involved in this besides myself I can prove every single word I say yet no one does anything its XXXX  to ignore the victim of such a crime and its XXXX to cover up such a crime like this bank has done. I need justice and I will get justice even if I have to wait for XXXX to send them to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: VA

Complaint narrative:
I am disputing the following charged-off account that appears on my credit report. This account contains inaccuracies, including incorrect dates and balances : CHARGED OFF XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NC

Complaint narrative:
I am submitting this letter to formally request the full discharge of all student loans serviced by Nelnet on the basis of deceptive guidance, misrepresentation, and improper loan-management practices. 

Throughout my repayment period, Nelnet repeatedly directed me away from income-driven repayment plansoptions that would have provided affordable monthly payments and a clear path toward loan forgiveness. Instead, I was consistently encouraged to use forbearance or deferment. These recommendations caused significant and unnecessary capitalization of interest, resulting in a substantial and avoidable increase to my overall loan balance. 

Nelnet also misreported payment information to credit bureaus, negatively affecting my credit profile. Inaccurate and inconsistent information from Nelnet representatives further delayed my ability to pursue appropriate repayment programs and contributed to the accumulation of debt far exceeding the original principal. 

These actions align with the documented pattern of misconduct for which Nelnet has been investigated and sued by multiple states and the Consumer Financial Protection Bureau. The companys servicing practices have caused clear financial harm and directly impacted my ability to manage and repay these loans effectively. 

Based on this history of deceptive and improper servicing practices, I am formally requesting that all loans held by or serviced through Nelnet be fully XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I am disputing the late payments Bank of America reported on my account ending in XXXX for XXXX, XXXX, and XX/XX/year>. These late marks are not accurate. During those months, I did not receive the billing statements that would have notified me of a payment due. Without receiving those statements, I had no way of knowing that a payment was outstanding. 

At that time, I was also dealing with personal and financial difficulties that affected my ability to monitor the account electronically, especially because I was expecting to receive the statements by mail as usual. I have never intentionally missed a payment, and these late marks do not reflect my actual payment behavior. 

XXXX Bank of America did not send me the required statements, I did not receive proper notice. The reported late payments are therefore incomplete and misleading.

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 2025-11-21 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional XXXX XXXX to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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