vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-13 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: NC

Complaint narrative:
XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX  XXXX XXXX Washington XXXX DC XXXX RE : Formal Complaint - Violations of the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern : I am submitting this formal complaint regarding several unresolved and inaccurate items on my credit reports maintained by TransUnion, Experian, and Equifax. Despite my repeated attempts to dispute and request verification directly with the credit bureaus, these accounts continue to report false, outdated, or unverifiable information, which is harming my creditworthiness.

The items in question are as follows : - Unverified charge-off from XXXX XXXX still reporting with a {$3300.00} balance.

- SST/Medallion account incorrectly showing {$34000.00} as past due. 

- XXXXXXXX XXXX XXXX XXXX showing charge-off as 'Current " despite settlement for less than owed. 

- XXXX XXXX XXXX collection account not validated after multiple dispute attempts. 

- Hard inquiries from XXXX Credit, XXXX XXXX, and XXXX XXXX that were never authorized. 

- XXXX XXXX XXXXXXXX XXXX XXXX XXXX, and XXXX accounts showing inconsistent or incomplete reporting across the bureaus. 

These issues violate several provisions of the Fair Credit Reporting Act ( FCRA ), including : - 15 U.S. Code 1681i- Failure to investigate disputed information within 30 days -15 U.S. Code 1681s- 2 Furnishers of information failing to report accurately.

- 15 U.S. Code 1681e ( b ) - Failure to maintain maximum possible accuracy.

I am requesting the CFPB to initiate an investigation into these matters and take any appropriate enforcement actions against the responsible credit bureaus and data furnishers. Or delete this information from my credit report.

Thank you for your time and 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 2025-07-13 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: IA

Complaint narrative:
On XX/XX/XXXX I applied to have my Student Loans with Nelnet placed on the SAVE Plan. I had a pair of loans which I consolidated for this with initial balances being {$34000.00} and {$24000.00} for a total of {$58000.00}.

Although I had applied to be on the SAVE Plan, Nelnet stated that it took 8 months to process the application and approved it on XXXX. XXXX, XXXX. During that entire time, Nelnet had been charging interest. 

When I noticed this, I contacted Nelnet regarding the accrued interest. They stated that the SAVE interest free didn't account for processing times and this was legitimate.

I don't understand where the breaking point is. Are they allowed to process the application for 1 year, 2 years, etc. and charge interest at their leisure because they are slow?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
BEST BUY/CBNA Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX Revolving Account Date opened : XXXX XX/XX/year> account condition : closed Account closed at credit grantors request

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 2025-07-13 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: GA

Complaint narrative:
I mailed a certified dispute letter to XXXX XXXX XXXX on XX/XX/year>, to their official address at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. This dispute was sent in accordance with FCRA XXXX ( a ) ( XXXX ) and FCRA XXXX, requesting investigation and validation of an account they are reporting. 



The XXXX tracking and certified receipt confirm that it was delivered and accepted. However, as of today, I have received no response, no validation, and no communication whatsoever from XXXX XXXX. 



Despite this failure to respond, they continue to report the account to the credit bureaus. This is a clear violation of the Fair Credit Reporting Act, as data furnishers must investigate consumer disputes and can not report unverifiable information. 

Resolution Requested : Immediate deletion of the XXXX XXXX tradeline from all credit bureaus Written confirmation of deletion Full compliance with FCRA XXXX ( a ) ( XXXX ) and FCRA XXXX Investigation into non-response after certified dispute was received

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 2025-07-13 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:
b'An old roommate used my personal information without my knowledge'

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 2025-07-13 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: Southwest Credit Systems, L.P.
State: OH

Complaint narrative:
In XX/XX/XXXX, Southwest Credit Systems began reporting a {$2300.00} collection account related to a XXXX  bill that was allegedly last paid in XX/XX/XXXX. I disputed the account with the credit bureaus and requested validation of the debt from Southwest Credit. In response, they only provided the first page of a XXXX bill showing my name and a balance. They did not provide any legally sufficient documentation to validate the debt, such as proof of ownership of the account, a full payment history, or a signed contract. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request proper validation of a debt, and this minimal documentation does not meet that standard. Despite this, Southwest Credit continues to report this as a valid collection, and they updated the comments to say the account Meets requirement of the Fair Credit Reporting Act, which is misleading and avoids addressing the validation failure. 

Furthermore, the last activity on the original account was in XXXX, yet this account was opened and reported in XXXX and was most recently updated in XX/XX/XXXX, suggesting possible re-aging of the debt to keep it on my credit longer, which would violate the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Im filing a complaint against Credit Acceptance Corp for predatory lending and deceptive financial practices.

I was issued a car loan with an APR of 21.99 % and charged nearly {$3000.00} in optional add-ons ( GAP & Warranty ) without fully understanding the terms.

My balance has barely gone down despite years of payments. The warranty was never used, and Im still being charged for services I can not benefit from.

I believe this loan structure is intentionally exploitative and is part of a pattern, as Credit Acceptance has been previously fined and sued for similar behavior.

Im requesting assistance canceling these products, reviewing my balance, and investigating these 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 explanation
Consumer complaint received 2025-07-14 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: NJ

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 2025-07-13 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: GA

Complaint narrative:
I mailed a certified dispute letter to XXXX XXXX XXXX on XX/XX/year>, to their official address at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. This dispute was sent in accordance with FCRA XXXX ( a ) ( XXXX ) and FCRA XXXX, requesting investigation and validation of an account they are reporting. 



The XXXX tracking and certified receipt confirm that it was delivered and accepted. However, as of today, I have received no response, no validation, and no communication whatsoever from XXXX XXXX. 



Despite this failure to respond, they continue to report the account to the credit bureaus. This is a clear violation of the Fair Credit Reporting Act, as data furnishers must investigate consumer disputes and can not report unverifiable information. 

Resolution Requested : Immediate deletion of the XXXX XXXX tradeline from all credit bureaus Written confirmation of deletion Full compliance with FCRA XXXX ( a ) ( XXXX ) and FCRA XXXX Investigation into non-response after certified dispute was received

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing a formal complaint regarding an account reported by XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( Account ending in XXXX XXXXXXXX ), which Equifax continues to report despite multiple disputes. 
I never received or signed any agreement with XXXX XXXXe for this account. I have repeatedly requested verification of ownership, including a copy of any contract bearing my signature, billing statements, or application, and none has been provided. Despite this, Equifax states the account was " verified, '' without providing proof of liability or evidence I authorized this account. 
Additionally, the reporting contains numerous inconsistencies in violation of the Fair Credit Reporting Act ( FCRA ) : The date of last payment is listed as XX/XX/XXXX, but charge-off reporting starts XX/XX/XXXX and continues every month through XXXX suggesting possible illegal re-aging of the debt ( FCRA 623 ( a ) ( 5 ) ).

The account is marked as disputed month after month, even after the investigation allegedly concluded. This is misleading and violates FCRA 607 ( b ), which requires credit information to be complete and up to date. 
Equifaxs reinvestigation response fails to satisfy FCRA 611, which requires a reasonable investigation. They did not include any documentation or evidence in support of their conclusion that the account is accurate.

I believe this account may be fraudulent or opened without my authorization. If XXXX XXXX or Equifax can not produce valid documentation, including a signed agreement, this entry must be immediately deleted from my credit file.

I am requesting the CFPB compel Equifax and XXXX XXXX  to provide full documentation or remove the entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: NJ

Complaint narrative:
I recently reviewed a copy of my credit report and notice had fraudulent accounts on my report please remove these accounts from my report they are hunting my ability to obtain credit thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am filing this complaint regarding XXXX credit card accounts with Capital One, ending in XXXX and XXXX. 

Both accounts were charged off and subsequently removed from my credit reports after successful disputes, due to the lack of legal verification linking them to my Social Security Number ( SSN ). 

To date, Capital One has not provided any contract, signed agreement, or documentation proving that either of these accounts is tied to my SSN or that I am legally liable for the balances. 

Despite this, both accounts still appear as " charged off '' in Capital One 's internal system, with balances of {$3100.00} ( ending in XXXX ) and {$3600.00} ( ending in XXXX ), as shown in the attached image. 

I am requesting that Capital One immediately : XXXX. Provide written confirmation that neither of these accounts is or was legally tied to my SSN, XXXX. Present any legally valid contract or documentation proving liability and use, XXXX. Close and archive both accounts internally, and cease any collection or recovery efforts. 



Any continued internal or external attempts to pursue these accounts without proper legal validation may be considered a violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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:
an old room mate used my credit and personal information without my permission

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: LA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) reported to a collection agency ( XXXX XXXX XXXXXXXX ). 
At no time has XXXX XXXX XXXX  sent me a bill detailing amount owed or for what they are billing. 
I have signed document of moving out of apartment and completed my lease. I was on the lease as a roommate not the owner of the lease. 
XXXX XXXX has my new address and has not sent me any information. I have called XXXX XXXX ( XXXX XXXXXXXX XXXX ) and they have no information on the collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: WA

Complaint narrative:
Company : Aidvantage Furnisher : Dept of Ed / Aidvantage Description : I am filing a complaint against Aidvantage for furnishing inaccurate and outdated negative information to the credit bureaus.

My student loan account ( opened XX/XX/XXXX ) is currently in deferment, yet Aidvantage continues to report delinquencies from XXXX to XXXX XXXX XXXX XXXX.

Violations : - FCRA 623 ( a ) ( 1 ) ( A ) - FCRA 623 ( a ) ( 2 ) I request that Aidvantage notify all credit bureaus and have this negative history deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XXXXXXXX XXXX XXXX  I noticed an American Express special points offer of " up to XXXX points " for a new XXXX card on their website as well as with affiliate partners. They advertise a " soft '' credit check that doesn't affect your XXXX XXXX unless you are approved and accept. 

I applied and was very quickly accepted however with only an XXXX points offer, less than half of the teaser offer. On XX/XX/year>, I called American Express 3 times and spoke to 3 separate people who essentially said the same thing. They all said its based on an algorithm and do not know what criteria are involved. I am a card holder with them for nearly 40 years with a credit rating of XXXX. They would not or could not tell me the qualifications needed to receive the XXXX points. One American Express agent admitted to getting a large number of calls/complaints on this exact topic. 

There is no way of knowing if anyone is receiving XXXX point with this " up to or as much as '' offer which clearly makes this false advertising. If some people are receiving the XXXX points then, at best, it is discriminatory because they don't provide information on how to qualify. 

Understand that these are not giveaways and you must spend {$8000.00} in six months to receive the points. I already have planned purchases that will more than double the required minimum spend. I realize I may not qualify because of spending habits, income, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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:
In accordance with 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I hereby formally demand that you produce a complete, legible copy of the original, signed consumer contract bearing my wetink signature the verifiable and validated proof which allegedly substantiates the abovereferenced accounts inclusion on my credit file.

Kindly note : duplicates, facsimiles, or electronically reproduced copies fail to meet the statutory standard of verification.

Pursuant to FCRA 609 ( a ) ( 1 ) ( A ), it is your legal obligation to obtain and provide authentic documentation substantiating the accuracy of any tradeline you report. Should you be unable to furnish such proof within 30 calendar days of receipt of this correspondence, you must effectuate immediate deletion of the account from all versions of my credit report.

Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) mandates that furnishers remove any information that can not be verified. Under 15 U.S.C. 1681o, negligent noncompliance renders your organization liable for actual damages, attorneys fees, and costs ; and under 1681n, willful violations may subject you to statutory damages and punitive awards.

Judicial precedent and regulatory enforcement reinforce this duty : Courts have imposed significant liability for failures to remove unverifiable or inaccurate data ( e.g., XXXX v. Equifax {$18.00} XXXX ; XXXX v. TransUnion {$5.00} XXXX ). 

The CFPB recently secured a {$15.00} XXXX settlement after systemic investigatory and procedural lapses. 

Accordingly, I require either : A certified copy of the original wetink signed agreement ; or Written confirmation that this account has been permanently deleted from all credit files you maintain. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: SC

Complaint narrative:
I tried to get the balance of a gift card from prepaidgiftbalance.com on XX/XX/year> that is for {$100.00} visa gift card. All I got was the run around from website to phone call ( XXXX ) and back to the website. They then wanted me to fax my personal info to XXXX and of course I'm not doing that! Appreciate your assistance with this scam!

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 2025-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: GREENSKY OPERATIONS, LLC
State: PA

Complaint narrative:
Back in 2019 XXXX XXXX XXXXXXXX visited my home late at night to try and sell me and my now ex-wife a window. As the night wore on, it came to be XXXX XXXX. whereupon I went up to bed. Before going to bed, I firmly stated that I am not signing anything and do not want to purchase anything, but the representative allowed my ex-wife to forge my signature on a loan for the window with her as a cosigner. When I attempted to cancel that I was told I was not able to and it was already in process. I have paid all but {$830.00} of a {$9000.00} window loan to green sky while my ex-wife paid nothing. I Came Upon the pink receipt that shows the forgery and have been working for the past year to get this resolved with XXXXXXXX XXXX XXXXXXXX and green sky, both of whom have not answered me back and refused to investigate further despite having physical evidence. Today I had received a picture from my ex stating that not only has this stuff been taken to the Credit Agencies but they are threatening to take us to court. In addition to that, she sent me a voicemail cussing me out and calling me a baby and told me to just pay it which I am not. I did not want nor did I sign for this window loan and have repeatedly stated and given evidence to which I've received no response.

Company response to consumer: Closed with explanation