vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 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: TX

Complaint narrative:
XXXX XXXX XXXX is attempting to collect a debt and has reported it to all three credit reporting agencies Experian, XXXX, and XXXX without providing any legal validation or proof that the debt belongs to me. 

I sent a formal written debt validation request under the Fair Debt Collection Practices Act ( FDCPA ). XXXX XXXX responded only with a billing summary, which is not sufficient proof. They did not provide : A signed agreement or contract A full accounting or history of the debt Legal documentation proving they have the right to collect the debt Proof they are authorized to collect in the state of Texas Despite this, the collection account is being reported to all three credit bureaus and is negatively affecting my credit profile. 

I am requesting that this account be immediately and permanently removed and blocked from Experian, XXXX, and Equifax, and that XXXX XXXX XXXX be held accountable for reporting unverifiable information in violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

This matter needs to be resolved within XXXX ( XXXX ) business days and I would like confirmation once it is fully removed from all credit reports.

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 2025-07-17 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: TX

Complaint narrative:
XXXX XXXX XXXX is attempting to collect a debt and has reported it to all three credit reporting agencies XXXX TransUnion, and XXXX without providing any legal validation or proof that the debt belongs to me. 

I sent a formal written debt validation request under the Fair Debt Collection Practices Act ( FDCPA ). XXXX XXXX responded only with a billing summary, which is not sufficient proof. They did not provide : A signed agreement or contract A full accounting or history of the debt Legal documentation proving they have the right to collect the debt Proof they are authorized to collect in the state of Texas Despite this, the collection account is being reported to all three credit bureaus and is negatively affecting my credit profile. 

I am requesting that this account be immediately and permanently removed and blocked from XXXX, TransUnion, and XXXX, and that XXXX XXXX XXXX be held accountable for reporting unverifiable information in violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

This matter needs to be resolved within XXXX ( XXXX ) business days and I would like confirmation once it is fully removed from all credit reports.

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX Nelnet reported incorrect information to XXXX  stating my loan was delinquent. I was supposed to be placed on in school deferment since XX/XX/year>. I disputed the reporting with proof and the fixed the information on their site but refuse to respond to XXXX dispute. I asked XXXX if I can just submit the corrected info on the dept of educations site to show they fixed it, but XXXX said they need a direct response from Nelnet themselves. Never continues to deny receipt of dispute even though a report number was provided to them by evleisn and the dept of education who also filed a complaint on them. Earlier Nelnet had asked they I do not file a dispute and to gave them correct it internally in XXXX days and they are not required to go by my time to correct the false reporting or obligated to respond to XXXX XXXX confronted Nelnet with proof they are just waiting on their response and Nelnet hung up the phone in our faces. We called back and the service professionals were severely unprofessional laughing and stating file your complaint we dont have to respond to anything and if you keep bothering us well make you wait the entire XXXX days. This incorrect reporting by never has cause severe damage to my credit score and dropped it XXXX points. I am in the process of applying for an XXXX XXXX will be denied. The agents are antagonizing me on the line saying fall in line with all the other accounts that we have to fix. I am in a XXXX XXXX XXXX and this has caused XXXX XXXX and consumed a lot of time. They have stated multiple times to sue them and they dont care. I have multiple recorded calls. They called and left a voicemail stating XXXX did not send them a dispute. When XXXX  came on the line to confront the lie an agent named XXXX with Nelnet dropped the phone call. This is financial bullying and blackmail. Every call has been recorded if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: NY

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-07-17 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: CA

Complaint narrative:
XXXX writing this with frustration that has built up over time. There are multiple errors on my credit report that continue to hold me back financially. These mistakes are not just numbers on a screentheyve affected my credit score, blocked my opportunities, and kept me from gaining the financial stability Ive worked hard for.

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 2025-07-17 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: CA

Complaint narrative:
XXXX writing this with frustration that has built up over time. There are multiple errors on my credit report that continue to hold me back financially. These mistakes are not just numbers on a screentheyve affected my credit score, blocked my opportunities, and kept me from gaining the financial stability Ive worked hard for.

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX writing this with frustration that has built up over time. There are multiple errors on my credit report that continue to hold me back financially. These mistakes are not just numbers on a XXXX affected my credit score, blocked my opportunities, and kept me from gaining the financial stability Ive worked hard for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
XXXXXXXX XXXX XXXX purchased my debt from an account that I was making payments on and then hired a law firm to threaten law suit including garnishment of my check. After I disputeed the collection they attached it to my credit file and damaged my credit. I have since payed the debt in total but the have not removed it my credit profile

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 2025-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I opened a new XXXX Checking account online with Regions Bank. There is an advertisement on their website for a {$300.00} welcome bonus upon being approved for a new checking account and making an XXXX deposit of XXXX XXXXXXXX within 90 days. I applied for the account via this offer. Today, XX/XX/XXXX, I logged into my Regions account and navigated to their Offer XXXX page. This is where you can view your progress towards meeting the welcome offer. I saw my offer showing, but for some reason it showed " Excluded '' under the status, implying that I was not eligible for some reason. 

I chatted with a customer service rep via the Regions mobile app, who informed me that because I had opened an account within the past year, I was not eligible for the offer. However, I have not opened a new account within the past year and I told this to the XXXX She saw this on her end and acknowledged it, telling me to call in to speak with someone. 

I then called the customer service number for Regions and was transferred to the " XXXX Accounts '' department. I spoke to someone who upon initially looking into the bonus, said I should be eligible. She put me on a lengthy hold to speak with a supervisor, then came back on the line and told me the supervisor said the reason I was ineligible was that I had a previous account that I closed in XXXX of XXXX. I told the rep that the terms for this current offer explicitly state " Persons who had a personal Regions checking account within XXXX year prior to new account opening are ineligible for this offer. '' It says XXXX year, implying the past XXXX  days. The rep then acknowledged it was misleading wording but said there was nothing that could be done.

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 2025-07-17 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: TX

Complaint narrative:
I request the following information per the FCRA 15 USC 1692 ( g ). 

XXXX. Detailed list of the history of payments made by me on this account, XXXX. Original contract with my signature authorizing this debt and guaranteeing I would pay this creditor XXXX. Have there been any insurance claims filed on this debt XXXX. The Purchase agreement XXXX. Proof of the chain of title you have to collect on this debt.

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 2025-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ARS National Services, Inc.
State: TX

Complaint narrative:
I am disputing a debt that XXXX XXXX XXXX is attempting to collect on behalf of XXXX XXXX XXXX ( XXXX ), allegedly originating from XXXX XXXX XXXX On or around XX/XX/year>, I received a response from ARS that fails to meet the legal requirements for debt validation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and Regulation F.

The company did not provide a signed agreement, itemized accounting, or chain of title showing PRA owns the alleged debt. No documentation was included to confirm that I am legally responsible for this account.

Additionally, ARS enclosed multiple pages of financial documents for a different individual ( XXXX XXXX XXXX ), including XXXX XXXX credit card statements issued by XXXX. This raises serious concerns regarding consumer privacy violations under FDCPA 1692c ( b ), the Fair Credit Reporting Act ( FCRA 1681b ), the Gramm-Leach-Bliley Act ( GLBA ), and applicable Texas laws.

This privacy breach could result in identity confusion or harm. I have already filed a prior complaint, but this new response adds significant concern and legal violations. I am requesting that all collection activity stop immediately, that the debt be removed from my credit reports if reported, and that the CFPB investigate both the failure to validate and the release of third-party financial data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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:
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. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
I took out a {$100.00} loan through Chime Financial. I no longer bank with them. They refuse to let me repay the loan using my current bank account. I have to re-open a Chime bank account in order to repay the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: CA

Complaint narrative:
I filed formal disputes with the credit bureau concerning inaccurate and unverifiable accounts on my credit report.

Under the Fair Credit Reporting Act ( FCRA 611 ( a ) ), the bureau is required to conduct a reasonable reinvestigation within 30 days, consult with the original furnishers, and provide me with written verification or remove the information if it is unverifiable.

Instead, the bureau appears to rely on automated systems ( such as eOSCAR ) without requesting or reviewing original source documents, in violation of its duty to maintain maximum possible accuracy under FCRA 607 ( b ) / 15 U.S.C. 1681e ( b ). 
The XXXX XX/XX/year> enforcement action against Equifax ( resulting in a {$15.00} XXXX penalty ) confirms that these automated or superficial checks do not meet the reinvestigation requirements of the law. 
I requested detailed information about their reinvestigation process and copies of any verification or certification they obtained from the furnishers. They failed to provide this documentation and have continued reporting the disputed items without proof. 

XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX26 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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:
XX/XX/XXXX To : LEGAL DEPARTMENT TRANSUNION CREDIT REPORTING AGENCY XXXX XXXXXXXX XXXX XXXX PA XXXX EXPERIAN CREDIT REPORTING AGENCY XXXX XXXXXXXX XXXX XXXX TX XXXX Subject : Formal Dispute of Inaccurate Charge-Off Reporting Re : Account with XXXX XXXX Account Number : XXXX Re : Account with XXXX XXXX  Account Number : XXXX Re : Account with XXXX XXXX Account Number : XXXX Re : Account with XXXX XXXX Account Number : XXXX Dear CREDIT REPORTING AGENCYS I am writing to formally dispute inaccurate and misleading information being reported on my credit file concerning the above-referenced account. The account in question is being reported as charged off every month, which is factually and legally incorrect. 

A charge-off is a one-time accounting event that marks the account as a loss for the creditor. However, this item is being re-reported monthly as if the charge-off is occurring repeatedly, which is inaccurate and results in continued damage to my credit profile.

Under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681e ( b ) ( reasonable procedures to assure maximum possible accuracy ) and 15 U.S.C. 1681i ( a ) ( duty to reinvestigate ), I am requesting that you investigate this matter and have this account updated or removed accordingly. 

Please conduct a thorough investigation and provide me with a written confirmation of your findings. If the data furnisher can not verify the accuracy of this repeated charge-off status, it must be deleted from my credit file in accordance with federal law. 

Attached are copies of my identification and a copy of my credit report highlighting the inaccurate reporting for your reference. 

Thank you for your attention to this matter. Please respond within the required 30-day timeframe under the FCRA. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-07-17 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: NY

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( 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 non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: OH

Complaint narrative:
I deposited money into my Robinhood account and then they froze it refused to answer questions they won't give me any information they won't give me a reason why they close my account they won't tell me when they're going to give me my money nothing.

Company response to consumer: Closed with explanation