vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 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:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL, XXXX XXXX Equifax XXXX XXXX XXXX XXXXXXXX, GA XXXX Your Account Number : XXXX Account name XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: OH

Complaint narrative:
I have been actively trying to manage my federal student loans through the SAVE repayment plan. Despite repeated attempts to obtain a complete and accurate payment history from my loan servicer, Nelnet, I have been unable to get full documentationespecially for the period covering the COVID forbearance.

I have submitted multiple inquiries through Nelnets contact form and sent emails, but have not received satisfactory responses or the necessary information to confirm my payments and forbearance months are properly recorded.

Additionally, when I tried to file a complaint through the Federal Student Aid Feedback Center, the website repeatedly failed to accept my submission with an error message.

Because of these issues, I am concerned that errors in my loan account history may impact my eligibility for forgiveness under federal repayment plans.

I am requesting assistance in obtaining a complete and accurate loan history and ensuring my account is properly managed going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bounce AI, Inc.
State: FL

Complaint narrative:
I am being pursued by Bounce AI for a debt related to a property I leased in Florida, managed by PMI XXXX XXXX and originally handled through XXXX. My lease ended on XX/XX/year>2024. 

According to Florida law ( Chapter 2023-181, Section 83.491 ), a landlord must notify tenants of charges within 30 days of lease termination. In my case, the inspection was conducted on XX/XX/scrub>, 2024 ( over 30 days later ), and no timely notice was sent. These charges are therefore invalid and unenforceable. 

I formally disputed the charges with the property manager and XXXX, referencing Florida law and providing evidence ( photos and inspection reports ) showing that some damages were pre-existing. XXXX refused to acknowledge the invalidity of the claim and transferred the case to Bounce AI. 

I have now received collection notices threatening to impact my credit. This is illegal and in violation of both Florida landlord-tenant law and the Fair Debt Collection Practices Act ( FDCPA ). I am requesting that all collection efforts cease and that this debt not be reported to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
My car was repossessed by Ally Financial, I communicated with the bank and they requested from me to make a payment of {$2700.00}. I made the payment and what the bank did was to move the car to another location from the location of the impound company. The bank moved the car 2 hours away from my house to an auction company in Connecticut, the car was in New York. At this point I don't have any information where can I get my car back and Ally Financial is not providing any information of the issue. 

XXXX XXXX XXXX  Ally Financial account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Complaint Against : XXXX  and National Credit Systems I, XXXX XXXX, am submitting this complaint due to repeated violations of the Fair Credit Reporting Act ( FCRA ) by both XXXX  and National Credit Systems ( NCS ). I am also reporting inaccuracies and unfair practices that have caused long-term harm to my credit report. 

Background : The debt in question originated with XXXX XXXX  and was passed to National Credit Systems, who reported it to XXXX. The account was opened on XX/XX/XXXX, and lists a balance of {$2900.00}. However, the original debt collector transmitted an incorrect and inflated amount to NCS, which was then falsely reported to XXXX. 

For several years, I have submitted disputes to both NCS and XXXX  regarding these inaccuracies. NCS continued to report the wrong amount until I contacted the original property manager, who acknowledged the incorrect reporting and agreed to reduce the balance. Despite this, NCS failed to correct the reporting with XXXX. 

FCRA Violations & Inaccuracies : The account contains multiple " Invalid date '' entries under the payment history on my XXXX  report, violating FCRA 1681e ( b ), which requires credit bureaus to maintain accurate and complete information. 

XXXX  has repeatedly mishandled disputes regarding this account. Despite previous investigations and my submission of documentation, XXXX  concluded with vague or contradictory results and refused to correct or remove the account. 

The Date of First Delinquency ( DOFD ) appears to be misreported or omitted. Based on standard reporting guidelines and the account history, the XXXX reporting period under FCRA 1681c ( a ) ( XXXX ) should expire this year ( XXXX ). The account is scheduled to remain until XX/XX/XXXX, but that exceeds the allowed time frame based on the actual delinquency timeline. 

Credit bureaus routinely remove such accounts XXXX  months early to remain compliant with federal law and avoid consumer harm. Despite this, XXXX refuses to remove the account. 

XXXX  initially confirmed it would remove the account, then backtracked, further violating FCRA standards and causing ongoing harm. 

Current Status on Report ( XXXX  ) : Account Name : NATIONAL CREDIT SYSTEMS Original Creditor : XXXX XXXX Date Opened : XX/XX/XXXX Status : Collection On Record Until : XX/XX/XXXX Payment History : Collection status shown monthly from XXXX with multiple " Invalid date '' entries

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: DC

Complaint narrative:
I recently checked my credit reports and noticed billing errors, incomplete, and inaccurate information. You are in serious violation of the United States Code Law ( TILA ) 15 U.S. Code 1666 ( b ), billing error.

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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Subject : Urgent Action Required Case # XXXX Denial of Access to Credit Report To Whom It May Concern, I am writing to formally express my deep concern and frustration regarding the ongoing issue with my TransUnion credit report access, which remains unresolved despite my repeated attempts to obtain assistance. 

On or around XX/XX/scrub>, 2025, I was notified by XXXX.comone of several credit monitoring and repair services I subscribe tothat they were unable to access my TransUnion report. This unexpected denial of access is not only negatively impacting the services I pay for, but is also directly affecting my ability to apply for credit, rent housing, or qualify for a home loan with institutions that rely on TransUnion data. 

I contacted TransUnion customer service both by phone and online on XX/XX/XXXX and again on XX/XX/XXXX. During the XX/XX/XXXX chat, I was informed by a representative that the issue was identified, and Case # XXXX was opened for a supervisor to resolve the problem within approximately three business days. As of today, XX/XX/XXXX, 2025over two weeks laterI have received no updates, and the issue remains unresolved. Further inquiries to TransUnion have yielded no meaningful information or progress. 

This delay is unacceptable and is causing tangible harm to my financial wellbeing. I am paying for services I can not fully use due to TransUnions failure to resolve an internal issue. 

I respectfully demand the following : Immediate resolution of Case # XXXX and restoration of full access to my credit report. 

A written explanation of what caused the block and the steps taken to correct it. 

Confirmation that this issue will not negatively impact my credit or any future credit-related actions. 

Compensation or credit for the disruption and hardship caused by this delay. 

If this matter is not resolved within 5 business days, I will be forced to escalate the complaint to the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory bodies. I will also explore legal options, as I am experiencing financial harm due to your companys inaction. 

I expect a timely and appropriate response to this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-06-18 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: CA

Complaint narrative:
b"There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently.\n\n\nFRAUDULENT ACCOUNTS:\n\n\tXXXX XXXX XXXX Date OpenedXXXX XXXXn\n\tXXXX XXXX XXXX Date Opened: XXXX\n\n\n\nUNAUTHORIZED INQUIRIES:\nExperian\nXXXX XXXXt\tXXXX\n\XXXX  XXXX XXXX\tXXXXXXXX\n\XXXX/XXXX  XXXX\tXXXX\n\n\nTransUnion\n\tXXXX XXXX XXXX\tXXXX4\n\XXXX  XXXX\n\tXXXX XXXX\n\tXXXX XXXXtXXXX\n\n\nEquifax\n\tXXXXI-1\tXXXXn\XXXX/XXXX\XXXXXXXX

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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
b"There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently.\n\n\nFRAUDULENT ACCOUNTS:\n\n\tXXXX XXXX XXXX Date OpenedXXXX XXXXn\n\tXXXX XXXX XXXX Date Opened: XXXX\n\n\n\nUNAUTHORIZED INQUIRIES:\nExperian\nXXXX XXXXt\tXXXX\n\XXXX  XXXX XXXX\tXXXXXXXX\n\XXXX/XXXX  XXXX\tXXXX\n\n\nTransUnion\n\tXXXX XXXX XXXX\tXXXX4\n\XXXX  XXXX\n\tXXXX XXXX\n\tXXXX XXXXtXXXX\n\n\nEquifax\n\tXXXXI-1\tXXXXn\XXXX/XXXX\XXXXXXXX

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 2025-06-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
Im a Texas resident filing a complaint against Affirm ( Loan ID : XXXX ) for denying my dispute over a {$4400.00} loan for XXXX XXXX XXXXXXXX XXXX a fraudulent course by XXXX The merchant promised easy approval lender connections, shown in my screenshot and video, but never delivered, ignoring requests or demanding more money. I relied on this for business financing. Affirm denied my dispute, citing the merchants no-refunded policy, despite the Texas DTPA voiding it for false advertising. Their system blocked my email/video evidence, and they refuse to pause payments, harming my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: MO

Complaint narrative:
RE : Formal Demand for Deletion of Inaccurate Accounts Accounts Challenged : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX  Upon detailed review of my consumer credit report, I have identified multiple violations of federal law regarding the reporting of these XXXX accounts. 

You are knowingly furnishing inaccurate, unverifiable, and misleading data in violation of the Fair Credit Reporting Act ( XXXX XXXX. XXXX ( b ) - maximum possible accuracy ), XXXX XXXX Compliance ( XXXX XXXX XXXX XXXX XXXX ), and XXXX XXXX. XXXX ( a ) ( failure to conduct a lawful reinvestigation ). 

I hereby demand : Full deletion of the above accounts due to lack of verifiable evidence, absence of permissible purpose under XXXX XXXX. XXXX, and willful non-compliance with the required investigation procedures. 

Provide complete documented evidence, including original application, wet signature, payment history, and full chain of custody records, as required for data furnishment under XXXX XXXX standards. 

Cease using automated form-letter responses in violation of XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ) ( XXXX ). Each dispute must be independently investigated based on its own merit. 

You have XXXX days from receipt of this notice to fully comply. Failure to do so will result in formal complaints with the CFPB, FTC, State Attorney General, and possible legal action for statutory damages under XXXX XXXX XXXXXXXX and XXXX for willful and negligent non-compliance. 

This is your opportunity to correct these violations before escalation.

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 2025-06-18 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: TX

Complaint narrative:
I am writing to formally request the removal of fraudulent information from my credit report. I am a victim of identity theft, and upon reviewing my credit file, I have discovered multiple accounts and inquiries that were neither authorized nor applied for by me. These items are incorrect and do not belong to me.

In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you block and remove all unauthorized accounts and inquiries from my credit report. Enclosed, please find a list of the disputed items, along with a copy of my Identity Theft Report, which I filed with the Federal Trade Commission.

I respectfully ask that you take prompt action to investigate and remove these fraudulent entries from my credit file. Once the corrections have been made, I request written confirmation from your office indicating that the necessary updates have been completed.

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 2025-06-18 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: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
On XX/XX/year>, I submitted a formal dispute and request for debt validation to Midland Credit Management regarding an account they are reporting to the credit bureaus. As of today, they have not provided any documentation verifying that the debt is valid or belongs to me. 

Despite failing to validate the debt, Midland continues to report this account to all three credit bureaus. This account is negatively impacting my credit score and is directly preventing me from securing stable housing and obtaining necessary credit increases. 

Under the Fair Debt Collection Practices Act ( FDCPA ), a debt collector must stop all collection activity, including reporting to the credit bureaus, until the debt has been properly validated. Their ongoing reporting, without proof of the debt, is unfair and harmful. 

I urgently request that this account be deleted from all consumer credit reporting agencies immediately, as it is causing serious financial and personal hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$620.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$860.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES 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 explanation
Consumer complaint received 2025-06-18 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: DE

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 non-monetary relief
Consumer complaint received 2025-06-18 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: MI

Complaint narrative:
XX/XX/year> a credit inquiry notification was sent to me from my alerts. I was notified that XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX. TX XXXX Phone ( XXXX ) XXXX obtained a copy of my report and left an inquiry on my report. I contacted XXXX XXXX XXXXXXXX via telephone at ( XXXX ) XXXX & ( XXXX ) XXXX on XXXX occasions, XX/XX/year> & XX/XX/year> and no one has been able to help rectify the situation & remove the unauthorized inquiry from my report. 


I have not completed or signed any applications, I do not do any business with XXXX XXXX XXXXXXXX. This unauthorized inquiry is causing a hardship, I am making a very important purchase in the near future. I would like this unauthorized inquiry removed from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation