vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 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: IL

Complaint narrative:
Recently, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian for conducting sham investigations into consumer credit report disputesfailing to properly investigate or verify disputed information as required by law. This public action validates my ongoing concern that my prior disputes may not have been handled with the due diligence and accuracy mandated under the Fair Credit Reporting Act ( FCRA ), specifically under 611 ( 15 U.S.C. 1681i ), which requires reasonable and thorough reinvestigation of disputed information. 
While the lawsuit specifically names Experian, it underscores a systemic problem among all credit bureaus in handling consumer disputes without due care. For this reason, I am requesting that you conduct a thorough, lawful reinvestigation of the unverified and inaccurate items on my credit report across the XXXX bureaus.

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 2025-11-12 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:
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 2025-11-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Central Research Inc
State: FL

Complaint narrative:
My loan servicer, Central Research , Inc. ( CRI ), has incorrectly reported a late payment for XX/XX/2025 to all three major credit bureaus ( XXXX XXXX XXXX XXXX ), which constitutes an inaccurate reporting of my account status and is severely impacting my ability to secure a mortgage. 
The delinquency is the result of a documented administrative error by CRI. 
Factual Timeline and Servicer Admission : 1. A payment was incorrectly reported as due on XX/XX/2025. 
2. I contacted CRI and initiated the process to have my XXXX XXXX applied. 
3. CRI has since confirmed and applied the correct loan status, stating that the account was placed into XXXX XXXX retroactively, effective XX/XX/2025. 
4. By backdating the deferment to XX/XX/2025, CRI 's own internal records now confirm that the required payment on XX/XX/2025, was {$0.00}. 
5. Despite acknowledging and correcting the loan status error, CRI has refused to correct the associated credit reporting error. 
6. The CRI representative instructed me to file a dispute directly with the credit bureaus. This is an unacceptable response, as CRI, as the data Furnisher, is solely responsible under the Fair Credit Reporting Act ( FCRA ) for correcting inaccurate data they reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation
State: ID

Complaint narrative:
I got a loan for {$800.00} on XX/XX/year>. As of today XX/XX/year> I have payed them {$1900.00} They say I have to pay them ~ {$3000.00} more the loan should have been paid off already. They are charging me {$100.00} in interest a week.

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 2025-11-12 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: CT

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 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am filing this formal dispute and complaint regarding a collection account that is being reported on my consumer credit file. The collection agency has failed to validate the debt accordance with FDCPA 809 ( b ) and continues to report inaccurate or unverifiable information in violation of the Fair Credit Reporting Act, 611 ( a ) and FCRA 623 ( a ) ( 1 ) ( ) .You are reporting this collection with a past due amount. Under FCRA 611 ( a ), consumers have the right to request an investigation into disputed items that are incomplete, inaccurate, or unverifiable. The lack of legal documentation makes this debt unfit for consumer reporting. Continued publication of this collection is harming my creditworthiness and violates my rights. 
This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SAN DIEGO COUNTY CREDIT UNION
State: FL

Complaint narrative:
I am requesting your assistance in notifying San Diego County Credit Union ( SDCCU ) that they need to initiate an official recall of the following wire transfer. I am the beneficiary of this transfer, and I am unable to access the funds due to a third-party hard hold placed by the receiving bank ( XXXX XXXX ). 

Sender : XXXX XXXX XXXX XXXX XXXX  : San Diego County Credit Union ( SDCCU ) Sender Account : XXXX Wire Sequence : XXXX Local Instrument Code : XXXX XXXX XXXX Transfer Wire Reference : XXXX Amount : {$70000.00} Date Sent : XX/XX/year> Receiving Bank : XXXX XXXX XXXX. 
Beneficiary : XXXX XXXX XXXX Beneficiary Account : XXXX Beneficiary Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, FL XXXX Reason for Recall XXXX XXXXXXXX placed a third-party hard hold on my account after the senders wire arrived. Because of this hold : I can not access or use the funds I can not release any corresponding value to the sender I can not complete the legitimate transaction we were engaged in Since the funds can not be used or released by me in any way, the only proper resolution is for SDCCU to initiate the official recall, so the sender can receive her original payment back. 



Beneficiary Consent I hereby confirm : 1. I do not dispute the recall of the {$70000.00} wire. 
2. I fully consent to SDCCU initiating the recall. 
3. I will fully cooperate with SDCCU, XXXX XXXX, and the CFPB. 
4. I can not complete the underlying transaction due to the hard hold.

SDCCU has my complete authorization to initiate the recall immediately.

Request to CFPB I respectfully request that the CFPB communicate with SDCCU and instruct them to : 1. Initiate the wire recall for the {$70000.00} transfer 2. Contact XXXX XXXX with the matching transaction reference 3. Process the return of funds to the sender 4. Provide documentation confirming that the recall has been initiated XXXX XXXX can not return the funds until SDCCU sends the recall request. My receiving bank has refused assistance due to the ongoing hold, making your intervention necessary. 



Thank you for assisting in resolving this matter through the proper banking procedures

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: CA

Complaint narrative:
XXXX XXXX XX/XX/year> And XXXX XXXX Bank XX/XX/year> made inquire to my report whit out my consent, I consider them not legitimate and fraugelent, please investigate and if companys in XXXX  days didnt provide proof, i woud like them to be removed from my Transunion LLC 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
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I sent a letter to midland credit management they show numbers with dollar amount but nothing else. Not showing that they now own the debt as collections they are hoping I give up and accept it!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: NC

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 2025-11-12 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: NC

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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Representing XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date : XX/XX/year> Subject : Formal Complaint Regarding Unverified Collection Account on Credit Report for XXXX XXXX XXXX I am writing on behalf of my client, XXXX XXXX XXXX XXXX to file a formal complaint regarding an unverified and potentially inaccurate collection account that continues to appear on her credit report. Despite multiple previous requests for a full investigation and removal of this disputed debt, the matter remains unresolved. 

XXXX XXXX has complied with all verification requests and has made repeated attempts to have the collection agency and the credit reporting bureaus provide proper validation of the alleged debt in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To date, no adequate documentation or verification has been provided. 

The continued reporting of this unverified debt is causing ongoing harm to XXXX XXXX credit standing and financial opportunities. As such, we are requesting that the CFPB conduct a thorough investigation into this matter to ensure full compliance with federal consumer protection laws and to facilitate the immediate removal of the disputed collection account from her credit file if proper validation can not be substantiated. 
Thank you for your prompt attention 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 explanation
Consumer complaint received 2025-11-12 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: CA

Complaint narrative:
I am writing to formally dispute the following accounts on my credit report that I believe contain inaccuracies. These items do not accurately reflect my credit history, and I respectfully request that each of these items be reviewed and corrected to ensure they are accurately reflected in my credit report. If any information can not be verified, I request that it be removed from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). 
Charged-Off Accounts : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$6900.00} XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00} XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$9400.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4800.00} XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$4600.00} Inquiries : XXXX Date : XX/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 2025-11-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: MI

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint regarding TrueAccord, who is attempting to collect an alleged debt on behalf of XXXX. This account appears only on my TransUnion credit report and is not listed with Experian or Equifax. I believe this reporting and collection activity violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Despite my dispute and request for validation, TrueAccord has failed to provide any legitimate proof that this debt is valid or that they are authorized to collect on behalf of XXXX. Under 15 U.S.C. 1692g ( b ) of the FDCPA, a debt collector must cease collection activities until debt validation is provided. Continuing to pursue or report the account without validation violates my consumer rights. 

Furthermore, the selective and potentially inaccurate reporting of this alleged debt violates several provisions of the FCRA, including : 15 U.S.C. 1681s-2 ( a ) : Prohibits furnishers from reporting information they know or should know is inaccurate.

15 U.S.C. 1681s-2 ( b ) : Requires furnishers to investigate and correct or delete disputed information after receiving notice of a dispute.

15 U.S.C. 1681e ( b ) : Requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. 

The fact that this account is reported only to TransUnion raises serious concerns about the accuracy, consistency, and legitimacy of the reporting. 

Requested Action I respectfully request that the CFPB : XXXX. Investigate TrueAccords collection and reporting practices concerning this alleged XXXX account. 
XXXX. Require TrueAccord and XXXX to provide full documentation verifying the debts validity, ownership, and authorization to collect. 
XXXX. Direct TransUnion to permanently delete this account from my credit file unless verified with complete documentation. 
XXXX. Ensure TrueAccord immediately ceases all collection efforts unless and until they are in full compliance with federal law. 

I request written confirmation that this matter has been reviewed and that corrective action has been taken to permanently remove any unverified or inaccurate data from my credit record. 

Thank you for your time and commitment to protecting consumers from unlawful collection and reporting practices. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I previously submitted a written dispute to DEPT OF EDUCATION/NELNET dated XX/XX/year>, regarding an account that is being inaccurately reported on my credit file. 
Despite providing all the necessary identifying information and requesting verification under the Fair Credit Reporting Act ( FCRA ), DEPT OF EDUCATION/NELNET has failed to respond, verify, or correct the information within the required thirty ( 30 ) days. Under 15 U.S.C. 1681s-2 ( b ), the furnisher of information is required to conduct a reasonable investigation once a dispute has been received. Since DEPT OF EDUCATION/NELNET did not provide any documentation to substantiate the accuracy of the reported account, they are now in noncompliance with federal law and continue to furnish unverifiable and misleading data to the credit bureaus. 
This inaction has caused harm to my consumer credit profile and has obstructed my efforts to maintain accurate and fair reporting. I am therefore seeking the CFPBs intervention to ensure DEPT OF EDUCATION/NELNET s immediate compliance with FCRA requirements. DEPT OF EDUCATION/NELNET XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: TX

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than XXXX  days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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