vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 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: FL

Complaint narrative:
I am writing to file a formal complaint against Equifax regarding their failure to complete a proper reinvestigation and remove an inaccurate account from my credit report. I have previously disputed this item with Equifax, but they have failed to take the necessary action, while the other major credit bureaus, Experian, have already deleted the account. 
The inaccurate account is for XXXX XXXX XXXX. This is an account that originated with XXXX XXXX and was subsequently sold to XXXX XXXX XXXX. I have attached screenshots from my credit monitoring service that show Experian has successfully deleted both the XXXX XXXX and XXXX XXXX XXXX accounts. This confirms that these items are inaccurate and should not be on my credit report. 
Despite this clear evidence, Equifax has not complied. They have failed to conduct a thorough reinvestigation and have allowed this inaccurate information to remain on my credit report. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure the accuracy of the information they report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: OH

Complaint narrative:
In XX/XX/year>, I reviewed my credit, and found that my four student loans were delinquent. I had never been contacted regarding repayment by the servicer, Nelnet. No contact was made by postal mail or email. I receive daily emails from USPS Informed Delivery and never have received anything regarding my student loan repayment. I visited the Nelnet website to facilitate payments. This past month I attempted disputing the delinquencies via XXXX XXXX and received a resolved response with no explanation. These delinquencies have severely impacted my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
This company calls me multiple times a day almost every day. They are relentless!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I've been battling trying to correct this fraud situation since XX/XX/XXXX. I've filed 4 claims with this company and still not justice. I call the gift card company today ( XX/XX/XXXX ) to be told they only see one claim from me which is in XXXX that my claim was denied because funds were used. I then filed another claim XX/XX/XXXX and they claim now states it fraud and that i need to wait another 60 days for a response. I never received a response in the past as to what happen or the denial. I'm getting nowhere with getting this issue resolved. I've submitted documents XXXX XXXX, XXXX via email to XXXX. I've also emailed XXXX on several occasions and still nothing or no reply. I've called XXXX as well nothing. I would love to have this matter resolved and receive my gift card / funds. It will be approaching a year with nothing resolved.

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 monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am writing to file a formal complaint against LVNV Funding LLC regarding an alleged debt they are attempting to collect on behalf of XXXX  XXXX ( {$210.00} ). I have never received any written notification or validation of this alleged debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Despite never receiving any bills, notices, or communication from XXXX  XXXX or LVNV Funding LLC regarding this alleged debt, I recently became aware that LVNV Funding LLC has placed this account on my credit report and/or initiated collection efforts. This is deeply concerning as I have no knowledge of this account, never entered into any agreement with XXXX XXXX, and have not been properly notified or given the opportunity to dispute or verify the debt. This collection activity may constitute violations of the FDCPA and the Fair Credit Reporting Act ( FCRA ), including but not limited to : 1 ) Attempting to collect a debt that is not owed 2 ) Failing to provide written notice within five days of initial contact as required by 15 U.S.C. 1692g ( a ) 3 ) Potentially reporting false or unverifiable information to consumer reporting agencies I respectfully request the following actions : 1 ) An immediate investigation into this account. 2 ) A copy of any and all documentation LVNV Funding LLC or XXXX  XXXX claims supports the validity of this debt. 3 ) Immediate cessation of all collection activities until this matter is resolved and validated. 4 ) Removal of any negative entries from my credit report related to this account if it has been reported. 5 ) Written confirmation of the resolution of this matter. Please consider this a formal dispute of the alleged debt and a request for validation pursuant to the FDCPA. I also request a copy of your policies regarding consumer complaints and debt verification procedures.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are collection accounts listed on my report that I believe contain incorrect information Under 15 USC 1681e ( b ) and 15 USC 1681i I am entitled to an accurate credit report I am requesting a review of these entries and if they can not be verified as accurate they should be removed

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 2025-08-08 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: TX

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 2025-08-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: Auto Trakk, LLC
State: PA

Complaint narrative:
I do not owe a balance on this account. Ive asked for my credit card to be updated numerous times they failed to do so. They also are reporting an accurate last payment date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please consider removing this late payment from my account, as my history proves I am a timely and dependable payer.

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 2025-08-08 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I have been receiving letters and phone calls from National Credit Systems, whom Ive never had any dealings with, about a monetary debt. I requested a Validation of Debt via a certified US mailed letter. The letter was received by National Credit Systems on XXXX. As of today I have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts violate 15 USC 1666 I have always made my payments promptly and any discrepancies in this reporting are unjust and illegal

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: CA

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

Company 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 2025-08-08 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: MS

Complaint narrative:
LiftFund Hard Inquiry ( XX/XX/year> ) : On XX/XX/year>, a hard inquiry from XXXX appeared on my TransUnion credit report without my clear authorization. Under the Fair Credit Reporting Act ( FCRA ) 604 ( a ) ( 3 ), a hard inquiry is only permitted if there is a legitimate business need and full consumer consent. I was not properly notified that my credit would be hard-pulled, and I did not give clear, written authorization.

Pursuant to FCRA 611, I am formally disputing this inquiry and requesting that it be deleted within the required XXXX timeframe however, I ask that this matter be expedited and resolved within XXXX business days due to the unauthorized nature of the inquiry and its impact on my credit profile. 



Early Warning Systems Disputing Bank Account Reports : I am disputing negative or inaccurate information being reported by Early Warning Systems ( EWS ) concerning the following closed accounts : XXXX XXXX Account ending in XXXX Regions Financial Account ending in XXXX XXXX XXXX Account ending in XXXX XXXX  XXXX XXXX Account ( account number unknown ) Under FCRA XXXX & XXXX ( b ), consumer reporting agencies must maintain accurate and verifiable information. These accounts were either closed in good standing or are being misreported. If these records can not be verified by the reporting financial institutions, I request immediate deletion under FCRA XXXX ( a ). 

Failure to correct or remove inaccurate, outdated, or unverifiable information may result in legal action under FCRA XXXX and XXXX, which provide for damages in cases of willful or negligent noncompliance. 

Please investigate and respond promptly. I request written confirmation of the results of this dispute and removal of all unauthorized or inaccurate entries.

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 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have XXXX accounts that was opened and I wasnt aware of them and XXXX of my credit was a fraud charges and my credit card company did not do anything about it and it was unfair decision for me to be charged for when my credit was stolen and was charged

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have 3 accounts that was opened and I wasnt aware of them and two of my credit was a fraud charges and my credit card company did not do anything about it and it was unfair decision for me to be charged for when my credit was stolen and was charged

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
My name is XXXX XXXX and I am assigned with Navy federal bank and I deposited a check into my bank account and someone use my identity to call my bank and tell them it wasnt me that deposit a check so they put a restriction on my account for a couple of days and they unlock it so I can sign in back into my bank account and my check was gone and they charge me XXXX XXXX  overdrawn fee by XXXX and I never made any purchases because my bank account was restricted from me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: AZ

Complaint narrative:
Dear CFPB, I am filing this complaint because all three major credit reporting agenciesExperian, Equifax, and TransUnionare reporting unauthorized and fraudulent hard inquiries on my credit report. These inquiries are the direct result of identity theft. 

I have never applied for credit or authorized these companies to access my credit file. The companies that made these fraudulent inquiries include : XXXX XXXX XXXX XXXX XXXX ( multiple ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I have filed three FTC Identity Theft Reports ( Report XXXX. XXXX, XXXX, and XXXX ), which are attached Despite providing the credit reporting agencies with my FTC reports and written disputes, the fraudulent hard inquiries remain on my credit reports. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires the removal or blocking of information that results from identity theft when provided with appropriate proof.

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 2025-08-08 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: Post Lake Lending Inc.
State: FL

Complaint narrative:
I was paying interest instead of payments of the principal loan when I verified with customer representative that my payment installments would be going towards the loan of XXXX These are my last payments XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: TX

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 
I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity t
heft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: KY

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXX XXXX XXXX XXXX XXXX XXXX, KY, XXXX XXXX XXXX XXXX, XXXX, KY, XXXX XXXX XXXX XXXX XXXXXXXX, KY, XXXX DEPT OF EDUCATION/XXXX XXXXXXXX Balance : {$3700.00} XXXX XXXXXXXX XXXX XXXXXXXX : {$0.00}

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