vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: Netspend Corporation
State: CA

Complaint narrative:
The company is not honoring the promotional offer they had listed on the website of opening an account, direct depositing {$400.00}, to earn {$200.00} to be credited within 5 days of the direct depositing.

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 2025-07-21 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: FL

Complaint narrative:
According to the law 15 USC 1681c-2 it is illegal to report anything on my credit report without my knowledge. Please remove this inaccurate account off of my credit report. Account Number XXXX XXXX XXXX XXXX XXXX : XXXX ref # : XXXX Thank you.

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 2025-07-21 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: VA

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 Services , 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 : XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$1400.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XXXX, Balance : {$440.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$500.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$55.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$00.00} INQUIRIES : XXXX XXXX XXXX  Date : XXXXXXXX XXXX XXXX XXXX Date : 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 2025-07-21 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: TX

Complaint narrative:
I am submitting this complaint because I have experienced a significant drop in my XXXX XXXX ( over XXXX points ) due to the improper reporting of late payments during periods of active student loan deferment. 

According to the Fair Credit Reporting Act ( FCRA ) : FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] states that credit reporting agencies and furnishers must follow reasonable procedures to assure maximum possible accuracy of the information reported. 

Reporting late payments during an officially documented deferment period is inaccurate and misleading, and violates this section of the law. 

Additionally, the Consumer Financial Protection Bureau and Department of Education XXXX make it clear that : No late payments should be reported while a federal student loan is in deferment, forbearance, or grace period status. 

Despite this, multiple accounts on my credit report reflect derogatory late payments on XXXX XXXX XXXX XXXX XXXX, which have either been in deferment since as early as 2006 or are still actively deferred. 

I have attached supporting documentation ( see attached credit report segment ), which clearly shows the accounts are in open, deferred status and have no past due balance yet still list derogatory " Late 60 Days '' or Current status following prior lates. 

Harm Done This false reporting has caused : A severe drop in credit scores ( over XXXX points ) Denial of credit-based opportunities Emotional and financial stress

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against all three major credit reporting agencies XXXX, Experian, and TransUnion for continuing to report inaccurate and unverified information on my credit reports in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/year>, I initiated a formal dispute with each bureau regarding a questionable account reported by : The details of the account in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened : Data Unavailable I also requested debt validation directly from the creditor as allowed under 15 U.S. Code 1692g of the FDCPA. The creditor has failed to provide proper debt validation documentation within the legally required time frame. Despite this, the credit bureaus have continued to report this unverifiable account, which is in direct violation of FCRA 1681i ( a ), which requires deletion or correction of inaccurate or unverified information. 

I have attached : Copies of my original dispute letters sent to the credit bureaus Copies of my request to the creditor for debt validation Proof of delivery and communication Updated credit reports showing the continued presence of the disputed item I am requesting that the Consumer Financial Protection Bureau : Investigate the failure of XXXX, Experian, and TransUnion to fulfill their legal obligation to remove unverifiable information Ensure that the unverified account is deleted from my credit files Take appropriate enforcement action to prevent this from recurring I respectfully ask for your assistance in resolving this matter. Thank you for your time and attention.

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 2025-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
On XX/XX/year> I opened a checking account with Wells Fargo in the city of XXXX XXXX IA, I don't make many movements to the account. 
On XX/XX/XXXX a friend of mine asked to me if she could deposit a pay check from her job for {$840.00} I didn't see any problem and accepted. 

On XXXX, my friend asked me again if she could deposit her pay check in to my account. in this time she deposited {$1600.00} for two weeks of work. 

on XX/XX/year> wells Fargo send me via APP that on XXXX my account whit them would be canceled for having received XXXX or more paid credits from people who are not in my bank account. 
on XX/XX/XXXX I went to the bank branch where i opened the account and an executive contacted via phone to the area in charge and she told me that money I have in the account would not be returned to me until I fine some requirements that I can't comply. 

Days later on XXXX i had received the same information via mail. 


thanks

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 2025-07-21 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I am filing a complaint against The XXXX XXXX XXXX in XXXX, Texas for deceptive and unfair billing and collection practices. 

I paid a {$75.00} application fee for an apartment that was later revealed to be in a different building than what was advertised online. I declined to proceed, and management agreed to refund the application fee. However, I never received the refund, so I requested a reversal from my bank. 

Months later, I received a bill for {$85.00}, which I discovered was the propertys chargeback fee from the bank, not the original application fee. Despite this, The XXXX has misrepresented the charge as an unpaid balance, sent it to collections, and is now threatening my credit. 

This is a deceptive attempt to pass their banking costs onto me, even though I was never reimbursed and acted in good faith based on their agreement to issue a refund.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: NC

Complaint narrative:
* * XXXX XXXX * * XXXX XX/XX/year> XXXX XXXX LVNV Funding, LLC XXXX XXXX  XXXX XXXX XXXX XXXX, SC XXXXXXXX XXXX XXXX  RE : Dispute of Alleged Debt Request for Full Validation under FCRA Section 609 XXXX XXXX XXXX XXXX  Reference Number : XXXX XXXX XXXX XXXX XXXX  Alleged Balance : {$730.00} * * To Whom It May Concern, This letter is a formal dispute regarding the collection account you have listed under reference number XXXX XXXX  XXXXXXXX XXXX XXXX, associated with an alleged balance of XXXX XXXX {$730.00} XXXX XXXX  for XXXX XXXX. Under the XXXX XXXX Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681g * *, and the * * Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g * *, I am requesting full validation of this alleged debt. Please provide the following : * A * * copy of the original signed contract * * or agreement bearing my wet signature; * A full * * itemized breakdown * * of the {$730.00} balance and how it was calculated ; * Proof that you are legally authorized to collect on this debt; * The * * name and contact information of the original creditor * *, and any related account numbers. All documentation must be sent * * by email only * * to the address listed above. Do not send anything to my physical mailing address. Until you provide the requested validation, you are required to * * cease all collection activity * * and ensure that the account is reported as * * disputed * * with all credit reporting agencies. If you are unable to validate this account, it must be * * immediately removed * * from all credit reports in compliance with the FCRA. This is a good faith effort to resolve this matter. Please respond within 30 days. Sincerely, * * XXXX XXXX * *

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: SC

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
XXXX. XXXX XXXX {$7500.00} # XXXX XX/XX/XXXX XXXX. XXXX {$0.00} # XXXX XX/XX/XXXX XXXX. XXXX XXXX {$15000.00} # XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX  XX/XX/XXXX XXXX. XXXX XX/XX/XXXX ( XXXX ) XXXX. XXXX XX/XX/XXXX ( XXXX ) XXXX. XXXX XXXX XXXX XX/XX/XXXX ( Inquiry ) XXXX. XXXX XX/XX/XXXX ( XXXX ) XXXX. XXXX XX/XX/XXXX ( XXXX ) XXXX. XXXX XX/XX/XXXX ( XXXX ) XXXX. XXXX  XXXX XX/XX/XXXX ( XXXX ) XXXX. XXXX XX/XX/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 2025-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
I was contacted on XX/XX/XXXX by a person identifying himself as " XXXX XXXX, with the XXXX  department of USAA ''. He stated there was fraud on our account and he wanted to assist me in protecting our account. 

One week earlier, I had been in a serious vehicle collision which resulted in my XXXX XXXX XXXX being declared a total loss. I sustained a serious XXXX  ( diagnosed by an ER physician on XX/XX/XXXX ). I was experiencing severe headaches, dizzyness, confusion, as well as an inability to process information. 

On the next day, " XXXX XXXX '' phoned to inform me of the " fraud ''. He texted me the credentials for my accounts. I later learned he had accessed my wife 's accounts, disputed our mortgage payments for 3 months and transferred those provisional assets along with my wife 's balances to my account. He then insisted that I assist with catching the fraudster by using my debit card at a local bank to make a " dummy '' transaction, which I stupidly did. Within XXXX minutes of that event I contacted USAA to report the fraud.

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 2025-07-21 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: IL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TX

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a XXXX '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear XXXX XXXX XXXX, I am writing to formally dispute and request the removal of all negative accounts, collections, charge-offs, hard inquiries, and other derogatory marks currently listed under my credit profile. 

In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681g and 1681i, I have exercised my legal right to request verification and validation of each debt allegedly associated with me. Specifically, I requested copies of any original signed contracts or agreements bearing my signature that substantiate my legal responsibility for these accounts.

To date, none of the creditors or collection agencies have provided any original documentation bearing my signature to verify the validity of these debts. As such, under FCRA Section 609 ( a ) ( 1 ), you are required to provide all information in your files, including sources and original documentation. Failing to do so constitutes a violation of both federal and consumer rights protections. 

Additionally, continued reporting of unverified and unvalidated accounts violates FCRA 611, which mandates that all information must be accurate and verifiable. If the credit reporting agencies can not verify the information within XXXX XXXX, it must be deleted from the consumers credit file. 
Therefore, I am formally demanding the immediate removal of all unverifiable and inaccurate items from my credit report, including but not limited to : All negative balances Collections accounts Charge-offs Hard inquiries Any derogatory information not supported by verified, signed agreements.

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 2025-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PNC Bank N.A.
State: NC

Complaint narrative:
Contacted PNC Bank on XX/XX/year> to request information regarding an account that was attempting to be collected on. The representatives would and could not provide any information for me to further validate or dispute this debt. I have attached an identity theft report and am requesting collection to cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
I enrolled in the Public Service Loan Forgiveness ( PSLF ) program in XXXX and have consistently submitted required paperwork and annual employment certifications. However, when reviewing my payment history through my Federal Student Aid account, I noticed that my payment records only go back to XX/XX/XXXX. I graduated in XX/XX/XXXXXXXX  and began making payments shortly thereafter, so Im missing approximately 10 years of payment history.

Ive attempted to resolve this issue multiple times, but keep getting referred in a loop between XXXX, Federal Student Aid, XXXX XXXX, and Navient. Each party directs me back to the other, and Im not receiving a clear answer or resolution. 

Can someone please assist in researching and recovering my full payment history? I want to ensure all of my qualifying payments are properly reflected toward my PSLF eligibility. If there are specific steps or documentation required from my side, please let me know. 

I appreciate your help in breaking this cycle and getting this resolved.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-21 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: OH

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 explanation
Consumer complaint received 2025-07-21 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 concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-21 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: AR

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