vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-22 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: GA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy.Here is the account I am asking you to verify as accurate. 

Account : XXXX 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 2025-03-22 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: GA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy.Here is the account I am asking you to verify as accurate. 

Account : XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
It is tax season. I need to retrieve my form XXXX from Navient, my loan servicer. However, Navient has sold or transferred my loan to XXXX. XXXX has not acknowledged that they now are my servicer. Navient has closed the login portal. This leaves me unable to retrieve my XXXX, view my account balance, make a payment, or prevent myself from suffering unfair interest charges because XXXX does not have my payment information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This account is being reported inaccurately and must be removed. According to 15 U.S. Code 1692c, my rights have been violated due to unlawful and unauthorized communications by the reporting party. I have not given consent to be contacted in the manner in which communication was conducted, and such contact constitutes a violation of federal law. Furthermore, I request validation of this debt, as required by the FDCPA, and until such validation is properly provided, this account must not be reported. I am formally requesting that this account be deleted from my credit report immediately due to noncompliance with federal statutes and failure to follow proper dispute and validation procedures. Please conduct a thorough investigation and remove this account accordingly.

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 2025-03-22 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: NY

Complaint narrative:
This account is being reported inaccurately and must be removed. According to 15 U.S. Code 1692c, my rights have been violated due to unlawful and unauthorized communications by the reporting party. I have not given consent to be contacted in the manner in which communication was conducted, and such contact constitutes a violation of federal law. Furthermore, I request validation of this debt, as required by the FDCPA, and until such validation is properly provided, this account must not be reported. I am formally requesting that this account be deleted from my credit report immediately due to noncompliance with federal statutes and failure to follow proper dispute and validation procedures. Please conduct a thorough investigation and remove this account accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: NY

Complaint narrative:
This account is being reported inaccurately and must be removed. According to 15 U.S. Code 1692c, my rights have been violated due to unlawful and unauthorized communications by the reporting party. I have not given consent to be contacted in the manner in which communication was conducted, and such contact constitutes a violation of federal law. Furthermore, I request validation of this debt, as required by the FDCPA, and until such validation is properly provided, this account must not be reported. I am formally requesting that this account be deleted from my credit report immediately due to noncompliance with federal statutes and failure to follow proper dispute and validation procedures. Please conduct a thorough investigation and remove this account accordingly.

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 2025-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
To Whom It May Concern at the CFPB, I am filing this follow-up complaint regarding Citibanks unlawful withholding of my funds and failure to honor its own dispute resolution process. Despite my previous complaint, Citibank continues to delay and mislead me about when I will receive my money. AND HAS MISLED ME MULTIPLE TIMES ABOUT WHEN I WILL RECEIVE A CHECK FOR THE FULL AMOUNT IN MY ACCOUNT. I AM REQUESTING IMMEDIATE RELEASE OF ALL MONEY IN MY CITI BANK ACCOUNT, PRIOR TO THE XXXX  DAY CLOSURE MARK SINCE IT HAS ALREADY BEEN OVER 85 DAYS SINCE MY ACCOUNT WAS ORIGINALLY PUT IN FOR CLOSURE!!! I AM REQUESTING PAYMENT TO BE MADE VIA CHECK TO MY ADDRESS ON FILE NO LATER THAN XX/XX/year>!!! 

Key Issues : 1. Provisional Credits Not Fully Honored They are now withholding the remaining funds in my account without any legal justification.

2. Repeated False Promises & Deception I was told I would receive a check by XX/XX/year>. 
Then I was told the date was XX/XX/year>. 
Now I am being told I wont receive any funds until my account is closed. 
3. Regulation E Violations ( 12 CFR 1005.11 ) Citibank exceeded the legally required 10-day timeframe to resolve my disputes. 
They failed to provide a written explanation for why the full amount was not credited permanently.

4. Unfair & Deceptive Practices ( UDAAP 12 U.S.C. 5531 & 5536 ) Citibank is deliberately misleading me about when and how I will receive my funds.

They are now restricting my account from receiving credits while keeping my money in limbo. 

Requested Resolution : I demand that Citibank immediately release my full balance via cashiers check or direct deposit! I also request that the CFPB take immediate action against Citibank for their clear violations of Regulation E and UDAAP. 

I appreciate your assistance in holding Citibank accountable and ensuring that my funds are released without any 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 monetary relief
Consumer complaint received 2025-03-22 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: VA

Complaint narrative:
I see XXXXXXXX XXXX XXXX accounts on my credit report, I am not a owner of these accounts. I asked them to show proof of my signature and personal information. I shows me listed as Authorized user, I am not a user of this account. I am requesting that Transunion remove these false items from my credit report. I see a collection from XXXX XXXX XXXX Last reported XX/XX/year> {$640.00} Open balance XXXX XXXX XXXX Original creditor : This is not my account and I have no records of this account being used by me. Please investigate and have Transunion remove this false/identity theft from credit report under the data breach

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 2025-03-22 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:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-03-22 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: PA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the enforceability of my federal student loan agreement on the basis of a **material alteration to the original contract**. 

According to the terms outlined in my promissory note, my loan was issued and administered by the **U.S. Department of Education** . Recent federal action has eliminated or reassigned the Departments responsibilities, with the **Small Business Administration ( SBA ) ** now serving as the managing entity. 

This constitutes a **substantial and unilateral alteration of the agreed-upon terms**, materially changing the administrative authority, servicing infrastructure, and potentially the regulatory protections outlined under the original contract. As such, I dispute the continued enforceability of this obligation under its current structure. 

I am requesting that this loan be formally reviewed for discharge, cancellation, or legal reevaluation due to the change in administering agency. Please respond in writing with your position and any available dispute resolution options. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is XXXX, filed on XX/XX/XXXX of this year. 

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

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 2025-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), State Attorney Generals Office Subject : Ongoing Unresolved Credit Reporting Violations by Portfolio Recovery Associates , LLC ( PRA ) Complaint Details : I am filing this complaint against Portfolio Recovery Associates , LLC ( PRA ) due to their continued failure to resolve a fraudulent and unverified debt they are reporting on my credit file. This matter has been ongoing for multiple years, and despite my previous complaint, PRA has failed to provide proper validation while continuing to negatively impact my credit.

Violations & Issues : 1. Failure to Validate Debt Under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ) PRA has failed to provide any valid documentation proving the legitimacy of the alleged debt. 
Their response to my previous complaint claimed they could not locate an account, yet they continue to report the debt to credit bureaus.

2. Violation of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681s-2 ( b ) ) PRA has refused to remove the unverifiable debt from my credit report, despite multiple disputes.

If PRA can not locate an account, they should not be reporting it to the credit bureaus, as this constitutes false and misleading information under the FCRA. 
3. Illegal & Evasive Practices PRAs failure to identify an account does not absolve them of responsibility. Instead of removing the unverifiable debt, they are deliberately obstructing the resolution process. 
PRA has previously attempted to deter me from requesting validation by improperly requesting my Social Security number, despite me never having done business with them. This raises serious consumer privacy and fraud concerns.

4. Failure to Properly Address the Previous Complaint & Unlawful Closure of Case PRAs previous response was evasive and did not address my actual concerns.

They improperly closed my complaint without resolution, forcing me to escalate the matter further.

Requested Resolution : 1. Immediate removal of the alleged debt from my credit report.

2. Formal confirmation that PRA will cease all collection efforts regarding this unverifiable account.

3. A full investigation into PRAs failure to provide proper debt validation and their evasive practices.

4. Escalation of this complaint to the appropriate regulatory bodies, including the FCC, FTC, and legal counsel.

I am also keeping legal counsel on retainer and am prepared to take further legal action if this matter is not resolved promptly. PRA has had ample time to address this issue, and their failure to do so is a clear violation of federal consumer protection laws.

This remains an OPEN CASE until my credit report is corrected. I expect a full investigation and resolution without further delay. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AUTOMOTIVE CREDIT CORPORATION
State: PA

Complaint narrative:
Automotive credit corporation has been reporting late payments for the past five months to the credit bureaus. The reason that theyre reporting late payments is when the payment that is owed for their terms is made in full theyre deciding to take money out of that and send it to an insurance policy that I never opted for. Told them that I didnt need and they refuse to remove. So when the payment is made what they are doing is paying the insurance and then saying that no payment was made for the month for the car payment. I have insurance on my own. Ive sent them the information many times and Ive asked them not to continue paying the insurance companies with it. This has become a serious problem now since theyre taking it as late payments or payments not made at all because of how theyre removing the funds and putting it somewhere else.

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 2025-03-22 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: CITIZENS FINANCIAL GROUP, INC.
State: GA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy.Here is the account I am asking you to verify as accurate. 

Account : CITIZENS XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: IN

Complaint narrative:
After reviewing my credit report, I am troubled to find a late payment notation, even though I have never made a late payment.

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 2025-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
Formal Dispute of Federal Student Loan Obligation Due to Administrative Transfer To Whom It May Concern, I am writing to formally dispute the enforceability of my federal student loan agreement on the basis of a **material alteration to the original contract**. 


According to the terms outlined in my promissory note, my loan was issued and administered by the **U.S. Department of Education** . Recent federal action has eliminated or reassigned the Departments responsibilities, with the **Small Business Administration ( SBA ) ** now serving as the managing entity.

This constitutes a **substantial and unilateral alteration of the agreed-upon terms**, materially changing the administrative authority, servicing infrastructure, and potentially the regulatory protections outlined under the original contract. As such, I dispute the continued enforceability of this obligation under its current structure. 


I am requesting that this loan be formally reviewed for discharge, cancellation, or legal reevaluation due to the change in administering agency. Please respond in writing with your position and any available dispute resolution options. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I dont have dates but I have had 3 cash app accounts closed for suspected fraud but there was no explanation what I did wrong or why they closed my account

Company response to consumer: Closed with explanation