vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: GA

Complaint narrative:
I am writing to formally dispute the validity of the debt you allege I owe and to highlight several violations of consumer protection laws in your collection practices. I do not acknowledge any debt to the following collection agencies : 1. XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that you provide full validation as required under 12 CFR 1006.34 ( b ) ( 5 ). This includes the original creditors name, the account number, the total amount allegedly owed, and a detailed breakdown of all charges, fees, and interest. Additionally, I request a copy of the purchase agreement between the collection agency and the original creditor to verify the legitimacy of your claim. I am also filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding these issues. 

Furthermore, I am revoking your authorization to contact me via email, phone, or text message. All communication must be in writing going forward. Your failure to provide me with a reasonable opportunity to dispute this debt, as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ), constitutes a violation of my rights. Moreover, your collection methods have been deceptive and lack the legally required disclosures. It is also unlawful for [ creditor_name ] to furnish information to consumer reporting agencies without providing the appropriate disclosures as outlined in 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ).

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 2025-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Advanced Resolution Services Inc.
State: PA

Complaint narrative:
Notice of intent to lodge criminal complaint with Attorney General of XXXX  against XXXXXXXX XXXX XXXX XXXXXXXX and Advanced Resolutions Investment. 

You are pursuing me for a debt XXXX XXXX XXXX  that I did not sign a contract for. XXXX XXXX XXXX You havent provided the contract with my signature. 

I will be pursuing an additional remedy. 

I will be reporting you to the Attorney General of XXXX bureau of consumer protection office. His name is the Honorable XXXX XXXX. In my complaint, I will ask him to pursue a criminal complaint against you, due to you using the United States Postal Service to pursue someone without a contract. This is illegal! 

I was always told as a child that if a crime in progress, one needs to let the authorities know, so I will be letting the attorney general know about this. 

XXXX, XXXX and XXXX have broken the law so has advanced resolutions investment. No contract no signature provided! Illegal! And to boot they use the USPS system to carry this out. Which could possibly interpreted as mail and wire fraud. XXXX include this in my complaint to the attorney general.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: NJ

Complaint narrative:
Experian verified XXXX XXXX XXXX ( # XXXX ), XXXX ( # XXXX ), and XXXX XXXX XXXX XXXX XXXX XXXX ) accounts after my XXXX XXXX, 2025 dispute, but their investigation is a sham. I demanded validation under FCRA ( 15 U.S.C. 1681i ) and FDCPA 809 ( b ), including original documentation ( signed contracts, billing statements, repossession paperwork ) and XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Experian failed to provide these, relying on automated XXXX pings instead of a reasonable investigation, violating 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). They also didnt remove my personal statement ( # XXXX XXXX XXXX XXXX ) as demanded under 15 U.S.C . 1681c-2 ( c ). These unvalidated accounts cause credit denials, financial harm, and emotional distress. Experians actions violate FCRA, XXXX XXXX, and New Jersey law ( N.J.S.A. 56:11-31 ). Ill sue under 15 U.S.C. 1681n and N.J.S.A. 56:11-37 if this isnt fixed now.

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 2025-04-30 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:
Agency has failed to doing thorough investigation and remove errors from my credit report therefore I am requesting I request assignment of an investigator into credit bureaus validation of debts reported on my credit report my complaints are on file one of them is XXXX of the complaint is XXXX Tuesday or XXXX etc I am also applying the 15 USC 1692 C and 15 USC 1692 g in their entirety in reference to these complaints I'm also asking about arbitration being initiated against these agencies and I also like to reference case law that applies to this the case law is green versus XXXX XXXX XXXX XXXXXXXX the case number is 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 2025-04-30 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-30 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX, at approximately XXXX XXXX  I received a strange call from an American Express representative on a blocked line regarding a fraudulent charge from XX/XX/XXXX to XXXX XXXX. I would like to identify the individual I spoke with, as he attempted to harass, interrogate, and coerce me into admitting to information I does not know, as well as a transaction I did not authorize. 

During our conversation, I explained that the charges in question were not on my account and that I have never used XXXX to purchase items with my American Express credit card. The representative insisted that there was a charge on my XXXX account from XX/XX/XXXX, in the amount of {$10.00} to a company called XXXX XXXX. He claimed that my American Express card had been linked to my XXXX account since that date and suggested that someone in my household must have authorized the payment. 

I reiterated that I have never linked my XXXX account with American Express, nor did I authorize or approve any payments to that entity using my American Express card. The charge he referenced for {$10.00} on XX/XX/XXXX, is false ; it was actually paid using a XXXX debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: CO

Complaint narrative:
I am formally disputing the following negative items on my credit report. 
Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
There was a fraudulent charge made to my account for {$7000.00}. My XXXX was taken from me and charged this amount without my consent. 
First, this charge was significantly different than any charge I have made on the card. Normally, any out of the ordinary purchases are flagged and you have to confirm it was you before the transaction goes through. There was no flagging of the transaction and it went through without issue. 
Secondly, I called immediately after this transaction was made. I continued to call several times because it didnt not appear like my claim was being taken seriously. I wanted to do anything possible to try to stop the transaction before it went through but was told it would be reviewed in time. 
Third, my credit card limit had recently been increased without my approval. I would not have approved an increase to my limit as it keeps things like this from happening and I like to keep a small limit. If my limit had not been increased without my consent a charge of this amount would not have been able to go through. This seems incredibly inappropriate to both increase my credit limit so such a large charge could be made and to also hold me responsible for such a purchase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-04-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
From XX/XX/year> to XXXX I made two payments of {$1100.00} and 14 payments of {$500.00} to what I thought was XXXX About the beginning of XXXX I called XXXX to know how much I still have to pay and they told me they were not taking any money, it was not them. I checked on Internet the XXXX XXXX  and called but didn't know nothing. So, I made a complain to the bank on XX/XX/XXXX, they investigate and returnedthe money to my account, and about a week ago the bank took the money out of my accounts because the complaints were more than sixty days

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: EQUIFAX, INC.
State: ND

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: World Acceptance Corporation
State: TX

Complaint narrative:
There is a tradeline " World Finance '' that is not mine. I have disputed with the bureaus but still remains. I have also submitted an FTC report that I filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-04-30 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 submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: IL

Complaint narrative:
I am a victim of identity theft, which has left me feeling vulnerable and distressed. 
Fraudulent accounts were opened in my name without my knowledge or consent, causing significant harm to my credit standing. I am determined to take the necessary steps to clear my name, protect my identity, and restore my financial well-being. I kindly request that you please remove these fraudulent accounts from my credit report, as they do not accurately reflect my financial history or responsibility. I appreciate any support and assistance in over coming this unfortunate experience. 


Addresses : XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Fraudulent accounts : XXXX XXXXXXXX Account number XXXXXXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX {$1100.00} XXXX XXXX XXXX Account number XXXX Balanced {$3100.00} XXXX XXXX XXXX Account number XXXX Balance {$1100.00} XXXX XXXX XXXX Account number XXXX Balance {$3100.00} XXXX XXXX XXXX Account number XXXX Balance {$1200.00} XXXX XXXX XXXX Account number XXXX Balance {$3100.00} XXXX XXXX XXXX Account number XXXX Balance {$1100.00} XXXX XXXX XXXX Account number XXXX Balance {$3100.00} I request the immediate removal of these accounts under the FCRA XXXX specifically 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681 ( 5 ), and 15 USC 1681c ( c ). Furthermore, as per Law 605 B, these fraudulent accounts should be eliminated from my credit report. Your company is under scrutiny due to a recent lawsuit filed by the Consumer Financial Protection Bureau ( case name : " Consumer Financial Protection Bureau v. Experian Information Solutions , Inc. '' ). This lawsuit highlights Experian 's failure to conduct proper investigations and remove or reinsert errors on consumer credit reports. As such, it is imperative that Experian address this matter in accordance with the 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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: OH

Complaint narrative:
I am disputing an inaccurate delinquency mark on my credit report placed by Nelnet regarding my federal student loans ( Account # : XXXX ). 

Nelnet reported me as 90 days late in XX/XX/year>, but this is factually incorrect. I was enrolled in the XXXX plan through early 2025, then submitted a timely IDR reapplication on XX/XX/year>. 

Nelnet acknowledged receipt of my application on XX/XX/XXXX, and due to the federal court injunction halting SAVE processing, they placed my account in forbearance as of XX/XX/XXXX. I received XXXX written confirmations of this from Nelnet, both dated XX/XX/year>. 

According to Department of Education policy, borrowers should not be penalized or marked delinquent during the federal SAVE/IDR injunction period if they submitted their application on time. Nelnet 's XXXX delinquency reporting is inaccurate, harmful to my credit, and a violation of the federal guidance to servicers. 

I am requesting CFPB assistance to have this late payment corrected and removed from all credit reporting agencies. Supporting documentation is available and includes : Proof of forbearance ( XX/XX/year> ) IDR application receipt ( XX/XX/year> ) Forbearance effective date ( XX/XX/year> )

Company response to consumer: Closed with explanation