vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
I am disputing a derogatory tradeline being reported by XXXX XXXX XXXX ( Account # : XXXX ), which has been closed and sold to NCB Management Services. This account is being reported as a charge-off with a {$0.00} balance and multiple delinquencies from as far back as XXXX 

This account is outdated and unverifiable. It violates 15 U.S.C. 1681e ( b ) of the FCRA, which requires that credit data be reported accurately and completely. The original creditor has no ongoing relationship with me and can not verify the debt. Additionally, under UCC 3-501, no presentment or contract has been provided. 

I request that the CFPB require both XXXX XXXX XXXX XXXX to remove this outdated and misleading account from my credit report. I am the victim of continued harm due to the credit damage this causes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I do not have an original agreement with this company, and they are inaccurately reporting information on all three of my credit reports. The open account status and balance are inaccurate on a closed account for which no balance is owed. This collection agency continues to update inaccurate information, and this violates my consumer rights. It is unlawful and deceptive to misrepresent and re-age any account and continue collection activity on debts that are closed. My information has been used without a permissible purpose and several FCRA laws have been violated, to name a few,15USC 18610 I, a, b, c, n, d, 15 USC 1692 g, c, and 18USC1028 A, B.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: MI

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
my credit report shows different addresses, names and numbers and I have no score on my XXXX im trying to see what's taking them so long to update the information.i was also involve in the XXXX data breach and 17 others.

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-07-28 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX SSN : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  TX XXXX & Equifax XXXXXXXX XXXX XXXX XXXX TX XXXX XXXX : URGENT CREDIT REPORT DISPUTE INCORRECT BALANCE ON CANCELED DEBT ( XXXX XXXX  ACCOUNT # * XXXX ) To Whom It May Concern, I am writing to formally dispute the reporting of an account from * * XXXX XXXX ( Account # ending in * XXXX ) on my credit file. This account is still being reported with a full balance of {$1300.00}, despite the fact that XXXX issued a Form 1099-C indicating that the debt was canceled and reported to the IRS as forgiven.

I have previously disputed this item multiple times. XXXX  has already corrected this entry and is now reporting a {$0.00} balance. However, your bureau continues to reflect an outstanding balance and charge-off, which is inaccurate and misleading. 
Enclosed are the following : 1. A copy of the 1099-C issued by XXXX XXXX XXXX 
2. A copy of my XXXX  credit report showing a {$0.00} balance on this account. 
3. A copy of my government-issued ID and proof of address.

According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are required to conduct a reasonable investigation of disputes. Continued reporting of a canceled debt after receiving IRS confirmation constitutes inaccurate and outdated reporting.

I am formally requesting : The account balance be updated to {$0.00}, The status be changed to " Paid in Full, Settled, or Canceled '', Or, if you can not verify the debt as legally owed, the account should be removed entirely.

Please complete this reinvestigation within the required 30-day timeframe and send written confirmation of your findings to the address above. If this is not resolved appropriately, I have decided to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal assistance for violations of the FCRA.

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX Enclosures : 1099-C, XXXX Report, ID, Proof of Address

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 2025-07-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have so many companies listed - I do not know which ones are which. I need help resolving the following companies. 
US Department of Education XXXX XXXX Student Loans XXXX Student Loans FED Loan Servicing Student Loans XXXX  Student Loans Multiple XXXX XXXX XXXX XXXX Accounts I have attached letters for all the above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
XXXX of XX/XX/XXXX American credit Acceptance is no longer the Lien Holder for my XXXX XXXX, American credit acceptance receive A XXXX  payout for the vehicle. American Credit Acceptance is reporting incorrect and inaccurate report and status of the vehicle that was closed by me and should state as such. As well as the Credit bureaus XXXX XXXX AND XXXX. I'am in the middle of a background check for a job position, this inaccurate and incorrect reporting is affecting my ability to pass background I need this incorrect reporting removed immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: VA

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 grant 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 2025-07-28 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: VA

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 grant 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: MI

Complaint narrative:
I was mislead and offered a promising career that I have yet to benefit from and unforeseen fees. my information was leaked in a data breach and im seeing so many student loans I didn't apply for at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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:
Recently I looked at 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 these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate. TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EQUIFAX 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 DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the fair credit reporting act, has violated my rights.

15 U.S.C 1681 Section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2025-07-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: OneMain Finance Corporation
State: MD

Complaint narrative:
I took a scured loan with OneMain Financial and bought one of their product of uemployment benefits. I lost my job and was hospitalized for more six months and was not able to pay my car note. They refused the benefit that I payed for and they are charging me for late payments. This is affecting my credit score and well being.

Account No : XXXX Amount reported XXXX dollars. 
Date opened XX/XX/year>2024. 

I want this issue to be resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
bank of america owned by mortgage for many years ( they took over the loan when countrywide failed in 2008 ). last year I was in the middle of a loan mod process with them, and emailed, faxed, XXXX  XXXX 'd more than a XXXX pages of requested documents, and without my knowledge or consent they sold the loan to new XXXX, resulting in a much higher monthly payment, and a stain on my credit report ( including an almost XXXX point drop in my score ) which from what I am reading this stain may last up to a DECADE. if I had XXXX  of dollars to spare I would hire an attorney to sue them.

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 2025-07-28 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX  XXXX XXXX  credit report on XX/XX/year>2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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.

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 2025-07-28 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: IL

Complaint narrative:
I am filing this complaint because the credit bureaus have failed to comply with the Fair Credit Reporting Act by continuously verifying inaccurate and disputed information on my credit report. Despite multiple disputes, they have not corrected or deleted accounts that clearly violate XXXX XXXX compliance and my consumer rights. Their actions are willful, negligent, and a direct violation of federal law, and I am requesting immediate investigation and enforcement.

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 2025-07-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
b'On XXXX I purchased 31 rechargeable under cabinet lights on XXXX  XXXX web site. \nThis product was advertised on XXXX. \nI ordered the lights and waited for three weeks for some type of shipping confirmation. \nI contacted the seller and they said that we did not have any orders on their website from XXXX XXXX. I gave them the confirmation number and information and they never responded. \nWe contacted our credit card company, Barclays, XXXX XXXX XXXX. DE XXXX by phone. Barclays stated that they would remove the charge. They never did remove the charge. \nUpon request from Barclays we faxed and mailed XXXX  our position. \nOur credit card company informed us that the case was closed and threatened us that if we did not pay our bill that they would report us to four bureaus. XXXX XXXX XXXX and XXXX. \nWe then received a package from the seller weighing .42 ounces. \nThe product we ordered would weigh about 11to12 pounds. This an attempt from the seller to prove that they mailed a package to us. \nWe have the shipping statement from the XXXX. \nWe never received the order we placed, period. \nThanks,\nXXXX and XXXX XXXX \nXXXX XXXX XXXX XXXX\nXXXX, Fl XXXX\nXXXX XXXX XXXX\nXXXX

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
I am formally disputing the following account on my credit report which I believe is inaccurate and should be removed. 
Creditor : FOURSIGHT CAPITAL LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX Account number : XXXX reason for dispute : not mine, incorrect balance, outdated information, incomplete data Under the Fair Credit Report Act ( FCRA ) section 611, you are required to verify the accuracy of this item. If you can not fully verify within 30 days, it must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: FL

Complaint narrative:
I am responding to Experians reply to my complaint submitted with the CFPB # XXXX In their response, they stated I may be a fraud victim. I want to make it absolutely clear that I am not a victim of fraud or identity theft. I have not filed any fraud alerts or identity theft reports with Experian or any agency.

To avoid any confusion or delays, I previously submitted two forms of identification and attached copies of my prior dispute letters, clearly proving that I am who I say I am and that my dispute was submitted legitimately.

My complaint concerns Experians failure to properly investigate and correct inaccurate or unverifiable information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). This was a standard disputenot a fraud claim.

Experians reference to possible fraud appears to be an attempt to avoid fulfilling their legal obligation to reinvestigate my dispute. I am requesting that Experian : Clarify why my dispute was mischaracterized as fraud-related when I never indicated fraud.

Provide full details of the reinvestigation process, including how and with whom the disputed items were verified.

Address the actual dispute concerning the accuracy and verifiability of the specific accounts I challenged.

If Experian continues to disregard their responsibilities under the FCRA, I am prepared to escalate this issue and seek legal remedies.

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