vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Original Creditor : XXXX XXXX XXXX XXXX : National Credit Adjusters ( NCA ) Type of Debt : Payday Loan Complaint Category : Debt Collection Issue : Inaccurate credit reporting, failure to validate debt, threats of legal action, forged documentation, and financial harm -- - Complaint Summary : I am filing this complaint regarding a payday loan originally issued by XXXX XXXX, now being handled by National Credit Adjusters ( NCA ). NCA has engaged in deceptive and harmful practices that have caused significant damage to my personal and business credit, violated federal and state laws, and inflicted financial and emotional distress. 

Despite multiple requests, NCA has failed to provide a valid contract bearing my signature to verify the legitimacy of the debt. Instead, they submitted conflicting and fraudulent documentsone showing weekly payments withdrawn from my XXXX XXXX  account, and another showing biweekly payments with a forged e-signature and no timestamp. These discrepancies suggest document tampering and misrepresentation. 

During the COVID-19 emergency declaration, I was actively making payments and remained current. NCA continued withdrawing funds, overdrafting my XXXX XXXX  account by {$310.00}, which led to the closure of an account I had maintained for over XXXX years. They have not acknowledged this overdraft or corrected the payment history. 

Their inaccurate reporting has : - Damaged my personal credit score - Prevented me from qualifying for a home loan - Harmed my SBSS  score, affecting my business credit - Caused the loss of a long-standing banking relationship I have disputed this account multiple times and submitted supporting documentation, but NCA continues to report false information. Their actions violate : Federal Laws : - Fair Debt Collection Practices Act ( FDCPA ) for failing to validate the debt, using deceptive tactics, and threatening legal action - Fair Credit Reporting Act ( FCRA ) for inaccurate reporting and failure to correct errors after disputes Texas State Laws : - Texas Debt Collection Act for coercive and misleading collection practices- Texas Deceptive Trade Practices Act ( DTPA ) for misrepresenting the nature of the debt and submitting forged documents -- - Request for Relief : I am seeking : - Full debt validation with original signed documentation - Immediate removal of inaccurate credit reporting - Cessation of all collection activity until legitimacy is proven - Restoration of financial damage, including overdraft fees and credit score impact - Compensatory damages for financial loss and emotional distress - Punitive damages for fraudulent documentation and reckless conduct

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: NJ

Complaint narrative:
I am writing to demand immediate action regarding the gross inaccuracies and unlawful reporting in my credit file. After reviewing my credit report, I have discovered that your actions, as well as those of the creditors providing you with information, are in direct violation of the Fair Credit Reporting Act ( FCRA ) and other federal laws, including 15 U.S.C. 1681. Your repeated failures to comply with federal regulations have caused me undue stress, XXXX, and reputational harm, and this blatant disregard for your legal obligations must be addressed without delay. 
This is a formal notice that I am disputing the accuracy of the XXXX tradeline being reported to the credit bureaus. You are currently reporting information that I believe to be inaccurate, incomplete, or the result of data compromise based on your confirmed XXXX  data breach. 
Under the Fair Credit Reporting Act 623 ( a ) ( 3 ), you are required to conduct a reasonable investigation and correct or delete any information found to be inaccurate or unverifiable.

This tradeline has also caused negative impacts to my credit profile, and your failure to comply may constitute willful noncompliance, This tradeline has also caused negative impacts to my credit profile, and your failure to comply may constitute willful noncompliance, which is actionable under 616 and 617. 
Please provide written verification with original documents of your reporting or remove the account from all bureaus.

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 2025-07-15 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: Nelnet, Inc.
State: NJ

Complaint narrative:
I am writing to demand immediate action regarding the gross inaccuracies and unlawful reporting in my credit file. After reviewing my credit report, I have discovered that your actions, as well as those of the creditors providing you with information, are in direct violation of the Fair Credit Reporting Act ( FCRA ) and other federal laws, including 15 U.S.C. 1681. Your repeated failures to comply with federal regulations have caused me undue stress, XXXX, and reputational harm, and this blatant disregard for your legal obligations must be addressed without delay. 
This is a formal notice that I am disputing the accuracy of the Nelnet tradeline being reported to the credit bureaus. You are currently reporting information that I believe to be inaccurate, incomplete, or the result of data compromise based on your confirmed 2022 data breach. 
Under the Fair Credit Reporting Act 623 ( a ) ( 3 ), you are required to conduct a reasonable investigation and correct or delete any information found to be inaccurate or unverifiable.

This tradeline has also caused negative impacts to my credit profile, and your failure to comply may constitute willful noncompliance, This tradeline has also caused negative impacts to my credit profile, and your failure to comply may constitute willful noncompliance, which is actionable under 616 and 617. 
Please provide written verification with original documents of your reporting or remove the account from all bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: FL

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 XXXXXXXX FL XXXX ACCOUNTS : 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 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 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 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 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 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 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 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 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 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

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 2025-07-15 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: PA

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-07-15 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:
This is my second formal notice disputing fraudulent accounts and unauthorized inquiries that remain on my credit report despite previously submitting a complete FTC Identity Theft Report, valid ID, and supporting documents. 

I did not authorize any of the inquiries or accounts listed below, which are the result of identity theft. The continued presence of this information violates multiple federal laws, including : FCRA 1681b ( c ) No permissible purpose for credit inquiries FCRA 1681c2 Failure to block identity theftrelated data after proper documentation FCRA 1681i ( a ) Failure to reinvestigate disputed entries 18 U.S.C. 1028A Aggravated identity theft Despite my previous dispute, the following inquiries and XXXX account remain : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries from XX/XX/year> ) Additional inquiries from XX/XX/year>, XX/XX/year>, XX/XX/year>, and others ( see full list ) XXXX  Account Number : XXXX These entries were not authorized by me, and I am formally demanding their immediate removal. I have submitted a complaint to the Consumer Financial Protection Bureau ( CFPB ) and will escalate to the FTC, XXXX, and State Attorney General if no action is taken.

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 2025-07-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
Original Creditor : Speedy Cash Debt Collector : XXXX XXXX XXXX XXXX XXXX ) Type of Debt : Payday Loan Complaint Category : Debt Collection Issue : Inaccurate credit reporting, failure to validate debt, threats of legal action, forged documentation, and financial harm -- - Complaint Summary : I am filing this complaint regarding a payday loan originally issued by Speedy Cash, now being handled by XXXX XXXX XXXX ( XXXX ). XXXX has engaged in deceptive and harmful practices that have caused significant damage to my personal and business credit, violated federal and state laws, and inflicted financial and emotional distress. 

Despite multiple requests, XXXX has failed to provide a valid contract bearing my signature to verify the legitimacy of the debt. Instead, they submitted conflicting and fraudulent documentsone showing weekly payments withdrawn from my XXXX XXXX account, and another showing biweekly payments with a forged e-signature and no timestamp. These discrepancies suggest document tampering and misrepresentation. 

During the COVID-19 emergency declaration, I was actively making payments and remained current. XXXX continued withdrawing funds, overdrafting my XXXX Bank account by {$310.00}, which led to the closure of an account I had maintained for over XXXX years. They have not acknowledged this overdraft or corrected the payment history. 

Their inaccurate reporting has : - Damaged my personal credit score - Prevented me from qualifying for a home loan - Harmed my SBSS score, affecting my business credit - Caused the loss of a long-standing banking relationship I have disputed this account multiple times and submitted supporting documentation, but XXXX continues to report false information. Their actions violate : Federal Laws : - Fair Debt Collection Practices Act ( FDCPA ) for failing to validate the debt, using deceptive tactics, and threatening legal action - Fair Credit Reporting Act ( FCRA ) for inaccurate reporting and failure to correct errors after disputes Texas State Laws : - Texas Debt Collection Act for coercive and misleading collection practices- Texas Deceptive Trade Practices Act ( DTPA ) for misrepresenting the nature of the debt and submitting forged documents -- - Request for Relief : I am seeking : - Full debt validation with original signed documentation - Immediate removal of inaccurate credit reporting - Cessation of all collection activity until legitimacy is proven - Restoration of financial damage, including overdraft fees and credit score impact - Compensatory damages for financial loss and emotional distress - Punitive damages for fraudulent documentation and reckless conduct

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-15 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus XXXX take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is XXXX XXXX XXXX involved. Please review the uploaded letters.

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 2025-07-15 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus XXXX take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is XXXX XXXX XXXX involved. Please review the uploaded letters.

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 2025-07-15 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 updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified. 


.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: NY

Complaint narrative:
These entries remain unverified and questionable. 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 non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The consumer reporting agency is willfully and negligently failing to comply with the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S.C. 1681c-2 ], by continuing to report fraudulent accounts and identity theft-related information on my credit file. Despite being provided with an Identity Theft Report, proof of identity, and a formal request for removal, the agency has failed to take action within the required timeframe. This constitutes a violation of my consumer rights and has resulted in ongoing financial and reputational harm.

Company response to consumer: Closed with non-monetary relief