vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 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: TX

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: AL

Complaint narrative:
Subject : Complaint Regarding Unverified and Improperly Collected Debt Re : Request for Investigation and Removal Under Federal Law To Whom It May Concern, I am writing to formally file a complaint and request immediate investigation regarding an alleged debt being reported or collected against me, which I assert has not been legally verified in accordance with federal law.

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I have the right to request full validation of any debt allegedly owed. This includes, but is not limited to : Proof of Ownership of the alleged debt by the party attempting to collect or report it.

A signed flow agreement between the original creditor and the current party claiming the right to collect.

Chain of Assignment and Transfer, including all legal documents showing how the debt was sold or transferred.

A Bill of Sale or Purchase Agreement that specifically identifies my alleged debt.

As required by 15 U.S.C. 1692g ( b ) : " If the consumer notifies the debt collector in writing ... that the debt, or any portion thereof, is disputed... the debt collector shall cease collection ... until the debt collector obtains verification of the debt or a copy of a judgment, and a copy of such verification or judgment is mailed to the consumer. '' Despite requests, no such legal documentation has been provided. This failure to comply violates federal law and renders continued collection and reporting unlawful, inaccurate, misleading, and deceptive under 15 U.S.C. 1692e, which prohibits : Any false, deceptive, or misleading representation or means in connection with the collection of any debt.

In addition, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have the right to dispute inaccurate information and demand that unverifiable accounts be deleted from my consumer report.

The reporting and collection of any debt that can not be legally verified and validated constitutes : A violation of consumer rights, An act of unfair or deceptive practice, and A violation of due process under federal consumer protection laws.

I am requesting that the Consumer Financial Protection Bureau intervene immediately and take the following actions : Investigate the involved party ( debt collector and/or original creditor ) for failure to provide verification and documentation.

Ensure the immediate removal of the unverifiable debt from all consumer reporting agencies.

Require the entity to cease all collection activity and to provide proof of compliance with federal law.

Please attach this letter to my formal complaint record and notify me of the status and resolution. I am including a list of the specific accounts involved ( attached ), along with any responsesor lack thereofI have received from the debt collector or credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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:
My credit file has been compromised as a result of a data breach, causing fraudulent accounts to be listed. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I demand these accounts be blocked and removed within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX VA XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XX/XX/XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/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 non-monetary relief
Consumer complaint received 2025-06-02 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:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report.

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 2025-06-02 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: IL

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report.

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 2025-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Franklin Collection Service, Inc.
State: AR

Complaint narrative:
Hello, This debt has been on my credit report since 2020. I have been willing to negotiate the debt. I had two major XXXX  during XXXX. I have medical insurance. I couldn't afford to pay for it. I would like this to be removed from my credit report, or either negotiate for XXXX of what I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: IL

Complaint narrative:
This is my formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

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 2025-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: SD

Complaint narrative:
I paid every month on my car loan often more than owed and on time. XXXX I got into a car accident. I asked by calling ( because Wells Fargo doesn't do auto in stores anymore apparently ) and said, " My car got totaled, my insurance will pay for the car. Will this count for my payment? '' They said yes. I called 4 different times ; all the same answer. 

Then I paid again XX/XX/XXXX to cover my XXXX payment. All the sudden my insurance payment did NOT count towards my car loan and I am " late every month ''. 

I know the {$4700.00} was less than the car loan balance but it should have counted as a 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 explanation
Consumer complaint received 2025-06-02 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-06-02 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: PA

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2025-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP
State: NC

Complaint narrative:
On XX/XX/year>, US Bank transferred {$86000.00} from my US Bank checking account to my XXXXXXXX XXXX XXXX XXXX  On the same day XXXX closed my account. I was unable to log into my XXXX account and called XXXX who told me they closed my account and that I would be refunded in XXXX business days. XXXX blocked my number and told me to email their email support. On XX/XX/year> I filed a claim with US Bank against XXXX. On XX/XX/year> I called US Bank customer service and was transferred to XXXX XXXX in US Bank XXXX. XXXX told me I needed to go into a local US Bank branch and have someone there call her. On XX/XX/year>, I went into a local US Bank branch and spoke with XXXX XXXX who spoke with XXXX over the phone. I did not hear this conversation. After the call, XXXX told me my account would be closed. I asked about my refund and XXXX told me I would have to work it out with XXXX. I told XXXX XXXX blocked my number and isn't answering my email and XXXX told me XXXX would call me. On XX/XX/year>, I called US Bank XXXX department and was told my claim was denied. On XX/XX/year>, I called XXXX from a different number and spoke with XXXX. I asked XXXX when I would receive my refund. XXXX told me I should be receiving a refund and that XXXX would look into it and email me back. Later that day, XXXX emailed me back saying her back office team looked into it and had been in contact with US Bank. And that I needed to contact XXXX XXXX. And if US Bank was unable to facilitate my refund to have XXXX call XXXX back to facilitate my refund. I have not heard back from 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 2025-06-02 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: CA

Complaint narrative:
I am a data breach victim and fraudulent accounts were added to my credit file. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within 4 days : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$110.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$17.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$120.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$240.00} XXXX XXXX  XXXX - Account Number : XXXX * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$880.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$220.00} UNAUTHORIZED COLLECTION - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} Inquiries XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/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 non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: FL

Complaint narrative:
In 2022, Nelnet Servicing experienced a data breach that exposed the personal and financial information of over XXXX XXXX borrowers. I was never notified by Nelnet that my data was compromised, nor did I provide informed consent for the continued use or reporting of my loan information after the breach. 

Despite multiple attempts to obtain verification and a clear explanation of how my data was affected, Nelnet has not responded or provided documentation. I recently disputed this account with the credit bureaus, citing FERPA violations and attached the official court complaint ( Herrick v. Nelnet Servicing , LLC ).

Given the unresolved privacy issues and lack of transparency, I am requesting the CFPB require Nelnet to validate the accuracy and legal basis of this accounts reportingor remove it entirely if verification can not be completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am sending this complaint to TRANSUNION regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified.

I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed.

I request that these accounts be completely removed from my credit report. Please take immediate action to delete it.

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 2025-06-02 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: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: GA

Complaint narrative:
Because of a recent data breach, my credit report has been corrupted by unauthorized accounts. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I request immediate blocking and deletion within 4 days : 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: FL

Complaint narrative:
Specifically, Experian and Transunion are reporting a XXXX XXXX  credit card account as charged-off with a balance of {$6500.00} and past-due status beginning in XX/XX/XXXX. This account does not belong to me and is being reported under an account number that is different from my actual XXXX XXXX  credit card account. 
Here are the facts : I opened a single XXXX XXXX  credit card on XX/XX/XXXX, with account number ending in XXXX. 
My initial credit limit was {$1000.00}, which was increased to {$2000.00} in XX/XX/XXXX, after fulfilling the on-time payment requirement. 
In XX/XX/XXXX, fraudulent activity occurred on my card in the amount of {$2700.00}. I reported this immediately to XXXX XXXX, and they blocked my card. 
On XX/XX/XXXX, XXXX XXXX  sent me a letter stating that the {$2700.00} charge was deemed fraudulent and permanently credited back to my account. This should have resolved the matter entirely. 
However, beginning in XX/XX/XXXX, a separate account ( with a different number from mine ) began reporting on my credit file with a balance of {$6500.00}, marked as 30 days late and subsequently charged off. 
I have confirmed with XXXX XXXX  directly that the account being reported by Experian is not my account. This appears to be a case of file merging or misattributed account data. 
Please remove this erroneous account from my credit report immediately, and ensure it does not appear again. I have attached the following supporting documentation : 1. Statement from XX/XX/XXXX showing my legitimate XXXX XXXX  account ending in XXXX XXXX. XX/XX/XXXX letter from XXXX XXXX  confirming resolution of the fraud claim 3. Copy of my ID and 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