vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 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: IL

Complaint narrative:
I am writing to formally dispute several inaccurate and derogatory accounts on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), credit reporting agencies are required to conduct a reasonable investigation of disputed information and remove any information that is inaccurate, incomplete, or unverifiable.

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 2025-09-11 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: WA

Complaint narrative:
According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable Information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without a proper investigation.The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, the ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated. 

I am writing to file a formal complaint and dispute against Experian for violations of the Fair Credit Reporting Act ( FCRA ) and in connection with the ongoing lawsuits against Experian in 2025 regarding unlawful credit reporting practices. 

Background Experian is currently facing legal action for mishandling consumer credit data, failing to ensure accuracy, and neglecting its duty to properly investigate disputes. As a consumer, I have been directly affected by these same issues. 

My Dispute I identified inaccurate and/or incomplete information on my Experian credit report. 
Despite my attempts to dispute, Experian has failed to correct or remove the inaccurate information. 
Experian has not provided me with sufficient documentation or evidence supporting the continued reporting of the disputed items.

This conduct reflects the same violations alleged in the current Experian lawsuit, demonstrating a pattern of noncompliance and disregard for consumer protections.

Requested Action I am requesting the CFPB to : 1. Investigate XXXX handling of my dispute.

2. Require Experian to remove or correct all inaccurate information on my credit report.

3. Hold Experian accountable for violations of the FCRA, including failure to ensure accuracy and failure to conduct a reasonable investigation.

Documentation I am attaching copies of my credit report, dispute letters, and any correspondence with Experian for your review.

I respectfully request immediate action to ensure that Experian complies with the law and that my credit report is corrected without further delay. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX 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 2025-09-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: FL

Complaint narrative:
My loans has been in a administrative forbearance over a year now cancelling my auto pay and making me wait around for the forbearance to clear up. Meanwhile my loans are accumulating interest every year and the payments are not counting towards the Public Service Loan Forgiveness ( PSLF ) at the same time which I have been completing for 2 years now. Majority of XXXX and all of XXXX payments wasn't counted towards the payments on the PSLF.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-11 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-09-11 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 writing to follow up my dispute on inaccurate and misleading information that you are reporting on my credit file. Under FCRA 1681e ( b ), you are required to maintain maximum accuracy, and under 1681i you must reinvestigate disputed information. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/2024 XXXX XX/XX/2024 XXXX XX/XX/2024 XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XXXX  XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
The collection account ( s ) being reported on my credit file are inaccurate, incomplete, and unverifiable, in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681e ( b ) ( failure to assure maximum possible accuracy ), 1681i ( failure to conduct a reasonable reinvestigation ), and 1681s-2 ( furnishers duty to provide accurate and complete information ). The furnisher has failed to provide documented proof of ownership, a full chain of assignment, and records validating the debt pursuant to 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). Additionally, the data being reported is nonMetro 2compliant, containing inconsistencies in dates, balances, and account status across all three major credit reporting agencies. This is an ongoing violation that continues to cause measurable harm to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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:
My identity was used to apply for a loan with XXXX XXXX in 2021 and they wont remove it from my credit report. Its been 4 years and I still have NOT received XXXX piece of proof, validation of debt, or any methods of verification used to obtain the ORIGINAL validated documents from the date of this transaction. XXXX XXXX has been in headlines for opening new accounts for customers without their consent and this seems like another case of it!!! 
This account is being reported in violation of multiple provisions of the Fair Credit Reporting Act

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 2025-09-11 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: SLM CORPORATION
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX La XXXX XXXX XX/XX/year> Subject : Dispute of Private Student Loan Obtained Under False Pretenses ( FTC Complaint Filed ) To Whom It May Concern, I am formally disputing the validity of my private student loan with SallieMae account # XXXX.This account has already been reported to the Federal Trade Commission ( FTC Complaint No : XXXX due to deceptive and unfair practices by the school where I was enrolled. 

The school obtained access to my private student loan funds under false pretenses. Specifically : XXXX. They misrepresented that the program would obtain and maintain proper accreditation, which it never did. 
XXXX. They misled me into believing that borrowing private loans was necessary for my tuition and educational advancement, while funds were misapplied and not solely used for tuition. 
XXXX. They dismissed me from the program under misleading circumstances, leaving me with debt and no ability to complete my education. 

Because of this misrepresentation, I was induced to take on a private student loan debt that provided me with no educational or professional benefit. This constitutes fraudulent inducement and is a violation of consumer protection standards under the FTC Act and related state laws. 

While I acknowledge that Sallie Mae has reviewed the matter, the conclusion that I remain liable simply because the school did not return loan funds is unjust and fails to protect me as a borrower who was misled. 


By continuing to hold me liable, Sallie Mae is disregarding consumer protection standards under the FTC Act and relevant state unfair and deceptive practices laws. This shifts the burden of fraud away from the responsible party ( the school ) and unfairly punishes me, the borrower, who acted in good faith. 

I respectfully demand that Sallie Mae reconsider its determination, cease negative credit reporting and collection on this account, and cancel/discharge the loan obligation obtained through deception. 

Because, Sallie Mae persists in enforcing this fraudulent debt, I have escalated this matter to the Consumer Financial Protection Bureau ( CFPB ) and my State Attorney Generals Office for further investigation. Im requesting a reconsideration Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: LA

Complaint narrative:
On multiple occasions I used Zelle as a method of payment and the money was either sent to the wrong person and I wasnt able to get my money back or the money was never received and my money was just lost in cyber space never to be received or recovered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Confusing or missing disclosures — 
Company: William D. Meeker Enterprises, Inc.
State: IL

Complaint narrative:
I was speaking to it too. Customer service XXXX, they told me. I have a house listen on my credit report. With late payments that I do not know anything about. I did not least no house last year. The company is called CIC mortgage lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
To : LEGAL DEPARTMENT CAINE & WEINER XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX CA XXXX Subject : Formal Dispute & Demand for Immediate Deletion of Inaccurate Collection Accounts Violation of 15 U.S.C. 1692g To Whom It May Concern, I am formally disputing the accuracy, validity, and legal standing of the collection account ( s ) you are reporting under my name. This notice is being submitted pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). 

ACCOUNT NAME : CAINE & WEINER ACCOUNT NUMBER : XXXX You are legally obligated to provide, within 30 days, the following : 1. Verification of the alleged debt bearing my signature on the original agreement. 
2. Full itemization of the debt, including the original creditor, the alleged amount owed, interest, fees, and payment history.

3. Proof of legal authority to collect in my state, including any required state licenses.

4. Chain of title/assignment from the original creditor to your agency proving ownership of the alleged debt. 


Failure to provide complete validation as required by 1692g renders your continued collection efforts and credit reporting a direct violation of federal law. Reporting unverifiable information to any credit reporting agency also constitutes willful noncompliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ). 

Be advised : Any continued collection activity, including credit reporting, without proper validation is unlawful. 
You must immediately cease and desist from all collection and reporting activities until verification is provided. 
If you can not fully validate the debt, you are required to permanently delete the account from all credit bureaus ( XXXX, XXXX, and XXXX  ). 


Should you fail to comply, I will pursue all available remedies including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General, as well as pursuing civil litigation for statutory damages of up to {$1000.00} per violation, actual damages, attorneys fees, and punitive damages. 

This letter serves as your final notice. You have 30 days from receipt of this letter to comply. If you do not, I will take immediate legal action to protect my rights. 

Govern yourself accordingly. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Issue : Mishandling of fraud dispute unauthorized debit card transactions Summary of Problem : Two unauthorized transactions posted to my account : {$280.00} on XX/XX/year> {$280.00} on XX/XX/year> When I reported these transactions, the XXXX Department told me I could obtain a token number from Technical Support to prove the charges did not originate from my device. 
When I called XXXX XXXX, they stated that they had no knowledge of such a process and that the information given by Fraud was incorrect. 
I was forced to make XXXX separate calls before receiving consistent information from Chase.

Chase ultimately declined my claim, stating I must provide documentation from the merchant proving I had no association with these charges. 

Efforts Made to Resolve : I contacted the merchant ( XXXX XXXX XXXX XXXX ) and requested documentation confirming : I have no relationship with their business. 
I have no child enrolled in their programs. 
I am not listed as a guardian, friend, or pickup contact. 
Requested screenshots from their payment processor ( Playground ) showing the account details used.

The merchant acknowledged my inquiry, escalated the issue to their processor, and filed a report, but Chase still denied my claim.

Why This Is a Violation : Under the Electronic Fund Transfer Act ( Regulation E ), Chase is required to investigate unauthorized transactions and resolve disputes in a fair and timely manner.

Instead, Chase provided false and contradictory instructions, improperly shifted the burden of proof to me to collect merchant evidence, and failed to resolve the fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TekCollect Inc.
State: MI

Complaint narrative:
I am disputing a debt being collected by TechCollect on behalf of XXXX, related to XXXX services. The debt is invalid because XXXX went bankrupt in XXXX  and ceased operations, breaching their contract with me. 

XXXX promised : - Lifetime Smile Guarantee ( ongoing retainers and touch-ups ) - Monthly dentist check-ins- Replacement aligners/retainers as needed In reality, I only received the initial aligner kit. XXXX closed shortly after my treatment began and provided none of the promised services. My licensed dentist advised me to stop using the aligners due to improper fit and risk of XXXX, making the product unsafe. 

Despite this clear breach of contract, XXXX has continued to demand full payment and assigned the account to TechCollect, who reported it to the credit bureaus and damaged my credit.

Under the FTC Holder Rule ( 16 C.F.R. 433 ), any holder or assignee of a consumer credit contract is subject to all claims and defenses the consumer could assert against the seller. Since XXXX failed to deliver contracted services, this debt is unenforceable, and collections must stop. 

The FTC Holder clause is included in the contract agreement writing from XXXX and Tekcollect.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: UT

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 any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: NY

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 
Account name : XXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Netspend Corporation
State: FL

Complaint narrative:
I signed up for an account on XX/XX/year> with a {$200.00} welcome bonus that would be paid within XXXX business days of activating the debit card and having a direct deposit. My direct deposit hit the account on XX/XX/year> and the debit card was activated shortly thereafter. 

I have messaged multiple times about my welcome bonus and they have said they'll get back to me within XXXX business days and never have. 

Here are the terms of the deal, which I have met XXXX XXXX XXXX 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 2025-09-11 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: VA

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from my credit report.

Company response to consumer: Closed with non-monetary relief