vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 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: SC

Complaint narrative:
As per 15usc 1611 Experian XXXX  and XXXX  is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency

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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I have submitted multiple dispute letters to Equifax, Experian, and TransUnion regarding inaccuracies on my credit report ; however, the errors remain uncorrected. Attached are copies of the letters previously sent to each bureau, along with a table outlining the discrepancies across all three reports. I kindly request your assistance in resolving these issues as soon as possible.

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 2025-11-06 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: NV

Complaint narrative:
Contacted DEPTEDNELNET and requested to dispute these charges of {$70000.00} data to be removed off of my credit report and I was denied. 

Opened : XX/XX/ 2011 ( 14 yrs, 3 mos. ) there is a total of 12 1. {$11000.00} 2. {$9800.00} 3. {$7800.00} 4. {$6600.00} 5. {$5200.00} 6. {$4200.00} 7. {$4200.00} 8. {$4000.00} 9. {$3700.00} 10. {$2700.00} 11. {$2400.00} 12. {$640.00} totaling to {$70000.00} I want all items with these charges removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sunbit, Inc.
State: TX

Complaint narrative:
During XXXX  I went to XXXX XXXX to get a tooth pulled but because of my XXXX XXXX I couldn't receive services. So I never received a service. They took XXXX out my account for service never rendered. They damage my account. This prevented from getting a home

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Westlake Services, LLC
State: NC

Complaint narrative:
My lender Westlake Portfolio Management repossessed my vehicle, and they are refusing to provide the certificate of repossession ( XXXX ) They have expressed that they only have the Notice of intent ( NOI ) I have called multiple times and now being ignored when asked to speak to managers and supervisors

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I deposited XXXX dollars in cash at a Bank of America ATM on XX/XX/year>. The ATM counted and verified the amount then the ATM displayed a " Please Wait '' message for about 5 minutes, then indicated that the transaction didn't go through. The only receipt it provided was an advertisement. I immediately called and submitted a claim. 2 days later I have still not been credited my money. I called again and didn't get any helpful information. The representative said they would not send me an email confirmation of the complaint and they could not be emailed the video evidence of their error which is linked below ( video is 40 seconds long but was too large to upload ). I need this money credited to my account immediately and I expect 20 % interest ( as an annual rate ) for the delay. The ATM ID is XXXX. 
Video of error on ATM : XXXX XXXX XXXXXXXX

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 monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Independence Capital Recovery, LLC
State: AL

Complaint narrative:
Independence Recovery has filed a lawsuit against me for an alleged debt that has not been properly validated. I am currently set for a court hearing on XX/XX/year>, at XXXX XXXX 

On XX/XX/year>, I mailed a post-litigation debt validation letter via certified mail, requesting documentation to prove the validity of the debt, including the chain of assignment, original signed agreement, and proof of ownership. The letter was received and signed for according to XXXX records. Despite my good-faith request, Independence Recovery has failed to respond or provide proper validation, yet they have continued to pursue legal action and collection activity against me.

Their actions violate the Fair Debt Collection Practices Act ( FDCPA ) under 15 U.S.C. 1692g ( b ), which requires debt collectors to cease collection activity until the debt has been verified. Independence Recoverys decision to continue pursuing a lawsuit without verifying the debt constitutes unfair, deceptive, and abusive collection practices.

Furthermore, they have negatively impacted my credit report and caused financial and emotional hardship during a time when I am already experiencing loss of income. I am reporting this to the CFPB to document these violations and to prevent this company from continuing to take advantage of consumers through unlawful collection and litigation practices.

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 2025-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: IL

Complaint narrative:
I am writing to formally request that you cease and desist all communication with me regarding the debt associated with the Contact Caller Inc. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request that you stop all contact with me about this matter. As of this letter, you are to immediately stop all phone calls, letters, emails, and any other form of communication, including any attempts to collect the alleged debt. Please be aware that this is a formal request and I am exercising my rights under the FDCPA to stop any further harassment or unwanted communication.

In accordance with the law, you are still permitted to contact me to inform me of the following : Whether or not you intend to take legal action against me ; or that you are no longer attempting to collect the debt. If you fail to comply with this request, I will consider further action, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), or taking legal action. Please confirm in writing within 30 days of receipt of this letter that you will comply with my request and discontinue all communication regarding this matter. Thank you for your attention to this important matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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 DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-06 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: TX

Complaint narrative:
Could you look at this? Its late and doesnt seem accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
multiple violations of the fair credit reporting act and FDRA, cease and desist letters were sent regarding this matter and related such as unethical, and non-valid adddress and residency reporting placing me places i've never lived and willingly placing XXXX dollars in debt upon my credit report when it is the duty of the XXXX. to retrieve restitution from the suspect convicted in my XXXXXXXX XXXX XXXX XXXX victimization additionally the medical bills stemming from the t-bone by allsate driver XXXX XXXX XXXX XXXX about XX/XX/year> traumatic XXXX XXXX sustained substantial impact to my XXXX  and XXXX column, XXXX was responsible under umbrella policy of the figarottas, so XXXX in medical bills falsely reported as bills i'm ' responsible for which is not the case then, causing this info as well as other unverfied and non-valid info to be on my XXXX bureau reports such as accounts that are not mine and have stated these things too and proven how they are identity theft but not removed so they are retaliating on me by denying any forms of lending or credit to me for loans auto purchase financing anything.because i've made formal statement sand complaints regarding this injustice that is causing backlash, adverse decisions and ntially barring me from fair oppourtunities available to me as a consumer because the debt from the medical bills is not my responsibility but that of they actors who caused irreperable damages to my physical health and or body all these bills need to be shifted to the actual responsible parties freeing me up and alleviating my credit reports and debt ratios causing me to be not eligible for certain provisions or rights due to unfair reporting by these credit reporting agencies who are sharing and saleing false unverified information pertaining to me and my credibility. knowingly and willingly in efforts to undermine and shift the accountability on them to show as my inability or insolvency clearing the path for the sabotage to be believable and in concert with the design the false reporting is causing and narrative it signals or insinuates. verifying the sources of misinformation is the law especially when it is tied to potential financial insolvancy or deliquent accounts not required of me too pay but to the persons responsible for me even needing medical attention. which are the XXXX suspects i.e resposible parties, well known to bureacracies and the agenda as factual victimization and collisions of no-fault toi me

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 2025-11-06 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: WI

Complaint narrative:
Please take a look at the attached files ; these inquiries came in unexpectedly and may not belong to me.

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 2025-11-06 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX Date : XX/XX/XXXX To : TransUnion XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute Removal of Inaccurate Personal Information Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) Dear TransUnion, I am writing to dispute inaccurate personal identifying information appearing on my credit report. Upon review, I found incorrect listings related to my name, employer, and address history. These entries are inaccurate and must be corrected or deleted immediately. 

Inaccurate Information : - Incorrect Employer ( s ) : XXXX XXXX XXXX - Incorrect/Old Address ( es ) : XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Correct Information : - Current Employer XXXX XXXXXXXX XXXX  XXXX - Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Enclosed are copies of documents verifying my identity and address : - Copy of government-issued ID - Proof of current address ( e.g., recent utility bill, bank statement ) Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I request that you investigate and delete or correct these inaccuracies within 30 days, as required by law. Please send me written confirmation when the corrections have been completed.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Enclosures : - Copy of ID - Proof of Current 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 non-monetary relief
Consumer complaint received 2025-11-06 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:
I am disputing the following charged-off accounts reported on my Experian credit report. I request a full reinvestigation and deletion of any item that can not be verified. 

Charged-Off Accounts in Dispute : XXXX XXXX XXXXXXXX XX/XX/XXXX {$610.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXXXXXX XX/XX/XXXX {$270.00} XXXX XXXX XXXX XX/XX/XXXX {$5500.00XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$650.00} XXXX XXXX XXXX XX/XX/XXXX {$2400.00} XXXX XXXX XXXX XX/XX/XXXX {$59.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$690.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$180.00} XXXX XXXX  XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XX/XX/XXXX {$3600.00} Inquiries in Dispute : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX I do not believe I authorized all of these inquiries. Please verify each inquirys legitimacy and remove any that lack documentation or a permissible purpose.

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 2025-11-06 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: TX

Complaint narrative:
I am filing this formal complaint due to unauthorized inquiries on my credit report, made without my consent and in violation of the Fair Credit Reporting Act ( FCRA ). These inquiries negatively impact my credit score and do not fulfill any permissible purposes as defined by law. 
Details of Disputed Inquiries : The following disputed inquiries have been verified by the creditors as conducted without my knowledge or authorization : Creditor/Institution : XXXX  Date of Inquiry : XX/XX/XXXX Creditor/Institution : XXXX Date of Inquiry : XX/XX/XXXX Specific Violations of the FCRA and Legal Basis : 1. Permissible Purposes ( FCRA, 15 U.S.C. 1681b ) : Credit inquiries must be conducted only for permissible purposes under the FCRA. The inquiries listed do not meet these purposes. In XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), the court ruled that accessing a credit report without a permissible purpose violates the FCRA. 
2. Obligation to Investigate and Correct ( FCRA, 15 U.S.C. 1681i ) : The FCRA requires credit bureaus to correct any inaccurate or unverifiable information. These unauthorized inquiries should be removed under this provision. 
3. Protection Against Identity Theft ( FCRA, 15 U.S.C. 1681c-1 ) : Since these inquiries were unauthorized, they may pose a potential risk of identity theft. The FCRA provides additional protections to prevent unauthorized inquiries that could indicate fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
There has been numerous attempts with filing complaints through the CFPB to correct or delete inaccuracies from my credit report from all 12 credit reporting agencies. The company keeps replying their investigations are through and complete but as you will see from my provided documentation from XXXX which is there own documents they are providing inaccurate account information. They can't even determine the correct account or account name and ownership that has been disputed with them atleast 3 times now. Furthermore this is again inaccurate information they are reviewing and reporting which is a CFPB regulations violating also Metro 2 non compliant. They are reporting mixed account information that is apparently incorrect and at this point I demand removal of all negative account information to be deleted from my credit report and from all 12 credit reporting agencies immediately. I will be pursuing legal action at this time from all the credit hardship this has cost me due to the improper reporting under FCRA, FDCPA, and legal action under U.S.C. code 1681 ( i ) ( b ) unless all negative account information is deleted immediately.

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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
There has been numerous attempts with filing complaints through the CFPB to correct or delete inaccuracies from my credit report from all 12 credit reporting agencies. The company keeps replying their investigations are through and complete but as you will see from my provided documentation from XXXX which is there own documents they are providing inaccurate account information. They can't even determine the correct account or account name and ownership that has been disputed with them atleast 3 times now. Furthermore this is again inaccurate information they are reviewing and reporting which is a CFPB regulations violating also Metro 2 non compliant. They are reporting mixed account information that is apparently incorrect and at this point I demand removal of all negative account information to be deleted from my credit report and from all 12 credit reporting agencies immediately. I will be pursuing legal action at this time from all the credit hardship this has cost me due to the improper reporting under FCRA, FDCPA, and legal action under U.S.C. code 1681 ( i ) ( b ) unless all negative account information is deleted immediately.

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 2025-11-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
Four years ago my wife died. I notified the bank, but they apparently had no record. This is a joint savings acccount that only requires one signature. Two years ago I established a Living Trust that contains no mention of my diseased wife. I file the change of ownership with AMEX and they changed the owner. Today I attemped to transfer money to my checking account and was told it was locked and could not be used until they received several forms and documents. I need this money to conclude a real estate transaction. Time is of the essence. For the past four years I have added and withdrawn money from this account with no problem. XXXX this was a joint account where either owner could sign, I see no reason for them to illegally withhold my funds. An additional problem is that the only way I can submit these documents, other than by mail, is with a download link. Afterr two tries they say they sent the mail, but it did not arrive. At the same tim their PR emails were successfully arriving. Nothing in junck mail either.

Company response to consumer: Closed with monetary relief