vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Oliphant United, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I received a phone call from a representative of Oliphant XXXX XXXX about a debt allegedly originating from XXXX in XXXX, in the amount of {$220.00}. During the call, I verbally disputed the debt and requested written validation. I also followed up by email the same day to Oliphants designated dispute address. 

No written response was ever received. On XX/XX/XXXX, I sent a second email formally disputing the debt and again requested validation under the Fair Debt Collection Practices Act ( FDCPA ). XXXX days later, I received a form letter dated XX/XX/XXXX, which I received on XX/XX/XXXX. That letter did not include a contract, account-level detail, itemized charges, or any information linking me to the debt. The only creditor listed was Accelerated Inventory Management , LLC, which I have no relationship with.

Despite multiple disputes, Oliphant continued to report the tradeline to XXXX.

Most recently, XXXX  advised me that Oliphant verified
the account belonged to me, even though Oliphant never provided any documentation after XXXX written disputes. This appears to violate both the FDCPA and the Fair Credit Reporting Act ( FCRA ), which requires XXXX  to investigate disputes and the furnisher to review and verify records. Oliphant has admitted that the email address associated with the account is incorrect, which suggests mistaken identity or misattribution. 

This entry has already caused a credit-based rejection and was flagged during a XXXX XXXX review tied to my professional licensure process. 

XXXX acceptance of this verification appears to fall within the pattern described in the XX/XX/XXXX CFPB enforcement order, which fined XXXX  {$15.00} XXXX for improperly investigating consumer disputes, ignoring submitted documentation, and misreporting disputed data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: OH

Complaint narrative:
I am submitting this dispute regarding a charged-off account that is being inaccurately reported on my credit file. On XX/XX/year>, I requested verification of this account from the creditor and/or the credit reporting agency in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ). The FCRA requires that a furnisher or credit bureau must investigate and respond within XXXX  days. 

As of today, more than XXXX  days have passed, and I have not received any proper verification or documentation substantiating this debt. Under FCRA 611, failure to complete a reasonable investigation within the required time frame obligates the credit reporting agency to delete or correct the disputed information. Additionally, FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information that they know or have reasonable cause to believe is inaccurate. 

Because the creditor and/or bureau failed to verify this account in the legally required time frame, I am requesting immediate deletion of the charged-off account from my credit report to ensure compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: LA

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. 

Please delete the following accounts : XXXXXX/XX/XXXX has violated my rights. 

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

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

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( 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. I kindly request that you block this information from my credit report within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: REGIONS FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have a new company in Florida for wholesale and I open a personal account and business account in Regions bank. Becouse is close to my business. And after a few days they close both accounts. Was not transactions only a payment from business to XXXX for create a seller account and my personal account I did only small XXXX. I dont understand nothing. They said maybe something is. But no answers and I want to know what is wrong. Please I need help.

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 2025-09-24 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 addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
I deposited a {$200000.00} trust check into a Bank of America ATM on XX/XX/year>. I incorrectly entered it as a credit card payment instead of a deposit, as that was the only option on screen and I was in a rush. I have called the bank multiple times, and was first told it would take XXXX business days for the payment to process and then I could get refunded. I called after those XXXX  days and they said the refund claim would take XXXX business days to process and then Id have my money. I called yet again, and they told me they didnt see a claim so they started a new one. I called yesterday, and Im now being told the refund claim has been approved, but it will take XXXX business days to receive my refund. 

This is not a disputed transaction, a fraudulent check, or a third-party issue. It is my own trust check, and Bank of America is holding my funds without cause. Thirty business days ( XXXX weeks ) plus the XXXX weeks I have already waited is unreasonable and has caused significant hardship. 

I request that Bank of America immediately reverse the misapplied transaction, deposit the funds into my account, and provide written confirmation of the resolution.

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 2025-09-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
My student loan account with DEPTEDNELNET shows balances and amounts that are not accurate. I have repeatedly asked the company to provide a full accounting of my loan, including an itemized breakdown of principal, interest, fees, and how my payments were applied. They have not been able to provide accurate or consistent documentation. 

Specific issues include : Statements and balances are inconsistent and do not match each other or my payment records. 
Payments I made are not properly reflected or credited to my account. 

The company has added amounts that are unexplained or unsupported by any documentation. 
When I disputed the balance, the company failed to validate or prove the debt with proper records. 
Because the servicer can not accurately verify or explain the loan balance, I believe the amount they are attempting to collect is incorrect. This has caused me financial harm, confusion, and prevented me from properly managing or resolving my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: CA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Prosper Marketplace, Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit reporting act this creditor has violated my rights Under The Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681. Accuracy and Fairness : The act emphasizes the importance of accurate credit reporting, as inaccuracies can impair the efficiency of the banking system and undermine public confidence.

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 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have found late payment entries on my credit report that I believe are inaccurate. Pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, my credit report must only include information that is accurate, complete, and verifiable. I am requesting verification of these entries, and if they can not be substantiated, they should be corrected or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: AZ

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-09-24 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: AZ

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-09-24 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 writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-09-24 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: SC

Complaint narrative:
I recently learned that TransUnion experienced a data breach that exposed consumer information. Because of this breach, I am very concerned about the accuracy and security of my credit file. Under the Fair Credit Reporting Act 607 ( 15 U.S.C. 1681e ), TransUnion is required to follow reasonable procedures to assure maximum possible accuracy of consumer reports.

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 2025-09-24 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: VA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS 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 explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Unauthorized Use of Trademarked Name XXXX XXXX XXXX by Experian Information Solutions Inc / Credit reporting agency To Whom It May Concern, I, XXXX XXXX XXXX, am the lawful owner of the federally registered trademark " XXXX XXXX XXXX '' ( XXXX Serial No. XXXX ). This name is my personal and commercial property protected under the Lanham Act ( 15 U.S.C. 1114, 1125 ( a ), 1125 ( c ) ), the Uniform Commercial Code ( UCC 1-308, 9-311 ), and all relevant consumer protection laws. I am writing to formally address several serious issues regarding your handling of my trademarked name : XXXX. Unauthorized Use of Trademark : You have published and distributed negative inquiries and reports using my trademarked name without my consent, which constitutes trademark infringement under the Lanham Act. 2. Violations of the Fair Credit Reporting Act ( FCRA ) : Your agency has failed to ensure maximum possible accuracy in its reports, as mandated by 15 U.S.C. 1681b and 1681e ( b ). Not only are there unverifiable claims made using my name, but you have continued to publish disputed data that directly harms my reputation. XXXX. Engagement in Unfair and Deceptive Practices : Your actions have also engaged in unfair, deceptive, and abusive acts or practices ( UDAAP ) in violation of 12 U.S.C. 5531 and 5536, which fall under the direct enforcement authority of the Consumer Financial Protection Bureau ( CFPB ). Given these violations, I request the following remedies : XXXX. An immediate removal of all negative inquiries and derogatory entries connected with my trademarked name " XXXX XXXX XXXX ''. XXXX. A written confirmation that Equifax will cease the unauthorized use of my name in commerce without prior written consent. XXXX. A full investigation into these repeated violations of the FCRA, CFPB laws, and trademark protections, along with the imposition of any applicable penalties against your agency. Please note that I have previously issued formal Cease and Desist Notices to each credit bureau, warning of liquidated damages of {$50000.00} per violation for continued infringement and unauthorized use. Your noncompliance with these notices demonstrates a willful violation of federal law, demanding direct enforcement by the CFPB. I expect a written response to this letter within 30 days, addressing the aforementioned issues. Failure to comply will leave me no option but to pursue further legal action to protect my rights and seek appropriate remedies. Thank you for your immediate attention to this matter. 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 2025-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
b'Wanting to recover some information or documents, which include "original contract or notice of them selling the account.\n\nThe date I send the letter was XXXX  with the tracking # XXXX XXXX XXXXXXXX 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 2025-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
Update!!! I contacted Resurgent XXXX today XXXX, spoke with a XXXX ( Supervisor ) whom spoke with her XXXX, XXXX XXXX XXXX I explained to XXXX that the {$130.00} was from payment agreement set between me and XXXX XXXX group whom they had hired to pay, collect and settle with on behalf of Lvnv Funding. This agreement was set back in XXXX of XXXX XXXX months prior to a settlement being reached here in XX/XX/XXXX. She stated she was unaware and that XXXX XXXX XXXX  should have cancelled the {$130.00} payment collection after settlement was reached. She also stated to me that they verified these payments being received over months and that after the settlement payment was received and paid, the account no longer has anything owing and is settled in full and that they will submit request to delete from all three bureaus she also stated that she will notate this throughly on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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