vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have sent a total of XXXX letters to the XXXX credit bureaus, and have yet to receive a response yet. And its been 2 months since, I need to see how and who investigate on when sending a dispute. I have proof that these accounts do not belong on my credit profile and demand for them to be deleted. 

XXXX XXXX XXXX XXXX ( Experian XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXXXXXX XXXX ( Equifax ) XXXX XXXX Account ( TransUnion ) XXXX XXXX Account ( Experian ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account ( Experian, Equifax, TransUnion ) XXXX XXXX These accounts don't belong to me. 

Fair Credit Reporting Act ( FCRA ) - Request Method of Verification : You can ask the credit bureau to explain how they verified the disputed 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
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have sent a total of XXXX letters to the XXXX credit bureaus, and have yet to receive a response yet. And its been 2 months since, I need to see how and who investigate on when sending a dispute. I have proof that these accounts do not belong on my credit profile and demand for them to be deleted. 

XXXX XXXX XXXX XXXX ( Experian XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXXXXXX XXXX ( Equifax ) XXXX XXXX Account ( TransUnion ) XXXX XXXX Account ( Experian ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account ( Experian, Equifax, TransUnion ) XXXX XXXX These accounts don't belong to me. 

Fair Credit Reporting Act ( FCRA ) - Request Method of Verification : You can ask the credit bureau to explain how they verified the disputed information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: Nelnet, Inc.
State: PA

Complaint narrative:
My personal information and account information is infected by the data breach results of recurring emails and phone calls

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: CA

Complaint narrative:
This complaint serves as a formal demand for compliance with the Fair Credit Reporting Act ( FCRA ) regarding the handling of my credit report. I have requested the following accounts listed below to removed from my credit report due to identity theft. This is my several attempt to resolve this matter. The previous letters have come with zero compliance. Your failure to provide verifiable proof and your reliance on generic, non-substantive responses violate federal law and my consumer rights. I will not tolerate these deliberate evasions.

Despite my repeated disputes, your agency has failed to provide legally required documentation proving the validity of the reported information. Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), upon receiving a dispute, you are legally required to conduct a meaningful investigation and provide substantive evidence verifying the accuracy of the disputed accounts. Your boilerplate responses do not meet this legal standard, and your continued negligence constitutes a blatant violation of federal law.

Furthermore, under 15 U.S. Code 1681e ( b ), you are required to maintain maximum possible accuracy in consumer credit reports. Your continued reporting of unverified and inaccurate information, despite my multiple disputes, demonstrates reckless disregard for the law and my rights.

You have 30 days from the date of this letter to provide the following : 1.Actual verification of the disputed account, including original documentation from the data furnisher proving the validity of the debtnot generic statements from the creditor or data furnisher.

2.A detailed explanation of the investigation conducted, including the specific steps taken to verify the accuracy of the information.

3.The names, contact information, and job titles of the individuals who handled my dispute.

4.A statement confirming removal of any information that can not be fully verified as per 15 U.S. Code 1681i ( a ) ( 5 ).

Failure to comply will result in immediate legal action. I am fully prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, I will explore all legal avenues, including but not limited to, filing a lawsuit for willful noncompliance under 15 U.S. Code 1681n, which entitles me to statutory damages, punitive damages, attorney fees, and costs.

This account do not belong to me, as they are fraudulent. The banks have agreed to remove this account from my records. Im confused why you still feel theyre reporting accurately. Please see this account are fully investigated and VERIFIABLE PROOF IS FORWARED TO ME. 

XXXX XXXX XXXXXXXX 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 2025-05-18 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:
Dear Sir or Madam, I am writing to formally dispute a fraudulent XXXX account reported on my credit file. The account in question is : Creditor : XXXX Account Number : Ending in XXXX Reported as : Collection/charge off Creditor : XXXX Account Number : XXXX Reported as : Installment sales contract Creditor : XXXX XXXX Account Number : XXXX Reported as : Collection/charge off Creditor : XXXX Account Number : XXXX Reported as : Collection/charge off This account was opened without my authorization and is a result of identity theft. I have not applied for or opened any accounts with XXXX XXXX XXXX XXXX XXXX 
Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I request the immediate blocking of this fraudulent information from my credit report. I have enclosed the following documents to support my claim : A copy of my Identity Theft Report A copy of my government-issued ID A copy of my credit report highlighting the fraudulent account Please investigate this matter promptly and notify all relevant parties of the fraudulent nature of this account. I expect confirmation of the removal of this entry from my credit report within the statutory timeframe.

Thank you for your attention to this urgent matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Government-Issued ID Credit Report Highlighting Fraudulent Account

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 2025-05-18 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: CA

Complaint narrative:
RE : Section 609 Request for Account Verification XXXX XXXX ( Account XXXX XXXX XXXXXXXX ) Dear TransUnion, I am formally requesting, under my rights pursuant to Section XXXX of the Fair Credit Reporting Act ( 15 U.S. Code 1681g ), that you provide complete verification and documentation of the account listed below which appears on my credit report : Creditor : XXXX XXXX ( XXXX XXXX XXXX XXXX ) Account Number : XXXX Balance : {$49000.00} Status : Charged Off Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX This account is the result of identity theft and has been fraudulently reported in my name. I have already filed an FTC Identity Theft Report ( attached ) and attempted to dispute this item through your standard channels. You continue to report this account as verified without providing legally required supporting documentation. 

My Request Please provide : XXXX. A copy of the original signed contract or application bearing my signature used to open this account. 
XXXX. Documentation used in your verification process, including any billing statements, IP logs, or application IP source. 
XXXX. The method and party used to verify the accounts accuracy during your investigation. 

If you can not produce this documentation within 30 days, the Fair Credit Reporting Act mandates that you delete the item from my credit report. Continued reporting without proper documentation constitutes a violation of the FCRA and my rights as a consumer. 

Enclosures : FTC Identity Theft Report Proof of Identity ( Drivers License, SSN, Utility Bill ) Copy of Credit Report Highlighting the Disputed Account If this account is not removed, I will pursue further action through the Consumer Financial Protection Bureau ( CFPB ) and potentially through legal channels.

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 2025-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
The company have not replied and it has been over 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I am writing in accordance to my rights outline in FCRA procedures. 
The creditor in question ( Capitol One ) has reported to the credit union XXXX inaccurate information on my account. The balance that was reported is incorrect, which resulted in a negative change on my credit profile. As of XX/XX/year>2025 my credit profile with XXXX was updated to being over its limit. With my diligent efforts to check my Capitol One account via ( Online App ). My current balance was well under the limit that Capitol one has reported to XXXX 
Capitol One Balance ( {$400.00} ) reported XX/XX/scrub>/2025 to XXXX Online balance ( App ) {$130.00} as of XXXX2025XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
I am writing to formally lodge a complaint regarding your agency 's recent actions in attempting to collect a debt you claim I owe. I believe your actions may be in violation of the Fair Debt Collection Practices Act ( FDCPA ) or applicable state laws. Specifically, I am concerned about the following behavior : You have used threatening and harassing phone calls I've asked to stop calling

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 2025-05-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: GA

Complaint narrative:
Account XXXX XXXX # XXXX XXXX unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide Certified Mail with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

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 2025-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Capital Accounts, LLC
State: NY

Complaint narrative:
I made an advance cash withdrawal from my Capital One XXXX account due to an emergency. Afterward, I spoke with a customer service representative at a Capital One branch in XXXX XXXX. They advised me to call customer service whenever I could repay the cash advance. The following day, my family resolved the situation, and I deposited the money back into my account. 

Following the representative 's advice, I called and confirmed with another representative that my payment would be applied to the cash advance. 

Recently, I noticed that Capital One continued to charge interest on the cash advance I had already repaid. Today, I called customer service again and recorded the conversation. The representative informed me that their technical department indicated my payment was applied to the overall balance rather than specifically to the cash advance. This means my request was ignored, and the bank did not follow through as promised.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> To : Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX RE : Dispute of Unverified Information- Account & Account Number This letter is to Formally dispute the following account listed on my credit report. 

XXXXXXXX XXXX Account XXXX I am disputing the validity and accuracy of this account because I have not received any debt validation notice from the Credit or collection agency responsible for this account. The fair debt collection, practices act, FDCPA, requires them to provide written validation of the debt within five days of me requesting it ( 12 CFR 1006 .34 ( b ) ( 5 ) ). Since I havent received such validation, I can not verify the legitimacy of this debt.

Request for verification and deletion : Therefore, I am requesting that you initiate a full investigation into the account and demand verification from the creditor or collection agency listed in my report.

This verification should include : The original credit of the debt, if applicable The amount of the debt The date the debt was incurred.

Proof that I am legally obligated to repay this debt.

If the credit or collection agency can not provide valid verification, and validation, within 30 days of my inquiry, I demand that you completely delete this account from my credit report.

Credit reporting obligation : The Fair Credit Report FCRA 15 USC 1681 requires you to ensure the accuracy and fairness of the information on consumers credit reports. By not receiving proper debt validation, this account remains unverified and potentially inaccurate.

Thank you for your prompt attention to this matter. Please investigate this dispute thoroughly and provide a written response within 30 days of receipt of this letter. 
The response should include : Details of the investigation, conducted regarding verification with the creditor or collection agency. A revised credit report, reflecting any changes made based on this dispute. 
Sincerely, 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 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/year> I received notice that I was approved for XXXX XXXX XXXX XXXX effective XX/XX/year> the department has approved my application for discharge of Federal student loans when I spoke to XXXX I was told it was going to be remove it has been a year and the problem has not been fix it is still being reported to 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 2025-05-18 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: NY

Complaint narrative:
On XX/XX/year> I received notice that I was approved for XXXX XXXX XXXX XXXX effective XX/XX/year> the department has approved my application for discharge of Federal student loans when I spoke to XXXX I was told it was going to be remove it has been a year and the problem has not been fix it is still being reported to credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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:
CFPB Complaint TransUnion, Equifax and XXXX XXXX XXXXXXXX XXXX Summary of the Issue : I am submitting this formal complaint regarding the inaccurate and inconsistent reporting of late payments on my credit file associated with XXXX XXXX  XXXX XXXX, as reflected in data furnished by TransUnion. 

Over the past XXXX months, the number of reported late payments on this account has fluctuated drastically across different dates and report pulls. The discrepancies are outlined below : XX/XX/year> : XXXX late payments reported XX/XX/year> : XXXX late payments reported XX/XX/year> : XXXX late payments reported XX/XX/year> : XXXX late payments reported XX/XX/year> : XXXX late payments reported XX/XX/year> : XXXX late payments reported These significant changes, without any valid explanation or documentation, raise serious concerns about the accuracy and integrity of the data being reported. According to the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information contained in consumer reports. These repeated and conflicting entries clearly violate that obligation. 

Request for Resolution : I am requesting that the Consumer Financial Protection Bureau ( CFPB ) initiate an investigation into : The data furnishing practices of XXXX XXXX XXXX XXXX regarding this account ; The handling and verification procedures followed by TransUnion in allowing inconsistent and erroneous late payment data to be published ; The immediate correction or removal of inaccurate payment history related to this account from my credit file. 

I have attached supporting documentation showing the variation in reported late payments over the past several weeks. These inconsistencies are harming my creditworthiness and are causing undue stress and financial harm. 

Thank you for your attention to this matter.

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 2025-05-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
b'Please be advised that if you send me a computer generated letter, stating that you have ceased investigation of my credit reports because in your opinion, you believe I have used a third party credit repair agency, you will be in blatant violation of the FCRA. This stall tactic on your part to grant you an additional 30 days to comply with my original request, will result in a lawsuit with your company. This is your only warning. A copy of my State DL was included attached to this complaint. \n\nI am filing this complaint to dispute 7 unauthorized hard inquiries that have appeared on my Equifax credit report. I did not initiate or authorize any credit applications with the listed entities on or around the dates shown. These inquiries were made without a permissible purpose, in violation of the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681b.\n\nDisputed Inquiries:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUnder FCRA  604(a)(3), a hard inquiry requires consumer initiation and a legitimate credit-related purpose. I did not authorize these inquiries and have no existing business relationship with these entities. Their access to my credit file constitutes a violation of my rights under the FCRA.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I disputed XXXX bankruptcy records that were being reported on my credit file. On XX/XX/scrub>XXXX XXXX XXXX I submitted proof to XXXX, including official PACER case details, that both bankruptcies should not have been reported. 

XXXX investigated and confirmed both records were inaccurate. They permanently deleted both from their system and stopped furnishing them. However, both bankruptcies are still being reported by the credit bureau, despite XXXX no longer supplying that data. 

This violates the Fair Credit Reporting Act ( FCRA ), specifically : 611 ( a ) ( 5 ) : unverifiable data must be deleted 607 ( b ) : credit reporting must be maximally accurate

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 2025-05-18 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: GA

Complaint narrative:
Hi, I was wonderin if you could assist by removin some things from my file. If u take a look at the report u received, u can see what needs to come out. I was a victim of identity theft, and I didnt make tht purchase. I really want to get that removed so I can repair my credit report. I've already reported the identity theft to the Federal Trade Commission, and I've included photocopies of their Identity Theft Affidavit. Can you please assist with that as soon as possible?

Company response to consumer: Closed with explanation