vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: YSA ARM LLC DBA Oxygen XL
State: TX

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX XXXX and Wholesale Payments for initiating a merchant processing agreement under my business ( XXXX XXXX XXXX ) in XX/XX/XXXX without my full understanding or valid consent. No documentation or billing statements were ever sent after I canceled the account in XX/XX/XXXX. 

In XX/XX/XXXX, I received a debt collection notice from a third party, OxygenXL, for {$180.00}. Upon formally requesting debt validation, the collector failed to produce a contract or supporting evidence, then closed the file and ceased collection effortsimplicitly admitting the debt could not be validated. 

I requested a full breakdown, signed agreement, and notification history from XXXX XXXX XXXX. They have not responded. I have also received no communication from Wholesale Payments, who appears to be an affiliated or partner entity. 

I filed a related XXXX complaint ( Case # XXXX ). The company failed to provide a complete or satisfactory response. 

XXXX. I am now seeking federal assistance to : XXXX. Obtain all supporting documentation. 

XXXX. Be refunded for any and all withdrawals under a potentially fraudulent agreement. 

XXXX. Prevent future unauthorized billing or collection activity. 

XXXX. Ensure this matter is formally investigated for possible regulatory violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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: NY

Complaint narrative:
Name- XXXX XXXX Date - XX/XX/year> DOB-12/07/2001 This letter is to inform your company that I want to dispute the following items below on my credit profile. Did you see that your company was sued by the CFPB? for unlawfully failing to properly investigate consumer disputes. The CFPB alleges that Experian does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. Inaccurate or false information on consumer reports can threaten consumers access to credit, employment, and housing. 

I also learned that your company is notorious for telling consumers that you will not investigate accounts if you have previously investigated and now we see that you all never really investigated anything for consumers. I am demanding that you reinvestigate/ investigate and the outcome be removed today! 

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 2025-08-03 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Servicer under contract with Federal Student Aid
State: DC

Complaint narrative:
This creditor was not supposed to do anything with third-party. I want this totally removed off of my credit.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-03 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: TN

Complaint narrative:
I am filing this complaint against Equifax Information Services LLC for failing to accurately report and properly reinvestigate the XXXX account XXXX, which is currently reflecting incorrect and harmful information on my credit report. 

Specifically, Equifax is reporting a 30-day late payment for XX/XX/year>, even though all payments were made on time. The account has been paid in full and closed since XX/XX/year>, with a {$0.00} balance, yet this derogatory information remains. 

I previously disputed this account with Equifax, but they closed my dispute without providing any documentation from the original creditor ( XXXX ). Instead of conducting a lawful reinvestigation as required by FCRA 611 ( 15 U.S.C. 1681i ( a ) ), Equifax relied on data from third-party sources such as XXXX, XXXX, or XXXX, which are not the original furnishers of the account. This practice is not compliant with the FCRA, as the reinvestigation must be verified directly with the furnisher. 

Additionally, Equifax is reporting incorrect credit limit amounts and inconsistent account type descriptions, which violate the duty to report with maximum possible accuracy under FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ).

By failing to conduct a proper reinvestigation and continuing to report unverifiable and inconsistent information, Equifax is violating my rights under the FCRA and undermining the transparency principles established by the Truth in Lending Act ( TILA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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: GA

Complaint narrative:
Formal Dispute of Inaccurate Address Reporting Under FCRA To : TransUnion LLC Subject : Unauthorized Address Reporting Violation of FCRA 1681e ( b ) Disputed Address : XXXX XXXX XXXX, XXXX, GA XXXX To Whom It May Concern, This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) regarding the continued reporting of an inaccurate and unauthorized address on my consumer credit report. 

You are currently reporting the following address : XXXX XXXX XXXX, XXXX, GA XXXX I have never lived at this address. This location is not a valid residential dwelling, and is known to be a commercial office space. It does not reflect a physical home, trailer, or apartment tied to my legal residence history. 

Despite prior disputes and notices, this address remains on my credit report, violating your statutory obligation to ensure the maximum possible accuracy of the information you furnish. Continued publication of this address : Falsely links me to a commercial site Misrepresents my identity and credit history Exposes me to risks of mixed-file reporting and scoring errors This is a clear violation of FCRA 1681e ( b ), which mandates reasonable procedures to ensure the accuracy of consumer report information. It also obstructs my right to obtain fair credit opportunities under FCRA 602.

DEMAND FOR IMMEDIATE RELIEF : Permanent deletion of the disputed address from all records and internal systems Written confirmation of removal within 15 days Assurance this address will not be reinserted without full compliance with FCRA 611 ( a ) ( 5 ) ( B ) If you fail to take corrective action, I will escalate this matter pursuing legal remedies under FCRA 1681n and 1681o, including statutory damages of {$1000.00} per violation, actual damages, and attorneys fees.

You are advised to forward this notice to your legal compliance department.

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 2025-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TapTap Send Inc.
State: VA

Complaint narrative:
I am writing to formally file a complaint regarding a distressing experience I had with the money transfer service, TapTap Send, which may involve serious consumer rights violations and lack of financial accountability. 

On XX/XX/year>, I used the TapTap Send mobile application to transfer {$2000.00} USD from my bank account in Virginia to a recipient in XXXX. Unfortunately, due to a typographical error in the account numberwhich does not correspond to any valid accountthe funds were still marked as delivered. However, the recipient never received the money. 

I contacted TapTap Send immediately upon noticing the error, and I have since made multiple attempts via phone calls and emails to resolve the issue. Their only response has been that the matter was escalated to their partner, but there has been no follow-up, no resolution, and no refund. 

As of today, the funds remain unaccounted for, and the company has shown no reasonable effort to trace or retrieve the lost amount. This lack of transparency and accountability is highly concerning and has caused me financial and emotional distress. 

Details : Transaction ID : XXXX Date of Transaction : XX/XX/year> Amount : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Netspend Corporation
State: IA

Complaint narrative:
I have been locked out of accessing my account to transfer funds or manage finances. All attempted calls to customer service have gone unanswered.est. 8min wait time and I was still waiting 32mins later. Est wait times were 57mins all day. There is no way to access my online account or move funds from savings to checking. I was unable to move funds on the ark as well. I am incurring late fees on bills due and overdraft fees

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 2025-08-03 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:
Consumer Financial Protection Bureau ( CFPB ) Complaint Against : XXXX Official Servicer of Federal Student Aid Account Number : XXXX Complainant : XXXX XXXX XXXX Mailing Address : XXXX XXXX XXXX, XXXX, TX XXXX Date of Payment : [ Insert Date of Payment ] Amount Paid : {$26000.00} Complaint Summary : I am submitting this formal complaint against XXXX, the federal student loan servicer, regarding their failure to update my account status with the national credit reporting agencies after receiving a full payoff of my federal student loan balance. 



On or around [ Insert Payment Date ], XXXX received a full payment in the amount of {$26000.00}, resulting in a {$0.00} account balance. Despite this payment, as of the date of this complaint, XXXX has not updated my credit report to reflect the {$0.00} balance, which is negatively impacting my credit standing and financial opportunities. 



Details of Harm : The failure to report accurate account information constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), which requires furnishers of information to report data accurately and completely.

I have the right to ensure my credit file reflects truthful and updated information. Nelnets delay in updating this record is causing financial harm, including the denial of credit opportunities, elevated interest rates, and reputational damage.

Resolution Requested : I am requesting the following : Immediate update of my credit reports with all three national credit reporting agencies ( Experian, TransUnion, and Equifax ) to reflect a {$0.00} balance on Account Number XXXX. 

A written confirmation from XXXX that the update has been processed and completed. 

Removal of any associated negative reporting ( such as delinquency or late payments ) that may have been inaccurately reported after the payoff. 



Attached is supporting documentation confirming the payment made to XXXX and their acknowledgment of a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: TX

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Complaint Against : XXXX Official Servicer of Federal Student Aid Account Number : XXXX Complainant : XXXX XXXX XXXX Mailing Address : XXXX XXXX XXXX, XXXX, TX XXXX Date of Payment : [ Insert Date of Payment ] Amount Paid : {$26000.00} Complaint Summary : I am submitting this formal complaint against XXXX, the federal student loan servicer, regarding their failure to update my account status with the national credit reporting agencies after receiving a full payoff of my federal student loan balance. 



On or around [ Insert Payment Date ], XXXX received a full payment in the amount of {$26000.00}, resulting in a {$0.00} account balance. Despite this payment, as of the date of this complaint, XXXX has not updated my credit report to reflect the {$0.00} balance, which is negatively impacting my credit standing and financial opportunities. 



Details of Harm : The failure to report accurate account information constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), which requires furnishers of information to report data accurately and completely.

I have the right to ensure my credit file reflects truthful and updated information. Nelnets delay in updating this record is causing financial harm, including the denial of credit opportunities, elevated interest rates, and reputational damage.

Resolution Requested : I am requesting the following : Immediate update of my credit reports with all three national credit reporting agencies ( Experian, TransUnion, and Equifax ) to reflect a {$0.00} balance on Account Number XXXX. 

A written confirmation from XXXX that the update has been processed and completed. 

Removal of any associated negative reporting ( such as delinquency or late payments ) that may have been inaccurately reported after the payoff. 



Attached is supporting documentation confirming the payment made to XXXX and their acknowledgment of a XXXX balance.

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 2025-08-03 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: IA

Complaint narrative:
I have gotten the recent copy of my credit report and noticed multiple accounts that do not belong to me reporting. these are damaging to my character moving forward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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: IA

Complaint narrative:
I have gotten the recent copy of my credit report and noticed multiple accounts that do not belong to me reporting. these are damaging to my character moving forward.

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 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I previously filed a dispute regarding an alleged debt that XXXX XXXX XXXX ( XXXX ) is reporting on my credit report. I have never received a written notice of this debt, and upon discovering it, I promptly submitted a written dispute and demand for validation. 
Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), XXXX  was required to provide : Proof of the original creditor The signed agreement creating the debt A complete and unbroken chain of assignment Proof that XXXX  has legal authority to collect the debt A detailed itemized accounting of the debt I also invoked my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), requiring XXXX to conduct a reasonable investigation and remove or correct any inaccurate or unverifiable information they are furnishing to consumer reporting agencies. 

XXXX responded to my initial complaint by stating only that they would " cease communication '' with me. They did not validate the debt and did not address or remove the tradeline from my credit report. 

Ceasing communication is not a valid substitute for debt validation or proper credit reporting investigation. Their continued furnishing of this account without validation or investigation violates both the FDCPA and FCRA. 

I am requesting the CFPB require XXXX to provide full validation documentation or remove the tradeline from all consumer reporting agencies 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 2025-08-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The accounts from XXXX XXXX XXXX XXXX, XXXX XXXX, are inaccurate. The credit bureaus failed to verify them as required by the FCRA. I request their removal.

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 2025-08-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I am a victim of identity theft, someone used my information to obtain goods without my knowledge or consent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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: CA

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. XXXX ( a ) ( XXXX ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the XXXXday timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern, This is a sworn affidavit and formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., and Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692g. I am demanding an immediate investigation and deletion of the following negative accounts that are inaccurately, unverifiably, or unlawfully reported in violation of FCRA and Metro 2.

Violations include : 15 USC 1681e ( b ) : Failure to ensure maximum possible accuracy.

15 USC 1681i : Failure to reasonably reinvestigate disputed information.

15 USC 1681c ( a ) ( 4 ) : Reporting obsolete accounts past 7 years from Date of First Delinquency ( DOFD ).

15 USC 1692g : Failure to provide proper debt validation documentation upon request.

Metro 2 Reporting Standards : Failure to report account closures, balances, and charge-offs properly. 


Disputed Accounts : 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 TransUnion reports {$1700.00}. Balance mismatch. No creditor validation. 
XXXX XXXX XXXX XXXX XXXX  accounts ) Monthly charge-off updates with no new activity. XXXX XXXX violation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion matches XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX. XXXX XXXX ( XXXX XXXX ) Status misreported. DoFD near or past XXXX limit. 
XXXX XXXX XXXX XXXXXXXX Inconsistently reporting deferments and balances.

Pursuant to 15 USC 1681i ( a ) ( 5 ) ( A ), if you can not verify these accounts through signed contracts, original creditor documentation, and accurate payment histories within 30 days, you are required by law to delete them in full. Failure to comply will result in formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and legal action under 15 USC 1681n for willful noncompliance. 

Send investigation results, documentation, and updated credit reports to my address above or to my email on file.

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 2025-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Netspend Corporation
State: IL

Complaint narrative:
Tried to login and the login page keeps reoccurring. Further investigation lead me to info about a system wide problem and for all customers that bank with Netspend

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 2025-08-03 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: TX

Complaint narrative:
THESE DATA REPORTING AGENCY KEEP BREAKING THE LAW IM AVICTIM OF 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