vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 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: AL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX/XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/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 2025-07-21 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: NJ

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

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 2025-07-22 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: GA

Complaint narrative:
Experian continues to allow XXXX XXXX  to report a fraudulent account to my credit file. I have filed a lawsuit against XXXX XXXX  for deceptive violations of my consumer rights and related protection laws, failure to supply requested account information, failure to notify me within 5 days of re-insertion, knowing, willing, and unlawfully deceptive reporting tactics to bypass re-insertion protocols used by credit reporting agencies. Experian also fails to notify me within five days of illegal re-insertions. Allows XXXX XXXX to use variations of their name, account numbers, and account statues to circumvent credit systems

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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCB Management Services Inc.
State: WI

Complaint narrative:
I am submitting this complaint against NCB Management Services , Inc. for reporting inaccurate and unauthorized information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ) and Wisconsin Statute 218.04.

Specifically : NCB Management is not licensed to collect debts in Wisconsin, as confirmed by the states Department of Financial Institutions.

Despite this, they are reporting a collection account to XXXX, XXXX, and XXXX, negatively impacting my credit score.

I have disputed this account with the credit bureaus, but it remains on my report.

Under FCRA 623, a furnisher must ensure the accuracy of any reported information.

Reporting derogatory information while not legally authorized to collect in the state is deceptive and unfair.

I request that the CFPB investigate NCBs conduct and compel them to delete this account from my credit reports and cease collection activities in Wisconsin.

Resolution Requested : Immediate deletion of the account from all credit bureaus Cease all collection and reporting activity in Wisconsin Confirmation of closure in writing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: MD

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number XXXX [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CT

Complaint narrative:
XXXX Prior case number I am reopening this case because the previous response was unsatisfactory and failed to address the core issue : I did not authorize the charge of {$660.00} from the Apple Store XXXX and to this day, I have not received any documentation or explanation for what this charge was for. 

I contacted Apple directly, and they were unable to provide any evidence of what was purchased or who authorized the charge. I checked my transaction history and confirmed there is no record of any legitimate transaction matching that amount. 

Despite this, I continue to be told that no billing error was found because I authorized the charge. This is not only inaccurate it is a clear failure of proper dispute investigation procedure under the Fair Credit Billing Act ( FCBA ).

I have been promised information multiple times and never received it. This prolonged lack of transparency, conflicting information, and repeated denial without proof is unacceptable and, frankly, in violation of my consumer protection rights. 

I am requesting : A full investigation with documentation showing what was purchased, when, and by whom. 
A reinstatement of the provisional credit while this matter is properly reviewed. 
Full reversal of any interest charges that have accrued from this disputed balance. 

If this issue is not addressed, I am prepared to escalate the matter through additional regulatory channels and seek legal counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: AL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX 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, Date Opened : XX/XX/XXXX, Balance : {$10.00} XXXX XXXX - Account Number : 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 XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$25.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$83.00} XXXX XXXX - Account Number : 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 XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$460.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$190.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : 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 XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} INQUIRIES : XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/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 2025-07-21 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: CL Holdings LLC
State: CA

Complaint narrative:
In XX/XX/year>, I submitted a formal dispute to the credit bureaus concerning a Jefferson Capital collection account that I do not recognize and have never acknowledged. I requested validation under the Fair Credit Reporting Act ( FCRA ), including the original signed agreement, full payment history, and proof of assignment. To date, Jefferson Capital has not provided any of the requested documentation that substantiates the validity or ownership of this alleged debt. 

Despite multiple attempts to resolve the matter, including follow-ups submitted via certified mail and online dispute channels, the item remains on my credit report. The companys investigation did not fix the error, and they failed to conduct a reasonable reinvestigation as required by FCRA 1681i ( a ) ( 1 ). Additionally, I was not notified of the outcome of their review or provided sufficient explanation or documentation.

This continued reporting is damaging and unsubstantiated. I am now escalating this matter to the CFPB and the State Attorney Generals office for enforcement, as my rights under the Fair Debt Collection Practices Act ( FDCPA ) and FCRA have been repeatedly violated. I am requesting the immediate removal of the Jefferson Capital entry from all consumer reporting agencies and full closure of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
Nissan Motors Acceptance Company. ( NMAC ), I am financing a vehicle with NMAC where monthly payment are completed via their website. Website payment portal has not worked properly for the month of XXXX XXXX XXXX XXXX. I am not able to make a payment via the NMAC webpage or phone app. NMAC can also take payment via phone but this requires an additional {$3.00} processing fee. It is not my fault that NMAC payment portal system is not working properly, yet I will be responsible for late payments charges or the {$3.00} phone payment processing fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IN

Complaint narrative:
b'I have my 10 years of payments completed for public service loan forgiveness. payments certified to XXXX payments. Mohela misapplied my last 3 payments to loans which are in deferment since my XXXX  daughter is in college instead of applying the payments as necessary to get the final payment (120) to have my loans forgiven. That was in XXXX XXXX and XXXX XXXX. the payment count now says payment does not qualify. the US DOE says it is a mohela problem. So I called mohela, was transferred and now have been on hold for over XXXX XXXX hours. \n\nthis is not right. I have done my 10 years of public service. I have had my employer certified multiple times. I have had my payment count done to payment XXXX  and made THREE additional payments. \n\nNOW mohela is threatening to sue me and there is no way to get forbearance (I had it but evidently mohela has removed that) and mohela is demanding I pay almost $XXXX. \n\nPLEASE HELP. THIS IS SIMPLE. I MADE 3 PAYMENTS AND ONLY NEEDED TO MAKE 1 BUT NO ONE WILL RESPOND AND FIX THE ERROR!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!'

Company response to consumer: Untimely response
Consumer complaint received 2025-07-21 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: WI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ACCOUNTS : XXXX XXXXI - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3000.00} XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX  Date : XX/XX/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 2025-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
* * XXXX XXXX * * XXXX XX/XX/2025 * * Portfolio Recovery Associates * * XXXX XXXX XXXX, XXXX, Virginia XXXX * * RE : Dispute of Alleged Debt Request for Full Validation under FCRA Section 609 * * * * Reference Number : XXXX XXXX XXXX XXXX XXXX Alleged Balance : {$460.00} * * To Whom It May Concern, This letter is a formal dispute regarding the collection account you have listed under reference number XXXX XXXX  XXXX XXXX XXXX, associated with an alleged balance of * * {$460.00} * * for XXXX XXXX. Under the * * Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681g * *, and the * * Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g * *, I am requesting full validation of this alleged debt. Please provide the following : * A * * copy of the original signed contract * * or agreement bearing my wet signature; * A full * * itemized breakdown * * of the {$460.00} balance and how it was calculated ; * Proof that you are legally authorized to collect on this debt; * The * * name and contact information of the original creditor * *, and any related account numbers. All documentation must be sent * * by email only * * to the address listed above. Do not send anything to my physical mailing address. Until you provide the requested validation, you are required to * * cease all collection activity * * and ensure that the account is reported as * * disputed * * with all credit reporting agencies. If you are unable to validate this account, it must be * * immediately removed * * from all credit reports in compliance with the FCRA. This is a good faith effort to resolve this matter. Please respond within 30 days. Sincerely, * * XXXX XXXX * *

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied to Citi bank for an offer they had for balance transfers. This was on XX/XX/XXXX. I provided the account number for my XXXX XXXX XXXX card, and a payment on my Citi account was posted on XX/XX/XXXX. I never saw it clear on XXXX end and when I reached out to XXXX, they had no record of the payment. It shouldve been a balance transfer of {$2800.00}. I contacted Citi and told them the situation and confirmed that the account number was wrong. They claimed to have started an investigation and confirmed to have sent the correct account number to XXXX on XX/XX/XXXX. I waited the XXXX business days they said it would take. Ive reached out to both banks and no one has been able to help solve this. XXXX is still claiming to not have a record of this payment and its XX/XX/XXXX. Citi bank claims to have contacted XXXX XXXX, and yet XXXX says otherwise. I am so frustrated because no one has been able to help me. Their claims to starting investigations are lies because every time I call, neither one seems to have a record of my calls. Im having to explain my situation every time. I should not have to pay for this error. This is absolutely ridiculous.

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 2025-07-21 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} INQUIRIES : XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/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 2025-07-21 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: AZ

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief