vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-29 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: MO

Complaint narrative:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

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 2025-10-29 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: RI

Complaint narrative:
Dear TransUnion 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 : XXXXXXXX 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 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have a XXXX  account with Bank of America.I had a client deposit funds into my account for a business deal. 
Date deposited was XXXX for {$39000.00} I visited the bank XXXX  times on XXXX, XXXX & XXXX to resolve this matter After trying to transfer funds in my account for expenses for the nature of my business, the bank decided to restrict my account.I was allowed to withdraw a small amount XXXX time for {$100.00} but the transactions before and after that were restricted. 
I had to authenticate and visit the bank XXXX  times to provide proof of identification and speak with a representative multiple times regarding this deposit. 
Now after this XXXX time, I got a message from the client stating the bank wants to send back the deposit. 
This has caused a major inconvenience for me and it wasn't necessary for this process to happen once they've verified my information and with the client and the client confirmed the transaction. 
Now I've lost a customer because of this and missed out on funds. 
I got updates on my account everyday about my balance and was told in XXXX that restrictions would be removed in 24-48 hrs from the first day .. it was just misleading information from the reps.

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 2025-10-29 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: CA

Complaint narrative:
I am not responsible for these accounts and request deletion within 15 days per USC 1681g.

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 2025-10-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been reaching out to XXXX XXXX XXXX and XXXX XXXX for a copy of my loan agreement because the dates are incorrect and the balance keeps increasing. I have not signed any new loan or agreeed to anything and I am needing proof. Incorrect information being reported to Credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc.
State: IL

Complaint narrative:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute & Request for Complete Removal of Student Loan Accounts Re : Inaccurate and Unverified Student Loan Reporting Request for Permanent Deletion To Whom It May Concern : I am writing to formally dispute the accuracy and validity of student loan accounts currently reporting on my credit file. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and the Fair Credit Billing Act ( 15 U.S.C. 1666 & 1666 ( b ) ), I am requesting an immediate investigation and complete deletion of all student loan accounts that can not be fully verified as accurate, complete, and lawfully reported. 

After reviewing my credit report, I found several student loan entries that appear to be inaccurate, unverifiable, and/or reported in violation of federal law. These accounts have caused significant harm to my creditworthiness. I have reason to believe that the data furnishers have failed to properly validate and maintain accurate records as required under 15 U.S.C. 1681s-2 ( b ) and have not provided evidence of my authorization or current liability for the alleged debts. 

Additionally, due to multiple confirmed data breaches involving major federal loan servicers and reporting agencies, I have concerns that portions of my personal and financial information may have been compromised, leading to inaccurate and unauthorized reporting. Under the FCRA, any unverifiable or inaccurate information must be deleted immediately from my credit file.

In compliance with FCRA 611 ( 15 U.S.C. 1681i ), I request the following : 1. A full reinvestigation of each student loan account reporting under my name.

2. Written verification of each account, including original signed contracts and payment history.

3. If verification can not be completed within the 30-day investigation window, immediate deletion of the accounts from my file with written confirmation of removal.

Please forward me a copy of the updated credit report once these inaccurate student loan accounts have been deleted. Failure to comply with federal requirements may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals Office for enforcement of my rights under federal law. 

Thank you for your prompt attention to this matter. I expect written confirmation of your actions within 30 days, as required by law. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: WA

Complaint narrative:
I am submitting this complaint regarding the dispute resolution practices of Chime. I have experienced repeated issues where my transaction disputes are denied without sufficient explanation or supporting evidence. Each time I request documentation showing how Chime reached its decision, I do not receive a response or any form of proof.

As a result of these repeated denials, I have lost thousands of dollars. Chime continues to state that no error was found without providing any transparency into their investigation process. When I attempt to file a rebuttal, I am told that new information is required ; however, if no new evidence exists, I am effectively left without any means to challenge their decision.

This process feels unfair, nontransparent, and inconsistent with standard consumer protection practices. I am requesting that the Consumer Financial Protection Bureau investigate Chimes dispute procedures to ensure compliance with federal consumer protection laws and to help recover the funds I have lost due to these unresolved disputes. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: TrueAccord Corp.
State: CA

Complaint narrative:
Date XX/XX/XXXX Keep harassing XXXX XXXX me for a amount am not liable for since I moved from that residents in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name.

Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am filing this complaint because the creditor/debt collector has continued collection efforts despite my bankruptcy filing. This includes phone calls, letters, and reporting the debt to credit bureaus after the bankruptcy case was filed and/or discharged. Such actions violate the automatic stay and discharge injunction under bankruptcy law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: Source Receivables Management LLC
State: GA

Complaint narrative:
I discovered that Source Receivables Management is reporting an account that is not mine. This appears to be the result of a confirmed data breach in which my personal information was compromised. I am formally disputing this account and requesting that the CFPB investigate the furnishers and credit bureaus failure to properly verify its accuracy. 

Despite multiple disputes and validation requests, Source Receivables Management has failed to provide any documentation verifying ownership or accuracy of this account. I specifically requested full validation, including a signed contract bearing my signature, an itemized statement, proof of assignment, and documentation explaining how the account was verified. None of this information has been provided. 

Additionally, XXXX XXXX XXXX XXXX  have failed to conduct a proper reinvestigation as required by law. Their continued reporting of an unverified and fraudulent account violates : 15 USC 1681i ( a ) ( 1 ) : Duty to conduct a reasonable reinvestigation 15 USC 1681e ( b ) : Duty to ensure maximum possible accuracy 15 USC 1681i ( a ) ( 7 ) : Duty to provide a description of the verification process 15 USC 1692g : Requirement for full debt validation 15 USC 1692e ( 8 ) : Prohibition of reporting information known to be false This ongoing reporting has caused significant hardship, including denial of credit and financial opportunities. I have filed FTC and XXXX  reports documenting this fraud and am requesting that the CFPB compel Source Receivables Management and the credit bureaus to provide full verification or immediately delete this fraudulent account from my credit reports to restore the accuracy of my consumer file. 
ACCOUNT LISTED BELOW : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bounce AI, Inc.
State: MD

Complaint narrative:
BounceAI failed to provide me with detailed information concerning the sale of my account by * * XXXX XXXX. * * ( XXXX ) to BounceAI ( BounceAI ). The information I seek is essential to ensure that my credit file is accurate and that my statutory rights under the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, RegulationF, the Consumer Financial Protection Act, and the DoddFrank Wall Street Reform and Consumer Protection Act are being respected and are fair. It is not fair to not have the sale agreement, amount BounceAI paid for the debt and or BounceAI credit reporting needs to be accurate and fair not having the sale agreement on the amount BounceAi paid to acquire the debt is not fair or accurate. Currently XXXX XXXX is reporting on my XXXX  as XXXX  credit report as a Charge/Off sold to another lender but it does not provide what the dollar amount the debt was sold for to BounceAi which is deceptive. it states the highest amount of the loan but everything else is ambigious. XXXX XXXX made changes to the dates of delinquency during the last credit reporting cycles and never sent any notices to me by mail for any of the delinquencies and certainly if they did prior to XXXX as it shows on their corrections to my credit report that would be inaccurate for those reporting periods. 

Pursuant to the statutes and regulations cited below, I request the following documents and data relating to the transfer of my debt from XXXX to BounceAI : 1. Proof of payment the amount that BounceAI paid to XXXX for the chargedoff debt. 
2. Date of transfer the exact date on which the debt was sold or assigned to BounceAI, together with any filing or recording dates.

3. Transfer agreement a complete copy of the purchase/sale agreement executed between XXXX and BounceAI, including all material terms ( purchase price, representations, warranties, and any recourse provisions ). 
4. All related documentation any ancillary communications, statements, or notices that were provided to me or that relate to the transfer ( e.g., settlement statements, notice of assignment, or disclosures required by RegulationF ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: OK

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: EdFinancial Services
State: CA

Complaint narrative:
I am enrolled in 3 different community colleges. The total units add up to over half time. None of the community colleges will complete the deferment forms any longer. They want you to use a website called clearing house student verification. The site charges per school verification. I can not pay the fees.

EFinancial confirmed that they can see in their system that I am attending 3 different schools and the total units equal over halftime.

They continue to ask me to get the schools to submit their defermet form and asked if my home college will verify the other schools. They will not do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-10-29 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:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

As Consumer by law Disputed Items below should be Deleted in my credit report 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 2025-10-29 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: NV

Complaint narrative:
Dear TransUnion 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 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

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 2025-10-29 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: WA

Complaint narrative:
Kindly investigate the attached materials ; the inquiries were entered with no prior notice and could be inaccurate.

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 2025-10-29 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: FL

Complaint narrative:
My credit report contains multiple inaccurate, outdated, and unverifiable accounts. This violates FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ), which require consumer reporting agencies to ensure accuracy and proper verification.

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