vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 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: CA

Complaint narrative:
Issue : Credit Reporting Inaccurate / Unverified Information Summary of Complaint : The three nationwide credit reporting agencies ( Experian, Equifax, TransUnion ) are reporting multiple inaccurate, duplicate, and unverifiable collections accounts in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Despite my disputes, they have failed to correct or delete information that is false, duplicative, or unsupported by documentation. 

Details : XXXX. Accounts in Dispute : XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX {$710.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX multiple duplicate entries ( {$1300.00} ; {$1600.00} ; {$2000.00} ; {$2000.00} ) XXXX XXXX {$3200.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX accounts ( {$9.00}, {$10.00}, {$14.00}, {$17.00}, {$23.00}, {$34.00}, {$41.00}, {$92.00}, {$98.00}, {$100.00}, {$190.00}, {$200.00} ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX previously reported duplicate and re-aged tradelines. On [ insert date of XXXX email ], XXXX confirmed in writing that the balance was waived and that the collection reporting was removed. ( See attached Exhibit A. ) Any continued reporting of this account is per se inaccurate. 
XXXX. Legal Grounds : FCRA 609 requires disclosure of sources ; no original contracts or assignment records have been provided. 
FCRA 611 requires a reasonable reinvestigation ; bureaus continue to rubber-stamp accounts as verified without proof.

FCRA 623 prohibits furnishers from reporting false/duplicate data ( XXXX  and XXXX  entries ). 
FDCPA 809 requires validation of debts before collection or reporting ; collectors have not complied. 
XXXX. Harm : These accounts are suppressing my credit score, interfering with my ability to obtain housing, and misrepresenting my financial status to potential landlords and creditors. 



Relief Requested : Permanent deletion of all disputed accounts that can not be fully validated with competent documentary evidence. 
Confirmation that XXXX XXXX XXXX tradelines are deleted consistent with their written waiver. 
Enforcement action against credit reporting agencies and furnishers for ongoing violations of the FCRA and FDCPA.

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 2025-08-26 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: TX

Complaint narrative:
b'These inaccurate accounts must be removed within 15 days per USC 1681g.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: Shellpoint Partners, LLC
State: OH

Complaint narrative:
I had a former home loan with Shellpoint Mortgage and successfully completed a Deed in XXXX of Foreclosure ( a voluntary arrangement with the lender ; a voluntary transfer of title to cancel the debt of the loan ). However, recently I discovered via my XXXX  credit report, that Shellpoint Mortgage, while accurately showing a XXXX balance for the account, is incorrectly reporting the status of the account on my credit report as " Foreclosed '' ( a forced process initiated by the lender to repossess and sale the property ). I filed a dispute through XXXX  almost a month ago, received the findings today, and the account is still and incorrectly showing a " Foreclosed '' status as of XX/XX/year>, despite the successful execution of the Deed in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint 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 2025-08-26 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: TX

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 explanation
Consumer complaint received 2025-08-26 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: TX

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
THIS ACCOUNT IS NOT MINES. THIS ACCOUNT IS fraudulent AFFIRM INC Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/year> Status Paid, Closed. 
Status updated XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
TitleMax on XX/XX/ repossessed my vehicle. They're refusing to let me knkw where it is so I can pick it up. I'm from a military family. Its an XXXX  vehicle and I'm sure they damaged the XXXX transmission I've paid to have installed in it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
b'Receiving text messages regarding past due toll payments. Not correct/accurate.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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: TX

Complaint narrative:
Due to errors, these accounts must be cleared within 15 days as mandated by 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 2025-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
That's is a follow up to my other 2 complaints against Bank of America. This bank has blocked me off from access my money completely at this point. I need access to my funds to buy the critical medicines and food that I need to live.

I called them yesterday again pleading for my banking debit card to be overnights to me and they did not take my complaint serious and are dragging. If I end up in the ER because of them not taking this matter serious I will sue and if I pass away I want my family to look into criminal charges against that bank

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I dont have exact dates but its been over XXXX  years that I had an issue with a XXXX  XXXX credit card and the dept was settled bc of fraud and I keep still keep getting mail from different companies asking for the amount of {$820.00}. Please help with this matter. Thank you in advance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Avant Holding Company, Inc.
State: NJ

Complaint narrative:
I got approved to an avants credit line of {$500.00}, they send me the card in XXXX i was supposed get the car 2-3 weeks later, never received anything during that week after calling them 3 time till this day they answer alway is that the credit card is being delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: MA

Complaint narrative:
On XX/XX/year>, I discovered that my credit score had decreased from XXXX to XXXX due to a reported 90-day late payment on my federal loan accounts. All of my loans were previously managed by the Federal Loan Service Provider, Great Lakes, with all payments reported on time. My loans were subsequently transferred to Nelnet and paused due to the COVID-19 pandemic. 

By the time the incident occurred, I did not receive proper service of documents from Nelnet, as they were not sent to the correct address. When resolving this, I experienced poor customer service and a lack of communication regarding the statuses of my loan accounts.The reporting of a late payment was improper, as I did not receive any notification regarding when payments would resume. 

I have made multiple attempts to resolve this issue, including but not limited to : Calling Nelnet customer service department at different times to solve the different inconsistencies in my personal records and payments. It resulted in the address and some payments being corrected. I have also submitted several mail and online requests to Nelnet to correct my accounts and remove the improper reporting of the 90-day late payment. All other payments appear as on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: VA

Complaint narrative:
I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-08-26 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: TX

Complaint narrative:
These entries are erroneous and should be removed in 15 days as 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 non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
I have been a loyal customer for over 10 years and regularly used my institutions mobile app with Zelle. Several times I was scammed or experienced fraudulent transactions, but the bank refused to assist me, citing their policy. Before about XXXX the app had no fraud warnings, no safeguards to confirm recipient identity, and no alerts about scam risks. If money was sent to the wrong person or stolen through fraud, I was told there was nothing that could be done. Customers like myself were left completely exposed and unfairly bore the loss. Only in later years were fraud warnings and transaction prompts added, but by that time I had already suffered multiple losses. 

This demonstrates a breach of safeguard : There were no warnings or prompts to double-check recipient details before sending irreversible Zelle transfers XXXX 
The institutions policies at the time explicitly denied any consumer protection or recovery for fraud or misdirected funds. 
No fraud awareness or education was provided to consumers in the app or during sign-up, despite the high-risk nature of Zelle. 
Safeguards were delayed and only implemented years later, leaving earlier users like myself unprotected. 

By offering and promoting Zelle without reasonable fraud protections, my institution failed to meet a basic duty of care and breached expected consumer safeguards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nav Technologies, Inc.
State: TX

Complaint narrative:
My wallet was stolen and unauthorized purchases were made in addition to that hard inquiries were made on both of my businesses that I demand to be removed from my business credit profiles immediately. I only have XXXX XXXX XXXX XXXX credit card for XXXX XXXX XXXX so at the most I should only have XXXX hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SECURITY CREDIT SYSTEMS INC
State: FL

Complaint narrative:
This company is in violation of my consumer rights. As of XX/XX/year>, they have placed a collection account on my consumer report without providing the required validation information pursuant to 12 CFR 1006.34 ( b ) ( 5 ). I have made prior attempts to resolve this matter directly, but those efforts have been unsuccessful. Each violation entitles me to statutory damages of up to {$1000.00}. I am demanding that you immediately remove this account from my consumer report or provide proper validation. Failure to comply will leave me no choice but to pursue all available remedies under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 explanation
Consumer complaint received 2025-08-26 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: TX

Complaint narrative:
I have disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for almost a year and I still have not been able to resolve the theft of my personal information being exposed and creditors allowing thieves to open fraudulent accounts in my name. 

I have sent Transunion, Equifax and Experian all required documentation required by FCRA 15 U.S. Code 1681c-2 - Block of information resulting from identity theft, ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

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 2025-08-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/year> I made a duplicate car loan payment. This was due the the Trusit bank online payment site. I received and email from Truist telling me that the recognized the issues of the duplicate payment and would be crediting the funds back to my 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 monetary relief