vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 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: IL

Complaint narrative:
Inaccurate late payments or reported negative a closed account with all on time payments, like this are preventing me from obtaining credit that I'm trying to apply for because it's lowering my credit score big time. I've already been in talks with some experts who have informed me that there are laws to ensure that inaccurate credit information can't be reported.

I have fully investigated my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent, credit worthy individuals by reporting erroneous and inaccurate information.

Under the Fair Credit Reporting Act, the following applies to me : FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher ( A ) In general. The Federal banking agencies, the National Credit Union Administration, and the Commission shall jointly prescribe regulations that shall identify the circumstances under which a furnisher shall be required to re-investigate a dispute concerning the accuracy of information contained in a consumer report on the consumer, based on a direct request of a consumer.

( B ) Considerations. In prescribing regulations under subparagraph ( A ), the agencies shall weigh : ( i ) the benefits to consumers with the costs on furnishers and the credit reporting system ; ( ii ) the impact on the overall accuracy and integrity of consumer reports of any such requirements ; ( iii ) whether direct contact by the consumer with the furnisher would likely result in the most expeditious resolution of any such dispute ; and ( iv ) the potential impact on the credit reporting process if credit repair organizations, as defined in section 403 ( 3 ), including entities that would be a credit repair organization, but for section 403 ( 3 ) ( B ) ( i ), are able to circumvent the prohibition in subparagraph ( G ).

( C ) Applicability. Subparagraphs ( D ) through ( G ) shall apply in any circumstance identified under the regulations promulgated under subparagraph ( A ).

( D ) Submitting a notice of dispute- A consumer who seeks to dispute the accuracy of information shall provide a dispute notice directly to such person at the address specified by the person for such notices

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 2025-07-13 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:
I am disputing a negative account from XXXX XXXX XXXX XXXX reported on my Experian credit file. The account was marked as Voluntarily Surrendered and also shows a 30-day late payment from XX/XX/year>, even though it is fully paid and closed. 

I sent a formal dispute letter to Experian requesting full validation under the FCRA ( Sections 609 and 611 ) and FDCPA. They failed to provide proper documentation or remove the harmful reporting.

This inaccurate account is damaging my credit and affecting my ability to obtain financing. I am requesting that this account be permanently deleted from my credit file due to Experian 's failure to validate the account and correct the reporting.

Please assist me in resolving this matter promptly

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 2025-07-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Nelnet, Inc.
State: AK

Complaint narrative:
Complaint Type : Student Loan Servicing Federal Loan Company : Nelnet Summary : My federal student loan was transferred to Nelnet without my knowledge or consent. I was never notified by Nelnet that they had taken over servicing of my loan. As a result, I received no billing statements, contact, or instructions for repayment. Despite this, Nelnet reported me as delinquent to credit bureaus. 

I only discovered that Nelnet was my loan servicer after seeing a negative mark on my credit report. This lack of notice violated the Truth in Lending Act and Higher Education Act, which require proper servicing transfer disclosures. I also believe my personal and financial information may have been mishandled or shared without proper authorization. 

This situation has negatively impacted my credit and caused significant stress. I have attempted to contact Nelnet and requested documentation, but have not received a satisfactory response.

What Im Requesting : Removal or correction of any delinquent reporting.

A full explanation and documentation of how my loan was transferred. 
Confirmation that no improper data sharing occurred. 
Support from CFPB in holding Nelnet accountable and ensuring this does not happen to others. 

Thank you for your help in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: IN

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting by XXXX XXXX on my vehicle loan for a XXXX XXXX XXXX. 

The account shows a charge-off balance of {$25000.00}. However, XXXX  repossessed the vehicle and received {$11000.00} from an auction on XX/XX/XXXX. This payment is reflected in their own documents but was never properly applied to reduce the balance. 

Additionally, the balance fluctuated month to month between {$36000.00}, {$36000.00}, and {$37000.00} in XXXX, even though no new charges or payments were applied. This violates the Fair Credit Reporting Act and results in a misleading and inaccurate representation of the debt. 

XXXX XX/XX/XXXX letter claims the reporting is accurate, yet provides no clear calculation of how they reached the current balance. 

I previously disputed this through Experian, but no correction was made. I am requesting deletion of this tradeline due to XXXX failure to provide consistent, accurate, and verifiable information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: UT

Complaint narrative:
I disputed a collection on my account. Dispute was successful and it was removed. Collector is still trying to collect the debt from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my credit report. Please remove these accounts off my credit report as they are hurting my ability to obtain credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: GA

Complaint narrative:
Subject : Request for Debt Validation Account # XXXX Dear Jefferson Capital Systems, I am writing in response to a collection notice I received regarding the above-referenced account number. I do not recognize this debt and request that you provide validation as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g.

Pursuant to my rights under the FDCPA, please provide the following information : 1. The amount of the alleged debt ; 2. The name of the original creditor ; 3. A copy of the original signed contract or agreement that you claim created this debt ; 4. A complete payment history, showing all charges, payments, and fees ; 5. Proof that Jefferson Capital Systems is legally authorized to collect debts in my state ; 6. The name and address of the original creditor, if different from the current creditor.

Until this debt is validated, please cease all collection activities, including reporting this account to the credit bureaus, as doing so without proper validation is a violation of federal law.

This letter is not a refusal to pay, but a request for validation. If you can not provide the requested documentation, you must cease collection and remove any negative reporting from my credit profile.

Please respond to this request in writing within 30 days of receiving this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp.
State: FL

Complaint narrative:
Formal Complaint and Request for Immediate Investigation Unverified and Inaccurate Reporting by Absolute Resolutions Investments ( XXXX  File XXXX XXXX ) I am filing this formal complaint regarding an account reported on my XXXX  credit report by XXXX XXXX XXXX ( Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX ), with a reported balance of {$560.00} and a status of Collection. This entry is associated with an alleged debt originally held by XXXX, XXXX, and is currently marked as disputed on my credit report. 

Violation of XXXX XXXX Code XXXX ( a ) ( XXXX ) Reporting Obsolete Information : If this alleged debt originated from a last payment date prior to XX/XX/year>, and if the date of first delinquency occurred before XX/XX/year>, then this item exceeds the XXXX reporting limit and must be removed immediately. 

Violation of XXXX XXXX Code XXXX ( a ) ( XXXX ) ( A ) Failure to Verify Information Violation of XXXX XXXX Code XXXX ( b ) Failure to Ensure Maximum Accuracy Violation of XXXX XXXX Code XXXX ( b ) Continued Collection Without Validation ( FDCPA )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: EVERBANK, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have a high yield savings account at Everbank. On XX/XX/year> I received an email from Everbank stating that they were changing the terms of the Service Agreement effective XX/XX/XXXX. The limit on External Transfers was to change for {$50000.00} per day to {$10000.00} per day with a monthly limit of {$30000.00}. As this would not meet my banking needs, I decided to withdraw my funds prior to the new terms taking effect on XX/XX/XXXX. 

However, when I attempted to initiate an external transfer, the online service refused to accept a transfer exceeding {$10000.00}. So I entered multiple transfers of {$10000.00} to occur on a daily basis. Everbank responded by canceling the transfer and froze my account. I had to make multiple phone calls to unfreeze my account and obtain access to my funds. They claimed that they were concerned that the transfers I had set up were fraudulent, but provided no rationale for this. This claim holds no water, as the transfers were back to the same account from which I had deposited funds into my Everbank account.

When I enquired why they were not abiding by the terms of the Service Agreement that were in effect, they responded that they had been enforcing the {$10000.00} per day limit si
nce XXXX, and had posted a notice to that effect on their website. However, no notice was sent to customers. 

I have sent since removed my funds from Everbank, as they can not be trusted to abide by their agreements, and actively tried to prevent me from accessing my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I submitted a dispute letter with a fraud report and verified information showing that I did not authorize these collection accounts. The accounts were removed and illegally then put back. Which is a clear sign of fraud. I submitted a fraud report already to them and Im submitting the same one right now as well. This is a clear violation of the fair credit reporting act.

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 2025-07-14 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 filed formal disputes with the credit bureau concerning inaccurate and unverifiable accounts on my credit report. 
Under the Fair Credit Reporting Act ( FCRA XXXX ( a ) ), the bureau is required to conduct a reasonable reinvestigation within XXXX  days, consult with the original furnishers, and provide me with written verification or remove the information if it is unverifiable. 
Instead, the bureau appears to rely on automated systems ( such as XXXX  ) without requesting or reviewing original source documents, in violation of its duty to maintain maximum possible accuracy under FCRA XXXX ( b ) / XXXX XXXX. XXXX ( b ). 
The XXXX XX/XX/2025 enforcement action against Equifax ( resulting in a {$15.00} XXXX penalty ) confirms that these automated or superficial checks do not meet the reinvestigation requirements of the law. 
I requested detailed information about their reinvestigation process and copies of any verification or certification they obtained from the furnishers. They failed to provide this documentation and have continued reporting the disputed items without proof. 

XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
This account has already been deleted from my credit report with bureau XXXX, as they verified that the account was either inaccurate or no longer valid. Therefore, I request that your bureau also remove this collection account from my credit report to maintain accurate and consistent reporting across all bureaus.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that I believe to be incomplete or inaccurate.

I will wait on your response.

Thank you. 
XXXX XXXX Account Information : Creditor/Collection Agency Name : LVNV FUNDING LLC . 
XXXX XXXX XXXXXXXX XXXX, SC XXXX Account Number:XXXX Date Opened/Reported : XX/XX/year>XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-07-14 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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: DE

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights. XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2025-07-14 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: FL

Complaint narrative:
I recently reviewed my credit report and discovered several fraudulent accounts. I request that these accounts be promptly removed, as they are negatively impacting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

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 explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: MI

Complaint narrative:
my info was compromised and i would like for all accounts to be deleted please

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: FL

Complaint narrative:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the accounts listed below. I am firmly convinced that the reporting of these accounts is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the accounts that I request to be investigated and updated : XXXX XXXXXXXX BALANCED {$1700.00} XXXX  XXXX BALANCED {$0.00} XXXX XXXX XXXX {$1600.00}

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 2025-07-14 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: NJ

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX  XXXX - XXXX ALL IN XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DELIVERY - Incorrect Personal XXXX XXXX CT - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX Incorrect Personal XXXX - Incorrect Personal XXXX A XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Byrider Franchising, LLC
State: FL

Complaint narrative:
My contract with XXXX XXXX XXXX includes an arbitration clause requiring disputes to be resolved through arbitration. After issues arose regarding their lending and servicing practices, I attempted to initiate arbitration through the XXXX XXXX XXXX ( XXXX ). 

I submitted my arbitration demand and signed the necessary submission agreement. I requested a hardship waiver for the filing fee due to financial difficulties. However, on XX/XX/year>, XXXX closed the case because XXXX XXXX XXXX refused to sign the submission agreement, which is required when the arbitration forum is not named in the contract. Without their cooperation, the arbitration process can not proceed. 

XXXX XXXX XXXX refusal to participate denies me my contractual right to resolve disputes through arbitration. This is part of an ongoing pattern of bad faith and abusive practices related to their loan servicing. I also previously filed complaints with the Florida XXXX XXXX XXXX XXXX ( XXXX  ) and the Florida Department XXXX XXXX XXXX and XXXX XXXX ( XXXX  ). 

Although I was released from the loan on XX/XX/year>, my dispute arose while the loan was active. XXXX refusal to engage in arbitration violates the spirit of the contract and blocks my right to resolution. 

I request that CFPB investigate this obstruction and hold XXXX XXXX XXXX accountable for their unfair and deceptive servicing practices.

Company response to consumer: Closed with explanation