vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 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: MS

Complaint narrative:
This letter is a formal follow-up regarding previously disputed items on my credit report. I am demanding immediate action and removal of the following inaccurate and unverifiable accounts that remain on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
This letter is a formal follow-up regarding previously disputed items on my credit report. I am demanding immediate action and removal of the following inaccurate and unverifiable accounts that remain on my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
On XX/XX/year> I send a letter to Nelnet requesting copies of my Signed Master Promissory Note, Nelnet mailed only XXXX copies out of XXXX MPN. and proof of ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: LA

Complaint narrative:
* * Re : Formal Dispute of Charge-Off XXXX XXXX XXXX XXXX XXXX XXXX Account in Question * * : [ XXXX XXXX XXXX XXXX XXXX ] * * Dispute Basis * * : Inaccurate Reporting of Paid/Discharged Debt * *

To Whom It May Concern : * * Pursuant to the * * Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) * * and * * Louisiana UCC laws * *, I dispute the charge-off status of the above-referenced account. The creditor has * * no legal right to collect or report this debt * * because : 1. * * Charge-Off = Discharge Under UCC * * - A charge-off ( write-off ) is an * * accounting admission * * that the debt is uncollectible and has been * * discharged * * by the creditors own actions. - * * La. R.S. 10:3-604 ( a ) * * : A creditors voluntary write-off constitutes a * * discharge of the debtor * * under UCC.

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* Bank of America v. CA, 309 P.3d 918 ( Cal. 2013 ) * : Charge-offs extinguish collection rights. 2. * * FCRA Prohibits Reporting Inaccuracies * * - * * 15 U.S.C. 1681e ( b ) * * : Credit bureaus must maintain reasonable procedures to ensure maximum possible accuracy.

- * * 15 U.S.C. 1681s-2 ( b ) * * : Creditors must correct inaccurate information upon dispute.

- * Seamans v. Temple Univ. *, 744 F.3d 853 ( 3d Cir. 2014 ) * * : Reporting a charged-off debt as " owed '' violates the FCRA.

3. * * Creditors Accounting Admission * * - IRS regulations ( * * 26 C.F.R. 1.6050P * * ) require creditors to issue a * * Form 1099-C * * upon charge-off, confirming the debts cancellation.

- * FDI v. CitiMortgage, Inc. *, 2013 WL 2149697 ( E.D. La. 2013 ) * * : Charge-offs are cancellations under federal tax law.

* * Demand for Action * * : 1. * * Delete * * the charge-off from my credit report immediately.

2. * * Cease * * reporting this as an " outstanding debt '' or " collection account. '' 3. * * Provide * * written verification of the debts discharge per * * 15 U.S.C. 1692g * *.

* * Enclosures * * : - Copy of IRS Form 1099-C ( if applicable ) - Proof of charge-off notice from creditor * * Failure to comply within 30 days * * will result in legal action under : - * * FCRA ( 15 U.S.C. 1681n ) * * : Willful noncompliance penalties ( $ 1,000+ per violation ).

- * * Louisiana UCC ( La. R.S. 10:1-305 ) * * : Damages for wrongful collection.

Sincerely, _________________________ * * XXXX XXXX * * # # # * * Key Legal Points * * : - * * UCC Discharge * * : Charge-offs are accounting discharges ( La. R.S. 10:3-604 ).

- * * FCRA Accuracy * * : Reporting a discharged debt as " owed '' violates 15 U.S.C. 1681e ( b ).

- * * IRS Rules * * : Form 1099-C confirms the debts cancellation ( 26 C.F.R. 1.6050P ).

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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
* * Re : Formal Dispute of Charge-Off XXXX XXXX XXXX XXXX XXXX XXXX Account in Question * * : [ Capital One Acct # XXXX ] * * Dispute Basis * * : Inaccurate Reporting of Paid/Discharged Debt * * To Whom It May Concern : * * Pursuant to the * * Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) * * and * * Louisiana UCC laws * *, I dispute the charge-off status of the above-referenced account. The creditor has * * no legal right to collect or report this debt * * because : 1. * * Charge-Off = Discharge Under UCC * * - A charge-off ( write-off ) is an * * accounting admission * * that the debt is uncollectible and has been * * discharged * * by the creditors own actions.

- * * La. R.S. 10:3-604 ( a ) * * : A creditors voluntary write-off constitutes a * * discharge of the debtor * * under UCC.

- * Bank of America v. CA, 309 P.3d 918 ( Cal. 2013 ) * : Charge-offs extinguish collection rights.

2. * * FCRA Prohibits Reporting Inaccuracies * * - * * 15 U.S.C. 1681e ( b ) * * : Credit bureaus must maintain reasonable procedures to ensure maximum possible accuracy.

- * * 15 U.S.C. 1681s-2 ( b ) * * : Creditors must correct inaccurate information upon dispute.

- * Seamans v. Temple Univ. *, 744 F.3d 853 ( 3d Cir. 2014 ) * * : Reporting a charged-off debt as " owed '' violates the FCRA.

3. * * Creditors Accounting Admission * * - IRS regulations ( * * 26 C.F.R. 1.6050P * * ) require creditors to issue a * * Form 1099-C * * upon charge-off, confirming the debts cancellation.

- * FDI v. CitiMortgage, Inc. *, 2013 WL 2149697 ( E.D. La. 2013 ) * * : Charge-offs are cancellations under federal tax law.

* * Demand for Action * * : 1. * * Delete * * the charge-off from my credit report immediately.

2. * * Cease * * reporting this as an " outstanding debt '' or " collection account. '' 3. * * Provide * * written verification of the debts discharge per * * 15 U.S.C. 1692g * *.

* * Enclosures * * : - Copy of IRS Form 1099-C ( if applicable ) - Proof of charge-off notice from creditor * * Failure to comply within 30 days * * will result in legal action under : - * * FCRA ( 15 U.S.C. 1681n ) * * : Willful noncompliance penalties ( $ 1,000+ per violation ).

- * * Louisiana UCC ( La. R.S. 10:1-305 ) * * : Damages for wrongful collection.

Sincerely, _________________________ * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Key Legal Points * * : - * * UCC Discharge * * : Charge-offs are accounting discharges ( La. R.S. 10:3-604 ).

- * * FCRA Accuracy * * : Reporting a discharged debt as " owed '' violates 15 U.S.C. 1681e ( b ).

- * * IRS Rules * * : Form 1099-C confirms the debts cancellation ( 26 C.F.R. 1.6050P ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
* * Re : Formal Dispute of Charge-Off XXXX XXXX XXXX XXXX XXXX XXXX Account in Question * * : [ XXXX XXXX XXXX XXXX XXXX ] * * Dispute Basis * * : Inaccurate Reporting of Paid/Discharged Debt * * To Whom It May Concern : * * Pursuant to the * * Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) * * and * * Louisiana UCC laws * *, I dispute the charge-off status of the above-referenced account. The creditor has * * no legal right to collect or report this debt * * because : 1. * * Charge-Off = Discharge Under UCC * * - A charge-off ( write-off ) is an * * accounting admission * * that the debt is uncollectible and has been * * discharged * * by the creditors own actions.

- * * La. R.S. 10:3-604 ( a ) * * : A creditors voluntary write-off constitutes a * * discharge of the debtor * * under UCC.

- * Bank of America v. CA, 309 P.3d 918 ( Cal. 2013 ) * : Charge-offs extinguish collection rights.

2. * * FCRA Prohibits Reporting Inaccuracies * * - * * 15 U.S.C. 1681e ( b ) * * : Credit bureaus must maintain reasonable procedures to ensure maximum possible accuracy.

- * * 15 U.S.C. 1681s-2 ( b ) * * : Creditors must correct inaccurate information upon dispute.

- * Seamans v. Temple Univ. *, 744 F.3d 853 ( 3d Cir. 2014 ) * * : Reporting a charged-off debt as " owed '' violates the FCRA.

3. * * Creditors Accounting Admission * * - IRS regulations ( * * 26 C.F.R. 1.6050P * * ) require creditors to issue a * * Form 1099-C * * upon charge-off, confirming the debts cancellation.

- * FDI v. CitiMortgage, Inc. *, 2013 WL 2149697 ( E.D. La. 2013 ) * * : Charge-offs are cancellations under federal tax law.

* * Demand for Action * * : 1. * * Delete * * the charge-off from my credit report immediately.

2. * * Cease * * reporting this as an " outstanding debt '' or " collection account. '' 3. * * Provide * * written verification of the debts discharge per * * 15 U.S.C. 1692g * *.

* * Enclosures * * : - Copy of IRS Form 1099-C ( if applicable ) - Proof of charge-off notice from creditor * * Failure to comply within 30 days * * will result in legal action under : - * * FCRA ( 15 U.S.C. 1681n ) * * : Willful noncompliance penalties ( $ 1,000+ per violation ).

- * * Louisiana UCC ( La. R.S. 10:1-305 ) * * : Damages for wrongful collection. 

Sincerely, _________________________ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Key Legal Points * * : - * * UCC Discharge * * : Charge-offs are accounting discharges ( La. R.S. 10:3-604 ).

- * * FCRA Accuracy * * : Reporting a discharged debt as " owed '' violates 15 U.S.C. 1681e ( b ).

- * * IRS Rules * * : Form 1099-C confirms the debts cancellation ( 26 C.F.R. 1.6050P ).

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 2025-06-24 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:
I am contacting you to report fraudulent accounts that were created without my knowledge. I am not liable for these accounts and am requesting their removal under 15 U.S. Code 1681g. Please resolve this within 15 days. Supporting documents are included.

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 2025-06-24 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:
A recent review of my credit report revealed a hard inquiry I do not recognize or recall authorizing. I did not apply for any form of credit that would justify this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: MI

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the credit bureau but I never received a response from them. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: MI

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 explanation
Consumer complaint received 2025-06-24 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: Global Lending Services LLC
State: CO

Complaint narrative:
I am filing this complaint because I was a victim of identity theft. A hard inquiry from GLOBAL LENDING SERVICES LLC ( XX/XX/year> ) And XXXX XXXX XXXX XXXX ( XX/XX/year> ) appeared on my XXXX credit report on, which I did not authorize or initiate. 

I contacted the company in writing, explaining the situation and providing evidence, including my lease agreement showing I lived at a different address at the time, and noting that my ID had not yet been updated. The inquiry was made using a false address. 

The company has not responded to my letters or provided any explanation. This violates my rights under the Fair Credit Reporting Act ( FCRA ). 

I respectfully request that the CFPB require the company to respond and have the unauthorized inquiry removed from my credit report. Please inform me of the outcome of this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing this complaint against Bank of America ( BOA ) for suspending my automatic payments without notifying me, which resulted in missed payments and fees. 

On XX/XX/year>, I called BOA for an unrelated routine matter. During the call, I also asked the agent to correct a minor name formatting issue on my account ( my first and last name were reversed ). This issue had existed for over 11 years and had never caused problems with my auto payments. 

However, following this call, BOA suspended my auto payment without notifying me through any means. I did not receive an email, in-app alert, or any warning. I had autopay and alerts enabled and was not informed that any account change would interrupt payment processing. 

Over the next XXXX months, I unknowingly missed payments because I assumed autopay was still active. BOA continued to send regular monthly statements with no visible alerts or special notices about missed payments. I later discovered I had been charged {$64.00} in past due fees and {$12.00} in interest. 

I called BOA to request a reversal of these charges, explaining that the auto payment disruption occurred without any notice to me. However, they refused to waive the fees and denied any responsibility. 

I believe this situation was caused by a procedural failure on the banks part and that I was penalized for something I had no reasonable way of knowing. Had BOA sent me any kind of proactive notification, I would have acted 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 monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: FISERV FINXACT CORE
State: MA

Complaint narrative:
This is a formal request to reopen and escalate my complaint against TeleCheck. 
Their XX/XX/XXXX response is provably false and misleading. They claimed they never received my dispute dated XX/XX/XXXX yet I have a screenshot with TeleChecks own internal case ID ( XXXX ) generated in XX/XX/XXXX, directly tied to that dispute. This is irrefutable proof that TeleCheck received my complaint, acknowledged it internally, and simply chose not to respond or investigate.

Under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), they were required to complete a reinvestigation within 30 days. They did not. This means that the disputed information must be deleted. Instead, they are now lying to a federal agency, claiming no record exists, even though they created a record themselves.

I have time-stamped proof, documentation, and screenshots, and I am requesting that the CFPB pursue this as a willful violation of the FCRA, as well as a potential false statement to a federal regulatory body.

I intend to pursue this through all legal means available and am requesting that this be referred to your enforcement division. If no further action is taken, I will file suit under FCRA 1681n and 1681o for willful noncompliance, actual damages, and punitive damages. 

They acknowledged it by generating XXXX ID XXXX in XXXX. 
That triggered their legal duty under 15 U.S.C. 1681i to complete a reinvestigation within 30 days.

They did not.

Thats a strict violation the law says if they dont complete the reinvestigation in time, the disputed information must be deleted.

False Statements to a Federal Agency ( CFPB ) TeleChecks XX/XX/XXXX response claims they never received your dispute. 
Thats demonstrably false. 
They issued a case ID, and you have dated proof. 
Thats misrepresentation in a federal complaint potentially exposing them to civil penalties and legal consequences.

Bad Faith, Willful Noncompliance ( FCRA 1681n ) They didn't just delay they tried to cover it up * see attached screenshots for PROOF

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: WA

Complaint narrative:
I am writing to dispute the following fraudulent account on my credit report, which i believe violate several provision of the Fair Credit Reporting Act ( FCRA ) Fraudulent Account : XXXX XXXX C U Account number XXXX I request the immediate removal of this account under the FCRA, specifically 15 USC 1681e ( b ), USC 1681s-2, 15 USC 1st I 681 ( 5 ), and 15 USC 1681c ( c ). Furthermore, as per Law 605 B, these fraudulent account should be eliminated from my credit report.

Experian Claimed that the account was updated but the errors i disputed is still showing on my credit report.

Inaccuracies : The last active date is inaccurate The last payment date is also inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: CA

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : 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 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 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 non-monetary relief
Consumer complaint received 2025-06-24 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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