vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 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: NC

Complaint narrative:
16 usc 1681 accuracy is vital and essential to consumers report. I have one name XXXX XXXX. No alias. My consumer report is not accurate. According to fcra. Let me help. There are accounts on my report that are reporting inaccurate information. XXXX XXXX XXXX IS A FRAUDULENT UNKNOWN ACCOUNT. I gave submitted the identity report to substantiate the claim by law. Please fix this and send a copy of my corrected report. Thank 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 non-monetary relief
Consumer complaint received 2025-06-23 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: NC

Complaint narrative:
16 usc 1681 accuracy is vital and essential to consumers report. I have one name XXXX XXXX. No alias. My consumer report is not accurate. According to fcra. Let me help. There are accounts on my report that are reporting inaccurate information. XXXX XXXX XXXX IS A FRAUDULENT UNKNOWN ACCOUNT. I gave submitted the identity report to substantiate the claim by law. Please fix this and send a copy of my corrected report. Thank 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 2025-06-23 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: NC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-23 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 my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX 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 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 2025-06-23 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: SC

Complaint narrative:
XXXX XXXXXXXX XXXX XXXXXX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX. XXXX XXXXXXXX XXXX XXXX  - This account is the result of identity theft and is causing significant and unjustified harm to my credit profile. Under the Fair Credit Reporting Act ( FCRA ) 1681c-2 and 1681i, you are legally obligated to block and remove fraudulent accounts once notified. I have submitted the proper identity theft documentation, including my FTC Identity Theft Report. I demand this inaccurate and harmful account be removed from my credit report within 4 days to prevent further damage and violation of my consumer rights. 


These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-06-23 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX Equifax XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or
incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
A check was stolen from my checking account but was not cashed. Bank of America refuses to return the funds to me. It has been almost 60 days. See attached letter that I sent to my congressman.

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 2025-06-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Servicer under contract with Federal Student Aid
State: OH

Complaint narrative:
I submitted a request to have my PSLF eligible loans reviewed for total forgiveness in XXXX XXXX XXXX. I was told that I have over XXXX eligible payments and I have completed all appropriate paperwork to have my employment certified. I was told that this process should have been completed at the six month mark and I would be provided with a letter of the review findings. It has been eight months and I have heard absolutely nothing. they are required to report back in 45 days but they continue to tell me that it is still processing. I have have several transcripts from chats indicating that I have achieved forgiveness and I just have to wait for a letter from the Department of Education once their process is complete. Per their requirements, I must be in a PSLF eligible job at the time of forgiveness, even though I have surpassed the required payment count of 120. I can not leave my current job until this is complete. I have waited for eight months to find another job. Any help would be appreciate as my life is on hold because of this.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Summary : XXXX XXXX is inaccurately reporting a paid-off auto loan ( Account # XXXX ) as discharged under XXXX XXXX XXXX This is incorrect. 
My XXXX XXXX was dismissed before the loan was paid off in XX/XX/XXXX. I received the clear title, proving full repayment. A XXXX XXXX was later XXXX in XX/XX/XXXX, but it did not include this account. 
Despite providing documentation and requesting correction, the lender refuses to update the tradeline to reflect Paid in Full Closed. 

Requested Action : Please compel the creditor to accurately report this tradeline to the credit bureaus in compliance with the Fair Credit Reporting Act ( FCRA ). I am also requesting a written explanation from the lender.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
On XX/XX/XXXX, through my Zelle account included with my XXXX Checking/Savings account. I sent {$700.00} to my wife, as I do every two weeks ( at least ). A little background- if you are familiar with the layout of the Zelle app. it has the individual you most often send money to, with your contacks who also have Zelle in alphabetical order, at the same size and very close to each other, making it very easy to hit the wrong one. But, even if you did, there are usually repeated prompts that ensure you are sending to the correct party.in this case, it immediately completed the transaction without the usual safeguards! ( Note : this individual who received the funds briefly popped up in my previous transaction, scaring me to death ). The next contact was a " XXXX '', who was a cabdriver I hadn't spoken to in years, and had NEVER sent funds to! I repeatedly called him to no avail, until he blocked me ( I presume ) .XXXX  said they would investigate and send me something in writing. I never received anything. I called them once, and they intimated that I would have my funds restored in a few days. I called again, and they said Zelle had closed their investigation, and I was essentially " out of luck ''. I contacted Zelle, and got nowhere, even though I believe it was a glitch in their app that causes the problem Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I am filing this complaint due to ongoing violations of my rights under the Fair Debt Collection Practices Act ( FDCPA ) by LVNV Funding LLC and its servicer, Resurgent Capital Services. 

I previously submitted a written request for full validation of a debt they claim to own. In accordance with FDCPA 15 U.S. Code 1692g, I requested : 1. The name and contact information of the original creditor, 2. Proof that LVNV owns the debt ( e.g., chain of assignment ), 3. A copy of a signed agreement or contract bearing my signature, 4. A full payment history including all amounts, charges, and fees, 5. Documentation that supports the amount they claim is owed.

Instead of responding appropriately, they only sent me a copy of an outdated court judgment that no longer even appears in the public court system. They refused to provide any further documentation and explicitly stated that they decline to provide a purchase and sale agreement or supporting documents.

This is not adequate debt validation under federal law. Despite this, LVNV and Resurgent have continued collection efforts, including furnishing negative information to TransUnion. They have not met their obligation to validate the debt, yet they are actively damaging my credit and attempting to collect on a debt they havent proven they own. 

Furthermore, Resurgents letter dated XX/XX/year>, makes it clear they are refusing to comply with my validation request and have no intention of stopping collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: MA

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX ACCOUNTS : XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$9100.00} XXXXXXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$9500.00}

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 2025-06-23 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: First Technology Federal Credit Union
State: MI

Complaint narrative:
I am filing a complaint against First Tech Federal Credit Union for inaccurate negative credit reporting and failure to comply with proper notification requirements under the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 7 ). 

In summary : My credit card payment due XX/XX/year>, was not auto-paid due to a system-related issue preventing autopay setup, which I documented with First Tech ( error in nickname setup ). 

I had sufficient funds available in my savings account since XX/XX/year>, to pay the balance. 

There was also an ongoing dispute about the amount due, resolved only on XX/XX/year>. 

First Tech states they provided a Late Notice dated XX/XX/year>, and a follow-up dated XX/XX/year>, but these were only uploaded to online banking ; I never received confirmation of delivery or access. 

I paid the balance on XX/XX/year> 22 days after the XX/XX/XXXX notice and potentially fewer than 30 days after actual notice, depending on when I received or accessed it. 

I repeatedly asked First Tech to provide clear evidence that I received legally required notice before or within 30 days of reporting the late payment. They have not provided proof beyond showing an upload date. 

Despite this, First Tech refuses to remove the late payment mark, which has negatively affected my credit with 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 2025-06-23 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: PA

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2025-06-23 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2025-06-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA

Complaint narrative:
Pennymac sent me an act 91 in the mail claiming I failed to " check in '' my problem with that is they never called me. There robo machine called me and it's never a person. They always call me from strange phone numbers I never recognize. On top of all that, we are still legally and contractually in agreement that I have protection until XX/XX/XXXX! Pennymac is bullying me and I don't know what their problem is. They all think that I owe them late fees which twice now the phone operator said I don't have to worry about them and that I'm not obligated to pay them seeing my circumstances. Then Pennymac has the audacity to tack on " property preservation fees '' and " property inspection fees '' first off, what? And second off they have no legal authority to charge me such fees! Here 's the back story on that one, back in XXXX I was behind two months mortgage. Pennymac, thought that they could just send some guy named XXXX to the property without my knowledge or permission and then slap me with this charge! Pennymac can eat their late fees and the " property '' fees. That guy XXXX that slime ball stole my personal property and Pennymac denied all of this happening and yet still charging me with the fees! " We didn't send anyone out there '' liars, they're lairs, dirty filthy rotten liars! And I'm the one who gets gaslit, and financially abused outta all this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: TN

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet. 
I feel like Im being taken advantage of and being ignored for my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

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