vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 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: FL

Complaint narrative:
I am submitting this complaint because TransUnion is reporting an outdated and unverifiable charge-off account from XXXX XXXX XXXX ( partial account number XXXX ), which is negatively impacting my credit report. 

The account has remained in charge-off status with a balance of {$570.00} and a credit limit of {$400.00} for over five years, with no payments, updates, or creditor activity since XX/XX/XXXX. 

This continued reporting is both misleading and technically inaccurate. It lacks essential Metro 2 compliance fields, including scheduled payments, actual payments, and updated activitymaking it impossible to confirm its validity. 

I previously disputed this information and received no validation from the data furnisher. Under the Fair Credit Reporting Act ( FCRA ), TransUnion must ensure all reported information is accurate, complete, and verifiable : 15 U.S.C. 1681e ( b ) : Requires credit information to be accurate and complete.

15 U.S.C. 1681i ( a ) : Mandates deletion of information that can not be verified upon dispute.

15 U.S.C. 1681s-2 ( b ) : Prevents furnishers from continuing to report unverifiable or stale data.

Legal precedent in Seamans v. Temple University, 744 F.3d 853 ( 3d Cir. 2014 ), confirms that credit bureaus must remove data that can not be verified. In this case, there is no indication this debt is being actively collected or updated, nor has it been validated.

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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
They allowed me to open my XXXX  account but blocked me instantly and wont allow me use of my XXXX so they forced me to XXXX my account but now I have a credit report and they want me to XXXX XXXX XXXX and do another credit check even though they already opened XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: AR

Complaint narrative:
" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-06-02 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:
Due to a breach of my personal data, unauthorized accounts have been posted to my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these items within 4 days : 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 XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$840.00}

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 2025-06-02 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: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
ally credit reporting has reported a credit that claims I am a authorize user on the card. I contacted them several times to let them know I did not give consent to anyone for this card reporting on my credit. They could not locate my contact information in their system to connect me to the account reporting on my credit. 

Ally XXXX XXXX Account XXXX : XXXX Date Open : XX/XX/year> Balance Reported : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have sent my proof of adresss with social security card with address and drivers license and they refused to remove inaccurate information for XXXX XXXX my name is XXXX XXXX and those are not my accounts and those are not my addresses or either 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 2025-06-02 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: CA

Complaint narrative:
I have sent my proof of adresss with social security card with address and drivers license and they refused to remove inaccurate information for XXXX XXXX my name is XXXX XXXX and those are not my accounts and those are not my addresses or either 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 non-monetary relief
Consumer complaint received 2025-06-02 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: National Credit Systems,Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX [ Todays Date ] To : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX National Credit Systems , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : FORMAL DISPUTE & DEMAND FOR IMMEDIATE DELETION FALSE COLLECTION ACCOUNT Account Name : National Credit Systems , Inc . 
Account Number : XXXX To Whom It May Concern : This letter is a formal notice of dispute and demand for immediate deletion of a fraudulent and inaccurate collection account reported by National Credit Systems , Inc. and displayed on my XXXX credit report. 

I have no knowledge whatsoever of this alleged debt. Additionally, this account wrongly lists a joint owner, whose name I do not recognize and with whom I have never had any relationship, financial or otherwise. I have never authorized, co-signed, or been involved with this individual in any way. 

This account also reflects an address and location that are completely unfamiliar and false. I have never resided in the city or at the address associated with this entry. 

Let me be clear : My only legal name is : XXXX XXXX XXXX My only legal and current address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The presence of this incorrect and unverifiable information constitutes a direct violation of multiple consumer protection laws, including : FCRA ( 15 U.S. Code 1681i ) which mandates that all information on a consumer report must be accurate and verifiable. 

FDCPA ( 15 U.S. Code 1692e ) which prohibits debt collectors from using any false, deceptive, or misleading representations in connection with the collection of any debt.

I am demanding the following : XXXX  must immediately remove this account and all associated false information from my credit report.

National Credit Systems must cease all reporting and collection activities, and provide full validation, including documentation bearing my signature and the correct addressnone of which exist because this debt is not mine. 

All incorrect personal information, including the false joint owner and any incorrect address, must be deleted from my consumer file. 

If this inaccurate account is not completely deleted within 30 days, I will file formal complaints with the CFPB, FTC, and the XXXX  Attorney Generals Office. I will also consult legal counsel to initiate action under the FCRA and FDCPA for willful and negligent noncompliance, including potential claims for damages due to inaccurate reporting. 

I am including the following for identity verification : A copy of my government-issued photo ID A recent utility bill showing my current address You are now legally on notice. This is your opportunity to correct this matter before formal action is taken. 

Govern yourselves accordingly. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I submitted a formal dispute to Nelnet and the U.S. Department of Education in XX/XX/year> regarding the accuracy and validity of student loans reported on my credit report. I requested a reasonable investigation under the Fair Credit Reporting Act ( FCRA ), including copies of original signed promissory notes and confirmation that the loans were valid and properly originated. 
On XX/XX/year>, I received a email from federal student aid center stating that my inquiry was received. Then on XX/XX/year> generic response that did not address my dispute or provide the requested documentation. I followed up on XX/XX/year>, with a second formal FCRA dispute letter reiterating my request for an investigation and documentation. It is now beyond the 30-day response window required by FCRA ( 15 U.S.C. 1681i ), and I have received no additional response or resolution.

I am concerned that the student loans may have been reported inaccurately and that my personal information may have been improperly accessed or used, possibly in connection with the Nelnet data breach.

I am requesting that the CFPB investigate this matter and ensure Nelnet complies with the FCRA by conducting a proper investigation and providing full documentation supporting the validity of the loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-06-02 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX To : Equifax P.O. XXXX XXXX XXXX, GA XXXX RE : Formal Dispute of Inaccurate and Unverifiable Information under the FCRA ( XXXX XXXX XXXX  To Whom It May Concern, I am formally disputing the accuracy and completeness of the account listed below on my credit report. This dispute is submitted pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i and 1681s-2, and the Fair Debt Collection Practices Act ( FDCPA ) where applicable. 
Account Name : XXXX XXXX Partial Account Number : XXXX Date Opened : XX/XX/year> Reported Status : Charge-Off Reported Balance : {$2500.00} Upon review of my credit reports from Equifax, Experian, and TransUnion, this account reflects inconsistent and incomplete reporting, including but not limited to : Absence of full and accurate payment history on Equifax and TransUnion, violating 1681e ( b ) which mandates maximum possible accuracy.

Inconsistent charge-off dates and unclear data regarding the actual charge-off event.

Failure to verify updated information as required by 1681i ( a ) ( 5 ) ( A ) following prior disputes.

Unverified current balance of {$2500.00} after the account was reported closed, which raises doubt as to its accuracy and compliance with 1692g ( b ) of the FDCPA and 1681s-2 ( b ) of the FCRA.

No supporting documentation has ever been provided to validate this alleged debt.

Given these discrepancies and the potential violation of both federal and state consumer protection laws, I demand that this account be permanently deleted from my credit file with your bureau.

If you are unable to fully verify the accuracy and completeness of every data point associated with this account within 30 days, as mandated by 1681i ( a ) ( 1 ), you must delete the entry per federal law. Failure to comply will result in complaints being filed with the CFPB, FTC, and Attorney Generals office, and I will pursue legal remedies as permitted under 1681n and 1681o.

Please provide me with written confirmation of your investigation results and any documentation used to verify the information. This is not a request for reinsertion under 1681i ( a ) ( 5 ) ( B ), but a formal demand for deletion of an unverifiable account. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} 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 {$0.00} 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 {$1900.00} 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 {$4000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/year>, in the process of closing my Apple Card account, I was told directly by a specialist that I would not accrue any additional interest once the account was closed. I asked this clearly and was given a clear No in response. 

While a generic disclaimer earlier in the message mentioned unbilled interest, I relied on the more direct and personal clarification provided by the representative. I asked that clarifying question because the disclaimer was unclear. I closed the account because I was misled to believe I could stabilize my balance without accruing interest. 

As someone with 100 % on-time payment history, I acted in good faith and should not be penalized with additional interest after being told it wouldnt happen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RentDebt Automated Collections, LLC
State: AL

Complaint narrative:
Company failed to provide me with any documentation by delivering to incorrect address when current address was provided for verification of debt. The company stated in a previous response that they arent the owner of this debt and they shouldnt be reporting any of this information on my report because it isnt their debt. This is illegal and they have violated my rights.

I submitted a written dispute to said creditor regarding an account that is inaccurate and/or unverifiable. Under 15 USC 1681i, I ha
ve the legal right to a full reinvestigation. The company failed to properly investigate and continues to report inaccurate information. Additionally, they are in violation of : - 1681s-2 for reporting false or unverified data, - 1681e ( b ) for failing to ensure maximum possible accuracy, - 1681c for reporting obsolete/outdated information. I demand that this account be immediately removed as it violates multiple federal laws. I request that the CFPB step in and force compliance with the FCRA. Failure to resolve this issue constitutes willful noncompliance under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: NC

Complaint narrative:
I am writing to express my deep concern and continued frustration upon reviewing my most recent credit report. Despite my prior communication requesting the correction of erroneous and misleading information, the report continues to reflect inaccurate and unauthorized data that severely impacts my ability to secure new lines of credit. What is particularly troubling is your continued reporting of unverifiable and invalid accountsspecifically collections for which I have never signed any agreement or consented to any obligation with the reporting agencies or third-party collectors. The inclusion of these accounts not only lacks merit but also constitutes a violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Fairway Capital Recovery, LLC
State: NC

Complaint narrative:
I am submitting this complaint because a collection account has appeared on my credit report, but I was never notified of the debt by the collection agency prior to its reporting. 


Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( a ), a debt collector is required to provide a written notice within 5 days of initial communication, which includes the amount of the debt, the name of the original creditor, and a statement of my right to dispute the debt within 30 days. 

I never received any such notice from the debt collector and was not given the opportunity to dispute or request validation of the debt before it was reported to the credit bureaus. 

This lack of proper notice is a violation of the FDCPA and has caused damage to my credit profile. I am requesting that the CFPB investigate this matter and hold the debt collection agency accountable. I have reached out to the agencies to remove this multiple times. 

I am also requesting the removal of this account from my credit reports unless the collector can provide documented proof of proper notification and full validation of the debt. 

Thank you for your assistance in protecting my consumer rights. 


Account : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have inquiries on my credit bureau that I have not authorized nor have knowledge of for auto loan and when I called the bureau direct they said I would have to reach out to you guys to have them removed dating back from 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