vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 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:
As per the guidance from the Consumer Financial Protection Bureau CFPB, the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under the XXXX  according to XXXX-debt Final RULE 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted. please delete the following account, 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 2025-08-21 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: MI

Complaint narrative:
XX/XX/XXXX Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Escalation of Identity Theft Complaint XXXX XXXXXXXX XXXX  Accounts I am filing this complaint against XXXX XXXX XXXX regarding fraudulent accounts that have been wrongly verified and continue to be reported despite clear evidence of identity theft. The accounts in dispute are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I previously disputed these accounts with the credit bureaus and XXXX XXXX XXXX. However, the company responded by 'verifying ' the accounts without providing any proof that I opened or authorized them. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( A ), unverifiable information must be deleted.

Furthermore, under FCRA 605B, upo
n receipt of a valid FTC Identity Theft Report, such fraudulent accounts must be blocked within four business days. I have submitted my FTC Identity Theft Report and supporting documents, yet the accounts remain. 
XXXX XXXX XXXX  continued reporting of these unverifiable and fraudulent accounts is a direct violation of FCRA 623 ( a ) ( 3 ) & 623 ( b ) ( 1 ) ( A ). 
I was incarcerated from XXXX through XXXX. These accounts were opened after that period and are fraudulent, as I did not and could not have authorized them. 
I respectfully request that the Consumer Financial Protection Bureau compel XXXX XXXX XXXX  and the credit bureaus to immediately delete these accounts from my credit file and provide confirmation of compliance. 
I am attaching copies of my FTC Identity Theft Report, identification, and supporting documentation for review. 
Sincerely, 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 2025-08-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: TrueAccord Corp.
State: MS

Complaint narrative:
I asked for debt validation from the company. I have not gotten any clear communication and according to 15 usc1692 c ), a federal law prohibiting abusive, deceptive, and unfair debt collection practices by third-party debt collectors and ensuring that debt collectors who follow the law are not at a competitive disadvantage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
On XX/XX/year>, Capital One Credit Union took an automatic payment of {$120.00} from my bank account. On XX/XX/year>, I received a " push notification " from their app stating that payment was returned due to " insufficient funds ", reported me for non payment and charged me an intrest rate on the full unpaid balance. Upon calling them, their automated answering service stated my payment was received and my next due date was XX/XX/year> with a total of {$25.00}. After speaking with a live representative, they informed me that I should consult my bank, XXXX XXXX XXXX XXXX. The live representative for XXXX XXXX was just as confused as I was considering that I not only had the funds to cover the bill, but she found XXXX history of them trying to withdraw the money nor, any history of XXXX XXXX reversing the charge. After speaking with my bank and calling Capital One back, all the live representative told me was there was nothing they could do about it. All of these conversations took place via phone call so any transcripts from the conversations will need to be received from the respective companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute multiple inaccurate and damaging entries on my credit report that have been repeatedly reported and are now severely impacting my credit profile. These items are listed below : XXXX Reported as charged off month after month XXXX XXXX XXXXXXXX Reported as charged off inaccurately XXXX  Repeated charge-off reporting I have reviewed my credit report and noticed that these accounts have continued to show as charged off for multiple months. This is not only factually inaccurate but also in direct violation of the Fair Credit Reporting Act ( FCRA ) Section 623, which requires furnishers to report complete and accurate information and promptly correct or remove inaccurate data. A charge-off can only occur once, not repeatedly over multiple reporting periods. The continued re-reporting of these charge-offs month after month inflates the negative impact on my credit score and misrepresents the status of the accounts. This is misleading and unlawful under FCRA regulations. I am demanding that Experian conduct a proper reinvestigation of these accounts and : 1. Delete or correct all inaccurate charge-off notations 2. Cease further re-aging or repetitive charge-off reporting 3. Provide a written explanation of the outcome of this investigation Enclosed with this letter are copies of my identification and supporting documents to verify my identity. If these inaccurate entries are not removed or corrected within the 30-day window required under FCRA, I am prepared to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), my state Attorney Generals office, and consider legal action for negligent and willful noncompliance. Please treat this matter with urgency and care. I expect confirmation of receipt and a swift, fair resolution. Sincerely, 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 2025-08-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/year>, I contacted Truist regarding fraudulent charges I did not authorize. I informed them that I am a victim of identity theft and requested they remove the fraudulent charges from my account. If they could not properly verify the charges and provide all related information, I asked them to close the account and, at the very least, refrain from reporting any changes or charges to my credit report until validation could occur. They have not responded with the requested information and continue to report incorrect account information, damaging my credit history and reputation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
NATLCRSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research NATLCRSYS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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:
PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: LA

Complaint narrative:
I am disputing the listed account on my credit report due to a lack of validation and proof regarding the debt. The original creditor has failed to provide adequate documentation verifying this account belongs to me and that the information you are reporting is accurate. 

Account # : JEFFERSON CAPITAL SYSTEM # XXXX As stated in Section 609 ( a ) ( 4 ) of the Fair Credit Reporting Act, in the event a consumer disputes the accuracy or completeness of information in their credit file, consumer reporting agencies are required, " to promptly provide notification of dispute to the furnisher of information ''. Therefore, I formally request that you immediately notify the information furnisher of my dispute regarding this fraudulent account. 

Additionally, pursuant to Section 611 and Section 623 of the Fair Credit Reporting Act, as a furnisher of information to consumer reporting agencies, the listed creditor has a duty to fully investigate disputes initiated by a consumer after receiving notice from the CRA. 

I further demand that the furnisher send me hard-copy documentation validating this debt. This includes, but is not limited to : The original account application Terms & conditions I agreed to Proof this account was properly assigned to collections If adequate validation is not provided by [ XX/XX/year> ], I demand this unauthorized account be completely removed from my credit report. 

You can send the response with account validation to me via email or postal mail. If you have questions or need additional information, please contact me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I filed a complaint with the Bureaus a month ago, but the wrong info on my report is still there. I haven't heard back from them, aside from your message saying the company replied to my complaint. How can I trust that they've really looked into the inaccuracies? What steps did they take to verify the accounts? This whole thing is so frustrating! It's been over 30 days since I reached out, and the disputed accounts are still unchanged. If this keeps up, I might have to consider legal action because of the stress it's causing me. Plus, I'm worried about my personal data security after the XXXX, Experian, and Transunion breach.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UPGRADE, INC.
State: MS

Complaint narrative:
On XX/XX/year> I had XXXX $ deposit made to my account, I tried to transfer it out to XXXX XXXX. And it was declined due to insufficient funds. The money was in the account so I contacted upgrade a XXXX XXXX XXXX. The money even though declined had been placed in a pending status. They said they knew about the error and was working to fix it. It's been seven days they have with held my money for a system error of their own. My bills now have late fees. I need my money. When I call or message them they just say they working to fix it. They have no time frame .after that they tried to charge me XXXX # for a transaction to XXXX XXXX the doesn't exist to XXXX XXXX I didn't make they said it was part of the error .they haven't put it back either. It's been seven days

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
I visited my hospital 's emergency room on two back-to-back dates ( XX/XX/XXXX ), seeing the same doctor both days and one of those days involved a XXXX XXXX. We received and are paying the enormous hospital bill and find out that separate charges ( XXXX charges, {$1300.00} & {$1300.00} ) from the provider are now in collections and on my credit report. I was never sent any kind of notification ( written or otherwise ) of these charges from the provider ( {$2700.00} out of the blue for someone who can't afford health insurance is beyond frustrating ) before it was sold to a collections agency XXXX Wakefield & Associates ) in XX/XX/XXXX, who put it on my credit report with yet again no notification or warning of any kind. I requested Wakefield and Associates send a written/printed validation of the debt and all they verbally say is they have " proof '' that the debt is indeed mine and " their system '' says they have printed and sent it out. My husband and I did move in the past year ( Still same state, XX/XX/XXXX ) but had a USPS mail forwarding in place set for the exact date of the move and have yet to receive any kind of written proof from anyone ( Provider or W & A ) that this in fact our debt and not entirely fictional. I simply require physical proof of the debt and all associated information so we can verify and plan to how to address it. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Complainant Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX Md XXXX Phone : XXXX Email : XXXX Company Complained About : XXXX XXXX XXXX XXXX XXXX XXXX Loan / Repossession Complaint Narrative : I am filing this complaint against XXXX XXXX XXXX for inaccurate, incomplete, and misleading reporting of a repossession on my credit report. XXXX XXXX XXXX has failed to provide proper validation of this account and failed to comply with the Truth in Lending Act ( 15 U.S.C. 1601 et seq. ), which requires creditors to provide clear and accurate disclosures of credit terms. I have requested validation, including original signed agreements, payment history, and proof of compliance with federal disclosure requirements, but XXXX XXXX XXXX has not provided such documentation. Additionally, this repossession is being reported to the credit reporting agencies without proper verification in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). Information that can not be verified must be corrected or deleted, yet XXXX XXXX XXXX continues to report this item. What I Am Requesting : 1. Validation of the alleged debt, including complete documentation, repossession records, and proof ofcompliance with 15 U.S.C. 1601. 2. If XXXX XXXX XXXX can not provide this, I request that the repossession entry be deletedfrom all consumer reporting agencies. XXXX. Correction of my credit reports to reflect only verified, accurate, and legally compliant information. This inaccurate repossession reporting has caused significant harm to my credit and financial opportunities. I am requesting the CFPBs assistance to ensure XXXX XXXX XXXX complies with the law and corrects or removes this item. Attachments :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: OH

Complaint narrative:
I am submitting this complaint with absolute certainty and extreme frustration. There are multiple errors on my credit report that I can no longer overlook, as they have been negatively affecting both my life and my credit score, preventing me from achieving financial stability and freedom.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: Nelnet, Inc.
State: MI

Complaint narrative:
Nelnet had all of my student loans for over 10 years! Im just finding out one of my loans was sold to Sloan servicing Nelnet sent no letter no information letting me know of the change Sloan has one of my student loans also never sent out a letter to let me know of the change then allowed me to get past due for several months before reaching out and reported it to the credit report bureau that I was late my credit score dropped over XXXX points I have never made a late payment in over 10 years I called and ask them to dispute due to not informing me properly of the lender change I was told no I should have paid and I was late so it was reported late not understanding that proper notification was given to me of my loan being sold without being notified

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: OH

Complaint narrative:
Between my job ( XXXX XXXX ) and I we have been trying to pay on my student loans but although I do owe money it is saying my Monthly payment is {$0.00} and is being denied. I really would like to pay on my student loans because they are collecting interest. I have a balance of $ XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-08-22 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:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: FL

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law. 
The most appropriate and fair outcome in this matter is the full removal of the inaccurate negative entries from my credit report. I have made every effort to resolve these discrepancies through the proper channels, yet they continue to go uncorrected. It is both frustrating and deeply discouraging that no meaningful steps have been taken. The Fair Credit Reporting Act ( FCRA ) guarantees my right to an accurate credit report, free from unverifiable or incorrect data. Your ongoing inaction not only breaches this legal obligation but has also caused serious financial hardship and emotional distress. I strongly urge you to take prompt and definitive steps to eliminate these harmful items from my credit 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