vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 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: EQUIFAX, INC.
State: SC

Complaint narrative:
The three major credit reporting agencies are reporting unauthorized fraudulent hard inquires, collections/charge-off accounts on my credit report. Please see dispute letter below. 

Your Address City, State, Zip Code Email Address Phone Number Date To Whom It May Concern : I am writing to dispute the following information on my credit report. The item I am disputing is inaccurate and/or incomplete, and I am requesting that it be investigated and removed or corrected as soon as possible. 

Disputed Item Information : Creditor Name : [ Creditor Name ] Account Number : [ Account Number ] Reported Issue : [ Briefly explain the inaccuracy e.g., This account was paid in full, This is not my account, or The amount is incorrect. ] According to the Fair Credit Reporting Act, I have the right to dispute any information I believe is incorrect. I am requesting that this item be investigated and either verified or removed from my credit report. 

Enclosures ( if applicable ) : [ Proof of payment, statement, correspondence, or any supporting documents ] Please complete this investigation within the required XXXX period and send me written confirmation of the outcome. If you are unable to verify the accuracy of the item, please delete it from my credit report. 

Thank you for your attention to this matter. 

Sincerely, [ Your Name ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2025 XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX, MO XXXX Subject : Debt Validation Request and Formal Dispute Account # XXXX To Whom It May Concern : I am writing to formally dispute the validity and accuracy of the account referenced above ( Account # XXXX ), which is being reported by Elan Financial Services on my credit report. The tradeline indicates that this account was purchased from XXXX XXXX XXXX XXXX, yet it is also marked as Paid and Closed. 

This is contradictory and raises serious legal and factual concerns. If the account is indeed paid and closed, there should be no further collection activity. Additionally, Elan Financial Services appears to be reporting or collecting on the account as though you are the original creditor, while the record shows that the debt was purchased which makes your company a debt collector under federal law. 

Accordingly, under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, I am requesting the following information for full validation of this debt : Formal Requests for Validation : A detailed debt validation letter showing : The total amount of the debt The name of the original creditor Proof that your company owns or has been assigned the debt A copy of the original signed contract with my wet ink signature A copy of the assignment contract or purchase agreement between your company and XXXX XXXX XXXX XXXX. 

A full payment history associated with this account. 

Confirmation of whether any insurance claims or charge-offs were paid on this account. 

A documented chain of title tracing ownership of the debt from the original creditor to Elan Financial Services. 

FCRA and FDCPA Compliance Reminder : Until this information is provided, you are required to cease all collection activities, including reporting to the credit bureaus, under 15 U.S.C. 1692g ( b ). Reporting a paid and closed account as collectible, without proper documentation, constitutes inaccurate reporting and is a violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) under the Fair Credit Reporting Act ( FCRA ).

Given the discrepancies and the absence of legally required documentation, I am demanding that this account be immediately removed from all consumer reporting agencies and that no further attempts be made to collect on this alleged debt until full and proper validation is provided. 

Please provide a written response within 30 days of receipt of this letter. 

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 non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelnet, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Subject : Dispute of Inaccurate Student Loan Reporting Due to Abolishment by Department of Education To Whom It May Concern, I am writing to formally dispute the accuracy of student loan information currently reported on my credit file. According to recent actions by the U.S. Department of Education, my student loan ( s ) associated with [ Loan Servicer Name, if known ] have been forgiven/abolished/discharged, and therefore, the balance and derogatory information should no longer appear on my credit report. 
Details of the account in question : Creditor Name : XXXX XXXXXXXX XXXX Account Number : BOTH XXXX Type of Loan : student loan I am requesting that the inaccurate information be investigated and removed or updated to reflect a {$0.00} balance with no delinquency or negative history, as these loans have been eliminated under the latest Department of Education actions .

I have enclosed supporting documentation, including a copy of the discharge/forgiveness notification from the Department of Education ( or servicer ), along with a copy of my credit report showing the inaccurate information. 
Please conduct an investigation into this matter in compliance with the Fair Credit Reporting Act ( FCRA ). I request a written confirmation of the results of your investigation and an updated copy of my credit report once the issue is resolved. 
Thank you for your time and assistance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern, Subject : Formal Demand for Immediate Removal of Unauthorized Hard Inquiries Notice of Violation of Federal Law ( 15 U.S.C. 1681n ) I am writing to formally dispute and demand the immediate removal of the following unauthorized hard inquiries from my credit report under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b and 1681n : Inquiries to be removed immediately : 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 Mortgage XXXX XXXX These inquiries were made without my authorization or a permissible purpose as defined under 15 U.S.C. 1681b. I did not apply for credit with these entities, nor did I grant any consent allowing these companies to access my credit report. Therefore, these actions constitute a violation of federal law.

Under 15 U.S.C. 1681n, willful noncompliance with the FCRA is subject to actual damages, punitive damages, and attorneys fees. Be advised that if these inquiries are not removed from my credit report within 7 days, I will pursue all legal remedies available to me, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and legal action for damages under 15 U.S.C. 1681n. 
This is your final notice. Failure to comply will result in immediate escalation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern, Subject : Formal Demand for Immediate Removal of Unauthorized Hard Inquiries Notice of Violation of Federal Law ( 15 U.S.C. 1681n ) I am writing to formally dispute and demand the immediate removal of the following unauthorized hard inquiries from my credit report under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b and 1681n : Inquiries to be removed immediately : 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 Mortgage XXXX XXXX These inquiries were made without my authorization or a permissible purpose as defined under 15 U.S.C. 1681b. I did not apply for credit with these entities, nor did I grant any consent allowing these companies to access my credit report. Therefore, these actions constitute a violation of federal law.

Under 15 U.S.C. 1681n, willful noncompliance with the FCRA is subject to actual damages, punitive damages, and attorneys fees. Be advised that if these inquiries are not removed from my credit report within 7 days, I will pursue all legal remedies available to me, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and legal action for damages under 15 U.S.C. 1681n. 
This is your final notice. Failure to comply will result in immediate escalation. 
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 2025-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 2025-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: NC

Complaint narrative:
I have filed one complaint already however since then they have fixed all charges but the biggest one and refuse to do so I keep filling my dispute for XXXX and they keep denying I made this fraud purchase in XX/XX/2025 and all other mistaken charges have been fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: NC

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: GA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am filing a complaint against TransUnion for failing to properly investigate my dispute regarding an inaccurate item on my credit report resulting from identity theft. I submitted all required documentationincluding a police report, FTC Identity Theft Report, government-issued ID, and proof of addressyet TransUnion verified the disputed XXXX account ( ending in XXXX ) as accurate without providing any evidence of my liability or a signed contract. 

In the same dispute submission, I also challenged a XXXX XXXX XXXX account, which was removed. This inconsistency raises concerns about the adequacy and fairness of TransUnions investigation process. If my documentation was sufficient to remove XXXX, it should have also been sufficient to remove XXXX. 

Additionally, TransUnion failed to provide documentation verifying the debt or honoring my identity theft claim under FCRA 1681c-2, which requires credit bureaus to block identity theft-related information upon receiving proper documentation. TransUnion has also not provided any original documents, such as a signed application or contract, to support their claim of verification. Under FCRA 611 ( a ) ( 5 ) ( A ), unverifiable or disputed information must be promptly deleted, and under 611 ( a ) ( 7 ), the consumer has the right to receive a description of the reinvestigation procedure. I received neither.

These failures demonstrate a lack of compliance with FCRA 1681i and 1681c-2, and have caused ongoing damage to my credit score, financial standing, and emotional well-being. TransUnions conduct may also violate the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), which prohibits unfair and deceptive practices in consumer 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 non-monetary relief
Consumer complaint received 2025-04-23 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FIRST HORIZON BANK
State: TX

Complaint narrative:
I was trying to open First Horizon Business Checking account for my LLC. It was stopped/obstructed with the reason " can not verify your identity '' and you need to go to your nearest branch. I contacted local branch at XXXX TX. When I contacted what all documents I need to bring I was provided this list : 1 ) certificate of formation 2 ) EIN # 3 ) Driver 's license I provided the certification of formation that was provided to me by secretory of state of Texas and it is working fine since XXXX  and I had opened business accounts with XXXX, XXXX XXXX, XXXX, XXXX XXXX  and other institutions but for some reasons " XXXX '' is stating that " certification of formation '' is not valid and of not right format. I asked what exact format you are looking and exact justification and then no answer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: TX

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX XXXX XXXX XXXX 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion 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 TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

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 2025-04-22 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: AL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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 explanation
Consumer complaint received 2025-04-23 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: MI

Complaint narrative:
PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO XXXX XXXX-DEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 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 FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS : XXXX XXXX XXXX {$11000.00} XXXXXXXX XXXX {$110.00} XXXX XXXX {$210.00} THE FOLLOWING ADDRESSES SHOULD ALSO BE DELETED : XXXX XXXX XXXX XXXXXXXX , MI  XXXX XXXX XXXX XXXX XXXX , MI 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