vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 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: GA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Cease and Desist & Dispute of Charged-Off Account Reporting To Whom It May Concern, I am writing to formally dispute and demand that you cease and desist all communication and credit reporting activity related to the charged-off account allegedly associated with my name. 

Account Number XXXX This account has been marked as a charge-off, and I believe the reporting is inaccurate, incomplete, or unverifiable under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Furthermore, if XXXX XXXX XXXX XXXX is acting in any capacity as a debt collector, this letter also serves as a cease and desist notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

You are hereby instructed to : 1. Cease all direct and indirect communication with me regarding this charged-off account.

2. Immediately cease reporting any negative or derogatory information related to this account to the credit reporting agencies ( XXXX XXXX  and TransUnion ). 
XXXX. Provide written verification of the debt, including a full payment history, original signed agreement, and itemized breakdown, or else remove the account entirely from all credit reports. 

If you can not provide verifiable proof of the accuracy and completeness of this information, you must delete this account from my credit file immediately, as required by the FCRA.

Be advised that failure to comply with this request m

ay result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and/or legal action for violations of federal consumer protection laws.

Please respond in writing within 15 calendar 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 explanation
Consumer complaint received 2025-07-23 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: NV

Complaint narrative:
b'I solemnly affirm Under the risk of egal consequences that i am making an allegation against an individual or a company. According to this claim they \nutilized my social security number and card along with other personal identifying information without my consent to apply for goods services or  \nsucceeded in creating several accounts through this unauthorized action. I want to emphasized that i have no knowledge of these activities and the  \nmatter is currently under investigation by the FTC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: AL

Complaint narrative:
I am a verified XXXX XXXX XXXX XXXX  and submitted my required documentation to Equifax under Section 605C of the Fair Credit Reporting Act ( FCRA ) and 12 CFR 1022.142. This law requires Equifax to block all adverse credit information resulting from trafficking within 4 business days of receiving proper documentation. Despite providing my Self-Attestation form and supporting materials multiple times, Equifax continues to mishandle my submission by treating it as a basic dispute and stating it will take 25 to 30 days to " investigate. '' This violates federal law, which clearly states blocking must occur within 4 business days, not after an extended dispute process. I have resubmitted my documents multiple times, made it clear this is a 605C submission, and cited the proper regulation, yet Equifax continues to mishandle my case. Equifax 's failure to properly process my trafficking-related claim has caused ongoing harm to my credit and violates my rights under FCRA 605C .

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Servatus Corporation
State: TX

Complaint narrative:
A collection agency named XXXX XXXX XXXX has placed a collection account on my credit report with [ XXXX XXXX XXXX XXXX XXXX XXXX 

I do not recognize this debt and have never received proper validation or documentation proving that the debt is legitimate or that I owe it. 

In addition to the questionable collection account, XXXX XXXX XXXX conducted a hard inquiry on my credit report on [ XX/XX/year> a substantial amount of time after the collection was placed on my credit file ] without my knowledge, consent, or any permissible purpose. This is a direct violation of the Fair Credit Reporting Act ( FCRA ), which prohibits companies from accessing consumer credit reports without proper authorization. 

This company has : Reported an unverifiable debt Failed to provide validation upon request ( if applicable ) Committed an unauthorized hard inquiry Damaged my credit and violated my consumer rights I request the CFPB investigate XXXX XXXX XXXX for these violations and require them to : Provide full validation of the alleged debt Show documented authorization for the hard inquiry Remove both the collection account and the unauthorized hard inquiry from all credit bureaus If they can not provide this documentation, the information must be deleted immediately as required under federal law.

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 2025-07-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: NY

Complaint narrative:
Subject : Complaint Against Student Loan Servicer for Misconduct XXXX. Your Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Loan Servicer Information : NelNet Servicer Name : [ Name of Loan Servicer ] Loan Account : XXXX Type of Loan : Federal XXXX. Nature of Complaint : Incorrect loan balance reported Failure to process loan forgiveness or discharge requests Inaccurate reporting to credit bureaus 4. Description of the Issue : I am filing this complaint against NelNet due to errors in my student loan account. On XX/XX/XXXX, I noticed that my loan balance was incorrectly reported as {$15000.00} despite my receiving XXXX XXXX XXXX on XX/XX/XXXX that was misapplied, causing my account to reflect in default. I contacted customer service on XX/XX/XXXX. XXXX, but they are stating to correct the issue would be the Department of Education.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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:
b'"I sent a certified letter to Experian  XXXX with a tracking number  XXXX XXXX XXXX XXXX XXXX XXXX  via USPS. The letter was received on XXXX Experian did not reply to my request I proceeded to send another letter dated XXXX  which was also ignored. The account I am disputing is with bank: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 2025-07-23 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: NY

Complaint narrative:
I am filing a complaint against TransUnion for continuing to report a collection account from XXXX XXXX XXXX  ( original creditor : XXXX ), despite a formal dispute I submitted on XX/XX/year>. 

I requested verification of the debt, including proof of assignment and a signed agreement, but no documentation has been provided. This account is being reported differently on XXXX, further undermining its accuracy. 

TransUnion is in violation of the Fair Credit Reporting Act : 1681e ( b ) : Inaccurate and inconsistent reporting 1681i ( a ) : No reinvestigation results provided 1681c-2 : I assert my right to block unverifiable information within 4 business days

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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is in Violation of FCRA 15 U.S.C. 1681b and Related Sections

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 2025-07-23 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 filing a complaint regarding an account reported by XXXX XXXX XXXX that appear on my credit report with a balance of {$150.00}, labeled as " Placed for Collection. '' According to my records, this debt stems from a gym membership, which is not a credit-based obligation and is not governed by the Fair Credit Reporting Act 's list of permissible credit-reportable debts.

I was not provided with prior written notice of the outstanding balance and I was not informed that the account would be sent to collections or reported to the credit bureaus. The account was opened XX/XX/year>, and was already reported to credit bureaus by XX/XX/year>, which suggests a lack of time for the proper due process of debt validation. 


The entry is also incomplete, missing essential data such as the type of account, contract terms, and them original creditor 's full identity. This violates FCRA guidelines which require all reported accounts to be accurate, complete, and verifiable.

This inaccurate and inappropriate reporting has negatively impacted my credit score. Gym memberships are considered service-based agreements, not credit-based products, and reporting them without full disclosure and documenting is both unfair and misleading.

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 2025-07-23 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: IL

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLIANT CREDIT UNION
State: IL

Complaint narrative:
On Jully XXXX or XXXX my debit card was lost or stolen and there were multiple unauthorized or fraudulent transactions in the amount of {$2500.00}. I contacted Alliant Credit Union as soon as I have noticed this fraud and filed a claim. A dispute was filed and later denied after the investigation of the claim Alliant Credit Union claimed that no error occurred. So today the claim was resubmitted. This claim was not properly filed and researched as a result of the conclusion found after the investigation. Allianz credit Union has failed to provide documentation on how they researched my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: TX

Complaint narrative:
Despite repeated credit reporting disputes and validation requests, the credit reporting agency has continued to report and verify an account from XXXX XXXX XXXX as accurate on my credit report. These verifications directly contradict the public legal record. In XXXX XXXX. XXXX filed in Texas state court, XXXX XXXX brought a debt collection lawsuit against me, but failed to validate the debt or comply with a granted discovery order. The court had specifically ordered the Plaintiff to produce a true and correct copy of the original agreement allegedly bearing my signature, any application or identity-verifying documentation ( such as XXXX XXXX XXXX, complete account statements, and any evidence demonstrating that I opened or am responsible for the account. None of these items were provided. At most, Plaintiff submitted generic account summaries that did not establish liability. During mediation, Plaintiffs attorney admitted on record that I had submitted multiple written requests for validation and verification that were ignored. On XX/XX/year>, the court entered a Notice of Nonsuit Without Prejudice after Plaintiff abandoned its case rather than respond to required disclosures. Despite this, the credit reporting agency continued to report the account as verified, which is unsupported by facts or legal findings. Their continued reporting of this unvalidated debt after multiple disputes violates the Fair Credit Reporting Act, including 15 U.S.C. 1681e ( b ) ( failure to ensure maximum possible accuracy ), 1681i ( a ) ( failure to conduct a reasonable reinvestigation ), and 1681i ( a ) ( 5 ) ( failure to delete or correct unverifiable data ). The result is ongoing damage to my credit, financial hardship, reputational harm, and emotional distress.

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 2025-07-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
loan was opened without my knowledge, fraudulently

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CRED Technologies dba cred.ai
State: TX

Complaint narrative:
On XX/XX/year>, I returned a rental car to Dollar Rental and was expecting a refund of two separate authorization holds {$190.00} and {$76.00}, totaling {$270.00} that had been placed on my Unicorn Card ( Cred.ai ). 

Despite the merchant confirming the return and closure of the rental, Cred.ai has failed to release these funds. It has now been over 18 days, and my money remains inaccessible. I have contacted their support team multiple times, but I have not received a valid explanation or timeframe for release. 

Under Regulation E ( Electronic Fund Transfer Act ), companies like Cred.ai must release held funds in a timely manner once a transaction is completed or canceled. Their delay has caused undue hardship and appears to violate federal consumer protection laws. 

Requested Resolution : I am requesting the immediate release of the {$270.00} held from the XX/XX/year> rental return and a formal explanation for the delay. 



Your Info : Name : XXXX XXXX Email : XXXX Phone : XXXX Last XXXX of card : XXXX Company : Cred.ai / XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-07-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
CC to cfpb Dear American Express Executive Office, I am writing to escalate a serious issue regarding the mishandling of my dispute case, which has caused significant financial risk and stress.

Summary of the Issue : I filed a dispute after the merchant refused to provide a required free return label.

Before filing the dispute, I proposed a {$300.00} partial refund, which the merchant rejected. That offer was no longer valid when I initiated the dispute.

American Express closed the dispute without notifying me and refunded only {$300.00} based on an outdated agreement.

I was never given an opportunity to respond. I only discovered the case was closed after noticing a rebill on my account two months later.

The merchant is now threatening to impose a 3050 % penalty if I return the product after two months of delay. This situation was caused by both the merchants delay and AmExs mishandling.

Today, the case was closed again without any communication.

This violates my rights under the Fair Credit Billing Act and AmExs own obligations for dispute resolution.

I have filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding this issue. The complaint reference number will be provided upon request.

I am requesting the following actions within 7 business days : 1. Reopen my dispute immediately and review the case fully. 


2. Provide written confirmation that I will not be penalized due to delays caused by AmExs mishandling. 


3. Ensure future compliance with notification and response requirements.

If I do not receive a satisfactory resolution, I will pursue further action through regulatory agencies and legal channels.

Please confirm receipt of this email and provide a written response within 7 days. 

Thank you, XXXX

Company response to consumer: Closed with monetary relief