vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-01 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:
XXXX XXXX XXXX XXXX XXXX has made repeated attempts, including wage garnishment, to collect an alleged debt without validation. Their continuous reporting to my consumer file is a violation of my rights and causing me financial harm. 

Alleged Debt : {$1000.00} ACTION : Wage/Bank Account Garnishment Attempt DATE E-FILED : XX/XX/scrub>XXXX XXXX XXXX COURT RULING : DENIED XX/XX/scrub>XXXX XXXX XXXX The attached garnishment docket from XXXX XXXX XXXX XXXX XXXX Florida constitutes documentary proof that XXXX XXXX XXXX XXXX XXXX : 1. Attempted asset seizure through wage/bank garnishment before providing debt validation 2. Engaged in collection activity in direct violation of 15 U.S.C. 1692g ( b ) cease requirements 3. Filed legal action without establishing ownership or legal standing to collect 4. Violated due process requirements under Florida law and federal consumer protection statutes Attached is GARNISHMENT VIOLATION DOCUMENTATION from XXXX XXXX XXXX XXXX, Florida as evidence of XXXX XXXX XXXX ' FDCPA violations through improper garnishment attempts in violation of 15 U.S.C. 1692g ( b ). 

A. XXXX XXXX EVIDENCE OF FEDERAL LAW VIOLATIONS The attached garnishment docket from XXXX XXXX XXXX XXXX, Florida, Case No. XXXX XXXX, constitutes documentary proof that XXXX XXXX XXXX XXXX XXXX XXXX 1. Attempted asset seizure through wage/bank garnishment before providing debt validation 2. Engaged in collection activity in direct violation of 15 U.S.C. 1692g ( b ) cease requirements 3. Filed legal action without establishing ownership or legal standing to collect 4. Violated due process requirements under Florida law and federal consumer protection statutes B. JUDICIAL RECOGNITION OF IMPROPER PROCEDURES The court 's denial of XXXX XXXX XXXX garnishment attempt provides third-party judicial validation that their collection procedures were improper and legally insufficient. 

XXXX PATTERN VIOLATION EVIDENCE Based on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), Florida courts recognize that " aggressive legal actions '' by debt collectors must comply with proper statutory procedures. XXXX XXXX 's garnishment attempt demonstrates the systematic disregard for FDCPA validation 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 2025-11-01 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: TX

Complaint narrative:
Account XXXX : XXXX  XXXX Account XXXX : XXXX  Account XXXX : XXXX Account XXXX : XXXX XXXX XXXX I understand that these accounts reflect negative payment history. and are closed accounts showing on my report. However, I am requesting removal of these accounts as a gesture of goodwill. I have since taken steps to improve my financial responsibility and maintain positive credit behavior. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), I am requesting that these accounts be investigated and removed from my credit report if any inaccuracies are found. If accurate, I respectfully ask that you consider removing these negative marks to reflect my current responsible credit management. 

Thank you for your time and consideration. I would greatly appreciate your prompt action on this matter.

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 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Account XXXX : XXXX  XXXX Account XXXX : XXXX  Account XXXX : XXXX Account XXXX : XXXX XXXX XXXX I understand that these accounts reflect negative payment history. and are closed accounts showing on my report. However, I am requesting removal of these accounts as a gesture of goodwill. I have since taken steps to improve my financial responsibility and maintain positive credit behavior. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), I am requesting that these accounts be investigated and removed from my credit report if any inaccuracies are found. If accurate, I respectfully ask that you consider removing these negative marks to reflect my current responsible credit management. 

Thank you for your time and consideration. I would greatly appreciate your prompt action on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
As we are in the middle of a government shutdown USAA waited for my check from XXXX to come in and restricted my account this is the second time they have done this, except now when I call them they are telling me that they will be closing my accounts and I have no access to my money today is the XXXX and my bills are due, they are saying I have to wait XXXX they will send the money to me. I need this resolved with the utmost urgency because I have to pay my bills

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-01 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Goal Structured Solutions, LLC
State: CA

Complaint narrative:
On XX/XX/2024, I enrolled in the XXXX XXXX XXXX financed through XXXX XXXX for {$10000.00}. XXXX  enrollment policy clearly stated that students had 10 days to cancel for a full refund. 

Within that 10-day period, I exercised my right to cancel. XXXX confirmed my cancellation and refund approval in writing via email. Despite their written approval, no refund was ever issued, and I later learned that XXXX permanently closed operations. 

I contacted XXXX XXXX and explained that the loan should have been refunded, as the school acknowledged the cancellation and never provided any educational services. I now remain responsible for a {$10000.00} loan balance for a program I never attended and that no longer exists. 

I am submitting this complaint to request that the CFPB investigate the matter, require XXXX XXXX to cancel the loan, and ensure I am refunded or credited in full for funds disbursed to a closed school that failed to deliver any services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
Someone tried to use my checking account fraudulently the bank made me close the checking account to access my $ there was no fraud in my savings account and my direct deposit was being sent to my savings so I told them do not mess with my savings dont close my savings account and I opened a new checking account I had another {$500.00} deposit in my account and the day after they sent our payroll but b4 we get our $ they closed my savings and blocked me from online access to mobile app now they have XXXX $ in need to pay my rent and refuse to give my $ or reopen my account citi bank is financial institution

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 2025-11-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I woke up to check my XXXX XXXX account as I had it set up to receive emergency funds from a XXXX campaign. It did not show up in my account. I called the bank and they stated that they closed it for inactivity for the last 60days ( there have been transfers in and out but the current amount was zero ). I explained I had funds initiated to deposit TODAY and he basically told me that it wouldnt be opened until 4 days later. I received no notice that this account would be closed and now I have lost the emergency funding from my campaign due to what should be an illegal policy that I had no notice of.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I would like like to be reimbursed for the reported transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: PA

Complaint narrative:
Date : XX/XX/year> To : XXXXXXXX XXXX Attn : Credit Reporting Department XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Final Notice FCRA Violations and Intent to Pursue Legal Action Account Reference : XXXX To Whom It May Concern, This letter serves as final notice regarding XXXX XXXX  willful and negligent violations of the Fair Credit Reporting Act ( FCRA ) specifically 15 U.S.C. 1681s-2 ( a ) ( 5 ) and 15 U.S.C. 1681e ( b ) in connection with the reporting of the above-referenced account. 
According to my credit report, XXXX is still reporting this account as Collection/Charge-Off, with a reported date of XX/XX/year>. Once an account is charged off, it is closed and can not legally be updated or re-reported as delinquent each month. This repeated monthly furnishing of derogatory information is false, misleading, and a direct violation of the FCRA. 
In addition to the unlawful ongoing updates, XXXX is also reporting false identifying information, including : An incorrect name, listed as XXXX XXXX XXXX instead of my legal name Ill have a screen shot that shows my real name ; and An unauthorized address that I have never provided, resided at, or authorized XXXX to use. I have a screenshot that will be enclosed of the two unknown addresses that I am unaware of.

These inaccuracies constitute violations of FCRA 1681e ( b ), which mandates that furnishers of credit information maintain the maximum possible accuracy in all data reported to consumer reporting agencies. 
You are hereby demanded to : Cease and desist all future reporting and updates of this charged-off account to any credit bureau ; Remove and permanently delete all inaccurate personal information ( the incorrect name and unauthorized address ) ; Provide written confirmation of compliance within 10 business days of receipt of this letter.

If these violations are not corrected immediately, I will pursue civil legal action for willful and negligent violations of the Fair Credit Reporting Act. My attorney is currently reviewing this case, and I will also be submitting complaints to the Consumer Financial Protection Bureau ( CFPB ) and the Office of the State Attorney General. 
This is your final warning before litigation proceeds. Govern yourselves accordingly. 
Sincerely, XXXX XXXX Attorney : 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 2025-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GREENSKY OPERATIONS, LLC
State: CA

Complaint narrative:
I am disputing a loan issued by GreenSky ( Loan # [ INSERT LOAN NUMBER ] ) used to finance a home improvement contract with XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ( d/b/a XXXX XXXX XXXX ), located in XXXX, Ohio. The signed agreement, dated XX/XX/year>, was for full crawl-space encapsulation of two crawlspaces and installation of a dehumidifier. 

The contractor failed to perform the work as described. Instead of full encapsulation, they installed only a partial vapor barrier, which does not meet the contract terms. A project manager from the company later admitted in writing ( XX/XX/year>XXXX  ) that the job was " not a full encapsulation '' and that pricing influenced their decision to perform less work than agreed. 

Despite multiple written attempts to resolve the issue, the contractor has not completed the work or issued any refund. I also provided GreenSky with documentation, including the contract, the contractors written admission, and an outside inspection confirming that the key components of the project were never delivered.

The loan remains active, and I am being billed for services that were not provided. I have filed a complaint with the Ohio Attorney Generals Consumer Protection Section for breach of contract and deceptive business practices under Ohio Revised Code XXXX and XXXX. 

We have all written correspondence and proof of breach of contract when you'd like.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Mid-Atlantic Finance Co., Inc.
State: MI

Complaint narrative:
I am submitting this complaint regarding Mid Finance ( MAF ) and their refusal to release my vehicle title after my account has been closed. 

On XX/XX/year>, I was contacted by Account XXXX XXXX XXXX regarding a settlement offer. I responded that I was interested but unable to pay at that time. Later, on XX/XX/year>, I reached out to make an offer of {$500.00} to settle the account and receive my title. XXXX XXXX replied on XX/XX/year>, stating they would only release the title if I paid either {$1000.00} in full by XX/XX/year> or {$1500.00} over 5 months. 

My account is closed, and I have not received any documentation showing that the title is being lawfully withheld or that the company retains any legal lien on the vehicle. Their continued refusal to release my car title unless I pay additional funds appears to be unfair and coercive collection behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: NC

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX. Dispute, XXXX XXXX  late payments on my credit report. 
Account opened on XX/XX/XXXX, it was for XXXX  months, so how can I be late XX/XX/XXXXXXXX 
XXXX. Dispute XXXX collection /charge off on my credit report I dispute this charge ; I don't owe them anything. My service went out I canceled service they then sent me a bill for the time the service was down.

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 2025-11-01 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: VA

Complaint narrative:
XXXX  XXXX XXXX ( XXXX XXXX. XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No. XXXX ). 

I am a XXXX  VETERAN that was impacted by XXXX  XXXX XXXX and also XXXX XXXX. My NAM

E, DOB, SSN, ADDRESS, DRIVER 'S LICENSE, BANK DETAILS AND CARD NUMBERS WAS IMPACTED AND STOLEN. This complaint serves as notice of my intent to pursue binding arbitration and litigation against Experian Plc ( Experian ) for violations of federal and state consumer protection laws stemming from your willful and negligent repo
rting of inaccurate information on my consumer credit report. 

I. INACCURATE ACCOUNT AND INFORMATION Despite my previous disputes, Experian continues to report the following inaccurate information on my consumer credit report : II. PREVIOUS DISPUTES I have previously disputed these inaccurate items with Experian : FRAUDULENT ACCOUNT INFORMATION a ) XXXX XXXX XXXX : XXXX XXXXXXXX {$2000.00} : Allegedly Opened XX/XX/XXXX b ) XXXX XXXX : XXXX XXXX  {$13000.00} : Allegedly Opened XX/XX/XXXXXXXX  c ) XXXX XXXX XXXX  : XXXX XXXX  {$100.00} : Allegedly Opened XX/XX/XXXXXXXX  Despite my reasonable investigation requests, Experian has failed to : Conduct a reasonable reinvestigation as required by law Correct or delete the inaccurate information Provide me with adequate documentation supporting the accuracy of these accounts Comply with statutory obligations under the Fair Credit Reporting Act ( FCRA ) Experian violates VIOLATION : 15 U.S.C. 1681i : INVESTIGATION PROCEDURES Experian dispute investigations are FRAUDULENT : a ) Form letter responses claiming verified WITHOUT investigation b ) PREDETERMINED outcomes regardless of dispute legitimacy c ) REFUSAL to delete unverifiable accounts as required by 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 2025-11-01 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: CCS Financial Services, Inc.
State: IN

Complaint narrative:
I am submitting this complaint regarding the account reported by XXXX XXXX ( Account XXXX XXXX XXXX XXXX ), opened on XX/XX/year>XXXX  with a high balance of {$660.00}, listed as a collection account. I have no knowledge or association with this account, and I have never authorized, opened, or agreed to any debt with this company. The reporting of this account is false, damaging, and a clear violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

This inaccurate entry has negatively affected my credit standing and caused undue harm. The furnisher has failed to provide any verifiable proof of ownership or signed documentation linking me to this alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: Nelnet, Inc.
State: IN

Complaint narrative:
I am filing this complaint regarding multiple inaccurate accounts reported by DEPTEDNELNET  ( Account XXXX XXXX XXXX XXXX XXXX XXXX  ), opened between XX/XX/XXXXXXXX  and XX/XX/XXXX, with various high balances ranging from {$830.00} to {$4500.00}, all reported with late payment history. 

These late payment entries are completely inaccurate and misleading. I have never made any late payments on any of these accounts. The repeated reporting of false delinquencies across multiple accounts is a serious violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers to report only accurate and verifiable information. 

These errors have caused unnecessary damage to my credit profile and reputation. Despite my consistent payment history, DEPTEDNELNET continues to report false negative marks without providing any verifiable proof or payment documentation supporting these alleged delinquencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Resurgent collection company is requesting $ XXXXcharged on or about XX/XX/year>, to be paid. This is also being reported to my credit bureau as a collection. They can not provide any documentation to prove that it is mine. Only electronic documentation. This is a XXXX charge that I did not initiate. I have a XXXX account that is attached to my checking that I have had for years, and I have yet to see this amount charged to my account. I can provide documentation showing this amount was never attempted to charge to my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 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: NY

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation