vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-09-08 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: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Healthcare Finance Direct LLC.
State: FL

Complaint narrative:
After reviewing the contract provided by XXXX, I have identified clear reasons why this alleged debt is invalid and unenforceable : HFD Is Not a Lender or Creditor The contract explicitly states : Buyer acknowledges and agrees that HFD is not a lender but rather the payment processing service provider of Provider [ XXXX ]. 
This means HFD never extended credit and has no lender/creditor rights. 

XXXX XXXX to XXXX Services My obligation was for services from XXXX. Since XXXX went bankrupt in XX/XX/year> and failed to complete my treatment, the contract was materially breached. 

Right to Assert Defenses Against Any Holder The contract states : ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES. 
This clause allows me to assert XXXX breach of contract as a complete defense to any collection, including by XXXX. 

Additionally, XXXX has not provided proof of assignment or legal authority to collect, nor a full itemized statement of charges. 

For these reasons, this debt is not valid. I am requesting that the CFPB require XXXX to cease collection, close the account, and remove all negative credit reporting. 

If this matter is not resolved in my favor, I will be prepared to pursue legal action to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : XXXX XXXX XXXXXXXX - Account not mine XXXX  - XXXX - Account not mine XXXX XXXX - XXXX - Account not mine XXXX XXXX  - XXXX - Account not mine XXXX XXXX - XXXX - Account not mine XXXX  - XXXX - Account not mine

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 2025-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Winklevoss Exchange LLC
State: TX

Complaint narrative:
On XX/XX/year>, I received a mailed notice from XXXX  stating my credit card account was suspended and that a replacement card was being issued. 

On XX/XX/year>, I called XXXX  because the replacement card had not arrived. The representative stated there was no record of this notice or of a replacement card being issued. 

A replacement card eventually arrived on XX/XX/year>, but when I attempted to use it at XXXX XXXX, the transaction was flagged as fraud, and store staff threatened to call the police. 

On XX/XX/year> before receiving the replacement card I uploaded all requested documentation to resolve my account suspension and was told resolution would take XXXX business days. Despite this, my account remains restricted, and on XX/XX/year>, XXXX  requested the exact same documentation again with no explanation for the delay. 

Throughout this entire period of suspension, XXXX  continued to require payments on my account, despite denying me the ability to use it. I have made the minimum payment, but I do not believe I should be paying for an account that I can not access. My current account details are : Current Balance : {$650.00} Statement Balance : {$420.00} Available Credit : {$230.00} Credit Limit : {$1000.00} I have called Geminis customer service at least 10 times and have received : No explanation for why my account was suspended, No access to the internal decision-making team, Contradictory statements about the suspension and replacement card, Repeated requests for the same documents I already submitted. 

This conduct appears to violate consumer protections under the Fair Credit Reporting Act ( FCRA ) by failing to provide accurate, clear, and timely information about the status of my account, as well as the Truth in Lending Act ( TILA ) and related billing protections by requiring payment on an account I can not use, with no explanation of charges or rights during suspension. The repeated delays, lack of transparency, and contradictory communications have caused financial harm, public embarrassment, and significant inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Company is reporting this to my credit every month and under code UCC 9-609 to 9-610 it is unlawful to report this on my credit every month. 12CFR Part 1022 ( Regulation F ), 15 U.S code 16815-2 ( a )

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 2025-09-08 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: NY

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : 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 2025-09-08 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: NJ

Complaint narrative:
This is now my XXXX disputea number that is absurd and unacceptable. The failure of the data furnisher and CRAs to comply with the FCRA, Metro 2 guidelines, and Consumer Law is now systemic and malicious. The account continues to report false, inconsistent, and outdated information, which is a violation of FCRA 623 ( a ) ( 1 ) ( A ) and Metro 2 reporting codes.

They are knowingly furnishing data that is not verified, not accurate, and not correctthis is now intentional misconduct, subject to penalties under FCRA 616 for willful noncompliance. The CRAs are complicit by continuing to report this information without independent validation.

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 2025-09-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Nelnet, Inc.
State: FL

Complaint narrative:
In XXXX, I applied for the federal student loan forgiveness, relief or CARES Act program. My application was accepted, and from that point forward, I no longer received bills, statements, or any communications from my loan servicer. For several years, I believed my loans were either in forbearance, deferment, or officially forgiven, since I was not contacted or billed. 

In XX/XX/XXXX, I checked my credit report and discovered that four late payments had been reported for my student loan. This was a complete surprise, as I never received any notifications that payments had resumed or were required. I was never given the opportunity to make those payments on time, due to the lack of communication from the servicer. 

Immediately after discovering the late payments, I called the loan servicer and explained the situation. I told them that I was never informed about the repayment requirement and asked that the late payments be removed because the mistake was not mine. These late payments have severely impacted my credit score, even though I always acted in good faith. 

The company representative told me that they could not remove the late payments and that I had to take it up with the credit bureaus instead. I feel this is unfair and unacceptable, as I was not given proper notice. 

Key details : Applied for student loan forgiveness : XXXX No billing or contact from loan servicer : XXXX Late payments discovered : XX/XX/XXXX Number of late payments : 4 Action taken : I called the loan servicer and requested removal of the late marks, but was denied. 

Resolution Im requesting : I respectfully request that these late payments be removed from my credit history, as they were the result of a lack of notification, not willful non-payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX To : Collection management co. 

Subject : Formal Dispute & Demand for Permanent Deletion COLLECTION MANAGEMENT CO Accounts Dear Collection management co. 

I am writing to formally dispute and demand the immediate and permanent deletion of the following collection accounts reported by COLLECTION MANAGEMENT CO on my credit report. These accounts are inaccurate, incomplete, duplicative, and unverifiable under the Fair Credit Reporting Act ( 15 U.S.C. 1681i, 1681e ( b ), 1681n, 1681o ). 

Accounts in Dispute : Account Name Account Number Original Creditor Original Balance Reported Balance Date Opened On Record Until XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Specific Violations and Dispute Details : Duplicative and Inaccurate Reporting : Accounts XXXX and XXXX report identical balances, dates, and payment histories. 

Reporting duplicate debts constitutes a direct violation of 15 U.S.C. 1681e ( b ), which mandates maximum accuracy.

Unverifiable Debt & Insufficient Documentation : I demand full verification, including signed contracts, detailed statements, and proof of my legal liability. 

The current entries provide no documentation ; under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), failure to provide proof requires permanent deletion.

Misleading Payment Histories : All accounts are marked as C ( Collection ) without accurate payment dates or histories.

This violates 15 U.S.C. 1681e ( b ), which requires completeness and accuracy of reported data.

Potential Willful Violations : If your bureau continues reporting these unverifiable and duplicative accounts, you are in violation of 15 U.S.C. 1681n and 1681o, exposing you to statutory and actual damages for willful and negligent misreporting.

Immediate Demands : Conduct a full reinvestigation of all three accounts within XXXX XXXX. 

Provide all documentation verifying my alleged debt, including chain-of-title records from the original creditor, XXXX XXXX XXXX  XXXX XXXX 

Permanently delete any account that can not be fully verified or is duplicative. 

Confirm in writing the permanent deletion of all unverifiable, inaccurate, or duplicative entries. 

Failure to comply will result in immediate escalation, including filing complaints with : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Potential legal action under 15 U.S.C. 1681n and 1681o seeking statutory, punitive, and actual damages. 

This letter serves as formal notice under the FCRA that these accounts are disputed. If verification can not be provided, deletion is required by law. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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:
I am filing this complaint because my credit report contains inaccurate and/or unverifiable information and is negatively affecting my credit standing. I have disputed this information directly with the credit bureau ( XXXX ), but the items remain on my report without proper investigation or correction. The inaccurate reporting is misleading, unfairly damaging my creditworthiness, and has caused difficulties with obtaining credit, housing, and financial opportunities. 

I believe this violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires that only accurate, verifiable information be reported, and that disputes be investigated fairly and in a timely manner.

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 2025-09-08 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: LA

Complaint narrative:
I am writing to formally dispute and request the removal of all unauthorized hard inquiries listed on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Under federal law, no company or individual is permitted to access or place a hard inquiry on my consumer credit file without my direct, written authorization. After reviewing my credit report, I have identified hard inquiries that I did not authorize and for which no permissible purpose exists. These inquiries represent a violation of my rights under the FCRA. 

Accordingly, I demand that all unauthorized hard inquiries be removed from my credit report immediately. Please provide written confirmation once these inquiries have been deleted, and supply an updated copy of my credit report reflecting these corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc . 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance

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 2025-09-08 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-08 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name XXXX XXXX Account number : 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 2025-09-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: MI

Complaint narrative:
They keep contacting me during dispute and have not provided requested information. 

Summary : XXXX issued a letter dated XX/XX/year> that I did not receive until after XX/XX/year>, even though my account had already been flagged as no-contact by their Chief Compliance Officer on XX/XX/year>. This constitutes improper contact and deceptive mailing practices. 

Details : On XX/XX/year>, General Counsel/Chief Compliance Officer XXXX XXXX confirmed in writing that my account was statused so you will not be contacted ( see attached XXXX encrypted email ). 

Despite this, XXXX issued a letter dated XX/XX/year> ( attached ). 

My USPS Informed Delivery records show the letter was not even scanned into the postal system until XX/XX/year>, XXXX XXXX, XXXX XXXX later ( attached ). 

This demonstrates the letter was either backdated or intentionally delayed to misrepresent the timeline. 

I ultimately received it in early XXXX, confirming the mailing delay. 

This contact directly violates the no-contact status and undermines prior CFPB complaints. 


Why this is a violation : XXXX. Improper Contact : The letter was sent after no-contact status was confirmed by XXXX. 


XXXX. Deceptive Practices : XXXX dated XX/XX/XXXX but mailed XX/XX/XXXX misrepresents deadlines and account status. 


XXXX. Regulatory Violation : Contact during an active dispute may violate FCRA, FDCPA, and CFPB servicing standards. 



Requested Relief : Confirm my account remains under no-contact while the dispute is pending. 

Void/withdraw the XX/XX/year> letter and any adverse actions tied to it. 

Provide internal records of the true mailing/postmark date and explain the XXXX discrepancy. 

Correct/update any credit bureau XXXX XXXX with this improper contact. 


Attachments : Exhibit A XXXX letter dated XX/XX/year>. 

Exhibit B USPS Informed Delivery email ( timestamp XX/XX/year> ). 

Exhibit C XXXX  email from Chief Compliance XXXX XXXX XXXX confirming no-contact status ( XX/XX/year> ). 

Exhibit D Copies of prior CFPB complaint confirmations/acknowledgments.

Company response to consumer: Closed with explanation