vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit card activity has not been reported to Experian credit bureau since XX/XX/XXXX, showing a 55 % credit usage. I contacted the company in XXXX and they said they would investigate. I checked again in XXXX and called again XX/XX/XXXX, the rep was rude and I advised that I just need to know why my credit report is not being updated. Again, she said they will do an investigation. I advised that my credit is being negatively impacted and that I informed them through their message center as well as called them twice. 

The statement balance is {$1200.00} but {$1800.00} still shows on my Experian credit report from XX/XX/XXXX. Equifax shows {$1500.00} from XXXX XXXX. XXXX shows statement balance of {$1300.00}, {$240.00} payments for the month and was last updated XX/XX/XXXX. 

The Experian is the middle score most lenders use and is the one that has not been updated since XX/XX/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 2025-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: FinCo Services Inc DBA Current
State: MD

Complaint narrative:
Im with current the online bank.i been using overdraft fee benefits for the past 3 months and it came to a stop this morning because i wasnt depositing more then XXXX dollars from my paycheck .i didnt know that it was going to take away my benefits tho and i left XXXX in my savings account specifically for essential bills like rent and phone bill and it took my money without my appropriation. the over draft fees were charged against protected government benefits, and asserted my right of appropriation.I have screenshots that I had overdraft fee benefits before and I showed them but I didnt get no justice

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-12-04 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am filing a complaint against XXXX  for reporting inaccurate and unverifiable information ( File # XXXX ). XXXX  has violated FCRA 607 ( b ) by failing to ensure accuracy and FCRA 611 ( a ) by failing to reinvestigate properly.DISPUTED ACCOUNTS : - XXXX XXXX Charge-Off - XXXX XXXX  Charge-Off - XXXX  XXXX Charge-Off # XXXX - XXXX  XXXX Charge-Off # XXXX - Midland Credit Management ( {$8900.00} ) - Midland Credit Management ( {$7000.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: NY

Complaint narrative:
On XX/XX/XXXX, I received an official discharge notice from the U.S. Department of Education stating that the federal student loans I borrowed to attend XXXX XXXX  ( now XXXX XXXX XXXX XXXX XXXXXXXX ) between XX/XX/XXXXXXXX  and XX/XX/XXXXXXXX  are fully eligible for discharge under the Borrower Defense to Repayment group action. The Department of Education determined that XXXX engaged in pervasive and widespread substantial misrepresentations and concluded that these loans are not legally enforceable and that I am no longer obligated to repay them. 

The letter states that : All remaining balances on the eligible loans will be forgiven. 

I am not required to make any further payments. 

The loans must remain in forbearance/stopped collections until the discharge is completed. 

Any attempts to collect or enforce repayment are without legal basis. 

My credit report must be updated once the discharge is processed. 

Despite this federal determination, my loan servicer has not updated my account to reflect the discharge. My online account continues to show the loan as active with repayment terms and a full balance. The servicer displays the following information : Loan Status : Administrative Forbearance until XX/XX/XXXXXXXX  Repayment Plan : Level Ends XXXX/XXXX/XXXX  Current Balance : {$64000.00} Unpaid Principal : {$63000.00} Unpaid Interest : {$1700.00} Interest Rate : 5.375 % Payoff Amounts : {$64000.00} online / {$64000.00} by mail Disbursement Date : XX/XX/XXXXXXXX  These details directly contradict the Department of Educations notice that the loan is being discharged and is not enforceable. The servicer also shows repayment obligations and payoff options, which should not be displayed once the loan has been flagged for discharge. 
I have not opted out of the discharge, I have not disputed it, and I have taken no action that would delay processing. My expectation, based on the Department of Educations instructions, is that the servicer should have immediately updated my account status to reflect the pending discharge and removed any repayment indicators. 

I am filing this complaint because my servicer is failing to follow the Department of Educations directive, has not properly updated my account, and is continuing to show a balance and repayment schedule for a loan that the Department has already deemed unenforceable.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-04 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: FL

Complaint narrative:
Even though the balance has been paid in full, late payment remarks remain.

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 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: FL

Complaint narrative:
I XXXX XXXX on XXXX XXXX received a call from XXXX the person gave me the name of XXXX XXXX XXXX He said he was an investigating. They opened a banking account with US Bank in my name and withdrawals that came from it. He said the investigators could not be on a call. He would have to talk to them and then answer asked me questions he wanted to know about my email account phone number. And any kind of pins that I use I told him I did not have a checking account or savings account with US bank. I only had a loan for the purchase of a RV. He also said his investigators badge number was., XXXX. I called US Bank. They said it was no account check-in savings or credit card in my name only the loan that I have with them. 

You called the number back. It says it is a XXXX number. As I kept telling him I did not have the account and I would not answer questions he hung up and I called that number back and it said it was an XXXX number, but on a XXXX account.

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 2025-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I tried to send a domestic wire transfer to the escrow account provided by the escrow company for my new home purchase as earnest money deposit. Robinhood claimed the transaction usually completes within a business day. And it has been more than 3 business days, they told me there's no hold on the transaction, it simply stuck. I requested expedited processing or cancellation, no response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The record as it stands is incomplete and misrepresents my actual financial history. I respectfully request that you conduct a detailed investigation and update the entry to accurately reflect my true financial behavior.

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 2025-12-04 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: NV

Complaint narrative:
These accounts were added to my record without my knowledge or consent. I kindly ask that you evaluate the details and remove them as appropriate. Attached documents will assist in your review.

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 2025-12-04 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: AZ

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: LA

Complaint narrative:
I owe offer XXXX in student loans debt from XXXX XXXXXXXX XXXX XXXX I went there to inquire an XXXX XXXX XXXX. But upon coming in to my XXXX  year they discontinued that department and didn't tell me tell later. I went from XXXXXXXX XXXX XXXX Since I was blindsided I feel I should have it forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: EVERBANK, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I requested my account be closed and the balance be sent to me in check form. I received a statement of closing but not my balance check. The reason I closed my account is for poor business practices and poor customer service.The woman that spoke to in the back office was very disrespectful and rude and had a very bad attitude. Everbank is doing some very unethical practices and I would like for them to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have no relationship with these accounts and request removal within 15 days, per FCRA 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 non-monetary relief
Consumer complaint received 2025-12-04 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:
The entry does not reflect actual payment performance.

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 2025-12-04 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: IL

Complaint narrative:
I am formally requesting the prompt removal of the unauthorized accounts listed on my credit report, as I neither authorized nor was aware of their existence. In compliance with 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Enclosed are supporting documents for your review.

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 2025-12-04 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:
I am formally requesting the prompt removal of the unauthorized accounts listed on my credit report, as I neither authorized nor was aware of their existence. In compliance with 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Enclosed are supporting documents for your review.

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 2025-12-04 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:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I urgently seek an account update as my payments have consistently been made on time. The current circumstances are causing me undue stress and worry.

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 2025-12-04 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: UT

Complaint narrative:
This document was provided to me by XXXX as verification of the alleged debt. However, the attached Sellers Assignment form is completely blank and contains none of the required elements of a valid assignment. Specifically : No seller name is provided No assignee ( buyer ) name is provided No date of transfer is listed No signatures are present No contract reference or identifying information is included No account schedules or chain-of-title documents are attached A blank, unsigned template is not a legally valid assignment and does not demonstrate that XXXX owns or has any rights to collect or furnish information about this debt. Under FDCPA 809 ( b ) and FCRA 623 ( a ) ( 1 ), a debt collector must provide documentation establishing ownership and accuracy. XXXX  has not done so. 

Despite this, Experian marked the tradeline as verified during my dispute. Because XXXX has not supplied a valid assignment or proof of ownership, Experians reinvestigation appears inadequate and inconsistent with the issues identified in CFPB v. Experian ( XX/XX/year> ), where Experian was found to accept unverifiable furnisher responses without proper scrutiny. 

This blank assignment demonstrates that the debt is not properly validated and that XXXX can not prove legal ownership. I request that this tradeline be deleted or corrected accordingly.

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 2025-12-04 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: UT

Complaint narrative:
This document was provided to me by XXXX as verification of the alleged debt. However, the attached Sellers Assignment form is completely blank and contains none of the required elements of a valid assignment. Specifically : No seller name is provided No assignee ( buyer ) name is provided No date of transfer is listed No signatures are present No contract reference or identifying information is included No account schedules or chain-of-title documents are attached A blank, unsigned template is not a legally valid assignment and does not demonstrate that XXXX owns or has any rights to collect or furnish information about this debt. Under FDCPA 809 ( b ) and FCRA 623 ( a ) ( 1 ), a debt collector must provide documentation establishing ownership and accuracy. XXXX  has not done so. 

Despite this, Experian marked the tradeline as verified during my dispute. Because XXXX has not supplied a valid assignment or proof of ownership, Experians reinvestigation appears inadequate and inconsistent with the issues identified in CFPB v. Experian ( XX/XX/year> ), where Experian was found to accept unverifiable furnisher responses without proper scrutiny. 

This blank assignment demonstrates that the debt is not properly validated and that XXXX can not prove legal ownership. I request that this tradeline be deleted or corrected accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: GA

Complaint narrative:
15 U.S.C 1681 I am filing a complaint against Experian for failing to maintain maximum possible accuracy, failing to conduct a reasonable reinvestigation under FCRA 611 ( a ), and continuing to report inaccurate and unverifiable information.UNVERIFIED ACCOUNTS : - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature.

The complete payment history and itemized breakdown showing how the alleged balance was calculated.

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor.

The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please inspect the materials ; the inquiries came in without prior notice and could lack authorization.

Company response to consumer: Closed with non-monetary relief