vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 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: PA

Complaint narrative:
Earlier today, I came across some inaccurate accounts on my credit report, which left me confused. I check my report regularly, but this time, unusual discrepancies appeared. I attempted to reload the page, thinking it might be a technical error, but the incorrect information stayed. Because of this, Im requesting a thorough review of the documents I provided to ensure this issue is resolved properly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a third formal complaint regarding the continued and unlawful reporting of an inaccurate late payment by Equifax on my credit file. 

Despite submitting my second dispute on XX/XX/XXXX, the bureau responded only with a generic " verified '' status without providing any supporting documentation, manual review, or disclosure of investigatory procedures. The verification was clearly automated through systems such as E-OSCAR, in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

The account in question is : Account Type : Credit Card Account Number : XXXX Date of Reported Late Payment : XX/XX/XXXX This inaccuracy has caused severe damage to my credit profile, including increased interest rates, declined applications, and limited financial opportunity. By continuing to report this information after two formal disputes, and failing to perform a lawful reinvestigation, the bureau has : Violated 15 U.S.C. 1681e ( b ) by failing to ensure maximum possible accuracy. 

Violated 15 U.S.C. 1681i ( a ) by failing to conduct a reasonable and timely reinvestigation.

Violated 15 U.S.C. 1681i ( a ) ( 5 ) ( D ) by failing to notify other CRAs of deletion ( if applicable ).

Violated TILA ( 15 U.S.C. 1637 ( b ) ; 12 CFR 1026.5 ) due to lack of billing notice by the creditor.

Violated 12 CFR 1022.42 ( Regulation V ) by lacking procedures to prevent the reporting of inaccurate data.

Violated 12 U.S.C. 5531 ( UDAAP ) by engaging in unfair and deceptive conduct. 

Furthermore, I cite the following precedents and enforcement actions in support of my complaint : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Investigations must be manual and reasonable. 

XXXX v. XXXX, XXXX XXXX XXXX Bureaus can not solely rely on furnishers. 

XXXX v. Equifax, XXXX XXXX XXXX Failure to investigate led to {$2.00} XXXX in damages. 

CFPB v. XXXX, XXXX. XXXX ( XXXX XXXX, XXXX ) Allegations of sham dispute processes. 

CFPB XXXX XXXX Equifax, XXXX XXXX, XXXX {$15.00} XXXX penalty for dispute handling failures. 

I am attaching the formal legal notice sent to the bureau with detailed legal citations, as well as recent billing evidence for further context.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: PA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: FL

Complaint narrative:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: IN

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan 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 2025-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: OH

Complaint narrative:
I am filing this complaint against Nelnet due to an ongoing data breach involving student loan accounts, which raises serious concerns regarding unauthorized access to my personal and financial information raising concerns over a FERPA violation. Given this security lapse, I have reason to believe that my account records may have been compromised or altered without my consent. 

I am in the process of purchasing a home and this has caused my loan to be halted until this is remedied. This has caused extreme financial distress and this error in reporting needs to be remedied immediately. I did not authorize any changes to my account status, and I no longer feel comfortable having my student loans serviced and reported to the credit bureaus under these conditions. 

Violations and Consumer Protection Rights 1. Possible Unauthorized Reporting and Account Compromise Due to Data Breach - The reported data breach involving Nelnet raises serious questions about the integrity of my loan accounts. If my data was exposed or manipulated, Nelnet may have incorrectly or fraudulently reported late payments that I did not actually incur.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: TX

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan 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 2025-04-15 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: VA

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 non-monetary relief
Consumer complaint received 2025-04-15 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: VA

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 non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I opened a secured credit card with Bank of America in XXXX  and deposited {$200.00} as a security deposit. Later the same year, I closed the account in good standing and was told that my deposit would be returned. However, despite multiple attempts to contact Bank of America, I have not received my {$200.00} deposit back. 

It has been over XXXX years since I closed the account. I believe I am entitled to a full refund of my security deposit, and I am seeking assistance in resolving this issue.

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 2025-04-15 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: CO

Complaint narrative:
There is an account on my credit report that I don't know. It doesn't belong to me. I want you to delete it from the report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: CO

Complaint narrative:
There is an account on my credit report that I don't know. It doesn't belong to me. I want you to delete it from the report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$290.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I asked Wells Fargo to show proof I charged the account with signature I demand charges to be verified by signature they failed to show proof they knew I have XXXX XXXX XXXX XXXX XXXX XXXX years they told me the reason was XXXX years late payments and or overdraft charges which one had nothing to do with the secure card I was never late XXXX  times I paid it off of in XXXX  years of a XXXX XXXX dollars I personally put up myself instead of XXXX dollars finally in XXXX XXXX XXXX I bought a car I i wells Fargo how come I can buy a car at XXXX XXXX with XXXX money down and you refuse to Unsecured the credit they said the reason is XXXX years late payments and overcharge payment then I told them not true in fact the last XXXX years I filed the dispute on my credit cards the last XXXX  years they sent me the credits each time XXXX file the dispute which caused my XXXX  account to be shut down XXXX XXXX paid wells Fargo credit card on top of what I paid wells Fargo never finalized the account when I told them this I told them since you are not working with me I have to close the account she told me do what you want I told her do it now close the account and she failed to do this in XXXX I had XXXX I had XXXX I forgot I over paid XXXX months in XX/XX/year> they closed my checking account I had XXXX dollars the XXXX didnt want to fight over XXXX dollars I forgot I closed the account which they failed to do and stole my XXXX XXXX dollars in credit after said and done they failed to credit the account and my XXXX XXXX dollars grand total over XXXX XXXX dollars and finally closed account in XX/XX/year> with charge off

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 2025-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: NJ

Complaint narrative:
Equifax allows XXXX XXXX to report inconsistent information to XXXX, Equifax and XXXX. Each credit report states different information which is in violation of my consumer rights per the FCRA. Please remove the information immediately since its not being reported accurately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: WESTERN UNION COMPANY, THE
State: PA

Complaint narrative:
I was sending money through Western Union, to XXXX On XX/XX/XXXX And expected it to be there within 24 hours but after sending the money Through my bank it did not disclose to me prior but after sending it, that it was going to take 6 days for the recipient to receive the finances.

The amount of time should have been disclosed on the app.

I tried calling Western Union to speak to Customer Service and also requesting a Supervisor to possibly expedite the transfer by changing the method in which it was sent.

I called back several times, after being disconnected 4 times one day and one time today which is the XXXX of XX/XX/XXXX to " No Avail ''.

After talking to a customer service, they informed me that the money was not released from my bank.But when I called my bank they told me that it was already withdrawn from my account, And when I called Western Union back and informed them that the money was already sent to Western Union.Their reply was i'm sorry it will take 6 days to be transferred.

This is Unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
NCB Management Services is reporting a {$7300.00} collection account that they claim was purchased from XXXX XXXX XXXX. I have never received any documentation or proof that they have the legal right to collect this debt. Despite this, they have been actively reporting the account to all three major credit bureaus for an extended period of time. 

Their reporting is misleading, inaccurate, and unverified. This violates federal consumer protection laws, including FDCPA 807 ( 2 ) ( A ) for misrepresenting the legal status of a debt, and FCRA 623 for furnishing inaccurate and unverified information to credit reporting agencies.

I am requesting full and permanent deletion of this account and seeking {$2000.00} in statutory damages for these ongoing violations. I am filing this complaint to assert my rights under the FDCPA and CFPB protections, and I am requesting formal investigation and oversight of NCBs conduct. They have failed to comply with their legal obligations and must be held accountable.

Additionally, I will not sign any general release, non-disparagement clause, or non-disclosure agreement ( NDA ). I retain my right to speak freely about this matter and to pursue public reporting and remedies, including filing with the Consumer Financial Protection Bureau. Under FDCPA 808 ( 6 ), it is unlawful to require a waiver of consumer rights as a condition of settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Hello. I found three unauthorized fraudulent inquiries on my credit report, one XXXX XXXX XXXXXX/XX/XXXX second XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX third XXXX XXXXXX/XX/XXXX. Please help me to remove those unauthorized inquiries from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: CO

Complaint narrative:
There is an account on my credit report that I don't know. It doesn't belong to me. I want you to delete it from the report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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