vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit report shows collection accounts that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to an accurate credit report. I am requesting these entries be reviewed, and if they can not be verified as correct, they should be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My credit report shows collection accounts that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to an accurate credit report. I am requesting these entries be reviewed, and if they can not be verified as correct, they should be deleted.

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 2025-11-09 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
b'es una comunicacin formal por escrito dirigida a una agencia de crdito XXXX XXXX XXXX XXXX) o a un proveedor de informacin, como un banco o un acreedor. La carta les notifica un error en mi informe crediticio y les solicito que investiguen y corrijan la informacin inexacta o no verificable. El proceso se rige por una importante ley: la Ley de Informes Crediticios Justos (FCRA)'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit report shows collection accounts that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to an accurate credit report. I am requesting these entries be reviewed, and if they can not be verified as correct, they should be deleted.

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 2025-11-09 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:
My credit report shows collection accounts that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to an accurate credit report. I am requesting these entries be reviewed, and if they can not be verified as correct, they should be deleted.

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 2025-11-09 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: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
I am formally requesting the removal of this incorrect account from my credit report, as I did not authorize its creation or usage. Attached are the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: MD

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 XXXX  OR XXXX LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER XXXX  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 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 2025-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: GA

Complaint narrative:
Cash app wont let my sell or withdraw my XXXX  its stuck and keeps going down I verified my account and still wont allow my to get my money off XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I assert that the incorrect late payment entries on my accounts violate 15 USC 1666. I have consistently made timely payments, and any inaccuracies in this reporting are both unfair and unlawful.

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 2025-11-09 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: TX

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 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 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit report includes a repossession record that I believe may be incorrect or can not be verified. Under XXXX USC XXXX ( b ) and XXXX USC XXXX, I am entitled to a fully accurate credit report. I request that this repossession entry be reviewed and removed if it can not be confirmed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable Information that's on my credit report. I disputed MIDLAND CREDIT multiple times with credit bureaus and it's coming back as updated and verified and this time came back updated and listed XXXX times on my credit report for different amounts AS OF XX/XX/year> without a proper investigation and each time they are changing the date and year of when it was acquired and the credit buearus are going along with it. The company failed to send me any of the information I requested such as the original contract even with my other complaint they never sent verification of debt, the ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated. Midland stated I can open a dispute with the bureaus but I clerly have in which is why am typing this and they are sending information over to the credit buerus stating it should be there. Sending over not even an actual statment that just list 's. abalance with an an unkown address is not valid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Someone posed as my deceased husband and withdrew over {$180000.00} in four transactions over two days from my account. They walked into a physical Wells Fargo branch and got mostly green cash. I am 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 monetary relief
Consumer complaint received 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Im filing this complaint because a duplicate private student loan from XXXX, serviced by Navient, continues to appear on my credit report even though I only have one loan with them. I opened this loan in XXXX while completing my XXXX degree, graduated in XXXX, and began graduate school in XX/XX/XXXX. My account should currently be in deferment due to my continued enrollment, but both XXXX and Navient have ignored all of my attempts to correct their records. Ive contacted them numerous times over the years and still havent had a solution presented. 

Ive repeatedly contacted them by email and mail and have sent multiple documents as proof, including my proof of enrollment, official transcripts, and letters from both my XXXX and graduate schools. Despite this, theyve failed to remove the duplicate account or confirm my deferment status. The incorrect duplicate reporting has damaged my credit and led to a denial of my federal XXXX XXXX XXXX application. 

I am requesting that the Consumer Financial Protection Bureau investigate this issue and require XXXX and Navient to remove the duplicate account from my credit reports and correct my loan status to in school deferment. I have attached copies of my credit reports, enrollment verifications, transcripts, and my previous correspondence showing my repeated attempts to fix this issue directly with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I assert that the incorrect late payment entries on my accounts violate XXXX USC XXXX. I have consistently paid on time, and any errors in this reporting are both unfair and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: GA

Complaint narrative:
I have submitted multiple formal dispute letters to XXXX  XXXX XXXX XXXX regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, XXXX  XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-11-09 00:00:00
Product: Student loan — Federal student loan servicing
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: CA

Complaint narrative:
I sent three certified dispute letters to the credit bureaus ( XXXX XXXX and TransUnion ) requesting the removal of inaccurate student loan accounts from my credit reports. These letters were sent under my rights granted by the Fair Credit Reporting Act ( FCRA ). 
Despite confirming delivery, the bureaus have not removed or verified the accounts, nor have they provided proper responses. This is a violation of FCRA, which requires a reasonable investigation and removal of unverifiable or inaccurate information within 30 days. 
These student loans are not accurate, are damaging my credit, and the credit bureaus are not complying with consumer protection laws. I am asking the CFPB to investigate and ensure the inaccurate information is 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 non-monetary relief
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PENNYMAC LOAN SERVICES, LLC.
State: MI

Complaint narrative:
QWR and DVR to provide me the exact amount of monthly payments for PAST dues as approved by the Judge under my 60 months bankruptcy Plan.

Please provide me a copy of the approved Plan with the full amortization schedule of my payments during 60 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I assert that the incorrect late payment entries on my accounts violate XXXX USC XXXX. I have consistently paid on time, and any errors in this reporting are both unfair and unlawful.

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 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2025-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I assert that the incorrect late payment entries on my accounts violate XXXX USC XXXX. I have consistently paid on time, and any errors in this reporting are both unfair and unlawful.

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 2025-11-09 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: CA

Complaint narrative:
Im filing this complaint because a duplicate private student loan from XXXX, serviced by XXXX, continues to appear on my credit report even though I only have one loan with them. I opened this loan in XXXX while completing my XXXX degree, graduated in XXXX, and began graduate school in XX/XX/XXXX. My account should currently be in deferment due to my continued enrollment, but both XXXX and XXXX have ignored all of my attempts to correct their records. Ive contacted them numerous times over the years and still havent had a solution presented. 

Ive repeatedly contacted them by email and mail and have sent multiple documents as proof, including my proof of enrollment, official transcripts, and letters from both my XXXX and graduate schools. Despite this, theyve failed to remove the duplicate account or confirm my deferment status. The incorrect duplicate reporting has damaged my credit and led to a denial of my federal XXXX XXXX XXXX application. 

I am requesting that the Consumer Financial Protection Bureau investigate this issue and require XXXX and XXXX to remove the duplicate account from my credit reports and correct my loan status to in school deferment. I have attached copies of my credit reports, enrollment verifications, transcripts, and my previous correspondence showing my repeated attempts to fix this issue directly with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Date : XX/XX/year> To : Radius Global Solutions XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX Subject : Cease and Desist & Request for Deletion of Inaccurate Collection Entry Dear Radius Global Solutions, I am formally notifying you, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), to cease all communication with me regarding the alleged debt you claim I owe.

Additionally, this letter serves as a dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, concerning the collection account you have reported on my credit file. I dispute the accuracy and validity of this alleged debt. 

To date, you have not provided verifiable proof that I owe this debt, that you have the legal right to collect it, or that the account has been reported accurately. Until and unless you provide full validation of the debt, including : A copy of the original signed agreement or contract, A complete accounting and payment history from the original creditor, and Legal documentation showing your right to collect this debt, you are required by law to remove this account from all credit reporting agencies ( Experian, Equifax, and TransUnion ) and cease any further collection activity. 

Please note that any continued reporting of unverified or inaccurate information constitutes a violation of both the FCRA and FDCPA. Should this matter remain unresolved, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General. 

You have 30 days from receipt of this letter to provide written confirmation that the collection account has been deleted from all credit bureaus. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I am formally requesting the removal of this incorrect account from my credit report, as I did not authorize its creation or usage. Attached are the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: OK

Complaint narrative:
I am filing this complaint against TransUnion for failing to comply with the Fair Credit Reporting Act ( FCRA ), specifically under XXXX U.S.C. XXXX ( FCRA XXXX ) and XXXX U.S.C. XXXX ( FCRA XXXX ). I am a verified victim of human trafficking, debt bondage, and identity theft, and I have submitted all required documentation, including a certified victim determination, proof of identity, Social Security number, and current address. 

Despite my formal legal demand, TransUnion has not complied with its obligations to block and permanently remove fraudulent, coercion-based, or inaccurate information from my credit report. Under FCRA XXXX, TransUnion must block any adverse information that resulted from human trafficking once official victim documentation is provided. Under FCRA XXXX, TransUnion must block all information resulting from identity theft within XXXX business days after receiving notice and verification. 

Items that should have been deleted or corrected : Incorrect name : XXXX, XXXX, A Incorrect address : XXXX XXXX XXXX, XXXX, OK XXXX Employer to delete : XXXX Distributing Hard inquiries to remove : Factual Data XX/XX/year> XXXX XXXX XX/XX/year> Account to update : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Under XXXX U.S.C. XXXX, this account reflects a billing error. The payment history is inaccurately reported as late. The account was never delinquent and was always paid on time. TransUnion is required to correct the reporting and update the status to Paid as agreed or Paid on time. 

TransUnions failure to remove or update these items constitutes a violation of my rights as a verified victim under FCRA XXXX and XXXX and also violates my rights under the Fair Credit Billing Act ( XXXX U.S.C. XXXX ) regarding the correction of inaccurate billing and payment information. 

Requested Resolution : I request that the Consumer Financial Protection Bureau ( CFPB ) require TransUnion to : Immediately block and delete the listed inaccurate name, address, employer, and inquiries. 

Correct the reporting of the XXXX account and update the payment history to reflect Paid as agreed. 

Provide written confirmation and an updated copy of my credit file showing full compliance. 

Ensure none of the deleted or corrected items are reinserted or re-reported in the future. 

This complaint is being submitted for regulatory enforcement due to TransUnions ongoing noncompliance with FCRA XXXX and XXXX, and failure to correct verified billing errors under XXXX U.S.C. 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