vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 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 am submitting this follow-up complaint regarding the continued reporting of inaccurate and unverifiable information on my credit reports from Experian, Equifax, and TransUnion, XXXX prior disputes and removal requests. My addresses are incorrectly reported as XXXX XXXX CT XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), violating FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) ). Several charge-offs remain on my reports without proper verification, including XXXX XXXX XXXX * * * Balance Owed : {$1400.00} ( Experian ), XXXX XXXX XXXX * * * * * * * * * * Balance Owed : {$1400.00} ( Equifax ) XXXX XXXX XXXX XXXX * * * * * * * * * Balance Owed : {$1400.00} ( TransUnion ), XXXX XXXX XXXX NA XXXX * * * * * Balance Owed : {$660.00} ( Experian ), XXXX XXXX XXXX * * * * Balance Owed : {$15000.00} ( Experian, Equifax, TransUnion ) XXXX violating FCRA 611 ( a ), FCRA 623 ( a ) ( 1 ) ( A ), and CRA 607 ( b ) 15 U.S.C. 1681e ( b ) ) due to absence of supporting documentation such as a XXXX. Collections are also inaccurately reported, including XXXX CRED XXXX * Balance Owed : {$660.00} ( Experian, Equifax, TransUnion ) and XXXX COLLECTION SV XXXX * Balance Owed : {$14000.00} ( Experian, Equifax ) * *, in violation of FCPA 807 15 U.S.C. 1692e, FDCPA 809 15 U.S.C. 1692g, and 605B / 15 U.S.C. 1681c-2. Unauthorized or inaccurate inquiries continue to appear, including CREDIT XXXX BANK NA XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( TransUnion ), violating FCRA 619 15 U.S.C . 1681q, FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), and FCRA 604 ( f ) 15 U.S.C. 1681b ( f ) ), as these inquiries were made without permissible purpose. Despite multiple prior disputes, all of these inaccuracies remain on my credit reports, continuing to cause material harm, misrepresent my creditworthiness, and interfere with my ability to access credit and financial services fairly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am filing this complaint regarding false late-payment entries reported on my credit file. The XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} has inaccurately reported late payments that never occurred, and despite multiple disputes, these entries remain uncorrected. The credit reporting agencies EXPERIAN, EQUIFAX and Transunion and furnishers have failed to conduct a reasonable investigation or to ensure that my credit information is accurate, in violation of federal law. 
Violations of Federal Law Fair Credit Billing Act 15 U.S.C. 1666b This statute governs the timing and crediting of payments. Creditors are required to accurately report payment dates and histories. By reporting late payments that did not occur, the creditor violated this provision and misrepresented my account history.

Gramm-Leach-Bliley Act 15 U.S.C. 6802 This law restricts the sharing of nonpublic personal information. Reporting false or misleading late-payment information to third-party credit bureaus constitutes an unauthorized disclosure of inaccurate personal data, in violation of this statute.

Fair Credit Reporting Act 15 U.S.C. 1681a ( i ) ( 1 ) ( A ) The FCRA requires that only accurate and verifiable information be included in consumer credit reports. Continuing to publish false late-payment data after I disputed it violates this accuracy standard.

FCRA 15 U.S.C. 1681s-2 Furnishers have a duty to report information accurately and to correct errors upon notice.

The furnisher in this case failed to conduct a reasonable investigation or correct the misreported payment history, despite my repeated disputes.

FCRA 15 U.S.C. 1681i and 1681e ( b ) The CRAs are required to reinvestigate disputed information and maintain reasonable procedures to ensure maximum possible accuracy. Their continued reporting of inaccurate payment history demonstrates noncompliance with these provisions. 
Legal Precedent In XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX  ), the court held that credit reporting agencies must conduct an independent investigation when a consumer disputes information. They can not merely rely on the furnishers verification. The continued reporting of these false late-payment entries without independent verification mirrors the wrongful practices identified in XXXX and constitutes a clear violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: MI

Complaint narrative:
I am filing this complaint regarding false late-payment entries reported on my credit file. The XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} has inaccurately reported late payments that never occurred, and despite multiple disputes, these entries remain uncorrected. The credit reporting agencies EXPERIAN, EQUIFAX and Transunion and furnishers have failed to conduct a reasonable investigation or to ensure that my credit information is accurate, in violation of federal law. 
Violations of Federal Law Fair Credit Billing Act 15 U.S.C. 1666b This statute governs the timing and crediting of payments. Creditors are required to accurately report payment dates and histories. By reporting late payments that did not occur, the creditor violated this provision and misrepresented my account history.

Gramm-Leach-Bliley Act 15 U.S.C. 6802 This law restricts the sharing of nonpublic personal information. Reporting false or misleading late-payment information to third-party credit bureaus constitutes an unauthorized disclosure of inaccurate personal data, in violation of this statute.

Fair Credit Reporting Act 15 U.S.C. 1681a ( i ) ( 1 ) ( A ) The FCRA requires that only accurate and verifiable information be included in consumer credit reports. Continuing to publish false late-payment data after I disputed it violates this accuracy standard.

FCRA 15 U.S.C. 1681s-2 Furnishers have a duty to report information accurately and to correct errors upon notice.

The furnisher in this case failed to conduct a reasonable investigation or correct the misreported payment history, despite my repeated disputes.

FCRA 15 U.S.C. 1681i and 1681e ( b ) The CRAs are required to reinvestigate disputed information and maintain reasonable procedures to ensure maximum possible accuracy. Their continued reporting of inaccurate payment history demonstrates noncompliance with these provisions. 
Legal Precedent In XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX  ), the court held that credit reporting agencies must conduct an independent investigation when a consumer disputes information. They can not merely rely on the furnishers verification. The continued reporting of these false late-payment entries without independent verification mirrors the wrongful practices identified in XXXX and constitutes a clear violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: NV

Complaint narrative:
XXXX XXXX is reporting inaccurate and incomplete information on my Experian credit report for my former secured card. The account is closed and charged off, but they are still reporting active credit usage of 95 %, which is impossible and misleading because a closed/charged-off account can not have current utilization. This is harming my credit score. 

They are also reporting inconsistent dates : They show a last payment of XX/XX/year> A past due status as of XX/XX/year> A balance update on XX/XX/year> They list the entire balance of {$820.00} as past due even after the account was charged off. 

Once an account is charged off, the past-due amount should not continue updating or being treated as active. This violates FCRA 1681e ( b ) ( failure to assure maximum possible accuracy ). 

The highest balance of {$860.00} also appears incorrect and does not match my records.

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 2025-11-21 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: NV

Complaint narrative:
XXXX XXXX is reporting inaccurate and incomplete information on my Experian credit report for my former secured card. The account is closed and charged off, but they are still reporting active credit usage of 95 %, which is impossible and misleading because a closed/charged-off account can not have current utilization. This is harming my credit score. 

They are also reporting inconsistent dates : They show a last payment of XX/XX/year> A past due status as of XX/XX/year> A balance update on XX/XX/year> They list the entire balance of {$820.00} as past due even after the account was charged off. 

Once an account is charged off, the past-due amount should not continue updating or being treated as active. This violates FCRA 1681e ( b ) ( failure to assure maximum possible accuracy ). 

The highest balance of {$860.00} also appears incorrect and does not match my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: DC

Complaint narrative:
Received a notice in the mail that I was pre-approval for you to {$2000.00}. Once applied, I was only approved for {$600.00}. Before accepting, I notice the shockingly high terms of XXXX  % APR, over {$3500.00} in finance charges on a {$600.00} loan. I decided not to accept and report them to ConsumerFinance.gov.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: GA

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681c2.

The listed credit reporting agency is reporting accounts, inquiries, and/or collections that do not belong to me and were added without my consent. These items resulted from the unauthorized use or distribution of my personal information and qualify under the legal definition of identity theft.

I have submitted an official FTC Identity Theft Report detailing the affected items. I am requesting the immediateblock and deletionof all unauthorized or unverifiable accounts, inquiries, and collections under federal law.

The CRA has no permissible purpose or verifiable source to continue reporting these items. If they can not verify each disputed item with documented evidence, they are legally required to remove them within 4 business days under 15 USC 1681c2. 

I am attaching : FTC Identity Theft Report My government-issued ID Social Security card Proof of address A list of disputed accounts/inquiries Please investigate and remove the accounts and all associated negative information immediately.

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 2025-11-21 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: GA

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681c2.

The listed credit reporting agency is reporting accounts, inquiries, and/or collections that do not belong to me and were added without my consent. These items resulted from the unauthorized use or distribution of my personal information and qualify under the legal definition of identity theft. 
I have submitted an official FTC Identity Theft Report detailing the affected items. I am requesting the immediateblock and deletionof all unauthorized or unverifiable accounts, inquiries, and collections under federal law. 
The CRA has no permissible purpose or verifiable source to continue reporting these items. If they can not verify each disputed item with documented evidence, they are legally required to remove them within 4 business days under 15 USC 1681c2.

I am attaching : FTC Identity Theft Report My government-issued ID Social Security card Proof of address A list of disputed accounts/inquiries Please investigate and remove the accounts and all associated negative information immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Nelnet Inaccurate Credit Reporting, FCRA 1681s-2 ( a ) Violations, Metro 2 Noncompliance, and Forgiveness Misreporting * * Complaint Summary : * * I am filing this complaint against Nelnet for furnishing inaccurate and misleading information to the credit reporting agencies in violation of the * * Fair Credit Reporting Act ( FCRA ) 1681s-2 ( a ) * * and * * CFPB Regulation V ( 12 CFR 1022 ) * *. Nelnet has failed to update my credit report to reflect accurate loan status following federal forgiveness programs, and has not complied with * * Metro 2 reporting standards * *.

* * Details of the Violation : * * - Nelnet continues to report student loan tradelines inaccurately, despite my eligibility for forgiveness under the * * Income-Driven Repayment ( IDR ) Adjustment * * and * * Public Service Loan Forgiveness ( PSLF ) Waiver * *. 
- These programs were expanded following the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which exposed widespread mismanagement of XXXX and XXXX XXXX. Millions of borrowers have since received retroactive forgiveness. 
- Nelnet has failed to : - Update the loan status to Paid in Full or Discharged using correct * * Metro 2 codes * * ( e.g., PC or DF ).

- Remove delinquency notations that are no longer valid.

- Mark the account as in dispute during my formal dispute process. 
- I never received proper notification of dispute results or verification of the tradeline, as required by * * FCRA 1681i ( a ) ( 6 ) * *. 
- Nelnets continued misreporting has caused harm to my credit profile and financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/year>, I deposited a check for {$44000.00} at the Navy Federal Credit Union Branch off XXXX XXXX XXXX XXXX XXXX. This check was deposited into NFCU ATM. It was never flagged as a fraudalent check. Furthermore, NFCU sent me a notification that the check was being processed around XX/XX/year>. This check was being processed as any normal check until the wife of the sender stopped the check from being processed. I know people stop checks all the time for various reasons. My course instructor, XXXX XXXX XXXX had her business acquaintance to send the check to my address. On XX/XX/year>, I realized that I could not log into my Navy Federal Mobile App because it was frozen. At this point, I contacted my instructor to see what was going on with the check. XXXX XXXX contacted the sender of the check who is XXXXXXXX XXXX husband. XXXX XXXX never provided his name to me. However, XXXX stopped the check because her and her husband, who is the sender of the check were going through a divorce and to this effect the court placed there bank account on hold and made every pending transactions to be aborted for issues of funds settlement. All of this drama don't have anything to do with fraud. This is a domestic relational issue. So Navy Federal has not proven that a check was fraud. It is a shame that I was terminated over false accusations. XXXX XXXX never provided the sender 's name. However, on the check, XXXX XXXX appears as the authorized signature. Her husband is also an authorized user on their account according to XXXX XXXX XXXX  knowledge. Now I don't know XXXX, but I know my instructor clearly advised me that XXXXXXXX XXXX  husband has sent out checks for funding and none have been reported fraudalent. XXXX XXXX has been very supportive of me in this manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: GA

Complaint narrative:
Remove fraudulent information 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 2025-11-21 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: First National Collection Bureau, Inc.
State: FL

Complaint narrative:
The nature of my complaint is that these companies are engaged in practices that abuse consumers, including myself : violating my rights under the Truth in Lending Act ( TILA ), specifically 15 U.S.C. 1640 ( f ) ( 2 ), which limits consumer liability for unauthorized use of a credit card including driver license. Debt Collectors are attempting to collect on debts that are old, inaccurate, or that have been previously written off and sold by the original creditor, a practice that can be deceptive. These practices violate Section 5 of the FTC Act, which prohibits unfair or deceptive acts or practices. I am providing this information to urge the FTC to investigate this entire ecosystem that profits from inaccurate data and causes significant harm to consumers. 1. Inaccurate Information : My credit file contains information about debts that are inaccurate. These debts were allegedly charged off and sold by the original creditor, yet they continue to be reported as collectible obligations by third party debt buyers. 2. Failure to Investigate : I have disputed these inaccurate items with the credit bureaus, yet they have failed to conduct a reasonable investigation and have continued to report this erroneous information. XXXX. Data Sale Without Consent : The credit reporting agencies facilitate the sale of my financial data to third-party debt buyers without my explicit consent. I am never informed of these transactions before they appear on my credit profile, violating my right to privacy and accuracy. 4. Collection Attempts on Invalid Debt : Debt collectors are attempting to collect on debts that have likely been written off and for which the statute of limitations may have expired. This activity violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Alleged Violations Include : FCRA 605B ( 15 U.S. Code 1681c-2 ) : Failure to block fraudulent information upon request. 15 U.S. Code 1681e ( b ) : Failure to maintain reasonable procedures to ensure maximum possible accuracy. 15 U.S. Code 1681 ( a ) ( 2 ) : Improper use and dissemination of consumer credit information. 15 U.S. Code 1666b and 12 CFR 1026.13 : Violations related to billing error resolution procedures. 15 U.S. Code 1692c and 1692g : Violations under the Fair Debt Collection Practices Act ( FDCPA ) regarding communication and validation of debt. 15 U.S. Code 1681 ( 2 ) ( xi ) : Improper reporting of charged-off accounts without proper documentation. Florida Statutes Chapter 679, Article 9 of the Uniform Commercial Code : Violations concerning secured transactions and consumer protections under Florida law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation