vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In XX/XX/XXXX, I opened an account with XXXX XXXX, account number XXXX, which is currently active. I am not disputing the account itself, but I am disputing inaccurate late payment reporting for XX/XX/XXXX ( 30 days late ) and XX/XX/XXXX ( 60 days late ). These late payment notations are currently being reported to Experian, XXXX, and XXXX. 

I never received billing statements or payment notifications from XXXX XXXX during that period, which prevented me from being aware of any payments due. I made payments in good faith and was unaware of any delinquency. I only discovered the reported late payments when reviewing my credit reports in XX/XX/XXXX. 

These notations are causing significant harm to my XXXX XXXX and were not properly verified. I have already disputed the information with both the credit bureaus and XXXX XXXX, but the late payments remain, despite no supporting documentation or validation being provided by either party. 

This dispute is supported by the following federal laws : 15 U.S.C. 1681 ( Section 602 ) Protects my right to privacy and fair, accurate credit reporting 15 U.S.C. 1681b ( Section 604 ( a ) ( 2 ) ) Prohibits consumer reporting without proper authorization 15 U.S.C. 1666b Prohibits a creditor from treating a payment as late if received by the due date or within the grace period 15 U.S.C. 1681s-2 ( a ) Requires furnishers to report only accurate information 15 U.S.C. 1681i Requires credit bureaus to perform a reasonable investigation within 30 days I am requesting that XXXX XXXX correct the payment history for XXXX and XX/XX/XXXX to reflect paid on time, while continuing to report the account as open and active. I am not asking for the account to be removed only for the inaccurate late payment notations to be corrected based on the facts and my rights under federal 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 explanation
Consumer complaint received 2025-07-28 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: IL

Complaint narrative:
Summary of the Complaint : I am disputing inaccurate and misleading reporting of my XXXX  XXXX XXXX credit card account ( Account XXXX XXXXXXXX ) by XXXX  and TransUnion, which incorrectly list the account as negative despite being paid, closed, and with XXXX balance. 

XXXX  has correctly deleted the account ( status Deleted ), confirming that the negative status reported by XXXX  and TransUnion is erroneous and harmful. The payment history shows late payments ( XXXX, XXXX  days ) for XXXX and XXXX that are either inaccurate or unverifiable given that the account was closed due to inactivity and fully paid. 

Key Account Information : Creditor XXXX XXXX XXXX  XXXX Account Type : Credit Card ( Revolving ) Date Opened : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXXXX/XX/XXXX Date Closed XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  : Not listed clearly TransUnion : XX/XX/XXXX High Balance : XXXX  : {$2000.00} XXXX : {$2100.00} Status : XXXX  : XXXX XXXX  : Negative TransUnion : Negative Late Payments : XXXX  and TransUnion show XXXX and XXXX late entries in XXXX, even though the account was closed and has XXXX balance. 

Violations and XXXX Grounds : FCRA XXXX XXXX XXXX XXXX ( b ) : Credit reporting agencies must ensure maximum possible accuracy. 

XXXX an account as negative when it is closed and fully paid is a direct violation. 

FCRA 15 U.S. Code 1681i ( a ) : Upon dispute, CRAs must conduct a reasonable reinvestigation and remove unverifiable or inaccurate data within XXXX  days. 

XXXX  and TransUnion have failed to correct the account status even though XXXX  has removed it. 

FCRA 15 U.S. Code 1681s-2 ( b ) : Furnishers like XXXX XXXX XXXXXXXX must investigate and correct inaccurate information upon notice. Failure to do so after a consumer dispute constitutes a violation. 

Consumer harm : The negative and inaccurate late payment history on XXXX  and TransUnion unjustly damages my credit score, impacting my ability to obtain fair credit terms.

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Nelnet, Inc.
State: PA

Complaint narrative:
On XX/XX/year> my XXXX XXXX dropped XXXX points due to student loan late payments from a company called Nelnet that i was unaware of. Under the Fair Credit Reporting Act ( FCRA ), I am exercising my right to request full verification of the reported debt and derogatory information. As part of this process, I am requesting a copy of the signed Master Promissory Note ( MPN ) associated with this loan.To date, I have not been presented with any evidence that confirms my legal obligation to repay this specific loan, nor was I notified properly of any delinquency. I was not contacted via mail or phone, and the email address on file may have been outdated at the time. Given these factors, I request that the late payment be removed from my credit report unless full documentation of the debt, including my original, signed promissory note, can be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: MD

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification.

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-07-28 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: NE

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: NJ

Complaint narrative:
Around XXXX, I received a letter from National Credit Systems alerting me to a debt that I owed to a " XXXX XXXX XXXX XXXX XXXX. '' This came as a surprise because I have never applied to apartments anywhere and do not live near the state of XXXX, where the apartments are located. I sent back the letter disputing the charge as they requested I do in their letter, filed a police report with the XXXX XXXX police department, and began following the steps from IdentityTheft.XXXX  as instructed. After contacting the apartments, I obtained the fake identity created that the person in question tried to pass of as myself. I forwarded this information to the police department and ensured it was part of the report. However, it has now been over 30 days since I have sent that letter to National Credit Systems and they have still not sent back any information regarding my debts nor what they are doing to address the issue. I have sent a follow up letter, as instructed by IdentityTheftXXXX, on the same day I am writing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: GA

Complaint narrative:
I applied for loan discharge for parent plus loans through the XXXX XXXX XXXX XXXX, XXXX  and XXXX, XXXX. I received letters from XXXX iand then MOHELA in XXXX  stating that my loans through the XXXX XXXX were approved for discharge in the amount of {$96000.00}. I began calling MOHELA on XXXX XXXX requesting the discharge to be updated on my MOHELA account and for the information to be reported to the major credit agencies so it could be updated there as well. I also asked for a letter from MOHELA to confirm the update with the accurate remaining balance. They still will not comply with my multiple requests as of today, XXXX, XXXX. I need to apply for a home loan and I was told by a local lender in XXXX  that unless and until I can prove my balance is $ XXXX and not the $ XXXX MOHELA claims by balance is, I can not be approved for a loan. I need help, and nobody will help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: FL

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: CA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Netspend Corporation
State: NJ

Complaint narrative:
XXXX new Netspend account was opened with a signup bonus of {$200.00} if 2 requirements were met : 1. Debit card activated, which it was. 
2. Deposit $ XXXX from direct deposit, which it was. 

Terms and conditions state that the account would be credited within 5 days of completing these requirements. I completed my end of the terms and conditions yet the institution did not provide the {$200.00} signup bonus as it has been 5 days now.

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 2025-07-28 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 
1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNTS XXXX XXXX XXXXXXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: TN

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 explanation
Consumer complaint received 2025-07-28 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: MI

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: MI

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-28 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX Experian

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 2025-07-28 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 am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX TransUnion XXXX XXXX XXXX TransUnion

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 2025-07-28 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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