vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 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: TX

Complaint narrative:
I am writing to dispute the accuracy of late payment entries and account information on my consumer report associated with your company. Pursuant to 15 USC 1681i ( Procedure in case of disputed accuracy ) and 15 USC 1681e ( Compliance procedures ) of the Fair Credit Reporting Act ( FCRA ), I require access to all bank transactions and statements associated with this company to provide evidence that my payments were not received on time and that my account details are inaccurate. Alternatively, you must promptly remove these unverified late payments and correct the inaccurate account information. 

Regarding accounts with late payments, I dispute the following entries : I was not 90 days late on this item- please update. I was not 60 days late on this item- please update. I was not 30 days late on this item- please update. Additionally, according to 15 USC 1666b, this is a billing error as I did not receive a statement 21 days before the late payment error. If a finance charge is included, there should be no late payments pursuant to 15 USC 1605 ( a ) due to the finance charge bringing the sum of all charges, meaning I can not be penalized for something that is already paid in full. Please remove these inaccurate late payment entries from my consumer report, as their presence violates 15 USC 1681e and 15 USC 1681i by failing to ensure maximum possible accuracy.

Concerning unverified accounts, pursuant to 15 USC 1666b ( 4 ) ( 5 ), your failure to provide a statement within 21 days is a violation. The statement shows a positive balance instead of a negative balance, which is a billing error, and therefore no payment was due. Under 15 USC 1681eb, my account is in violation of maximum possible accuracy and 15 USC 1666b for violation of billing error. Please correct the inaccurate account information on my consumer report, and delete any related inaccurate late payments, as their retention on my profile constitutes a violation of FCRA guidelines.

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 2025-07-30 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: TX

Complaint narrative:
I am writing to dispute the accuracy of late payment entries and account information on my consumer report associated with your company. Pursuant to 15 USC 1681i ( Procedure in case of disputed accuracy ) and 15 USC 1681e ( Compliance procedures ) of the Fair Credit Reporting Act ( FCRA ), I require access to all bank transactions and statements associated with this company to provide evidence that my payments were not received on time and that my account details are inaccurate. Alternatively, you must promptly remove these unverified late payments and correct the inaccurate account information. 

Regarding accounts with late payments, I dispute the following entries : I was not 90 days late on this item- please update. I was not 60 days late on this item- please update. I was not 30 days late on this item- please update. Additionally, according to 15 USC 1666b, this is a billing error as I did not receive a statement 21 days before the late payment error. If a finance charge is included, there should be no late payments pursuant to 15 USC 1605 ( a ) due to the finance charge bringing the sum of all charges, meaning I can not be penalized for something that is already paid in full. Please remove these inaccurate late payment entries from my consumer report, as their presence violates 15 USC 1681e and 15 USC 1681i by failing to ensure maximum possible accuracy.

Concerning unverified accounts, pursuant to 15 USC 1666b ( 4 ) ( 5 ), your failure to provide a statement within 21 days is a violation. The statement shows a positive balance instead of a negative balance, which is a billing error, and therefore no payment was due. Under 15 USC 1681eb, my account is in violation of maximum possible accuracy and 15 USC 1666b for violation of billing error. Please correct the inaccurate account information on my consumer report, and delete any related inaccurate late payments, as their retention on my profile constitutes a violation of FCRA guidelines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: EAGLE BANCORP, INC.
State: VA

Complaint narrative:
please see attached cover and detailed letters to the bank- in summary, bank cashed out XXXX EXPIRED certified checks to a third party XXXX week after the bank had told client that the XXXX expired checks will come back to her unpaid since it had a void after 90 days on them ( expired in XX/XX/year> ) - Customer were told this on XX/XX/year>. 

Checks were cashed on XX/XX/XXXX, XXXX each one for {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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:
I am submitting this formal complaint regarding Experian 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. 
On XX/XX/XXXX, I disputed several fraudulent accounts and provided Experian with all necessary documents, including a valid identity theft affidavit, proof of address, government-issued ID, and evidence linking me to a data breach. However, Experian failed to block the disputed items within the XXXX business days required by 605B and instead verified the accounts without disclosing the sources or evidence of verification, violating 611s mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as XXXX XXXX XXXX XXXX and XXXX XXXX Bank XXXX New York, which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs XXXX bulletin underscores Experians failure to uphold consumer protections under the FCRA.

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 2025-07-30 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:
I did not authozie or open this credit card. I believe this credit card is the result of identity theft from the XXXX  breach.

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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: WA

Complaint narrative:
Subject : XXXX Late Payment Reported Despite No Notification of Forbearance Ending I am disputing a XXXX late payment that was reported on my federal student loan account after it was transferred to Nelnet. I was never properly notified of this transfer, nor was I informed that payments were due. On XX/XX/XXXX, I received an official email from Nelnet confirming that my account was in administrative forbearance, with no end date provided in that notice. I was never notified that this forbearance had ended or that payments would be due shortly thereafter. 
Additionally, when I later became aware that something might be wrong, I attempted to log in to my Nelnet account to resolve the issue but the website was inaccessible at the time. I made multiple attempts to check my status and submit payment, but could not access the necessary systems. 

I later contacted Nelnet to dispute the XXXX late mark and requested that it be removed, considering the circumstances : XXXX. I was told I was in forbearance XXXX. I was never informed it ended XXXX. I never received notice of the loan transfer or payment due XXXX. I attempted to log in and act in good faith Nelnet responded that I had no proof the website was down and stated that they do not offer goodwill adjustments under any circumstances. Despite this, I brought my account current immediately once I learned of the situation. 

I have always maintained good credit and a clean payment history. This derogatory mark is not the result of negligence, but of poor servicer communication, lack of notice, and system access failures all of which are beyond my control. 
This XXXX late caused a XXXX drop in my credit score. I am respectfully asking that the Consumer Financial Protection Bureau assist in having this mark removed or suppressed, due to improper notice, lack of clarity around forbearance status, and good faith effort on my part to resolve the matter once I became aware. 

I am able to provide a copy of the XX/XX/XXXX forbearance email upon request. 

I want to be clear : I have no problem accepting responsibility when Ive made a mistake. But in this case, I was never properly informed, misled by a forbearance notice with no end date, and blocked from accessing my account when I attempted to act in good faith. Reporting this as a XXXX delinquency is not just inaccurate it is, in my view, deeply unfair and unethical. I am respectfully asking that the Consumer Financial Protection Bureau assist in having this mark removed or suppressed due to the unique and preventable circumstances that led to it. I

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: NC

Complaint narrative:
I am submitting this complaint because multiple credit reporting agencies ( Experian, TransUnion, and Equifax ) are reporting inaccurate, incomplete, outdated, and unverified negative accounts on my credit report. Despite my efforts to dispute these items directly with the credit bureaus, they have continued to report the following derogatory information without providing adequate documentation or conducting proper investigations as required by the Fair Credit Reporting Act ( FCRA ). 

Specifically, the reports include : Charge-off accounts that reflect inconsistent payment histories, inflated balances, or prolonged reporting after being closed or disputed.

Collection accounts that have not been validated with original signed contracts, payment ledgers, or proof of ownership.

Accounts marked as disputed but still listed without any updated investigation results or consumer notice, violating FCRA 1681s-2 ( b ) and FDCPA 807 ( 8 ).

Late payment history that exceeds the 24-month limit and is damaging my score without proper validation.

I submitted written disputes to all three credit bureaus, clearly identifying the accounts and citing applicable violations of federal law. However, the bureaus either failed to respond with proper documentation or continued reporting the same inaccurate data without correction or removal.

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 2025-07-29 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: NC

Complaint narrative:
I am submitting this complaint because multiple credit reporting agencies ( Experian, TransUnion, and Equifax ) are reporting inaccurate, incomplete, outdated, and unverified negative accounts on my credit report. Despite my efforts to dispute these items directly with the credit bureaus, they have continued to report the following derogatory information without providing adequate documentation or conducting proper investigations as required by the Fair Credit Reporting Act ( FCRA ). 

Specifically, the reports include : Charge-off accounts that reflect inconsistent payment histories, inflated balances, or prolonged reporting after being closed or disputed.

Collection accounts that have not been validated with original signed contracts, payment ledgers, or proof of ownership.

Accounts marked as disputed but still listed without any updated investigation results or consumer notice, violating FCRA 1681s-2 ( b ) and FDCPA 807 ( 8 ).

Late payment history that exceeds the 24-month limit and is damaging my score without proper validation.

I submitted written disputes to all three credit bureaus, clearly identifying the accounts and citing applicable violations of federal law. However, the bureaus either failed to respond with proper documentation or continued reporting the same inaccurate data without correction or removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Hello, In XXXX of XXXX, I purchased XXXX airline tickets from XXXX for the amount of {$430.00}. However, I was charged {$43000.00} twice. When I spoke to Chase, they assured me that the problem will be resolved if I open a dispute with them, which I did. They refunded the money back to the credit card, and I had a negative balance of {$43000.00}. After spending days on the phone with them, and being assured that I will not have to pay that amount, and that I even will be given that amount, which made no sense to me, since I did not spend that amount, they wired me the money on XX/XX/XXXX. After a few days, they request the money back, and I gave them back. I was assured that the cases were closed. On XX/XX/XXXX, I was charged again the amount of {$43000.00}. My credit card is currently blocked since I am over the maximum " spending power '', and I can not use it. I was promised that once I return the money, that would be the end of this terrible experience. However, it seems like that is not the case. I would like to file this complaint due the fact that Chase have caused me countless days of trouble, anxiety and stress due to charging me almost {$43000.00} for something that I have not spend. Furthermore, due to this insane credit " purchase '' amount, my credit score has been damaged immensely. I am currently trying to purchase a house, but due to the damage to my score, and the charges that are on my statements, I am denied loans. I am requesting a compensation, and I have spoken to several attorneys who are more than willing to take over the case and take it to court. The attorneys said that we can seek legal action for the damaged credit score, which affects my daily life, and also for the inconvenience that I had experienced. I will not settle for a simple apology this time. This is the treatment that a loyal customer of more than 10 years receives. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: TX

Complaint narrative:
I am writing to dispute the accuracy and validity of certain accounts currently being reported on my TRANSUNION credit file. This letter serves as a formal dispute pursuant to my rights under the FAIR CREDIT REPORTING ACT ( FCRA ), specifically under 15 U.S.C. 1681i, 1681s-2, and 1681e ( b ). 
The accounts I am disputing are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Balance : {$0.00} The above-listed items contain inaccurate or unverifiable information and lack proper identification of furnishers or debt details. These are clear violations of FCRA 1681e ( b ), 1681g ( a ) ( 2 ), and 1681i.

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 2025-07-30 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: Time Investment Corporation
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : No Permissible Purpose Credit Inquiry To Whom It May Concern I recently received a copy of my credit report. The credit report showed a credit inquiry by your company on XX/XX/2025 that I do not recall authorizing. I understand that your shouldn't be allowed to put an inquiry on my credit file unless you have a permissible purpose per FCRA Section 604. You have no permissible purpose so please have this inquiry removed from my credit file immediately.

I need your prompt response to this issue. Please be so kind as to forward me documentation that you've had the unauthorized inquiry removed to my address above. 

If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this along with your certification to the bureaus that certifies your permissible purpose. Otherwise, please note that I am reserving the right to take civil action if necessary. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: VA

Complaint narrative:
NEVER gave any consumer reporting agency the permission to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. I XXXX XXXX Never Signed, Provided Documentation or Have any first hand Knowledge About ANY account Authorization That took place with ANY ACCOUNTS LISTED IN THIS COMPLAINT EVER! WITH THE CREDITORS BELOW or! Any Documents Those companies RECEIVED WAS FRAUD and I stated to the creditors also. I'm a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2025-07-30 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: VA

Complaint narrative:
NEVER gave any consumer reporting agency the permission to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. I XXXX XXXX Never Signed, Provided Documentation or Have any first hand Knowledge About ANY account Authorization That took place with ANY ACCOUNTS LISTED IN THIS COMPLAINT EVER! WITH THE CREDITORS BELOW or! Any Documents Those companies RECEIVED WAS FRAUD and I stated to the creditors also. I'm a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
I opened this account on XX/XX/XXXX. I never used it other than the purchase I made on XX/XX/XXXX. On the statement I received for the period XX/XX/XXXX - XX/XX/XXXX i saw charge of {$34.00} for XX/XX/XXXX. This was 14 months since the account had last been used. I did not make this purchase. I then contacted the company by phone to let them know that this was a fraudulent charge. I was assured that the situation would be cared for. I promptly closed the account. 

The next thing the company did was send me a letter saying that they had determined that the charge was not fraudulent. I called several more times and each time I was assured that this charge and the late fees the company kept adding on would be reversed. However all I kept getting was letters saying that the charge was not fraudulent. 

I finally found out where I could send a letter of complaint. In the letter I sent to them I explained that in XXXX of XXXX when the purchase in question was made I could not possible have made the purchase because I was in the midst of receiving XXXX and XXXX treatment for XXXX XXXXXXXX. 

The company has also reported to the Credit Reporting Bureaus that my account is delinquent and has caused my excellent credit rating of XXXX to to to just a very good credit rating of XXXX. This entire situation is totally unacceptable to me. 

In addition the company is continually harassing me with text messages and emails XXXX. Reminding me that my account is delinquent even while there is an open dispute.

2. Offering to set up a payment plan for me while there is still an open dispute.

The next section is requesting my account number. I unfortunately do not have the entire number because once I submitted a claim for a fraudulent charge they changed my account number and only dsent me the last four digits of the new account number,

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