vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-20 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:
In XX/XX/year>, I received an official discharge letter from the U.S. Department of Education stating that my federal student loans for attending XXXX XXXX were eligible for full loan discharge due to widespread misconduct by the school. The letter clearly stated that I do not need to make any further payments and that my credit report would be updated accordingly. 

Despite this, the loan continues to appear on my credit report and is affecting my ability to qualify for a home loan. The servicer has failed to properly remove the discharged loan, and I have not received confirmation of any credit update or refund for prior payments, as mentioned in the discharge letter.

I am requesting immediate removal of this discharged loan from all credit reporting and a correction to reflect the forgiven status. I have provided all necessary documentation to support this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: CA

Complaint narrative:
In XX/XX/year>, I received an official discharge letter from the U.S. Department of Education stating that my federal student loans for attending XXXX XXXX were eligible for full loan discharge due to widespread misconduct by the school. The letter clearly stated that I do not need to make any further payments and that my credit report would be updated accordingly. 

Despite this, the loan continues to appear on my credit report and is affecting my ability to qualify for a home loan. The servicer has failed to properly remove the discharged loan, and I have not received confirmation of any credit update or refund for prior payments, as mentioned in the discharge letter.

I am requesting immediate removal of this discharged loan from all credit reporting and a correction to reflect the forgiven status. I have provided all necessary documentation to support this complaint.

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 2025-07-20 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: CA

Complaint narrative:
I submitted a written dispute to Experian on XX/XX/year>, which was received and signed for on XX/XX/year>, via XXXXXXXX XXXX. In the dispute, I identified multiple tradelines with inconsistent and inaccurate reporting, including accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I also requested correction of outdated personal information. 

Despite these efforts, Experian has not provided any written response or correction within the required XXXX period, violating their obligations under 15 U.S.C. 1681i. This failure also demonstrates a lack of reasonable procedures to assure maximum possible accuracy as required by 15 U.S.C. 1681e ( b ).

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 2025-07-20 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: TX

Complaint narrative:
b'Credit Report Dispute  Account XXXX XXXXDear [Equifax/Experian/XXXX XXXX am writing to formally dispute the information being reported on my credit report regarding an account with XXXX (Account XXXX).\n\nThere are several inaccuracies or inconsistencies with this account, including:\n\t1.\tThe account is marked as Paid, Closed but also lists Repossession XXXX XXXX  and XXXX XXXX XXXXXXXX XXXX These statuses are contradictory and should be clarified or corrected.\n\t2.\tThe reported closure date is XXXX XXXX which is a future date and raises concerns about the accuracy or timeliness of this entry.\n\t3.\tThe payment history contains gaps (XXXX XXXX  ) which reflect incomplete or missing data.\n\nUnder the Fair Credit Reporting Act (FCRA), I am requesting that this account be fully investigated and verified. If the reported information cannot be fully validated and corrected, I respectfully request that it be removed from my credit report.\n\nPlease complete the investigation within the XXXXday time frame as required by the FCRA, and send me a written response regarding the outcome.\n\nSincerely,XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I am currently in a situation where the money in my bank account is at risk of disappearing, and I urgently need help. 

I entered XXXX from the United States in XX/XX/year>. Since then, I have not had a U.S. phone number that can receive a code, so I have been unable to access my Chase bank app. Therefore, I couldn't close the account, and when I went to the U.S. last year, I went directly to a Chase bank branch to withdraw the money from the account and close it. However, despite visiting the bank in person with my ID, the bank staff said I couldn't close the account because I didn't bring my bank card. Although it was very frustrating, I returned to XXXX without being able to retrieve the over {$5000.00} in the account. 

Last month, I received an absurd letter from Chase stating that since there had been no activity for two years, the money in my account could disappear. I couldn't log into the Chase website, so I couldn't use it. Chase customer service does not accept consumer requests via email and only allows them through website login, making it very difficult for me to resolve this issue from abroad. Could you possibly help me by ensuring that Chase Bank leaves my account as it is and contacts me? I would really appreciate it if you could.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Todd, Bremer & Lawson, Inc.
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX  at XXXX sent student debt to collections after I left the XXXX  due to not obtaining the quality of education I expected to receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: HI

Complaint narrative:
I am writing to formally dispute the accuracy of the XXXX XXXX XXXX  account ( # XXXX ) appearing on my credit report dated XX/XX/XXXX. Upon review, I noticed multiple serious inaccuracies that render this account unverifiable under the Fair Credit Reporting Act ( FCRA ), including but not limited to : The Date of First Delinquency is inaccurately listed as XX/XX/XXXX, which contradicts the last payment date of XX/XX/XXXX. An account can not be delinquent before the last reported payment. 

The payment history contains inconsistent and conflicting delinquency reporting across multiple months without a clear delinquency start or charge-off balance. 

The account includes vague references such as Voluntary Surrender, Repossession, and Charge Off without any supporting data such as a charge-off amount or date. 

The account is marked with Narrative Code XXXX ( Consumer Disputes Reinvestigation in Process ), yet I have not received a resolution nor proper reinvestigation results per my rights under FCRA 611. 

Because the reported data is inconsistent, unverifiable, and potentially re-aged, I request that this account be immediately deleted from my credit file. If the furnisher is unable to provide verifiable proof within XXXX XXXX, you are required by law to remove this item under FCRA 611 and 609.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: CA

Complaint narrative:
I am a victim of identity theft. There are multiple fraudulent accounts and hard inquiries on my Experian credit report that I did not authorize. I submitted an identity theft dispute letter with proof ( ID, FTC report, etc. ) and requested the fraudulent items be removed under FCRA Section 605B. Experian has not removed the items within the required XXXX business days.

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 2025-07-20 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: CA

Complaint narrative:
I am a victim of identity theft. There are multiple fraudulent accounts and hard inquiries on my Experian credit report that I did not authorize. I submitted an identity theft dispute letter with proof ( ID, FTC report, etc. ) and requested the fraudulent items be removed under FCRA Section 605B. Experian has not removed the items within the required XXXX business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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:
To resolve this matter fairly and lawfully, I am requesting the following actions : Permanently delete the unauthorized inquiry and fraudulent account listed below from my credit report : XXXX Inquiry dated XX/XX/year> XXXX  XXXX Account Number : XXXX Block all identity theftrelated data within 4 business days of receiving my documentation in accordance with 15 U.S.C. 1681c2.

Provide me with a corrected and updated copy of my consumer credit report reflecting the deletions. 

Send me written confirmation of the removals and identity theft blocks within the legal timeframe. 

I have already provided all required documents including : FTC Identity Theft Report Government-issued ID Social Security card Proof of current address Failure to resolve this will result in formal complaints to the CFPB, FTC, XXXX, and Attorney General, and I reserve the right to take legal action under FCRA 616 for damages. 

I am demanding compliance with the law and the protection of my identity nothing more, nothing less.

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 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I submitted a written dispute to Aidvantage on XX/XX/year>, regarding multiple inaccuracies in the credit reporting of my federal student loan account ( Aidvantage Acct : XXXXXXXX XXXX XXXX XXXX XXXX  ). This letter was received and signed for on XX/XX/year>, as confirmed by USPS Proof of Delivery. Despite this, Aidvantage failed to provide a written response or correction within the required 30-day period. 

Their failure to conduct a reinvestigation and respond constitutes a violation of 15 U.S.C. 1681s-2 ( b ), which obligates furnishers of information to investigate and respond to consumer disputes received via a CRA. Their inaction also indicates noncompliance with the FCRAs requirement to ensure accuracy in the information they furnish.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Dispute of Inaccurate Late Payment XX/XX/XXXX Details of Dispute : I am disputing a reported late payment for XX/XX/XXXX on my [ XXXX XXXX ] account ( XXXX ). This account has never been late, and I have verified through my personal records that the XX/XX/XXXX payment was made on time and in full. 

Reporting this account as late is inaccurate and violates the Fair Credit Reporting Act ( FCRA ), specifically : Section 611 ( 15 U.S.C. 1681i ) Requires consumer reporting agencies to reinvestigate disputed information. 
Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Requires the reporting of only accurate and verifiable information. 

Additionally, under XXXX v. XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), credit bureaus can be held liable for failing to reasonably investigate disputed items. 

I am requesting that you : Reinvestigate this late payment Remove it from my file if it can not be fully verified with documentation Notify me of the results within 30 days, as required by law I have attached proof of on-time payment. Please correct this error immediately to reflect an accurate payment history. 

Thank you.

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 2025-07-20 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:
Dispute of Inaccurate Late Payment XX/XX/XXXX Details of Dispute : I am disputing a reported late payment for XX/XX/XXXX on my [ XXXX XXXX ] account ( XXXX ). This account has never been late, and I have verified through my personal records that the XX/XX/XXXX payment was made on time and in full. 

Reporting this account as late is inaccurate and violates the Fair Credit Reporting Act ( FCRA ), specifically : Section 611 ( 15 U.S.C. 1681i ) Requires consumer reporting agencies to reinvestigate disputed information. 
Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Requires the reporting of only accurate and verifiable information. 

Additionally, under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, credit bureaus can be held liable for failing to reasonably investigate disputed items. 

I am requesting that you : Reinvestigate this late payment Remove it from my file if it can not be fully verified with documentation Notify me of the results within 30 days, as required by law I have attached proof of on-time payment. Please correct this error immediately to reflect an accurate payment history. 

Thank you.

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 2025-07-20 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:
Dispute of Inaccurate Late Payment XX/XX/XXXX Details of Dispute : I am disputing a reported late payment for XX/XX/XXXX on my [ XXXX XXXX ] account ( XXXX ). This account has never been late, and I have verified through my personal records that the XX/XX/XXXX payment was made on time and in full. 

Reporting this account as late is inaccurate and violates the Fair Credit Reporting Act ( FCRA ), specifically : Section 611 ( 15 U.S.C. 1681i ) Requires consumer reporting agencies to reinvestigate disputed information. 
Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Requires the reporting of only accurate and verifiable information. 

Additionally, under XXXX v. XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), credit bureaus can be held liable for failing to reasonably investigate disputed items. 

I am requesting that you : Reinvestigate this late payment Remove it from my file if it can not be fully verified with documentation Notify me of the results within 30 days, as required by law I have attached proof of on-time payment. Please correct this error immediately to reflect an accurate payment history. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Money check from TRUIST wasnt processed and sent back and fraud department decided to close my account XX/XX/year>. 


XXXX XXXX closed my account to suspicious activity XX/XX/year> after I filed a dispute

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 2025-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On Saturday, XX/XX/XXXX I woke up to a checking account and debit card having been opened online at wellsfargo.com. I have been an existing customer of Wells Fargo since XXXX. The checking account ended in XXXX and the debit card ended in XXXX. I frantically rushed to a branch to close this out as it was completely unauthorized. I also immediately locked all of my credit files with all three credit bureaus. How did this happen? What kind of security parameters are in place to involve existing customers with opening an additional account of any kind at wellsfargo.com? I was not involved at all, did not receive a verification email/text or any kind whatsoever. I am extremely upset and want to be provided with answers around how this was even possible. If I am the primary account owner, why was the long-standing primary phone number and primary email address not involved with any type of verification? I need to understand how this took place. I have also involved XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: MOHELA
State: CA

Complaint narrative:
In XX/XX/year>, I received an official discharge letter from the U.S. Department of Education stating that my federal student loans for attending XXXX XXXX were eligible for full loan discharge due to widespread misconduct by the school. The letter clearly stated that I do not need to make any further payments and that my credit report would be updated accordingly. 

Despite this, the loan continues to appear on my credit report and is affecting my ability to qualify for a home loan. The servicer has failed to properly remove the discharged loan, and I have not received confirmation of any credit update or refund for prior payments, as mentioned in the discharge letter.

I am requesting immediate removal of this discharged loan from all credit reporting and a correction to reflect the forgiven status. I have provided all necessary documentation to support this complaint.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-20 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: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
account number : XXXX The above account is shown on my consumer credit report in collection status reported by NAVY DEDERAL CREDIT UNION. My consumer credit report also reports that the above account has been charged off by NAVY FEDERAL CREDIT UNION. When an account is charged off, that means the creditor canceled the debt via XXXX with the INTERNAL REVENUE SERVICE XXXX IRS ). according to the IRS, charged off debt is considered income. By law income shall not be reported on a consumers credit report. Also under the statue of limitation law of XXXX, a creditor can no longer collect a debt after XXXX  years. This account is over XXXX XXXX XXXX therefore NAVY FEDERAL can not continue to collect from me. I demand an immediate deletion from all credit reporting agencies. Further action will be taken if refuse to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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:
I submitted a written dispute to Equifax on XX/XX/year>, which was received and signed for on XX/XX/year>, via XXXXXXXX XXXX. The dispute identified multiple tradelines reporting inconsistent or inaccurate data, including accounts from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I also requested that Equifax update outdated personal identifying information. 

Despite these efforts, Equifax has not issued any response or made corrections within the required XXXX period, in violation of its duties under 15 U.S.C. 1681i. This inaction also reflects a failure to maintain reasonable procedures to ensure maximum possible accuracy as mandated by 15 U.S.C. 1681e ( b ).

Company response to consumer: Closed with non-monetary relief